OnDeck plans to essentially continue to double down on small business lending, a sector online marketplace lenders and investors consider to have substantial growth potential, rather than seek to diversify into consumer, auto, or other types of lending. Breslow called OnDeck's in-house small business credit scoring system "our core competency," adding that he viewed it less as competition to the banking industry and more as a complement. OnDeck already partners with BBVA and Bank of Montreal Harris on loan origination. The company is in talks to partner with more banks, but wouldn't say which ones.