# ondeck.com

> Markdown mirror of DialtoneApp's public top-site detail page for `ondeck.com`.

URL: https://dialtoneapp.com/top-sites/ondeck.com/index.md
Canonical HTML: https://dialtoneapp.com/top-sites/ondeck.com

## Summary

- Domain: `ondeck.com`
- Website: https://ondeck.com
- Description: ai readable | score 20 | purchase read only
- Label: ai_readable
- Payment surface: Not available
- Purchase boundary: read_only
- Control boundary: unknown
- Rank: 139667

## robots

~~~text
User-agent: *
Disallow: /wp-admin/
Disallow: /wp-admin/admin-ajax.php
Disallow: *.pdf
Disallow: /in-the-news/
Disallow: /press-releases/
Disallow: /news/
Sitemap: https://www.ondeck.com/sitemap_index.xml
~~~

## llms

~~~text
# OnDeck

> OnDeck is the largest online small business lender in the U.S. issuing over $6 billion dollars in loans and trusted by over 60,000 small businesses providing them business loans an lines of credit.

---


## Pages

- [2025 Small Business Cash Flow Trend Report](https://www.ondeck.com/small-business-trends-2025)
- [Texas Small Business Loans](https://www.ondeck.com/states/texas-small-business-loans)
- [States](https://www.ondeck.com/states)
- [California](https://www.ondeck.com/states/california-small-business-loans)
- [Bankrate](https://www.ondeck.com/sp/bankrate)
- [Dental Practice Loans](https://www.ondeck.com/dental-practice-loans)
- [Spotify](https://www.ondeck.com/aud/spotify)
- [PPCN](https://www.ondeck.com/ppcn)
- [SBA](https://www.ondeck.com/ppcn/sba)
- [Minority Business Loans](https://www.ondeck.com/small-business-loans-for-minorities): Get funding for minority business owners with fast approval and no collateral. Support for Black, female, and other minority-owned businesses—apply now.
- [2023 Small Business Cash Flow Trend Report](https://www.ondeck.com/small-business-trends-2023): Explore the key factors that impacted small business trends across the U.S. in 2023. Get insights into optimism and trends shown in cash flow data.
- [2024 Small Business Cash Flow Trend Report](https://www.ondeck.com/small-business-trends-2024): Explore the key factors that impacted small business trends across the U.S. in 2024. Get insights into optimism and trends shown in cash flow data.
- [Fast Business Loans for Women](https://www.ondeck.com/small-business-loans-for-women)
- [Sitemap](https://www.ondeck.com/sitemap): Visit OnDeck's sitemap for quick access to all our pages, including business loans and lending resources. Easily navigate to find the information you need.
- [Bad Credit Business Loans](https://www.ondeck.com/loantype-bad-credit-business-loans): Business loans can be hard to obtain for borrowers with bad credit. OnDeck can offer funding to business owners with fair credit, starting at a FICO score of 625.
- [No Credit Check Business Loans](https://www.ondeck.com/loantype-no-credit-check-business-loans): Looking for business funding with no credit check? Discover easy options for small businesses looking for same day business loans no credit check.
- [Small Business Cash Flow Trend Report](https://www.ondeck.com/small-business-trends): Get key insights into small business trends across America. See how owners are feeling about the future and discover trends revealed by cash flow data.
- [FAQs](https://www.ondeck.com/faqs): Find answers to the most common questions about OnDeck’s products, process and more. Get troubleshooting tips to help manage your account.
- [Short-Term Business Loans](https://www.ondeck.com/short-term-loans)
- [Business Funding](https://www.ondeck.com/business-funding): Fuel growth with business funding from OnDeck. Explore fast, flexible funding options including business lines of credit and term loans.
- [CCPA/CPRA Request Form](https://www.ondeck.com/privacy-request): Submit a CCPA/CPRA privacy request with OnDeck. Access, delete, correct your data, or opt out of sharing. Protect your privacy today.
- [Contact Us](https://www.ondeck.com/contact-us): At OnDeck, you get real people to talk to. Whether you need help with a new or existing loan, OnDeck Support can answer all your questions.
- [About Us](https://www.ondeck.com/company): OnDeck provides flexible financing, dedicated loan advisors, and a hassle-free experience for small businesses. $13B+ delivered since 2007.
- [Homepage](https://www.ondeck.com/)
- [Business Cash Flow Loans](https://www.ondeck.com/loantype-temporary-cash-flow-loans): Business cash flow loans are a type of small business financing used to cover cash flow shortages. They can provide working capital for operating expenses.
- [Working Capital Loans](https://www.ondeck.com/loantype-working-capital-loans): Working capital loans are used to cover day-to-day costs and short-term business needs. Stock up on inventory. Start a new project. Apply in just minutes.
- [Unsecured Business Loans](https://www.ondeck.com/loantype-unsecured-business-loans): Get fast unsecured business funding with no collateral required from OnDeck. Explore flexible terms and competitive rates to fund small business growth.
- [Business Line of Credit](https://www.ondeck.com/business-line-of-credit)
- [OnDeck Card Terms & Conditions](https://www.ondeck.com/terms): Terms of Use Updated and effective December 07, 2022 1. OnDeck Terms and Conditions The OnDeck Services and websites (each as defined below) are operated
- [Loans for Cleaning Services](https://www.ondeck.com/loans-for-cleaning-services): Learn more about loans for cleaning services. OnDeck offers several types of small business loans for your cleaning services company.
- [Business Term Loan](https://www.ondeck.com/business-term-loan): Grow your small business with a term loan offering predictable payments and flexible options. Apply online with OnDeck to secure business funding today!
- [Loans for Contractors](https://www.ondeck.com/loantype-loans-for-contractors): Contractors often consider financing to purchase equipment and fund other business initiatives, here's what you need to know about loans for contractors.
- [Restaurant Financing](https://www.ondeck.com/loantype-restaurant-financing): Restaurants can use financing to fuel growth and fund business initiatives. Here's what you need to know about restaurant business loans.
- [Retail Business Loans](https://www.ondeck.com/loantype-retail-business-loans): Retail businesses often consider retail business loans to fund growth and other initiatives. Here's what you need to know about loans for retail businesses.
- [Trucking Business Loans](https://www.ondeck.com/loantype-trucking-business-loans): Trucking business loans help to fuel growth and fund other business initiatives. Here's what you need to know about business loans for trucking companies.
- [Loans for Doctors and Physicians](https://www.ondeck.com/loantype-medical-practice-loans): Medical practices often consider financing to fuel growth and fund other business initiatives, here's what you need to know about medical practice loans.
- [Microloans for Small Businesses](https://www.ondeck.com/loantype-micro-loans): Microloans enable small businesses to turn relatively small loan amounts into big results. Here's what you need to know about microloans for small businesses.
- [Small Business Loans](https://www.ondeck.com/small-business-loans)
- [Business Line of Credit vs Business Credit Card](https://www.ondeck.com/loantype-business-line-of-credit-vs-business-credit-card): Many businesses use a business credit card to pay for business expenses. A business line of credit could be a good complement to a credit card. Learn more.
- [Equipment Financing and Leasing](https://www.ondeck.com/loantype-equipment-financing-and-leasing): From construction machinery to daily business tools, get the equipment you need with funding from OnDeck. Apply for an equipment loan with same-day funding.†
- [Invoice Factoring Loans for Small Businesses](https://www.ondeck.com/loantype-invoice-factoring): Invoice factoring for small businesses has been around for a long time. Here's what you need to know about factoring loans to make an informed decision.
- [Merchant Cash Advance](https://www.ondeck.com/loantype-merchant-cash-advance): A merchant cash advance (MCA) provides quick access to working capital based on future sales. Find the right funding option with OnDeck’s fast financing.
- [Inventory Loans for Small Businesses](https://www.ondeck.com/loantype-inventory-loans): Many businesses use inventory loans to purchase quick-turnaround inventory to increase profits and ROI. Here's what you need to know.
- [Commercial Loans for Small Business](https://www.ondeck.com/loantype-commercial-loan): Many businesses rely on commercial financing, or commercial loans, to fuel growth and meet other business demands. Here's what you need to know.
- [OnDeck Loan Comparison Tool](https://www.ondeck.com/transparency): OnDeck is dedicated to business loan transparency.
- [Reviews From Small Business Customers](https://www.ondeck.com/reviews): Read why small business owners choose OnDeck. Learn about our customer success stories and reviews.
- [OnDeck Business Loan Requirements](https://www.ondeck.com/loan-qualifications): Qualifying for a business loan is straightforward and simple at OnDeck. Our minimum loan qualifications are less intensive than those of banks. We’re focused on getting you approved so your business can thrive.
- [Security Policy](https://www.ondeck.com/security-policy): Learn how we protect your information and data. Get tips to avoid scams and see how you can keep your customers safe.
- [Privacy Policy](https://www.ondeck.com/privacy): We take privacy seriously. Read our privacy policy to learn what information we collect and how we keep it safe.
- [Partner](https://www.ondeck.com/partner): Partner with OnDeck to deliver incredible financial experiences for your customers. Enterprise, Affiliate, and Accountant partnerships available.

---


## Resources

- [10 Steps to Hire the Right Employees for Your Small Business](https://www.ondeck.com/resources/make-sure-youre-hiring-the-right-people): Hiring an employee is exciting — but finding a great employee can be one of the most challenging and important...
- [A Small Business Guide to Growth Hacking](https://www.ondeck.com/resources/growth-hacking): Every business has to start somewhere, whether a Silicon Valley tech start-up coding from a garage or a local store...
- [#ShopLocal: Which Cities Love Supporting Small Businesses?](https://www.ondeck.com/resources/shop-local): When people shop locally, small business owners and their families and employees benefit from the revenue and the satisfaction of...
- [The Highest-Rated Independent Restaurants in Every State](https://www.ondeck.com/resources/most-popular-restaurants-in-america): Americans love to eat out, with nearly two out of five consumers (38%) visiting restaurants monthly and one-third (31%) weekly....
- [What Are the Benefits of a Business Credit Score?](https://www.ondeck.com/resources/why-is-business-credit-score-important): Do you know your business credit score? Running a small business means making constant financial decisions — often with limited...
- [What Consumers Think About Shopping Local](https://www.ondeck.com/resources/shopping-local-statistics): In our age of hyper-convenience, online stores and corporate giants offer quick, affordable purchases for anything from groceries to sports...
- [What Is an SBA Loan?](https://www.ondeck.com/resources/sba-loans): Although the SBA (U. S. Small Business Administration) isn’t a lender, it has guaranteed millions of small business loans since...
- [14 Ideas to Celebrate Small Business Week](https://www.ondeck.com/resources/celebrate-small-business-week): National Small Business Week is an annual event dedicated to recognizing the contributions of small businesses to the economy and...
- [What Is Receivables Financing and How Does It Work?](https://www.ondeck.com/resources/receivables-financing): If you’ve got customers who pay on net 30, net 60, or longer, you already know the problem: your cash...
- [The Colleges That Produce the Most Small Business Owners](https://www.ondeck.com/resources/the-colleges-that-produce-the-most-small-business-owners): College marketing materials often focus on their big-name alumni, including those who have gone into leadership roles at Fortune 500...
- [Uncovering the Least and Most Competitive Types of Restaurants to Open in 2025](https://www.ondeck.com/resources/what-is-the-most-popular-type-of-restaurant): The restaurant trade is set to become a trillion-dollar industry in 2024. Along with those who enter the business for...
