Prime Restaurant Capitalvs OnDeck

Side-by-side comparison of funding range, qualification requirements, speed, and documentation. All competitor facts cited from OnDeck's publicly stated requirements as of May 2026.

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Criteria
Prime Restaurant Capital
OnDeck
Funding range / Maximum
Prime Restaurant CapitalUp to $5,000,000
OnDeck$250,000 term loan / $100,000 line of credit
Minimum monthly revenue
Prime Restaurant Capital$20,000/mo
OnDeck$100,000/year (~$8,300/mo)
Minimum credit score
Prime Restaurant CapitalFICO 500+
OnDeckFICO 625+
Minimum time in business
Prime Restaurant Capital6 months
OnDeck1 year
Speed to funding
Prime Restaurant Capital24 hours
OnDeckAs fast as same-day, typically 1-3 business days
Documentation required
Prime Restaurant Capital3 months bank statements
OnDeckBank statements + business details
Collateral required
Prime Restaurant CapitalNot required
OnDeckGeneral business lien (UCC blanket)
Products offered
Prime Restaurant CapitalWorking Capital, LOC, Equipment, Term Loans, Revenue-Based, SBA
OnDeckTerm loans, business lines of credit

Why operators choose Prime Restaurant Capital

  • Lower minimum credit threshold (FICO 500+ vs higher requirements elsewhere)
  • Faster typical funding timeline (24 hours vs days)
  • No collateral required on most products
  • No tax returns or business plan needed — just 3 months of bank statements
  • Six funding products available — find the right structure for your need
  • Restaurants, bars, food trucks, catering — restaurant specialty

What OnDeck brings to the table

OnDeck is a US business lender owned by Enova International, offering term loans and lines of credit primarily through online application.

Source: https://www.ondeck.com

Ready to See What You Qualify For?

5-minute application. Soft credit pull (no impact). Decision in hours, funded in 4.

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Comparison facts about OnDeck are sourced from https://www.ondeck.com and other publicly available materials as of May 2026. Information may have changed since publication. OnDeck is a registered trademark of its respective owner; this page is an independent comparison and is not affiliated with or endorsed by OnDeck. Loan terms, rates, and approval criteria for Prime Restaurant Capital vary by application and underwriting; see /apply/ for live qualification.

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