I haven't worked with On Deck in over a year and am all the better for it. They outright lied to me on a number of occasions and cost themselves because of their greed. Understand that who ever you deal with has at the top of their list to get you as low a commission as possible. There are enough lenders out there willing to work with you and have your business. I'd advocate staying away from the larger ones as much as you can. Their so at-war with each other that they'll screw you however they can. And for $50.00 to maybe nothing, you can always file a small claim to get the rest of your money. I've had to do this and they don't want to touch the courts.