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OnDeck, a small business lending company that was founded in 2007 and is currently located in New York City, New York, provides all types of financing types to small businesses across the country. Short-term loans, of which you can find simple interest rates from as low as a flat nine percent, derived from OnDeck that are intended for small businesses have loan terms ranging from three to 12 months. Long-term loans, which are offered to small businesses with annual interest rates of 9.99% or greater, last anywhere between 15 and 36 months. OnDeck also is liberal in its approval process for lines of credit, which can range up to $100,000 at APRs from 13.99%, intended for use by small businesses.