When you submit to OnDeck via API, MCA Pilot automatically submits the deal info, uploads the App and Banks, and brings the response straight into the deal — including declines and Offers.
For the standard API setup flow shared by all funder integrations, see Set up a funder API integration. This article covers OnDeck-specific details.
Tip: If you hover over the Submission, you'll see an Open in OnDeck button that opens the Submission directly in your OnDeck portal.
Before you begin
Contact Jack Scafuri at [email protected] to request API credentials and development access.
Click here to email Jack Scafuri at OnDeck to request API credentials.
Connect the API in Development
In MCA Pilot, go to the Funders page and create or click into OnDeck.
Open the Submission Method tab and click Edit in the top right.
Choose API Integration as the Submission Method.
Select OnDeck for API Funder and Development for API Environment.
In the API Key field, enter your API key, username, and password separated by commas, for example:
123,[email protected],fBqRP*VEMm
Test the integration
Submit a test deal that includes all required info and files.
Hover over the submission on the deal page and click Open in OnDeck to open it in your OnDeck portal.
If the test is successful, copy the Response and email it to Jack asking to move to production.
Switch to production
Wait for OnDeck to send your production credentials.
Return to the OnDeck funder page, open Submission Method, and click Edit.
Replace the API Key with your production credentials.
Change API Environment to Production and save.
Required fields
Business info (including EIN)
Owner info (including phone)
Revenue and balance (at least 1 Statement record in the Underwrite tab with Total revenue and Average daily balance filled out)
App and banks (not required, but recommended)
The statement data is populated by AI Underwriting. If you uploaded bank statements manually inside MCA Pilot, go to the Underwrite tab and click AI Underwriting, then wait for the status to show Complete. If statements arrived through your application form integration, AI Underwriting runs automatically.
Note: If an API Submission errors, hover over the Submission and click View error to see what's wrong. You can just fix it and resubmit.
Troubleshooting
Credentials are rejected or login fails
The API Key field must contain exactly three comma-separated values with no extra spaces: your API key, your username, and your password. If OnDeck rejects the login, copy the credentials directly from the email OnDeck sent and paste them into the field to avoid typos.
Production handoff does not work
Switching to production requires more than replacing the API key. OnDeck also changes the endpoint path and the encrypted password. Confirm all three changes with your OnDeck contact before you test the first production deal:
Replace the API Key with your production credentials.
Change API Environment to Production.
Verify with OnDeck that the endpoint path no longer includes
.stagingand that you are using the production password they provided.
Submission fails with missing fields
OnDeck requires the following fields. If any are blank, the submission will error:
Business info including EIN
Owner info including phone
At least one statement record in the Underwrite tab with Total revenue and Average daily balance filled out
Fill in the missing values on the deal, then resubmit.
Submission still errors after fixing fields
If the submission still errors after you correct the fields, hover over the submission and click View error to see the exact message. Common causes are an invalid phone number format, a missing App or Bank file, or a statement record that has not finished AI Underwriting. Wait for AI Underwriting to show Complete, then try again.
Negative average daily balance
MCA Pilot defaults a negative average daily balance to $0 for OnDeck submissions. If you need to correct the value manually before submitting, go to the Underwrite tab, open the statement record, and edit Average daily balance.
Support
If you have a question or run into any issues, please respond directly in the chat or contact +1 888 501 1477 for the fastest response.