OnDeck publishes all three of its minimums
OnDeck is the most completely documented lender in this record. Its small business loans page carries a minimum requirements block that names a credit score, an annual revenue figure, a time in business and a business checking account, all in one place and all quoted verbatim below. That is unusual enough to be worth saying plainly: most lenders here publish one of those four or none of them.
What OnDeck publishes
| What | Figure | The lender's own words | Source |
|---|---|---|---|
| Minimum personal credit score | 625 FICO | "OnDeck Minimum Requirements ** 1 Year in business Business checking account $100K business annual revenue 625 personal FICO" | OnDeck small business loans page checked September 2026 |
| Minimum time in business | 12 months in business | "OnDeck Minimum Requirements ** 1 Year in business Business checking account $100K business annual revenue 625 personal FICO" | OnDeck small business loans page checked September 2026 |
OnDeck coverage, evidenced
OnDeck keeps its own live page for 2 of the borrowing products this record tracks. Each link below was fetched on the date shown and answered.
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What the numbers mean in practice
Six hundred and twenty-five is at the top of the published range on this site, where the median is six hundred and the floor is five hundred. A hundred thousand dollars in annual revenue is the lowest published revenue figure in this record, which makes OnDeck a lender with a high credit bar and a low revenue bar: it will look at a smaller business than most, provided the personal credit file is in reasonable shape. One year in business is the common figure here and it is a hard exclusion for a first-year business.
What is not published
No rate, no term, no fee schedule and no maximum. That is the norm rather than an omission; not one lender in this record publishes its pricing on the pages checked. It means the published minimums tell you whether it is worth applying and tell you nothing about what the money will cost, and both of those facts are worth holding at once.
Common questions
- What credit score does OnDeck require?
- OnDeck publishes a 625 personal FICO score on its small business loans page, quoted verbatim in the record above with the date it was read. That is a floor rather than an approval.
- How long must a business have been trading for OnDeck?
- OnDeck publishes one year in business, alongside a business checking account and a hundred thousand dollars in annual business revenue, in the same block on the same page.