- [The Cities with the Highest-Rated Independent Coffee Shops](https://www.ondeck.com/resources/best-coffee-shops-in-america): Something strange is happening to coffee shops: the chains are getting smaller while the independents are getting bigger and bolder....
- [Which States Have the Most Family-Owned Businesses? (And Other Family Business Statistics)](https://www.ondeck.com/resources/states-metros-family-owned): The U. S. Small Business Administration defines a family business as one that is majority-owned by at least two members...
- [What Small Businesses Should Know About Credit Card Processing Fees](https://www.ondeck.com/resources/credit-card-processing-fees-small-business): If your small business accepts credit cards — in person or online — you’re paying processing fees. And depending on...
- [How To Automate Business Tasks](https://www.ondeck.com/resources/20-business-tasks-you-can-easily-automate): As a small business owner you likely have a lot on your plate — and there are only so many...
- [How Does OnDeck Compare to Other Lenders?](https://www.ondeck.com/resources/compare-lenders): When you’re searching for small business financing, choosing the right lender can make all the difference. Whether you’re looking for...
- [How Do Online Business Loans Work?](https://www.ondeck.com/resources/how-do-online-business-loans-work): Getting a loan used to mean scheduling an in-person appointment, gathering stacks of paperwork and waiting weeks for an answer....
- [Grants for Minority Business Owners](https://www.ondeck.com/resources/minority-business-grants): Access to funding can play a major role in the growth of a small business. But for many minority-owned businesses,...
- [How to Apply for Minority-Owned Business Grants](https://www.ondeck.com/resources/how-to-apply-for-minority-owned-business-grants): For minority business owners and entrepreneurs who are looking for funding, grants can be a great option. Unlike loans for...
- [Profit Margin Calculator: Calculate Your Current and Desired Margin](https://www.ondeck.com/resources/profit-margin-calculator): If you know the cost of stocking the goods you sell and your selling price, stay on the Profit Margin...
- [Small Business Saturday 2025: Everything You Need To Know To Celebrate](https://www.ondeck.com/resources/small-business-saturday): Small Business Saturday celebrates locally owned small businesses and encourages people to shop and dine at independent businesses. Read on...
- [Revenue Per Employee: The Top Companies Ranked](https://www.ondeck.com/resources/revenue-per-employee-ranking): Revenue per employee (RPE) is a metric that businesses can use to measure the productivity and efficiency of their workforce....
- [The Highest-Rated Women-Owned Small Businesses in America](https://www.ondeck.com/resources/most-popular-women-owned-business-by-state): America’s women-owned businesses employ 11. 4 million people and generate over $2. 1 trillion in revenue annually. But women still...
- [How to Build Business Credit: 7 Simple Steps to Get Started](https://www.ondeck.com/resources/how-to-establish-and-build-business-credit): Building your business credit can start with a few steps, like setting up your legal business entity and becoming more...
- [Business Tradelines: What They Are and How They Can Help You Build Credit](https://www.ondeck.com/resources/business-tradelines): In business, credit is crucial. It can make or break your ability to grow and sustain your company. For many...
- [How to Read a Business Credit Report and Get Your Score](https://www.ondeck.com/resources/how-to-read-business-credit-report): A good business credit score offers many benefits. It can help you secure business financing, establish better partnerships, get lower...
- [Business Credit vs. Personal Credit — What’s the Difference?](https://www.ondeck.com/resources/business-credit-vs-personal-credit): As a small business owner, understanding the difference between your personal credit score and your business credit score is important....
- [A Guide to Business Funding During the 2025 Government Shutdown](https://www.ondeck.com/resources/government-shutdown-sba-loans): The 2025 government shutdown has left many small business owners in a bind — especially those counting on SBA loans...
- [Women’s Small Business Month 2025: 8 Ways to Celebrate](https://www.ondeck.com/resources/national-womens-small-business-month): October is National Women’s Small Business Month, an annual celebration of women business owners, founders and entrepreneurs. It’s a time...
- [How To Build Your Business Credit History Fast: 6 Easy Steps](https://www.ondeck.com/resources/build-business-credit-fast): Good business credit history can unlock doors for small business owners. Whether you’re a startup that recently checked your business...
- [How Long Does It Take to Build Business Credit?](https://www.ondeck.com/resources/how-long-does-it-take-to-build-business-credit): Building a strong business credit profile takes time — but how much time depends on how you structure your business,...
- [How to Register as a Minority-Owned Business](https://www.ondeck.com/resources/how-to-register-as-a-minority-owned-business): Getting certified as a minority-owned business can help you access important resources, funding, business opportunities and procurement contracts. If you’re...
- [How To Qualify for a Business Loan: What You Need to Get Started](https://www.ondeck.com/resources/how-to-qualify-for-a-business-loan): For many small business owners, business financing can be critical — a means to fund growth, cover operating expenses or...
- [Benefits of Being Certified as a Women-Owned Business](https://www.ondeck.com/resources/woman-owned-business-benefits): Being a certified women-owned business comes with benefits beyond a badge. Certification is a powerful tool that can help you...
- [What To Know About Women-Owned Business Certifications](https://www.ondeck.com/resources/women-owned-business-certification): Learn how to get certified as a women-owned business and unlock benefits like government contracts, networking opportunities and funding resources.
- [Documents You Need To Apply for a Business Loan](https://www.ondeck.com/resources/business-loan-documents): Securing a small business loan can be a pivotal moment in an entrepreneur’s journey. Whether you’re looking to cover day-to-day...
- [Pros and Cons of a Business Line of Credit](https://www.ondeck.com/resources/pros-and-cons-business-line-of-credit): Whether you’re running a startup or managing an established company, access to capital is essential. One popular financing option is...
- [Business Line of Credit vs. Term Loan](https://www.ondeck.com/resources/business-term-loan-vs-line-of-credit): Running a business can often mean needing capital beyond what you have on hand. The right type of financing can...
- [What You Need To Know About Seasonal Businesses](https://www.ondeck.com/resources/seasonal-small-business): If you’ve ever been to a beach town in July or a ski resort in January, then you’ve experienced the...
- [18 Ways To Increase Sales for Your Small Business](https://www.ondeck.com/resources/how-to-increase-sales): Discover 18 ways to increase sales. 1. Nail down your value proposition. 2. The sales funnel method. 3. Engage with customers
- [17 Employee Retention Strategies to Keep Your Top Talent](https://www.ondeck.com/resources/employee-retention): A recent survey found that 93% of workers are looking for, or plan to look for, a new job in...
- [12 Ways To Increase Restaurant Sales](https://www.ondeck.com/resources/increase-restaurant-sales): The restaurant industry can be challenging. With fluctuating food costs, changing customer preferences and rising competition, staying ahead can require...
- [Business Loan Calculator: Estimate Payments, Borrowing Costs and Loan Amounts](https://www.ondeck.com/resources/business-loan-calculator): Business Loan Calculator Disclaimer: The numbers entered into this calculator are for illustrative purposes only; this tool does not provide...
- [12 Tips and Tricks to Help You Manage a Successful Restaurant](https://www.ondeck.com/resources/restaurant-management-tips-and-tricks): Make no mistake — the food service and hospitality industry is more competitive than ever. From managing employees and suppliers...
- [Secured vs. Unsecured Business Loans](https://www.ondeck.com/resources/secured-vs-unsecured-business-loans): Discover the key differences between secured and unsecured business loans, including pros and cons and how to choose the best option for your business needs.
- [What Is a Business Term Loan and How Does It Work?](https://www.ondeck.com/resources/what-is-a-business-term-loan): Business term loans are one of the most popular ways to secure funding for your business. Whether you’re looking to...
- [What is Operations? And Why Does My Business Need It?](https://www.ondeck.com/resources/what-is-operations): Efficient business operations is key to running a business that’s always getting better and better at what it does. Here's what you need to know.
- [Small Business Employee Benefits: What You Need To Know and Why It Matters](https://www.ondeck.com/resources/small-business-employee-benefits): Discover how small businesses can build competitive benefits packages, including health insurance, retirement plans and perks that attract top talent.
- [Is a Small Business Loan Secured or Unsecured?](https://www.ondeck.com/resources/are-small-business-loans-secured-or-unsecured): Starting and growing a small business often requires access to capital. While some entrepreneurs might have savings to invest, many...
- [Business Structures: How to Choose the Right One](https://www.ondeck.com/resources/business-structure): Review common business structures such as LLCs, sole proprietorships, and corporations to help you choose the right business structure for your needs.
- [14 Ways to Advertise Your Small Business Effectively](https://www.ondeck.com/resources/small-business-advertising): Learn how to advertise your small business effectively with these 15 proven strategies, from social media to SEO and more. Boost your reach today!
- [Business Financial Management: What It Is and How To Improve It](https://www.ondeck.com/resources/business-financial-management): Discover small business financial management tips. Learn how to streamline finances, boost cash flow and plan for success.
- [5 Actionable Business Growth Strategies for Small Businesses](https://www.ondeck.com/resources/business-growth-strategies): Discover proven growth strategies to help your business thrive. Learn how to expand marketing, retain customers, improve products and scale effectively.
- [How to Write a Business Plan: 10 Steps for Small Business Owners](https://www.ondeck.com/resources/how-to-write-a-business-plan): Want to write a winning business plan? Use these 10 simple, easy-to-follow steps as your guide for crafting a solid business plan.
- [Small Business Management: What It Is and How To Do It](https://www.ondeck.com/resources/small-business-management): Discover essential strategies, skills and tools for effective small business management. Learn how to streamline operations and drive growth with confidence.
- [How To Get a Small Business Loan Without Collateral](https://www.ondeck.com/resources/how-to-get-a-small-business-loan-without-collateral): Securing a small business loan can be a game changer for entrepreneurs looking to expand operations, purchase inventory, or stabilize...
- [What Is Collateral and Do I Really Need it for a Business Loan?](https://www.ondeck.com/resources/what-is-collateral-and-do-i-really-need-it-for-a-business-loan): As a small business owner, accessing the right financing is critical to grow — whether expanding operations, purchasing equipment or...
- [How to Create a Budget for Your Business: 4 Steps Made Simple](https://www.ondeck.com/resources/business-budget): Creating a small business budget is an essential step that can help small business owners take control of their finances,...
- [11 Essential Small Business Goals and How to Achieve Them](https://www.ondeck.com/resources/small-business-goals): Take on your goals head first. By setting objectives and following through on these key strategies, you’ll be well-positioned to achieve them.
- [What You Need to Know About Short-Term Financing](https://www.ondeck.com/resources/short-term-business-financing-all-you-need-to-know): Financial management is a cornerstone of personal and business success. Whether you’re a small business owner navigating cash flow challenges...
- [End-of-Year Checklist for Small Businesses: 11 Things to Do Before the Year Ends](https://www.ondeck.com/resources/end-year-checklist-small-businesses): The end of the year can be a busy time for small business owners. Use our small business end of year checklist to help you get organized.
- [5 Ideas for a Small Business Holiday Party and How to Plan It](https://www.ondeck.com/resources/how-to-throw-the-ultimate-work-holiday-party): Get inspired with unique holiday party ideas for small businesses! From themed parties to gift exchanges, learn how to plan a festive, memorable event.
- [7 Surefire Ways to Increase Sales This Holiday Season](https://www.ondeck.com/resources/how-retailers-can-maximize-holiday-season-sales): The holiday season can bring a big surge in retail sales. But this revenue boost can come with challenges as...
- [How Many Business Credit Cards Is Too Many?](https://www.ondeck.com/resources/how-many-business-credit-cards-is-too-many): Discover how many business credit cards you should have, the benefits of multiple cards, and how they impact your business credit score.
