OnDeck Capital gave me a rate that was 2 point shigher than what I got from my bank, so they do have somewhat of a competitive rate. I would expect that it would have been significantly lower since they are online and they do not have the overhead big banks do. I compared their rates to lending club and kabbage and their rates were almost exactly the same. I would give OnDeck Capital a try and see their rates, but you still should check with traditional banks as well and let them know what OnDeck gives you as a rate.
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