Growth partnerships OnDeck is actively expanding through strategic partnerships (e.g., Fingercheck) which signals openness to co-marketing and integrated offerings with payroll, HR, and fintech platforms. Target similar fintech, payroll, and POS providers to broaden reach and generate referral or integrated lending solutions for small businesses.

SME credit focus The company emphasizes assessing actual performance rather than owner credit scores to expand responsible credit access to small businesses. This presents an opportunity to cross-sell analytics-driven lending products, credit assessment tools, or data enrichment services to SMBs seeking faster, systems-driven financing.

Tech-enabled lending A modern tech stack and data-driven approach indicate a preference for scalable, API-friendly solutions. Propose integration-ready loan origination, risk scoring, or data analytics partnerships with seamless API connections to fit OnDeck’s tech-forward lending model.

Brand credibility Recognition as a top small business loan provider and recent visibility through Forbes Advisor enhances trust with SMBs. Leverage this credibility to offer value-added services (compliance, security, or advisory offerings) to strengthen onboarding and retention strategies.

Growth potential Large funding base and revenue scale within the SMB lending space, coupled with ongoing expansion activities and media presence, suggest opportunities for upsell of higher-value financial products (line of credit, faster funding options) and co-branded marketing campaigns targeting growth-oriented small businesses.