- [The Places in America Where Small Businesses Are Thriving](https://www.ondeck.com/resources/best-place-to-start-a-small-business): Small businesses are a big deal in America — and their share of the economic landscape is expanding. Companies with...
- [The Cities with the Most Loved Independent Stores](https://www.ondeck.com/resources/favorite-small-businesses): In a consumer economy overshadowed by big chains and then by online shops — both indie and corporate — running...
- [How to Get a Business Credit Card: What to Know Before You Apply](https://www.ondeck.com/resources/how-to-get-a-business-credit-card): Learn what you need to do to get a business credit card that is right for your small business.
- [What Is a Business Credit Card and Is It Right for You?](https://www.ondeck.com/resources/understanding-business-credit-cards): A business credit card is a financial tool business owners use to cover expenses and manage cash flow. See if it’s right for your business.
- [7 Types of Business Bank Accounts and How to Choose One](https://www.ondeck.com/resources/types-of-business-bank-accounts): Types of business bank accounts include checking, saving, money market and merchant accounts.
- [What You Need To Open a Business Bank Account and Why You Should](https://www.ondeck.com/resources/what-do-i-need-open-business-bank-account): Starting a business can be exciting, but it comes with a lot of responsibilities. One of the first steps to...
- [What Is Revenue-Based Financing and Is It Right for Your Small Business?](https://www.ondeck.com/resources/revenue-based-financing): Revenue-based financing is a non-traditional funding option with some pros and cons. See if RBF could be right for your small business.
- [78 Business Terms Small Business Owners Should Know](https://www.ondeck.com/resources/business-terms-to-know): Common business terms include A/B testing, accounts receivable, acquisition, actuary, affiliate marketing and more.
- [12 Best Merchant Cash Advance Alternatives for Small Businesses](https://www.ondeck.com/resources/merchant-cash-advance-alternatives): Alternatives to merchant cash advances include online business loans, lines of credit, SBA loans, equipment loans and more. See what works best for you.
- [What Is Operational Effectiveness and How Do I Improve It?](https://www.ondeck.com/resources/effective-operations): Operational effectiveness is about optimizing business processes, resources and talent to gain a competitive edge and succeed. Use these expert tips to start.
- [A Step-By-Step Guide to Operations Manuals: What They Are and How To Create One](https://www.ondeck.com/resources/5-reasons-you-need-a-documented-operations-manual): An operations manual can take your small business to the next level. Learn what they are and how to write one.
- [The Pros and Cons of Merchant Cash Advances](https://www.ondeck.com/resources/pros-and-cons-merchant-cash-advances): Discover the pros and cons of merchant cash advances, how they work, their impact on credit, and explore alternative financing options for your business.
- [Merchant Cash Advance Consolidation: How It Works and What You Need to Know](https://www.ondeck.com/resources/merchant-cash-advance-consolidation): Consolidating merchant cash advances could simplify your repayments, lower factor rates and help improve credit history. Understand the process and potential risks before deciding if it’s right for you.
- [How To Determine the Amount of Your Business Line of Credit](https://www.ondeck.com/resources/how-to-determine-business-line-of-credit-amount): Our small business resource center features hundreds of informative articles written by industry experts. Topics range from building credit to small business insights and beyond.Learn how to determine the right line of credit amount for your business, including assessing needs, improving limits and budgeting for payments.
- [5 of the Best Ways To Use Your Business Line of Credit](https://www.ondeck.com/resources/uses-for-business-line-of-credit): If you’re a small business owner, it’s important to have financial flexibility to see you through the ups and downs...
- [Working Capital Formula: What It Is and How To Calculate It](https://www.ondeck.com/resources/working-capital-formula): Learn how to calculate working capital and stay on top of your business finances.
- [Sale-Leasebacks: How to Use Your Assets to Increase Cash Flow](https://www.ondeck.com/resources/sale-leaseback): A sale-leaseback is when a company sells an asset (typically real estate or equipment) to an investor or leasing company and leases it back for a set period.
- [The States Where Small Businesses Pay the Highest Wages](https://www.ondeck.com/resources/small-business-employee-salary): The minimum wage rose in 22 U. S. states at the start of 2024, with 38 counties and cities implementing...
- [Leasing vs. Buying Business Equipment: What Makes Sense for Your Business?](https://www.ondeck.com/resources/leasing-vs-buying-makes-sense-business): Leasing and buying equipment both have their pros and cons, but which is right for your business?
- [SBA Loan With Bad Credit: What You Can Expect](https://www.ondeck.com/resources/sba-loan-with-bad-credit): Loans secured by the Small Business Administration (SBA) are highly sought after, but getting approved with a bad credit score...
- [Minimum Credit Score for Business Loans: Answers and Options](https://www.ondeck.com/resources/minimum-credit-score-for-business-loan): Securing a business loan can be a crucial step for entrepreneurs looking to start or expand their businesses. However, one...
- [What To Do When a Business Partner Has Bad Credit](https://www.ondeck.com/resources/business-partner-with-bad-credit): Around 28% of Americans have fair or poor credit — so it’s not uncommon for someone to have less-than-perfect credit....
- [Do Credit Checks Lower My Business Credit Score?](https://www.ondeck.com/resources/do-credit-checks-lower-my-business-credit-score): As a small business owner, your credit score is a crucial part of your financial identity. Establishing and maintaining strong...
- [What Is a Soft Credit Check for a Business Loan?](https://www.ondeck.com/resources/what-is-a-soft-credit-check): There’s a lot of jargon in business financing and it can be difficult to feel like you’ve got a solid...
- [Calculating Your Working Capital Needs](https://www.ondeck.com/resources/how-much-working-capital-do-i-need): Your working capital ratio can help you determine how much working capital you need.
- [Opening a Business Credit File: A Step-by-Step Guide](https://www.ondeck.com/resources/create-small-business-credit-file): Establishing and nurturing a small business credit profile is a crucial step toward building healthy business credit. Just like individuals...
- [Working Capital Optimization: Strategies for Small Businesses](https://www.ondeck.com/resources/working-capital-optimization): Working capital optimization is the process of managing a business’s short-term assets and liabilities to maintain liquidity.
- [The Most Innovative American Companies, Based on Patents](https://www.ondeck.com/resources/most-patents-by-company): In business, if you’re not moving forward — you’re falling backward. Even the most traditional companies must innovate to stay...
- [What Is Working Capital and Why Does It Matter?](https://www.ondeck.com/resources/what-is-working-capital): Working capital is a measure of a company’s liquidity. It’s defined as the difference between your current assets and current liabilities.
- [7 Smart Small Business Tax Planning Strategies to Help You Save Money](https://www.ondeck.com/resources/high-value-tax-strategies-for-small-business-owners): See how everything from your business structure to your retirement plan can help you save money on your business taxes.
- [Fixed Capital vs Working Capital: What’s the Difference?](https://www.ondeck.com/resources/fixed-capital-vs-working-capital): Fixed capital includes long-term assets such as real estate, while working capital comprises liquid assets for covering operating expenses.
- [What Is a Good Working Capital Ratio?](https://www.ondeck.com/resources/what-is-a-good-working-capital-ratio): A good working capital ratio is generally between 1.5 and 2, but your company’s financial picture doesn’t end there.
- [The Freelancer Pay Gap by State](https://www.ondeck.com/resources/pay-gap-gig-economy): In the past half-decade, freelancing has gone from being a common way to earn in the digital age to becoming...
- [Gross Revenue vs. Net Revenue](https://www.ondeck.com/resources/gross-revenue-vs-net-revenue): Understanding the financial health of your business is key to your success. Both gross revenue and net revenue are financial...
- [The Most Trusted American Companies, Based on 14 Million Customers](https://www.ondeck.com/resources/most-trusted-brands): While big business behemoths like Target and Walmart are ubiquitous across the U. S. , America likes to shop small,...
- [Understanding Personal Guarantees in Small Business Financing](https://www.ondeck.com/resources/understanding-personal-guarantees): A personal guarantee makes a borrower personally responsible for a business loan. Lenders use it to create an additional layer...
- [Atlanta Florist Blossoms During Busy Seasons](https://www.ondeck.com/resources/atlanta-florist-blossoms-during-busy-seasons): Conquer seasonal rushes with these success strategies from Royal Petals ATL.
- [Financial Terms: 77 Essential Words for Business Owners](https://www.ondeck.com/resources/21-financial-terms-you-should-know): Understanding financial terms can feel like learning a new language, and it’s a challenge for many small business owners. This...
- [7 Key Factors to Build a Good Pricing Strategy](https://www.ondeck.com/resources/7-key-keys-to-building-a-good-pricing-strategy): Setting the right price for your products and services can feel like a tightrope walk. If your prices are too...
- [Facebook vs. Website: Which Should You Use?](https://www.ondeck.com/resources/facebook-page-vs-website-which-use): A Facebook page is easier to use and cheaper. A website, however, offers your business SEO benefits.
- [Corporate Transparency Act: What Businesses Need to Know in 2024](https://www.ondeck.com/resources/corporate-transparency-act): The Corporate Transparency Act marks a major shift in reporting requirements. Noncompliant businesses can face civil or criminal penalties.
- [Generative AI for Small Businesses: Uses, Tools and Examples](https://www.ondeck.com/resources/ai-for-small-business): The present wave of generative AI technology struck the business world hard and fast. Since unveiling its DALL-E 2 image-generating...
- [The 9 Most Essential Questions To Ask Your Accountant This Year](https://www.ondeck.com/resources/6-questions-absolutely-must-ask-accountant-year): Your accountant is a valuable resource. Here’s what you should be asking them.
- [How Long Can You Finance Equipment?](https://www.ondeck.com/resources/how-long-can-you-finance-equipment): Running a small business often means needing to purchase essential pieces of equipment — from heavy-duty excavators to everyday office...
- [Annual Operating Plan: How to Build One in 8 Easy Steps](https://www.ondeck.com/resources/annual-operating-plan): Creating an effective annual operating plan (AOP) is important for any business, whether it’s a bustling startup or a well-established...
- [Can I Get Financing for Used Equipment?](https://www.ondeck.com/resources/can-i-get-equipment-financing-for-used-equipment): If you’re looking to purchase equipment for your business but you don’t want to break the bank, you may be...
- [The Countries and Cities With the Highest Proportion of Business Founders](https://www.ondeck.com/resources/countries-with-the-most-entrepreneurs): Have you ever had an idea for a business? Close to three in five Americans have at some point, but...
- [Invoice Factoring vs. Line of Credit: Weighing Your Options](https://www.ondeck.com/resources/factoring-vs-line-of-credit): Invoice factoring and lines of credit are business funding options, but when it comes to usage, repayment and cost there are some big differences.
- [America’s Highest Value International Exports, by State](https://www.ondeck.com/resources/biggest-us-exports): The U. S. trade deficit hit nearly $1 trillion in 2022, as America imported some $948. 1 billion more than...
- [Personal Line of Credit vs. Business Line of Credit: What’s the Difference?](https://www.ondeck.com/resources/personal-line-of-credit-vs-business-line-of-credit): A business line of credit is a flexible form of financing tailored to serve your business. Learn why getting a line of credit designed for businesses and not personal use is important.
- [Does a Business Line of Credit Affect Personal Credit?](https://www.ondeck.com/resources/does-a-business-line-of-credit-affect-personal-credit): Discover how and when a business line of credit can affect your personal credit.
- [What Is a Revolving Line of Credit?](https://www.ondeck.com/resources/what-is-a-revolving-line-of-credit): As a small business owner, you’re no stranger to the ups and downs of cash flow. There are times when...
