1
We Actually Want To Lend To Small Business
2 Copyright 2012 On Deck. All rights reserved.
Copyright 2013 On Deck. All rights reserved.
About OnDeck
First online, real-time platform for Main Street business lending
$850M+ in capital delivered to small businesses nationwide
100%+ year-over-year revenue growth
Led by proven tech entrepreneurs and industry veterans
Board of directors includes:
Jim Robinson III (former Chairman / CEO of American Express)
Ron Verni (former CEO Peachtree Software / Sage Software)
David Hartwig (Managing Director, SAP Ventures)
3 Copyright 2012 On Deck. All rights reserved.
Copyright 2013 On Deck. All rights reserved.
OnDeck Small Business Loan Products
OnDeck provides capital in all 50 states
Product*
Business Credit
Reporting
Amount Term (Mo.) Funding
Statements
(Mo.)
Repayment
Standard Yes $5K - $250K 3 18 Same Day 3 Bank/CC Daily ACH
*Borrowers are underwritten across all loan products and approved for maximum amount and longest term
On Deck Originations Across the US
Loan Features
10 minute application
Instant decisions & same day funding
Automatic repayments and renewals
Exceptional borrower experience
4 Copyright 2012 On Deck. All rights reserved.
Copyright 2013 On Deck. All rights reserved.
Real-time Deal Management
Key Features:
Paperless deal submission
Credit director tells partners instantly
if deal is qualified for OnDeck
Document submission and tracking
Pipeline reporting
Deals dashboard
User hierarchy for partner sales
forces
Renewal tracking and one-click
initiation
Marketing resources
Loan adjustment requests
Deal notes
Online partner portal for OnDeck partners enabling scalable distribution of
loans and partner self-service.
5 Copyright 2012 On Deck. All rights reserved.
Copyright 2013 On Deck. All rights reserved.
OnDeck Advantage
True Business Loans, NOT Merchant Cash Advances
Approvals within 4 6 hours, funding via wire same day
Dedicated Account Manager to support your team
Buy rate commission structure you set your commission on every deal!
Fixed interest and Fixed payment product
Merchant will never change credit card processor
Ability to lend in all 50 States to over 700 different industries
OnDeck reports back to the bureaus on successful repayment
6 Copyright 2012 On Deck. All rights reserved.
Copyright 2013 On Deck. All rights reserved.
Unlike FICO, OnDecks scoring model is comprehensive, cash-flow based and
incorporates numerous factors driving business performance
Cash flow elements are collected / proprietary to OnDeck & relate to deposit
activity, verified annual revenue, and credit card volume
OnDeck Score Components vs. FICO Score
Payment
History
Amount
Owed
Length of
Credit History
New Credit
Types Credit
Used
FICO
Financial
Information
Non-
Financial
Information
Trade
Information
Public
Record
Business
Attributes
Cash Flow
OnDeck Score
7 Copyright 2012 On Deck. All rights reserved.
Copyright 2013 On Deck. All rights reserved.
OnDecks API for your website
Your Website
OnDeck
Technology
Platform
Instant Pre-
Qualification
Your Sales Team
API = Application Programming Interface. On Decks API provides a system-to-system connection to the On Deck platform.
Integrated access to the On Deck platform for those who serve Main Street
Instant prequalification
Application submission
Integrated customer experience
