OnDeck

OnDeck is a small business lending platform that provides partner APIs for submitting loan applications, checking business health scores via the OnDeck Score, managing loan products including term loans and lines of credit, and processing repayments. The API enables banks, brokers, and online service providers to embed OnDeck lending capabilities directly into their own platforms through credit pre-qualification, pre-approval, and full loan application submission workflows. OnDeck is an Enova International brand serving 185,000+ small businesses with $25 billion+ in capital delivered.

OnDeck publishes 1 API on the APIs.io network. Tagged areas include Small Business Lending, Fintech, Loans, Credit Scoring, and Business Health.

OnDeck’s developer surface includes signup flow, support, documentation, engineering blog, pricing, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub

30.7/100 thin ▬ flat Agent 3/100 human only saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

1 APIs

Small Business Lending Fintech Loans Credit ScoringBusiness HealthTerm LoansLine of CreditLoan Origination

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 30.7/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 12.5 / 17

Operational Transparency 3.5 / 11

Contract Governance 0.0 / 10

Discoverability 6.5 / 9

Regulatory Posture 3.8 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Health regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/ondeck: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

OnDeck Lending API

REST API providing partner access to OnDeck's small business lending platform, supporting credit pre-qualifications, loan application submission, business health score retrieval...

Pricing Plans 1

Published pricing tiers and plan structures.

Ondeck Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Ondeck Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Ondeck Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Ondeck Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Ondeck Vulnerability Disclosure

Hackerone

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 3

Authentication, authorization, and security posture

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

Support

Support

Community

Community

RateLimits

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

TermsOfService

PrivacyPolicy

Pricing

Plans

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: ondeck
name: OnDeck
description: OnDeck is a small business lending platform that provides partner APIs for submitting loan applications, checking
  business health scores via the OnDeck Score, managing loan products including term loans and lines of credit, and processing
  repayments. The API enables banks, brokers, and online service providers to embed OnDeck lending capabilities directly into
  their own platforms through credit pre-qualification, pre-approval, and full loan application submission workflows. OnDeck
  is an Enova International brand serving 185,000+ small businesses with $25 billion+ in capital delivered.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/ondeck.png
url: https://raw.githubusercontent.com/api-evangelist/ondeck/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
tags:
- Small Business Lending
- Fintech
- Loans
- Credit Scoring
- Business Health
- Term Loans
- Line of Credit
- Loan Origination
apis:
- name: OnDeck Lending API
  description: REST API providing partner access to OnDeck's small business lending platform, supporting credit pre-qualifications,
    loan application submission, business health score retrieval via the OnDeck Score, loan product management, and repayment
    processing. Access is granted to qualified lending partners and distribution partners.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ondeck.com/partner
  baseURL: https://api.ondeck.com
  tags:
  - Small Business Lending
  - Loan Application
  - Credit Pre-Qualification
  - Business Health Score
  - Repayments
  properties:
  - type: Documentation
    url: https://www.ondeck.com/partner
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/ondeck/refs/heads/main/plans/ondeck-plans-pricing.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/ondeck/refs/heads/main/rate-limits/ondeck-rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/ondeck/refs/heads/main/finops/ondeck-finops.yml
common:
- type: Security
  url: https://www.ondeck.com/security-policy
- type: LLMsTxt
  url: llms/ondeck-llms.txt
- type: TermsOfService
  url: https://www.joinodf.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.joinodf.com/privacy-policy
- type: SignUp
  url: https://form.fillout.com/t/x2fuWdEqkSus
- type: Support
  url: https://admissions.joinodf.com/
- type: Community
  url: https://community.joinodf.com/
- type: VulnerabilityDisclosure
  url: security/ondeck-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/ondeck-domain-security.yml
- type: Website
  url: https://www.ondeck.com/
- type: Documentation
  url: https://www.ondeck.com/partner
- type: LinkedIn
  url: https://www.linkedin.com/company/ondeck/
- type: X
  url: https://twitter.com/OnDeckCapital/
- type: Blog
  url: https://www.ondeck.com/resources
- type: Pricing
  url: https://www.ondeck.com/partner
- type: Plans
  url: https://raw.githubusercontent.com/api-evangelist/ondeck/refs/heads/main/plans/ondeck-plans-pricing.yml
- type: RateLimits
  url: https://raw.githubusercontent.com/api-evangelist/ondeck/refs/heads/main/rate-limits/ondeck-rate-limits.yml
- type: FinOps
  url: https://raw.githubusercontent.com/api-evangelist/ondeck/refs/heads/main/finops/ondeck-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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