- [Is a Small Business Loan Installment or Revolving?](https://www.ondeck.com/resources/is-small-business-loan-installment-or-revolving): A small business loan can be either installment or revolving. Learn the differences so you can pick the right one!
- [The Companies That Produce the Most CEOs](https://www.ondeck.com/resources/which-company-produced-the-most-ceos): They’re three ordinary letters that convey a world of power: CEO. But every CEO has their own origin story, some...
- [From Rio to Kauai: Gisele’s Entrepreneurial Journey](https://www.ondeck.com/resources/from-rio-to-kauai-giseles-entrepreneurial-journey): When Gisele Gardner moved to Hawaii from Brazil in 1997, she had no intention of starting a business. Over two...
- [The Net Income Formula Explained](https://www.ondeck.com/resources/net-income-formula): The net income formula helps you determine how much your business nets. To calculate net income, subtract total expenses from total revenue.
- [The Most Popular Business Industries in Every Country and U.S. State](https://www.ondeck.com/resources/biggest-industries-in-the-world): In today’s globalized world, industry production overwhelmingly dictates the health of our economies. Institutions like the International Monetary Fund (IMF)...
- [Content Marketing for Small Business: What You Need To Know To Succeed](https://www.ondeck.com/resources/small-business-owners-need-know-content-marketing): Learn how to market your business and gain an edge over your competitors by creating compelling content.
- [What Is a Good Business Credit Score?](https://www.ondeck.com/resources/business-credit-score-actually-mean): Discover the key factors that define a good business credit score and unlock potential for growth and financial success.
- [Email Marketing for Small Business: A 10-Step Guide for Success](https://www.ondeck.com/resources/small-business-best-practices-email-marketing): Email marketing can have a big impact on your business. Learn how to create an effective strategy with our guide.
- [Social Media Marketing for Small Business: The Ultimate Guide](https://www.ondeck.com/resources/5-tips-to-evaluating-your-small-business-social-media-marketing): Master social media marketing with our comprehensive guide. Discover effective strategies, tips and tools to boost your online presence and drive business growth!
- [The Most Loved Consumer Brands From Every State, Based on 2 Million Tweets](https://www.ondeck.com/resources/most-loved-brands): Branding has always been territorial. First, America’s cowboys branded their cattle to warn others to keep their hands off. Then,...
- [Is Business Loan Interest Tax Deductible?](https://www.ondeck.com/resources/is-business-loan-interest-tax-deductible): Business owners may be able to deduct the interest on their small business loans on their taxes. Here’s what you need to know.
- [What Is a Good Profit Margin?](https://www.ondeck.com/resources/good-profit-margin): You think your small business is doing well — you have loyal customers and you’re selling consistently. You try your...
- [Small Business Challenges: 58% “Very Concerned” About the Economy](https://www.ondeck.com/resources/small-business-challenges): The pandemic is in the rearview (knock on wood). Consumers are spending and life has returned to something resembling normal....
- [The U.S. States and Metro Areas With Highest Percentage of Female-Owned Businesses](https://www.ondeck.com/resources/what-percentage-of-businesses-are-owned-by-women): Owning your own business is the epitome of the American Dream. The freedom of self-employment and control of your own...
- [8 Marketing Ideas for Small Business — Easy, Creative and Inexpensive!](https://www.ondeck.com/resources/6-cost-effective-small-business-marketing-ideas): Grow your small business with these 8 creative and cheap marketing ideas.
- [The Reasons People Start Businesses in Every U.S. State and Metro Area](https://www.ondeck.com/resources/reasons-to-start-a-business): Every year, about 1 million new businesses spring up in America, according to the Bureau of Labor Statistics. Something inspires...
- [ACH Payments: What They Are and How They Work](https://www.ondeck.com/resources/ach-payments): ACH payments are designed to make things quick and easy. The money is taken straight from your bank account, which allows for same-day, direct payments between two parties.
- [Cost of Debt Formula: What It Means and How To Calculate It](https://www.ondeck.com/resources/cost-of-debt-formula): To calculate cost of debt, divide your total interest by your total debt. This formula tells you how much you’re spending on repaying your debt.
- [Small Business Marketing: A Step-by-Step Guide to Grow Your Company](https://www.ondeck.com/resources/small-business-marketing): Rock small business marketing with leading-edge strategies for social media, email, SEO and more.
- [Balance Sheet vs. Income Statement: How Are They Different?](https://www.ondeck.com/resources/balance-sheet-vs-income-statement): The difference between a balance sheet and income statement is the information they cover, plus the period of time they account for. Let’s define a balance sheet and income statement, explain what goes on each document, and review their differences.
- [The Companies That Produce The Most Business Founders](https://www.ondeck.com/resources/companies-that-produce-the-most-business-founders): After reaching a certain level of experience in your career, the allure of starting your own business can be all...
- [Should You Go Into Business With a Co-founder?](https://www.ondeck.com/resources/do-you-need-a-cofounder): Getting a business off the ground is no easy task. You may have had your dynamite idea and constructed a...
- [The Most and Least Stressful Business Software](https://www.ondeck.com/resources/stressful-business-software): Stress is one of the largest impediments to business productivity. Research from The American Institute of Stress discovered that 94% of workers report
- [10 Delegation Strategies From Famous Leaders (And How to Apply Them)](https://www.ondeck.com/resources/how-to-delegate): In any workplace and in any industry, effective delegation skills are considered essential. As a manager of a team, you are trusted to assign the right
- [How OnDeck Can Help Your Small Business](https://www.ondeck.com/resources/how-ondeck-can-help): Running a business can be challenging, but OnDeck is here to help. As an OnDeck customer, you get access to...
- [A Small Business Guide to Starting a Newsletter](https://www.ondeck.com/resources/business-newsletter): A lot has happened since email went out of fashion. Media went social. Memes went viral. Influencers influenced. But now, marketing has come full circle.
- [7 Reasons to Support Small Businesses](https://www.ondeck.com/resources/reasons-support-small-businesses): Without small businesses, every town would feel more or less the same — the same restaurants, the same coffee shops, the same big-name retailers. Small
- [The Business Apps That Collect The Most and Least Data](https://www.ondeck.com/resources/apps-collect-most-least-data): If you’ve ever consented to a privacy policy without fully reading through its terms, then you belong with the majority...
- [Improve Your Cash Flow With Stripe and OnDeck](https://www.ondeck.com/resources/improve-cash-flow-stripe-ondeck): Stripe provides a simple way to accept payments, whether you connect with customers online, in person or across the globe....
- [What Is Loan Stacking?](https://www.ondeck.com/resources/loan-stacking): When you run a small business, estimating your funding needs can be a difficult task. Occasionally, you may require funds...
- [Every State’s Top Import and Export](https://www.ondeck.com/resources/every-states-top-import-export): No matter what’s going on in the world politically and economically, people will always need to trade – and the...
- [Understanding Electronic Bank Statements](https://www.ondeck.com/resources/understanding-electronic-bank-statements): Business bank statements are critical to the business lending process. Before a lender can make a decision on a small business loan application, they will Business bank statements are critical to the business lending process. Find the answers to common questions about sending and receiving bank statements electronically.
- [How Small Businesses Are Taxed in Every Country](https://www.ondeck.com/resources/how-small-businesses-taxed-every-country): As global trade becomes more interdependent, countries have increasingly used corporate tax rates as a way to attract international business...
- [Thriving Through the Dry Spells: An OnDeck Success Story Video](https://www.ondeck.com/resources/thriving-through-the-dry-spells-an-ondeck-success-story-video): Mark runs a consulting company that helps businesses improve their applications. His business, CF Webtools, would regularly hit a dry...
- [The BIPOC Business Report: Where is the BIPOC Population Most Underserved?](https://www.ondeck.com/resources/bipoc-business-report): Minority-owned businesses strengthen local economies and communities. They diversify choice and opportunity and challenge industry norms. And the visibility of...
- [How Do You Qualify for a Business Loan?](https://www.ondeck.com/resources/qualify-business-loan): Running a business often requires additional funding to help see your vision through. However, qualifying for a business loan involves...
- [Can I Open a Business Bank Account Without a Deposit?](https://www.ondeck.com/resources/can-i-open-business-bank-account-without-deposit): While many business banks require an opening deposit to open a new account, you can still find financial institutions that do not require a minimum
- [The Oldest Business In 89 US Cities](https://www.ondeck.com/resources/oldest-business-89-us-cities): It took more than toughness for a small business to survive Covid-19. Business leaders needed to be nimble, bold, and...
- [Customer Story: Bilingual Child Care and Education Center](https://www.ondeck.com/resources/customer-story-bilingual-child-care-and-education-center): What drove you to start your small business? For our customer Leah Retamozo, the 2008 economic crash led her to...
- [15 Leadership Lessons from Female Founders and CEOs](https://www.ondeck.com/resources/15-leadership-lessons-female-founders-ceos): When Lisa Su was 10 years old, she used to take apart her brother’s remote-control cars and put them back...
- [Top Sources of Capital for Small Businesses](https://www.ondeck.com/resources/sources-of-capital-for-small-businesses): According to pre-pandemic data published by Federal Reserve Banks, 85% of small business applicants who sought funding in the past...
- [A Small Business Guide to Shopify](https://www.ondeck.com/resources/small-business-guide-shopify): Read our guide for small businesses getting started on Shopify, including tips to bring customers to your store and keep them coming back!
- [The Work Routines of 40 Successful Business Leaders](https://www.ondeck.com/resources/work-routines-40-successful-business-leaders): Curious how your productivity compares to others? Here's what 40 successful business leaders are doing during each hour of the day.
- [Today’s Small Business Loan Rates](https://www.ondeck.com/resources/todays-small-business-loan-rates): Running a small business in today’s economy requires a great deal of dedication, persistence and hard work. Sometimes, you might...
- [Everything You Should Know About Installment Loans](https://www.ondeck.com/resources/everything-you-should-know-about-installment-loans): If you’re at all familiar with loan products, you know that there are often different names for the same type of product. For example, “payday loans”
- [Operating a Small Business in the ‘New Normal’: Musicians Headquarters](https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-musicians-headquarters): We recently spoke with OnDeck customer Henry Lee, who owns Musicians Headquarters in Balch Springs, TX. He has used his OnDeck financing to stock up on inventory and manage cash flow through slow sales periods.
- [Operating a Small Business in the ‘New Normal’: NirvanaNour](https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-nirvananour): We recently spoke with OnDeck customer Melissa Diabate, who owns NirvanaNour in Houston, TX. She has used her OnDeck financing to stock up on inventory to meet demand during the pandemic.
- [Operating a Small Business in the ‘New Normal’: Gyro Oasis Deli & Grill](https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-gyro-oasis-deli-grill): While small businesses across the U. S. are reopening and adapting to the new normal, we’ll be highlighting stories of...
- [Why Small Businesses Are Important to Their Local Communities](https://www.ondeck.com/resources/why-small-businesses-are-important): In honor of Small Business Saturday, we conducted our second annual Small Business Community Impact Survey to highlight all the ways small businesses are an important part of their local communities.
- [How to Get a Veteran-Owned Business Certification](https://www.ondeck.com/resources/how-to-get-a-veteran-owned-business-certification): If you’re a veteran and a business owner, you’ve likely looked into a veteran-owned business certification in the past. You’ve...
- [How The William Everett Group Grew 10x in 5 Years](https://www.ondeck.com/resources/how-the-william-everett-group-grew-10x-in-5-years): Learn how Ellen Rozelle Turner has grown the William Everett Group to 100 consultants and 10 times the size in 5 years by tapping into her family values.
