Short-Term Lender
Best alternatives to OnDeck in 2026
OnDeck specializes in high-cost short-term debt. Inflection Financing offers full bank-rate financing.
Why switch from OnDeck?
Effective APRs typically 30–99%+ Max $250K term, $100K LOC No SBA, CRE, or long-term amortization Daily/weekly payment schedules strain cash flow
OnDeck vs Inflection Financing — side by side
| Feature | OnDeck | Inflection Financing |
|---|---|---|
| Max loan amount | $250K term · $100K LOC | $5M SBA 7(a) · $15M CRE · $5M bridge |
| Time to funding | 1–3 days | 12 hours (bridge) · 21–45 days (SBA) |
| Rate range | 30%–99%+ APR (effective) | Prime + 2.25% (SBA) · 9.9% (term) |
| Broker fees | Origination 2.5%–4% | $0 — bank-direct |
| SBA Preferred Lender | No | Yes — Inflection Financing |
| Direct lender | Marketplace / broker | Yes — institutional lender |
What Inflection Financing gives you that OnDeck doesn't
- →Bank rates starting at Prime + 2.25% (SBA)
- →$5M SBA, $15M CRE — not capped at $250K
- →Monthly payments, 10–25 year amortization
- →Refinance OnDeck balances into Inflection Financing term loans for major savings
Verdict
OnDeck = emergency, expensive. Inflection Financing = strategic, institutional. We refinance OnDeck balances every week.
Ready to deploy capital?
Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.