Lender Comparison · Short-Term Lender
Inflection Financing vs OnDeck
OnDeck specializes in high-cost short-term debt. Inflection Financing offers full bank-rate financing.
TL;DR
OnDeck = emergency, expensive. Inflection Financing = strategic, institutional. We refinance OnDeck balances every week.
| 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 |
Where OnDeck wins
- →Fast funding for short-term needs
- →Loose credit requirements (625+)
- →Online application
Where Inflection Financing wins
- →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
What to watch with 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
Other comparisons
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