- [How to Use Discounts in Retail Without Cutting into Profits](https://www.ondeck.com/resources/how-to-use-discounts-to-drive-retail-sales-without-cutting-into-your-profits): Running a discount offer can be one of the most effective ways to boost sales. For example, discounts (Black Friday...
- [How Wild Women Winery Built a Thriving Boutique Business with Financing](https://www.ondeck.com/resources/how-wild-women-winery-built-a-thriving-boutique-business-with-financing): Charlene and Ross Meriwether own Wild Women Winery in the heart of downtown Denver, Colorado. The couple built a thriving...
- [2019 is the Summer of Small Business at OnDeck](https://www.ondeck.com/resources/summer-2019): This summer we’re celebrating our customers in what we call the Summer Of Small Business! Our CEO Noah Breslow will...
- [Does it Make Sense for my Business to Prepay a Loan?](https://www.ondeck.com/resources/does-it-make-sense-for-my-business-to-prepay-a-loan): Repaying a business loan early may seem like an attractive option in certain situations. Depending on the business lender and...
- [The Pros and Cons of Small Business Holiday Bonuses, Gifts, Parties and Time Off](https://www.ondeck.com/resources/the-pros-and-cons-of-small-business-holiday-bonuses-gifts-parties-and-time-off): Tis the season to show your employees you care. The holiday season bring out the warm and fuzzies no matter which holiday people are celebrating. If you
- [From Journalist to Nurse: Meadowlark Home Care](https://www.ondeck.com/resources/meadowlark-home-care): I banked with them for so long, and they knew how much money I had! It was very frustrating. But then I found OnDeck and they took me on.
- [12 Free Online Small Business Resources You Shouldn't Ignore](https://www.ondeck.com/resources/online-small-business-resources): Small and medium-sized businesses (SMBs) know how to stretch a dollar to make it go as far as possible. Whether...
- [Small Business, Smaller Small Business Budget?](https://www.ondeck.com/resources/small-business-smaller-budget): The rate of small business failure is trending downward, Entrepreneur reports. Part of this trend stems from savvy business owners...
- [Why was my loan application denied?](https://www.ondeck.com/resources/loan-application-denied): If you've ever asked the question, "Why was my loan application denied? " Check out this list of answers and...
- [Understanding Equity Financing](https://www.ondeck.com/resources/understanding-equity-financing): What is equity financing and does it make sense for my business? What types of equity financing is available and what businesses that have the most success?
- [Small Business Success: Vortic Watch Company](https://www.ondeck.com/resources/small-business-success-vortic-watch-company): Tips for Making Smart Inventory & Equipment Purchases: An Interview with RT Custer, Co-Founder of Vortic Watch Company Let me introduce you to the
- [The Pros and Cons of Taking On a Business Partner](https://www.ondeck.com/resources/the-pros-and-cons-of-taking-on-a-business-partner): Many business owners consider taking on a business partner a good idea. Is it right for you and your business? Here are some pros and cons to consider.
- [A Guide to OnDeck Business Credit Reporting](https://www.ondeck.com/resources/a-guide-to-ondeck-business-credit-reporting): Understanding your business credit profile A key measure of your business’ financial health is your business credit profile. We want...
- [14 Questions You Should Ask Before You Get a Small Business Loan](https://www.ondeck.com/resources/14-questions-you-should-ask-before-you-get-a-small-business-loan): Small businesses have more financing options today than ever before, yet navigating the maze of loan types and lenders can...
- [Meet the Barbara Corcoran Seal of Approval Contest Winners](https://www.ondeck.com/resources/barbara-corcoran-seal-of-approval-contest-winners): This is a sponsored post written by me on behalf of On Deck Capital, Inc. My passion is business, and I am especially passionate about helping
- [Open or Shut? How Small Businesses Owners Pick Business Hours](https://www.ondeck.com/resources/open-or-shut-how-small-businesses-owners-pick-business-hours): A sign with opening hours is one of the fixtures of a small business storefront. But “open” and “closed” are not quite as black and white as they appear
- [When Should Small Businesses Decorate for the Holidays?](https://www.ondeck.com/resources/when-should-small-businesses-decorate-for-the-holidays): 40 percent of shoppers start their holiday gift buying before Halloween. If your customers are ready for Santa in October, should you be too?
- [Loan Stacking is Bad for Your Business](https://www.ondeck.com/resources/loan-stacking-bad-business): Have you heard of loan stacking? If you’re unfamiliar with the term, loan stacking is where a loan or cash advance is approved on top of a loan or advance
- [4 Rules for Handling Conflicts With Your Business Partner](https://www.ondeck.com/resources/4-rules-handling-conflicts-business-partner): Working with a partner has it rewards and its challenges—you might not always agree. So here are 4 rules for handing conflicts with your business partner.
- [When You Need to Get a Business Loan Fast](https://www.ondeck.com/resources/fast-small-business-loans-2): There are times when a small business owner can't wait weeks or months to find a loan for his or her business—they need a fast business loan.
- [Where Do Startups Really Get the Money to Start?](https://www.ondeck.com/resources/startups-really-get-money-start): If you’ve put your faith in what I call the “Myth of the Shark Tank,” you may be surprised at where most start-ups get cash to start...
- [How Do You Pay Your Salespeople?](https://www.ondeck.com/resources/pay-salespeople): How do you compensate a sales team? Salespeople can make or break your business. But knowing how to property incentivize them can be tricky.
- [5 Business (Types) That Are Perfect For Crowdfunding](https://www.ondeck.com/resources/5-business-types-perfect-crowdfunding): Crowdfunding is one of the more empowering developments of the Internet age. Through the connected power of the masses, aspiring...
- [The 3 Most Effective Ways to Get Vendor Discounts](https://www.ondeck.com/resources/leverage-vendor-discounts-increase-profits): Creating successful relationships with vendors is every bit as important as the relationships you build with your customers.
- [7 U.S. Presidents Who You Never Knew Ran Small Businesses](https://www.ondeck.com/resources/7-u-s-presidents-never-knew-ran-small-businesses): You might be surprised to learn there have been several US Presidents who ran small businesses —in addition to President Trump. Here are seven more.
- [8 Celebrities You'll Be Surprised to Know Own Small Businesses](https://www.ondeck.com/resources/8-celebrities-youll-surprised-know-small-businesses): As Us Weekly would put it, “Stars: they’re just like us! ” – and that’s true in business too. These...
- [The 5 Best Compliments To Hear As A Small Business Owner](https://www.ondeck.com/resources/5-best-compliments-hear-small-business-owner): Small businesses like to be recognized by their customers. These 5 small business compliments, tell you your business is heading in the right direction.
- [Social Media Best Practices](https://www.ondeck.com/resources/social-media-best-practices): Social media offers businesses massive opportunities. It's a low-cost way to promote your business, engage consumers, and maximize your company's online
- [What is a merchant cash advance?](https://www.ondeck.com/resources/merchant-cash-advance-2): Our small business resource center features hundreds of informative articles written by industry experts. Topics range from building credit to small business insights and beyond.

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- Published: 2026-04-23
- Modified: 2026-04-23
- URL: https://www.ondeck.com/small-business-trends-2025
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- Published: 2026-04-01
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- URL: https://www.ondeck.com/states/texas-small-business-loans
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- Published: 2026-03-18
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- URL: https://www.ondeck.com/states/california-small-business-loans
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- Published: 2026-02-23
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- URL: https://www.ondeck.com/sp/bankrate
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- Published: 2025-12-04
- Modified: 2025-12-04
- URL: https://www.ondeck.com/dental-practice-loans
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- Published: 2025-10-23
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- URL: https://www.ondeck.com/aud/spotify
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- Published: 2025-10-03
- Modified: 2025-10-03
- URL: https://www.ondeck.com/ppcn/sba
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- Published: 2025-08-05
- Modified: 2025-12-18
- URL: https://www.ondeck.com/small-business-loans-for-women
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- Published: 2023-08-04
- Modified: 2025-12-18
- URL: https://www.ondeck.com/short-term-loans
---

- Published: 2023-08-02
- Modified: 2025-12-18
- URL: https://www.ondeck.com/
---

- Published: 2023-02-07
- Modified: 2026-02-24
- URL: https://www.ondeck.com/business-line-of-credit
---

> Terms of Use Updated and effective December 07, 2022 1. OnDeck Terms and Conditions The OnDeck Services and websites (each as defined below) are operated

- Published: 2022-11-21
- Modified: 2024-11-13
- URL: https://www.ondeck.com/terms
---

- Published: 2018-11-28
- Modified: 2026-01-28
- URL: https://www.ondeck.com/small-business-loans
---


---


## Resources

- Published: 2026-04-24
- Modified: 2026-04-24
- URL: https://www.ondeck.com/resources/make-sure-youre-hiring-the-right-people
- Resource Categories: Running a Business
---

- Published: 2026-04-22
- Modified: 2026-04-22
- URL: https://www.ondeck.com/resources/growth-hacking
- Resource Categories: Insights and Stories
---

- Published: 2026-04-20
- Modified: 2026-04-09
- URL: https://www.ondeck.com/resources/shop-local
---

- Published: 2026-04-14
- Modified: 2026-04-14
- URL: https://www.ondeck.com/resources/most-popular-restaurants-in-america
- Resource Categories: Insights and Stories
---

- Published: 2026-04-08
- Modified: 2026-04-09
- URL: https://www.ondeck.com/resources/why-is-business-credit-score-important
- Resource Categories: Running a Business
---

- Published: 2026-04-08
- Modified: 2026-04-08
- URL: https://www.ondeck.com/resources/shopping-local-statistics
- Resource Categories: Insights and Stories
---

- Published: 2026-03-27
- Modified: 2026-03-31
- URL: https://www.ondeck.com/resources/sba-loans
- Resource Categories: Small Business Financing
Although the SBA (U.S. Small Business Administration) isn’t a lender, it has guaranteed millions of small business loans since it was established in 1953. SBA loans are

---

- Published: 2026-03-23
- Modified: 2026-03-23
- URL: https://www.ondeck.com/resources/celebrate-small-business-week
- Resource Categories: Running a Business
---

- Published: 2026-03-20
- Modified: 2026-03-31
- URL: https://www.ondeck.com/resources/receivables-financing
- Resource Categories: Small Business Financing
---

- Published: 2026-03-11
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/the-colleges-that-produce-the-most-small-business-owners
- Resource Categories: Insights and Stories
---

- Published: 2026-02-27
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/what-is-the-most-popular-type-of-restaurant
- Resource Categories: Insights and Stories
---

- Published: 2026-02-20
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/best-coffee-shops-in-america
- Resource Categories: Insights and Stories
---

- Published: 2026-02-03
- Modified: 2026-03-19
- URL: https://www.ondeck.com/resources/states-metros-family-owned
- Resource Categories: Insights and Stories
---

- Published: 2026-01-16
- Modified: 2026-03-31
- URL: https://www.ondeck.com/resources/credit-card-processing-fees-small-business
---

- Published: 2026-01-06
- Modified: 2026-01-14
- URL: https://www.ondeck.com/resources/20-business-tasks-you-can-easily-automate
- Resource Categories: Running a Business
---

- Published: 2025-12-19
- Modified: 2025-12-19
- URL: https://www.ondeck.com/resources/compare-lenders
- Resource Categories: Small Business Financing
---

- Published: 2025-12-05
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/how-do-online-business-loans-work
- Resource Categories: Small Business Financing
---

- Published: 2025-12-01
- Modified: 2026-03-12
- URL: https://www.ondeck.com/resources/minority-business-grants
- Resource Categories: Small Business Financing
---

- Published: 2025-11-25
- Modified: 2025-11-25
- URL: https://www.ondeck.com/resources/how-to-apply-for-minority-owned-business-grants
---

- Published: 2025-11-07
- Modified: 2026-01-28
- URL: https://www.ondeck.com/resources/profit-margin-calculator
- Resource Categories: Running a Business
---

- Published: 2025-11-03
- Modified: 2025-11-19
- URL: https://www.ondeck.com/resources/small-business-saturday
- Resource Categories: Running a Business
---

- Published: 2025-11-03
- Modified: 2025-11-25
- URL: https://www.ondeck.com/resources/revenue-per-employee-ranking
- Resource Categories: Insights and Stories
---

- Published: 2025-10-14
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/most-popular-women-owned-business-by-state
- Resource Categories: Insights and Stories
---

- Published: 2025-10-10
- Modified: 2025-11-26
- URL: https://www.ondeck.com/resources/how-to-establish-and-build-business-credit
- Resource Categories: Small Business Financing
---

- Published: 2025-10-08
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/business-tradelines
- Resource Categories: Running a Business
---

- Published: 2025-10-06
- Modified: 2025-11-25
- URL: https://www.ondeck.com/resources/how-to-read-business-credit-report
- Resource Categories: Small Business Financing
---

- Published: 2025-10-06
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/business-credit-vs-personal-credit
- Resource Categories: Small Business Financing
---

- Published: 2025-10-03
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/government-shutdown-sba-loans
- Resource Categories: Small Business Financing
---

- Published: 2025-10-01
- Modified: 2025-11-13
- URL: https://www.ondeck.com/resources/national-womens-small-business-month
- Resource Categories: Running a Business
---

- Published: 2025-09-26
- Modified: 2025-11-13
- URL: https://www.ondeck.com/resources/build-business-credit-fast
- Resource Categories: Small Business Financing
---

- Published: 2025-09-18
- Modified: 2025-11-25
- URL: https://www.ondeck.com/resources/how-long-does-it-take-to-build-business-credit
- Resource Categories: Small Business Financing
---

- Published: 2025-08-15
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/how-to-register-as-a-minority-owned-business
- Resource Categories: Running a Business
---

- Published: 2025-08-04
- Modified: 2026-03-18
- URL: https://www.ondeck.com/resources/how-to-qualify-for-a-business-loan
- Resource Categories: Running a Business
---

- Published: 2025-07-30
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/woman-owned-business-benefits
- Resource Categories: Running a Business
---

> Learn how to get certified as a women-owned business and unlock benefits like government contracts, networking opportunities and funding resources.

