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Reputation
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1170 reviews · checked Aug 2026
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5-Star Review from Emerald Real Estate LLC Emerald Real Estate LLC had a great experience working with OnDeck Capital. From the start, their team was professional, responsive, and very easy to work with throughout the lending process. The application was simple, communication was clear, and the entire process moved quickly once everything was submitted. As a real estate company, access to reliable funding partners is extremely important to us. OnDeck Capital helped provide the capital needed to keep our business moving forward, and we truly appreciated the efficiency and transparency their team showed along the way. We would absolutely recommend OnDeck Capital to other business owners looking for a fast and dependable lending partner. Thank you to the OnDeck team for your professionalism and support. — Emerald Real Estate LLC
I wish I could give 0 stars but I can’t. The customer service here is just awful. I’ve received a couple loans in the past and yes it’s a loan, I don’t expect for anyone giving a loan to be considerate or have a soul but I almost feel like the mission of this company is to demoralize you, lie to you, overcharge you, and otherwise just make you feel like a number. They have zero humanity. To put it in perspective, collections agencies and pawn shops are delightful to work with in comparison. I would absolutely never take additional lending from this company and would steer anyone looking for lending some where else. My point of contact Ben M. has been prompt, which I appreciate, but inconsistent which is not helpful. Several times while working with this lender I felt like crying, I think I did a couple times. I CANNOT wait to be done with them FOREVER. 🙌
Horrible customer service experience, I had a phone conversation with “Kesha” over at customer service around 4:00 EST. The rep was deliberately rude, raising her voice, showing sarcasm, talking over me and being dismissive to my concerns. I called into her clarity on a UCC filing obligation if I used an ondeck LOC to pay off the term loan I have with you guys. She said the threshold for a ucc filing was that it had the AMOUNT had to be over 100k and when I asked “well then can I do 99k and pay it off with it a ucc” she said “no it has to be significantly lower than that”. So I asked how much lower and she said she does not know the exact amount. When I asked to speak to a manager the magically knew that it had to be “less than 75k”. So obviously at this point in frustrated because you lied and said you didn’t know and then gave misleading information that it had to be over 100k. Now I’m becoming a frustrated customer, still not yelling or cursing at her. Throughout the conversation she basically started yelling at me in a very rude tone and I asked her several times to please stop being rude and lower her voice as she continue to escalate it. I had a 200k loan with ondeck and I’m currently about 70% paid off with refinancing eligibility. I’m also eligible for a 125k line of credit and because of this experience I am denying both and will seek other financial remedies. This was a horrible customer service experience and I hope your team listens to that call because KESHA is the reason you guys lost about 100k in interest by not having me refinance this loan. I will never work with ondeck again if this is the reps and experience you guys are allowing people to have without ramifications.
High rate robbery don't fall for the 100% interest forgiveness it's a ploy read your Contract thoroughly. 30 days cost almost 10k that's not interest forgiveness. Funding is definitely fast. Will never use them again for anything. The 2 star is for their staff they are very nice and helpful. For the actual bank id give a zero if possible. Read my contract again this is not over!
I was very satisfied with the people from OnDeck, who handled my application for a loan. The people were polite, considerate, professional and helpful. Without a dely I got approved for a loan and am satisfied and greatful. Happy to work with OnDeck. I haigly recommend OnDeck to anybody who needs fast and easy cash for their business.
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