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OnDeck Alternative · 2026

The Best OnDeck Alternative for Contractors

Looking beyond OnDeck? Here's how Funded Contractor Capital compares for contractors.

Short answer: OnDeck is an online lender offering short-term loans and lines of credit to small businesses. Contractors that want faster funding, more product options, or approval with lower credit compare alternatives. Funded Contractor Capital offers up to $5,000,000 across working capital, equipment, lines of credit, and revenue-based funding, accepts FICO 500+, and funds in 24 hours.

Reviewed by the Funded Contractor Capital Funding Team · Updated July 2026

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

Funded Contractor Capital vs OnDeck

Independent comparison based on publicly available information as of 2026; figures vary by underwriting.

CriteriaFunded Contractor CapitalOnDeck
Maximum fundingUp to $5,000,000Varies
ProductsWC, equipment, LOC, RBFTerm loan, LOC
CreditFICO 500+Typically 625+
Speed24 hours1–3 days

Why contractors choose us

  • Underwritten on deposits, not the contract
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Multiple products for contractors
  • Fixed payments OR revenue-share
  • No tax returns — 3 months of bank statements

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Why look for an OnDeck alternative?
Common reasons include a lower credit requirement, more product options, or revenue-based repayment.
How fast can I get funded?
Most contractors fund within 24 hours of approval; smaller amounts can fund the same day. The application takes about 5 minutes with a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and bank-deposit consistency.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

Get more than OnDeck offers

Apply in 5 minutes with a soft credit pull.

Apply Now →

This is an independent comparison based on publicly available information about OnDeck as of 2026; features and terms may have changed. Funded Contractor Capital is not affiliated with or endorsed by OnDeck. Product and company names referenced are the property of their respective owners. Funded Contractor Capital terms are set at application.