- Published: 2025-07-18
- Modified: 2025-09-08
- URL: https://www.ondeck.com/resources/women-owned-business-certification
- Resource Categories: Running a Business
---

- Published: 2025-07-09
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/business-loan-documents
- Resource Categories: Small Business Financing
---

- Published: 2025-06-30
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/pros-and-cons-business-line-of-credit
- Resource Categories: Small Business Financing
---

- Published: 2025-06-23
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/business-term-loan-vs-line-of-credit
- Resource Categories: Small Business Financing
---

- Published: 2025-06-17
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/seasonal-small-business
- Resource Categories: Running a Business
---

> Discover 18 ways to increase sales. 1. Nail down your value proposition. 2. The sales funnel method. 3. Engage with customers

- Published: 2025-06-10
- Modified: 2025-08-27
- URL: https://www.ondeck.com/resources/how-to-increase-sales
- Resource Categories: Running a Business
---

- Published: 2025-06-02
- Modified: 2026-04-08
- URL: https://www.ondeck.com/resources/employee-retention
- Resource Categories: Running a Business
---

- Published: 2025-05-30
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/increase-restaurant-sales
- Resource Categories: Running a Business
---

- Published: 2025-05-29
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/business-loan-calculator
- Resource Categories: Small Business Financing
---

- Published: 2025-05-22
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/restaurant-management-tips-and-tricks
- Resource Categories: Running a Business
---

> Discover the key differences between secured and unsecured business loans, including pros and cons and how to choose the best option for your business needs.

- Published: 2025-05-06
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/secured-vs-unsecured-business-loans
- Resource Categories: Small Business Financing
---

- Published: 2025-04-30
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/what-is-a-business-term-loan
- Resource Categories: Small Business Financing
---

> Efficient business operations is key to running a business that’s always getting better and better at what it does. Here's what you need to know.

- Published: 2025-04-23
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/what-is-operations
- Resource Categories: Insights and Stories
---

> Discover how small businesses can build competitive benefits packages, including health insurance, retirement plans and perks that attract top talent.

- Published: 2025-04-23
- Modified: 2025-06-04
- URL: https://www.ondeck.com/resources/small-business-employee-benefits
- Resource Categories: Running a Business
---

- Published: 2025-04-21
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/are-small-business-loans-secured-or-unsecured
- Resource Categories: Small Business Financing
---

> Review common business structures such as LLCs, sole proprietorships, and corporations to help you choose the right business structure for your needs.

- Published: 2025-04-16
- Modified: 2025-04-16
- URL: https://www.ondeck.com/resources/business-structure
- Resource Categories: Running a Business
---

> Learn how to advertise your small business effectively with these 15 proven strategies, from social media to SEO and more. Boost your reach today!

- Published: 2025-04-10
- Modified: 2025-04-21
- URL: https://www.ondeck.com/resources/small-business-advertising
- Resource Categories: Running a Business
---

> Discover small business financial management tips. Learn how to streamline finances, boost cash flow and plan for success.

- Published: 2025-04-04
- Modified: 2025-04-03
- URL: https://www.ondeck.com/resources/business-financial-management
- Resource Categories: Running a Business
---

> Discover proven growth strategies to help your business thrive. Learn how to expand marketing, retain customers, improve products and scale effectively.

- Published: 2025-04-03
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/business-growth-strategies
---

> Want to write a winning business plan? Use these 10 simple, easy-to-follow steps as your guide for crafting a solid business plan.

- Published: 2025-04-02
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/how-to-write-a-business-plan
---

> Discover essential strategies, skills and tools for effective small business management. Learn how to streamline operations and drive growth with confidence.

- Published: 2025-03-06
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/small-business-management
- Resource Categories: Running a Business
---

- Published: 2025-02-28
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/how-to-get-a-small-business-loan-without-collateral
- Resource Categories: Small Business Financing
---

- Published: 2025-02-05
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/what-is-collateral-and-do-i-really-need-it-for-a-business-loan
- Resource Categories: Small Business Financing
---

- Published: 2025-02-04
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/business-budget
- Resource Categories: Running a Business
---

> Take on your goals head first. By setting objectives and following through on these key strategies, you’ll be well-positioned to achieve them.

- Published: 2025-01-28
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/small-business-goals
---

- Published: 2025-01-03
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/short-term-business-financing-all-you-need-to-know
- Resource Categories: Small Business Financing
---

> The end of the year can be a busy time for small business owners. Use our small business end of year checklist to help you get organized.

- Published: 2024-11-26
- Modified: 2024-12-02
- URL: https://www.ondeck.com/resources/end-year-checklist-small-businesses
- Resource Categories: Running a Business
---

> Get inspired with unique holiday party ideas for small businesses! From themed parties to gift exchanges, learn how to plan a festive, memorable event.

- Published: 2024-11-15
- Modified: 2024-11-15
- URL: https://www.ondeck.com/resources/how-to-throw-the-ultimate-work-holiday-party
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2024-11-12
- Modified: 2025-12-11
- URL: https://www.ondeck.com/resources/how-retailers-can-maximize-holiday-season-sales
- Resource Categories: Small Business Financing
---

> Discover how many business credit cards you should have, the benefits of multiple cards, and how they impact your business credit score.

- Published: 2024-11-07
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/how-many-business-credit-cards-is-too-many
- Resource Categories: Small Business Financing
---

- Published: 2024-11-06
- Modified: 2026-04-03
- URL: https://www.ondeck.com/resources/best-place-to-start-a-small-business
- Resource Categories: Insights and Stories
---

- Published: 2024-11-04
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/favorite-small-businesses
- Resource Categories: Insights and Stories
---

> Learn what you need to do to get a business credit card that is right for your small business.

- Published: 2024-10-30
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/how-to-get-a-business-credit-card
- Resource Categories: Small Business Financing
---

> A business credit card is a financial tool business owners use to cover expenses and manage cash flow. See if it’s right for your business.

- Published: 2024-10-24
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/understanding-business-credit-cards
- Resource Categories: Small Business Financing
Business credit cards are a popular way for small businesses to access credit. Here's what you need to know to take advantage of a business credit card.

---

> Types of business bank accounts include checking, saving, money market and merchant accounts.

- Published: 2024-10-17
- Modified: 2025-08-27
- URL: https://www.ondeck.com/resources/types-of-business-bank-accounts
- Resource Categories: Running a Business
---

- Published: 2024-10-03
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/what-do-i-need-open-business-bank-account
- Resource Categories: Small Business Financing
---

> Revenue-based financing is a non-traditional funding option with some pros and cons. See if RBF could be right for your small business.

- Published: 2024-09-25
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/revenue-based-financing
- Resource Categories: Small Business Financing
---

> Common business terms include A/B testing, accounts receivable, acquisition, actuary, affiliate marketing and more.

- Published: 2024-09-18
- Modified: 2024-11-18
- URL: https://www.ondeck.com/resources/business-terms-to-know
- Resource Categories: Running a Business
---

> Alternatives to merchant cash advances include online business loans, lines of credit, SBA loans, equipment loans and more. See what works best for you.

- Published: 2024-09-10
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/merchant-cash-advance-alternatives
- Resource Categories: Small Business Financing
---

> Operational effectiveness is about optimizing business processes, resources and talent to gain a competitive edge and succeed. Use these expert tips to start.

- Published: 2024-09-04
- Modified: 2025-06-10
- URL: https://www.ondeck.com/resources/effective-operations
- Resource Categories: Running a Business
---

> An operations manual can take your small business to the next level. Learn what they are and how to write one.

- Published: 2024-08-28
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/5-reasons-you-need-a-documented-operations-manual
- Resource Categories: Running a Business
A documented operations manual is a good idea. Here are five reasons you should consider creating one for your small business.

---

> Discover the pros and cons of merchant cash advances, how they work, their impact on credit, and explore alternative financing options for your business.

- Published: 2024-08-22
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/pros-and-cons-merchant-cash-advances
- Resource Categories: Small Business Financing
---

> Consolidating merchant cash advances could simplify your repayments, lower factor rates and help improve credit history. Understand the process and potential risks before deciding if it’s right for you.

- Published: 2024-08-14
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/merchant-cash-advance-consolidation
---

> Our small business resource center features hundreds of informative articles written by industry experts. Topics range from building credit to small business insights and beyond.Learn how to determine the right line of credit amount for your business, including assessing needs, improving limits and budgeting for payments.

- Published: 2024-08-06
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/how-to-determine-business-line-of-credit-amount
- Resource Categories: Small Business Financing
---

- Published: 2024-08-01
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/uses-for-business-line-of-credit
- Resource Categories: Small Business Financing
---

> Learn how to calculate working capital and stay on top of your business finances.

