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We're a broker, not a lender

Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

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Head to head · Term loans

OnDeck vs Kapitus

Both publish a price, which few funders we track do. Here's how the rest of their terms compare.

OnDeck is a direct funder; Kapitus is a direct funder. Both offer term loans and lines of credit. Everything below comes from each funder's own website, with the date we checked it on each profile.

Side by side

OnDeck

Type
Direct funder
Amounts
$5K–$400K
Min. credit
625+
Time in business
1 year
Min. revenue
Not published
Price
Average APR 53.2% Term loan
Speed
As soon as the same day

Kapitus

Type
Direct funder
Amounts
$5K–$7M
Min. credit
650+
Time in business
2 years
Min. revenue
Not published
Price
Rate from 7.5% Equipment financing
Speed
As little as 24 hours
From each funder's own website. Research, not partnerships. Both offer: term loans, business line of credit.

What's different

The differences that change your decision

Funding amounts

OnDeck: $5,000 to $400,000. Kapitus: $5,000 to $7 million.

Published minimums

OnDeck lists a 625 credit score and 1 year in business. Kapitus lists a 650 credit score and 2 years in business.

Price

OnDeck: an average APR of 53.2% on term loans. Kapitus: a rate from 7.5% on equipment financing.

Product range

Only Kapitus lists revenue-based financing, equipment financing and SBA loans.

Which fits

Choose based on your file

OnDeck may fit if

Consider OnDeck if your credit score is between 625 and 650 and you've been in business at least 1 year but less than 2 years.

Full OnDeck profile

Kapitus may fit if

Consider Kapitus if you need more than $400,000 and you need revenue-based financing.

Full Kapitus profile

Whichever you're considering, compare the dollar cost and estimated APR of real offers, not the published minimums. Compare offers side by side.

One application, many funders

Get offers from both, and more

Apply once. We match you with funders whose criteria fit, you approve each one, and every offer comes decoded side by side.

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  • About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
  • 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
  • You approve every funder before your file goes out. No cost to apply, and no obligation to accept.