OnDeck is a direct lender that provides small businesses with short term loans ranging from $5,000 to $500,000 with terms of 3 to 36 months. OnDeck uses cash flow, not just credit scores, to make instant credit decisions and can fund loans the same day. It has delivered over $2 billion in loans to over 700 industries in all 50 US states and other countries.

1. © Copyright 2014 OnDeck. All rights reserved. CONFIDENTIAL & PROPRIETARY
1
OnDeck Overview
1. Simple 1-page loan application
2. Loans ranging from $5,000 - $500k
3. 3 - 36 month terms
4. Fixed interest and fixed payments
5. Decisions in minutes, funding in as fast as 1
business day
1. Purchasing inventory
2. Facility expansion
3. Renting, buying or leasing equipment
4. Hiring additional staff
5. Launching a marketing campaign
What is OnDeck?
OnDeck is a direct lender that provides small businesses with short term business loans,
also called “working capital” loans. OnDeck offers true business loans, not Merchant
Cash Advances.
How is OnDeck different from a Bank?
We judge the health of small business based on their cash flow - not just credit scores.
Our in depth understanding of small businesses means that we can make instant credit
decisions and provide capital the same day.
About
OnDeck
Loans
Common
Uses
+

2. © Copyright 2014 OnDeck. All rights reserved. CONFIDENTIAL & PROPRIETARY
2
Trusted Lender
About OnDeck
1. Direct lender 100% focused on improving and enhancing SMB capital access
2. Offer true loans from $5k – 500k that build business credit with repayment
3. Simple application with transparent terms and exceptional customer service
4. NYSE listed public company
Key Metrics
+$2 Billion Delivered
More than 700 Industries
Served
Loans in all 50 States
+ Canada and Australia
A+ BBB Rating
93% of Our Customers
Would Recommend Us to
a Friend
+

3. © Copyright 2014 OnDeck. All rights reserved. CONFIDENTIAL & PROPRIETARY
3
OnDeck Basics
GENERAL
INFO
Applica'on
Fee
None.
It’s
free
to
apply.
Minimum
Requirements
1) $100k
annual
revenue
2) 1
yr
in
business
3) 500
FICO
Approval
Process
• OnDeck
agent
helps
Merchant
complete
the
applica'on
process
• Once
applica'on
is
complete,
OnDeck
makes
a
credit
decision
instantly
• If
approved,
a
loan
offer
is
made
and
OnDeck
no'fies
the
merchant
Funding
Time
Merchant
can
be
funded
same
day
as
approval
or
next
business
day
LOAN
SPECIFICS
Loan
Size
$5,000
-­‐
$500,000
Term
3
–
36 months
Interest
Rate
Varies
by
customer’s
credit
profile
Payments
Transparent
costs,
fixed
daily
ACH
payments
(Mon-­‐Fri)
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