- Published: 2024-07-31
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/working-capital-formula
- Resource Categories: Small Business Financing
---

> A sale-leaseback is when a company sells an asset (typically real estate or equipment) to an investor or leasing company and leases it back for a set period.

- Published: 2024-07-24
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/sale-leaseback
---

- Published: 2024-07-22
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/small-business-employee-salary
- Resource Categories: Insights and Stories
---

> Leasing and buying equipment both have their pros and cons, but which is right for your business?

- Published: 2024-07-16
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/leasing-vs-buying-makes-sense-business
- Resource Categories: Small Business Financing
---

- Published: 2024-07-03
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/sba-loan-with-bad-credit
- Resource Categories: Small Business Financing
---

- Published: 2024-06-20
- Modified: 2026-03-11
- URL: https://www.ondeck.com/resources/minimum-credit-score-for-business-loan
---

- Published: 2024-06-13
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/business-partner-with-bad-credit
- Resource Categories: Running a Business
---

- Published: 2024-06-04
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/do-credit-checks-lower-my-business-credit-score
- Resource Categories: Small Business Financing
---

- Published: 2024-05-21
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/what-is-a-soft-credit-check
- Resource Categories: Small Business Financing
---

> Your working capital ratio can help you determine how much working capital you need.

- Published: 2024-05-15
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/how-much-working-capital-do-i-need
- Resource Categories: Small Business Financing
---

- Published: 2024-05-06
- Modified: 2026-03-12
- URL: https://www.ondeck.com/resources/create-small-business-credit-file
- Resource Categories: Small Business Financing
---

> Working capital optimization is the process of managing a business’s short-term assets and liabilities to maintain liquidity.

- Published: 2024-05-01
- Modified: 2024-04-17
- URL: https://www.ondeck.com/resources/working-capital-optimization
- Resource Categories: Running a Business
---

- Published: 2024-04-23
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/most-patents-by-company
---

> Working capital is a measure of a company’s liquidity. It’s defined as the difference between your current assets and current liabilities.

- Published: 2024-04-16
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/what-is-working-capital
- Resource Categories: Running a Business
---

> See how everything from your business structure to your retirement plan can help you save money on your business taxes.

- Published: 2024-03-27
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/high-value-tax-strategies-for-small-business-owners
- Resource Categories: Running a Business
---

> Fixed capital includes long-term assets such as real estate, while working capital comprises liquid assets for covering operating expenses.

- Published: 2024-03-26
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/fixed-capital-vs-working-capital
- Resource Categories: Small Business Financing
---

> A good working capital ratio is generally between 1.5 and 2, but your company’s financial picture doesn’t end there.

- Published: 2024-03-20
- Modified: 2024-08-12
- URL: https://www.ondeck.com/resources/what-is-a-good-working-capital-ratio
- Resource Categories: Running a Business
---

- Published: 2024-03-20
- Modified: 2026-03-13
- URL: https://www.ondeck.com/resources/pay-gap-gig-economy
- Resource Categories: Insights and Stories
---

- Published: 2024-03-04
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/gross-revenue-vs-net-revenue
- Resource Categories: Running a Business
---

- Published: 2024-02-26
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/most-trusted-brands
- Resource Categories: Insights and Stories
---

- Published: 2024-02-06
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/understanding-personal-guarantees
- Resource Categories: Small Business Financing
A personal guarantee makes a borrower personally responsible for a business loan. Lenders use it to create an additional layer of security when considering a loan application.

---

> Conquer seasonal rushes with these success strategies from Royal Petals ATL.

- Published: 2024-02-05
- Modified: 2024-04-16
- URL: https://www.ondeck.com/resources/atlanta-florist-blossoms-during-busy-seasons
- Resource Categories: Insights and Stories
---

- Published: 2024-01-31
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/21-financial-terms-you-should-know
- Resource Categories: Small Business Financing
---

- Published: 2024-01-29
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/7-key-keys-to-building-a-good-pricing-strategy
- Resource Categories: Running a Business
---

> A Facebook page is easier to use and cheaper. A website, however, offers your business SEO benefits.

- Published: 2024-01-26
- Modified: 2024-04-16
- URL: https://www.ondeck.com/resources/facebook-page-vs-website-which-use
- Resource Categories: Running a Business
---

> The Corporate Transparency Act marks a major shift in reporting requirements. Noncompliant businesses can face civil or criminal penalties.

- Published: 2024-01-23
- Modified: 2024-04-16
- URL: https://www.ondeck.com/resources/corporate-transparency-act
- Resource Categories: Running a Business
---

- Published: 2024-01-18
- Modified: 2026-03-31
- URL: https://www.ondeck.com/resources/ai-for-small-business
- Resource Categories: Insights and Stories
---

> Your accountant is a valuable resource. Here’s what you should be asking them.

- Published: 2024-01-17
- Modified: 2024-08-19
- URL: https://www.ondeck.com/resources/6-questions-absolutely-must-ask-accountant-year
- Resource Categories: Running a Business
---

- Published: 2024-01-11
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/how-long-can-you-finance-equipment
- Resource Categories: Small Business Financing
---

- Published: 2024-01-02
- Modified: 2025-12-03
- URL: https://www.ondeck.com/resources/annual-operating-plan
- Resource Categories: Small Business Financing
---

- Published: 2023-12-27
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/can-i-get-equipment-financing-for-used-equipment
- Resource Categories: Small Business Financing
---

- Published: 2023-12-06
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/countries-with-the-most-entrepreneurs
- Resource Categories: Insights and Stories
---

> Invoice factoring and lines of credit are business funding options, but when it comes to usage, repayment and cost there are some big differences.

- Published: 2023-11-29
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/factoring-vs-line-of-credit
- Resource Categories: Small Business Financing
---

- Published: 2023-11-22
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/biggest-us-exports
- Resource Categories: Insights and Stories
---

> A business line of credit is a flexible form of financing tailored to serve your business. Learn why getting a line of credit designed for businesses and not personal use is important.

- Published: 2023-11-15
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/personal-line-of-credit-vs-business-line-of-credit
- Resource Categories: Small Business Financing
---

> Discover how and when a business line of credit can affect your personal credit.

- Published: 2023-11-07
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/does-a-business-line-of-credit-affect-personal-credit
- Resource Categories: Small Business Financing
---

- Published: 2023-11-01
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/what-is-a-revolving-line-of-credit
- Resource Categories: Small Business Financing
---

> A small business loan can be either installment or revolving. Learn the differences so you can pick the right one!

- Published: 2023-10-18
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/is-small-business-loan-installment-or-revolving
- Resource Categories: Small Business Financing
---

- Published: 2023-10-11
- Modified: 2025-12-03
- URL: https://www.ondeck.com/resources/which-company-produced-the-most-ceos
- Resource Categories: Insights and Stories
---

- Published: 2023-10-10
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/from-rio-to-kauai-giseles-entrepreneurial-journey
- Resource Categories: Insights and Stories
---

> The net income formula helps you determine how much your business nets. To calculate net income, subtract total expenses from total revenue.

- Published: 2023-09-08
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/net-income-formula
- Resource Categories: Running a Business
---

- Published: 2023-08-02
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/biggest-industries-in-the-world
- Resource Categories: Insights and Stories
---

> Learn how to market your business and gain an edge over your competitors by creating compelling content.

- Published: 2023-07-06
- Modified: 2024-03-04
- URL: https://www.ondeck.com/resources/small-business-owners-need-know-content-marketing
- Resource Categories: Running a Business
---

> Discover the key factors that define a good business credit score and unlock potential for growth and financial success.

- Published: 2023-06-20
- Modified: 2025-08-15
- URL: https://www.ondeck.com/resources/business-credit-score-actually-mean
- Resource Categories: Small Business Financing
---

> Email marketing can have a big impact on your business. Learn how to create an effective strategy with our guide.

- Published: 2023-06-07
- Modified: 2025-03-20
- URL: https://www.ondeck.com/resources/small-business-best-practices-email-marketing
- Resource Categories: Running a Business
---

> Master social media marketing with our comprehensive guide. Discover effective strategies, tips and tools to boost your online presence and drive business growth!

- Published: 2023-06-07
- Modified: 2025-04-22
- URL: https://www.ondeck.com/resources/5-tips-to-evaluating-your-small-business-social-media-marketing
- Resource Categories: Running a Business
---

- Published: 2023-05-24
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/most-loved-brands
- Resource Categories: Insights and Stories
---

> Business owners may be able to deduct the interest on their small business loans on their taxes. Here’s what you need to know.

- Published: 2023-05-02
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/is-business-loan-interest-tax-deductible
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2023-04-26
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/good-profit-margin
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2023-04-25
- Modified: 2026-01-22
- URL: https://www.ondeck.com/resources/small-business-challenges
- Resource Categories: Insights and Stories
---

- Published: 2023-04-19
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/what-percentage-of-businesses-are-owned-by-women
---

> Grow your small business with these 8 creative and cheap marketing ideas.

- Published: 2023-04-13
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/6-cost-effective-small-business-marketing-ideas
- Resource Categories: Running a Business
---

- Published: 2023-03-28
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/reasons-to-start-a-business
---

> ACH payments are designed to make things quick and easy. The money is taken straight from your bank account, which allows for same-day, direct payments between two parties.

- Published: 2023-03-23
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/ach-payments
- Resource Categories: Small Business Financing
---

> To calculate cost of debt, divide your total interest by your total debt. This formula tells you how much you’re spending on repaying your debt.

- Published: 2023-02-23
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/cost-of-debt-formula
- Resource Categories: Running a Business, Small Business Financing
---

> Rock small business marketing with leading-edge strategies for social media, email, SEO and more.

- Published: 2023-02-20
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/small-business-marketing
- Resource Categories: Running a Business
---

> The difference between a balance sheet and income statement is the information they cover, plus the period of time they account for. Let’s define a balance sheet and income statement, explain what goes on each document, and review their differences.

- Published: 2023-02-20
- Modified: 2024-04-08
- URL: https://www.ondeck.com/resources/balance-sheet-vs-income-statement
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2023-01-12
- Modified: 2026-03-13
- URL: https://www.ondeck.com/resources/companies-that-produce-the-most-business-founders
- Resource Categories: Insights and Stories
---

- Published: 2022-12-05
- Modified: 2025-12-03
- URL: https://www.ondeck.com/resources/do-you-need-a-cofounder
- Resource Categories: Insights and Stories
---

> Stress is one of the largest impediments to business productivity. Research from The American Institute of Stress discovered that 94% of workers report

- Published: 2022-11-09
- Modified: 2024-08-19
- URL: https://www.ondeck.com/resources/stressful-business-software
- Resource Categories: Insights and Stories
---

> In any workplace and in any industry, effective delegation skills are considered essential. As a manager of a team, you are trusted to assign the right

- Published: 2022-10-26
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/how-to-delegate
- Resource Categories: Insights and Stories
---

- Published: 2022-10-21
- Modified: 2026-04-09
- URL: https://www.ondeck.com/resources/how-ondeck-can-help
- Resource Categories: Small Business Financing
---

> A lot has happened since email went out of fashion. Media went social. Memes went viral. Influencers influenced. But now, marketing has come full circle.

