Capital Gurus
Depends
Confidence: Medium
Solid fit for small businesses that need fast working capital and can't qualify at traditional banks.
Comparison
Capital Gurus vs OnDeck
Capital Gurus and OnDeck both land on Depends.
OnDeck
Depends
Confidence: Medium
Buy if you're an established small business that needs cash within a day and can't qualify at a bank.
| Compare | Capital Gurus | OnDeck |
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Small businesses needing fast working capital | Same-day cash needs |
| Who it's not for | Anyone wanting published rates before applying | Businesses that qualify for bank or SBA loans |
| Privacy | No public security page found; the site collects SSNs and estimated gross revenue during applications.11 | Published security policy and vulnerability disclosure program; no public CVEs, but breach and credential-leak signals exist. |
| Support quality | Good customer reviews; sales-side Glassdoor reviews weak | Trustpilot strong, Yelp weak . mixed |
| Public sentiment | Customer reviews skew positive across Trustpilot, BBB, and Yelp, though Reddit chatter mixes in skepticism of similarly named firms.¹ | Reviews split sharply: Trustpilot users praise speed and ease, while Yelp and Reddit threads focus on high costs.14 |
| Biggest gotcha | No published rates or fees; you learn the cost only after applying with SSN and revenue.10 | Short-term pricing can make effective APR far higher than advertised rates; Reddit cost complaints persist. |
Pick Capital Gurus when
- Small businesses needing fast working capital
- Borrowers with 500+ credit scores
- Contractors needing project financing
- Seasonal businesses with card sales
When Capital Gurus is not a fit
- Anyone wanting published rates before applying
- Strong borrowers with bank or credit-union options
- Startups with no revenue history
- People seeking investment returns; this is a business lender
Pick OnDeck when
- Same-day cash needs
- Businesses declined by banks
- Short-term working capital gaps
- Repeat borrowers wanting loyalty perks
When OnDeck is not a fit
- Businesses that qualify for bank or SBA loans
- Anyone wanting cheap, long-term financing
- Guess: startups with little or no revenue
- Borrowers sensitive to high effective APRs
Sources
- Capital Gurus Reviews | Trustpilottrustpilot.comreview
review
- CAPITAL GURUS - Yelpyelp.comreview
- Capital Gurus Sales Reviews | Glassdoorglassdoor.comreview
- Capital Gurus Review - TradersUniontradersunion.comreview
review
- Capital Gurus - Small Business Loans and Financingcapitalgurus.comofficial
- Capital Gurus - Business Lines of Creditfunding.capitalgurus.comofficial
- Partner with Capital Gurus: Earn up to 30% Commissioncapitalgurus.comofficial
- FAQ - Capital Guruscapitalgurus.comofficial
- Security pagecapitalgurus.comsecurity
news
official
- Trustpilot reviews of ondeck.comtrustpilot.comreview
- Yelp reviews of OnDeckyelp.comreview
review