- Published: 2022-10-12
- Modified: 2025-08-27
- URL: https://www.ondeck.com/resources/business-newsletter
- Resource Categories: Insights and Stories
---

> Without small businesses, every town would feel more or less the same — the same restaurants, the same coffee shops, the same big-name retailers. Small

- Published: 2022-08-18
- Modified: 2024-10-25
- URL: https://www.ondeck.com/resources/reasons-support-small-businesses
- Resource Categories: Running a Business
---

- Published: 2022-08-08
- Modified: 2026-03-13
- URL: https://www.ondeck.com/resources/apps-collect-most-least-data
- Resource Categories: Insights and Stories
---

- Published: 2022-06-14
- Modified: 2026-03-10
- URL: https://www.ondeck.com/resources/improve-cash-flow-stripe-ondeck
- Resource Categories: Running a Business
---

- Published: 2022-06-14
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/loan-stacking
- Resource Categories: Small Business Financing
---

- Published: 2022-04-25
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/every-states-top-import-export
- Resource Categories: Insights and Stories
---

> Business bank statements are critical to the business lending process. Before a lender can make a decision on a small business loan application, they will Business bank statements are critical to the business lending process. Find the answers to common questions about sending and receiving bank statements electronically.

- Published: 2022-03-22
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/understanding-electronic-bank-statements
- Resource Categories: Uncategorized
---

- Published: 2022-01-24
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/how-small-businesses-taxed-every-country
- Resource Categories: Insights and Stories
---

- Published: 2022-01-20
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/thriving-through-the-dry-spells-an-ondeck-success-story-video
- Resource Categories: Insights and Stories, Small Business Financing
---

- Published: 2022-01-19
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/bipoc-business-report
- Resource Categories: Insights and Stories
---

- Published: 2022-01-13
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/qualify-business-loan
- Resource Categories: Small Business Financing
---

> While many business banks require an opening deposit to open a new account, you can still find financial institutions that do not require a minimum

- Published: 2021-11-12
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/can-i-open-business-bank-account-without-deposit
- Resource Categories: Small Business Financing
---

- Published: 2021-10-04
- Modified: 2026-03-12
- URL: https://www.ondeck.com/resources/oldest-business-89-us-cities
- Resource Categories: Insights and Stories
---

- Published: 2021-09-14
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/customer-story-bilingual-child-care-and-education-center
- Resource Categories: Insights and Stories, Running a Business
---

- Published: 2021-08-08
- Modified: 2026-03-13
- URL: https://www.ondeck.com/resources/15-leadership-lessons-female-founders-ceos
- Resource Categories: Running a Business
---

- Published: 2021-07-22
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/sources-of-capital-for-small-businesses
- Resource Categories: Small Business Financing
---

> Read our guide for small businesses getting started on Shopify, including tips to bring customers to your store and keep them coming back!

- Published: 2021-07-18
- Modified: 2025-05-20
- URL: https://www.ondeck.com/resources/small-business-guide-shopify
- Resource Categories: Running a Business
---

> Curious how your productivity compares to others? Here's what 40 successful business leaders are doing during each hour of the day.

- Published: 2021-04-19
- Modified: 2025-05-20
- URL: https://www.ondeck.com/resources/work-routines-40-successful-business-leaders
- Resource Categories: Running a Business
---

- Published: 2021-03-16
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/todays-small-business-loan-rates
- Resource Categories: Running a Business, Small Business Financing
---

> If you’re at all familiar with loan products, you know that there are often different names for the same type of product. For example, “payday loans”

- Published: 2021-02-19
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/everything-you-should-know-about-installment-loans
- Resource Categories: Insights and Stories, Running a Business
---

> We recently spoke with OnDeck customer Henry Lee, who owns Musicians Headquarters in Balch Springs, TX. He has used his OnDeck financing to stock up on inventory and manage cash flow through slow sales periods.

- Published: 2020-09-10
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-musicians-headquarters
- Resource Categories: Insights and Stories
---

> We recently spoke with OnDeck customer Melissa Diabate, who owns NirvanaNour in Houston, TX. She has used her OnDeck financing to stock up on inventory to meet demand during the pandemic.

- Published: 2020-07-24
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-nirvananour
- Resource Categories: Insights and Stories
---

- Published: 2020-07-14
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-gyro-oasis-deli-grill
- Resource Categories: Insights and Stories
---

> In honor of Small Business Saturday, we conducted our second annual Small Business Community Impact Survey to highlight all the ways small businesses are an important part of their local communities.

- Published: 2019-11-25
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/why-small-businesses-are-important
- Resource Categories: Insights and Stories, Running a Business
---

- Published: 2019-11-07
- Modified: 2026-03-12
- URL: https://www.ondeck.com/resources/how-to-get-a-veteran-owned-business-certification
- Resource Categories: Running a Business
---

> Learn how Ellen Rozelle Turner has grown the William Everett Group to 100 consultants and 10 times the size in 5 years by tapping into her family values.

- Published: 2019-09-13
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/how-the-william-everett-group-grew-10x-in-5-years
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2019-07-16
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/how-to-use-discounts-to-drive-retail-sales-without-cutting-into-your-profits
- Resource Categories: Running a Business
---

- Published: 2019-07-12
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/how-wild-women-winery-built-a-thriving-boutique-business-with-financing
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2019-06-19
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/summer-2019
- Resource Categories: Running a Business
---

- Published: 2019-05-09
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/does-it-make-sense-for-my-business-to-prepay-a-loan
- Resource Categories: Running a Business, Small Business Financing
---

> Tis the season to show your employees you care. The holiday season bring out the warm and fuzzies no matter which holiday people are celebrating. If you

- Published: 2018-11-28
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/the-pros-and-cons-of-small-business-holiday-bonuses-gifts-parties-and-time-off
- Resource Categories: Running a Business, Small Business Financing
---

> I banked with them for so long, and they knew how much money I had! It was very frustrating. But then I found OnDeck and they took me on.

- Published: 2018-07-24
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/meadowlark-home-care
- Resource Categories: Running a Business
---

- Published: 2017-08-30
- Modified: 2025-10-14
- URL: https://www.ondeck.com/resources/online-small-business-resources
- Resource Categories: Running a Business
Small and medium-sized businesses (SMBs) know how to stretch a dollar to make it go as far as possible. Whether you’re bootstrapping your business on your own or gearing up

---

- Published: 2017-08-30
- Modified: 2025-11-06
- URL: https://www.ondeck.com/resources/small-business-smaller-budget
- Tags: No Archive
- Resource Categories: Running a Business
The rate of small business failure is trending downward, Entrepreneur reports. Part of this trend stems from savvy business owners who do their homework before putting

---

- Published: 2017-07-11
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/loan-application-denied
- Resource Categories: Small Business Financing
If you've ever asked the question, "Why was my loan application denied?" Check out this list of answers and the actions you can take to improve the odds.

---

> What is equity financing and does it make sense for my business? What types of equity financing is available and what businesses that have the most success?

- Published: 2017-07-11
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/understanding-equity-financing
- Resource Categories: Small Business Financing
What is equity financing and does it make sense for my business? What types of equity financing is available and what businesses that have the most success?

---

> Tips for Making Smart Inventory & Equipment Purchases: An Interview with RT Custer, Co-Founder of Vortic Watch Company Let me introduce you to the

- Published: 2017-04-24
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/small-business-success-vortic-watch-company
- Resource Categories: Running a Business, Small Business Financing
---

> Many business owners consider taking on a business partner a good idea. Is it right for you and your business? Here are some pros and cons to consider.

- Published: 2016-07-29
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/the-pros-and-cons-of-taking-on-a-business-partner
- Resource Categories: Running a Business
---

- Published: 2016-07-13
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/a-guide-to-ondeck-business-credit-reporting
- Resource Categories: Small Business Financing
---

- Published: 2016-06-27
- Modified: 2026-01-06
- URL: https://www.ondeck.com/resources/14-questions-you-should-ask-before-you-get-a-small-business-loan
- Resource Categories: Running a Business, Small Business Financing
---

> This is a sponsored post written by me on behalf of On Deck Capital, Inc. My passion is business, and I am especially passionate about helping

- Published: 2015-12-21
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/barbara-corcoran-seal-of-approval-contest-winners
- Resource Categories: Running a Business
---

> A sign with opening hours is one of the fixtures of a small business storefront. But “open” and “closed” are not quite as black and white as they appear

- Published: 2015-12-16
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/open-or-shut-how-small-businesses-owners-pick-business-hours
- Resource Categories: Running a Business
---

> 40 percent of shoppers start their holiday gift buying before Halloween. If your customers are ready for Santa in October, should you be too?

- Published: 2015-11-11
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/when-should-small-businesses-decorate-for-the-holidays
- Resource Categories: Running a Business
---

> Have you heard of loan stacking? If you’re unfamiliar with the term, loan stacking is where a loan or cash advance is approved on top of a loan or advance

- Published: 2015-10-12
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/loan-stacking-bad-business
- Resource Categories: Small Business Financing
---

> Working with a partner has it rewards and its challenges—you might not always agree. So here are 4 rules for handing conflicts with your business partner.

- Published: 2015-05-06
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/4-rules-handling-conflicts-business-partner
- Resource Categories: Running a Business
---

> There are times when a small business owner can't wait weeks or months to find a loan for his or her business—they need a fast business loan.

- Published: 2015-05-05
- Modified: 2025-02-04
- URL: https://www.ondeck.com/resources/fast-small-business-loans-2
- Tags: No Archive
- Resource Categories: Small Business Financing
---

> If you’ve put your faith in what I call the “Myth of the Shark Tank,” you may be surprised at where most start-ups get cash to start...

- Published: 2015-03-23
- Modified: 2022-11-11
- URL: https://www.ondeck.com/resources/startups-really-get-money-start
- Resource Categories: Small Business Financing
---

> How do you compensate a sales team? Salespeople can make or break your business. But knowing how to property incentivize them can be tricky.

- Published: 2015-02-27
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/pay-salespeople
- Resource Categories: Running a Business
---

- Published: 2015-02-17
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/5-business-types-perfect-crowdfunding
- Resource Categories: Small Business Financing
---

> Creating successful relationships with vendors is every bit as important as the relationships you build with your customers.

- Published: 2014-12-05
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/leverage-vendor-discounts-increase-profits
- Resource Categories: Running a Business
---

> You might be surprised to learn there have been several US Presidents who ran small businesses —in addition to President Trump. Here are seven more.

- Published: 2014-11-26
- Modified: 2023-05-16
- URL: https://www.ondeck.com/resources/7-u-s-presidents-never-knew-ran-small-businesses
- Resource Categories: Uncategorized
---

- Published: 2014-11-14
- Modified: 2026-04-07
- URL: https://www.ondeck.com/resources/8-celebrities-youll-surprised-know-small-businesses
- Resource Categories: Uncategorized
---

> Small businesses like to be recognized by their customers. These 5 small business compliments, tell you your business is heading in the right direction.

- Published: 2014-04-18
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/5-best-compliments-hear-small-business-owner
- Resource Categories: Running a Business
---

> Social media offers businesses massive opportunities. It's a low-cost way to promote your business, engage consumers, and maximize your company's online

- Published: 2014-04-17
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/social-media-best-practices
- Resource Categories: Uncategorized
---

> Our small business resource center features hundreds of informative articles written by industry experts. Topics range from building credit to small business insights and beyond.

- Published: 2014-03-05
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/merchant-cash-advance-2
- Tags: No Archive
- Resource Categories: Small Business Financing
---


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## llms-full

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