One Park Financial Business Loans Reviews [2024 Update!]

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Written By Adeyemi Adetilewa

Keeping up with your competitors, both small and large comes off as a challenge for small business owners.

Effective cash flow and adequate funding will remain vital in the quest to take your business to the next level. Access to and proper management of business loans will do a world of good to your growth aspirations.

Acquiring the right business loans could be quite a challenge, you have to put into proper consideration the amount of money you need and when you need it. Your loan eligibility is also an issue. A good credit score and proper financial documentation on your part will do you some good.

With that being said, if you are ever in need of quick and hassle-free business loans online in the USA, then you should consider One Park Financial.

It could take weeks for a small business to get loan approval and being a small business, it may not be able to afford to wait that long as they are in urgent need of funds. One Park Financial makes acquiring small business loans as easy and as convenient as can be in the USA.

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One Park Financial Business Loans Review

One Park Financial has taken it upon itself to acquire small business loans online quickly and efficiently for small and medium-scale businesses.

As far as funding your business is concerned, One Park Financial gives you an equal chance with the rest of the pack by connecting your business to financiers who are in the business of working with small or medium-sized businesses regardless of whether you have the perfect credit score or not.

Great news right?

Unlike other banks that demand adequate financial documentation and a perfect credit score, One Park Financial will work to get you the right funders pretty fast.

It doesn’t stop there. They will also guide you step by step through the process. This makes One Park Financial not just an average financial institution, but a partner, who genuinely is interested in the growth and success of your business.

One Park Financial has the vision to be an integral part of your business growth by making business loans easy for you to access. Their willingness to be involved in the whole mentoring and educative process also goes a long way to show they are sincerely on a mission to see your business succeed.

One Park Financial business loans are easy to access, efficient, transparent, and responsible. Besides making it quick, they make it fair as well.

Fast Small Business Loans Online: One Park Financial Review 2019

Why you should choose One Park Financial

As far as building and funding small businesses go, One Park Financial has decades of valuable experience. Your business will have its loan needs met thanks to its in-depth knowledge and vast network of funding sources.

Another reason to choose them is that they are an institution you can trust, having been given an A+ rating by the Better Business Bureau.

Positive online reviews will also do well to boost your confidence, as business owners have testified how One Park Financial has facilitated their businesses by giving them access to quick business loans.

If you are a small business owner who has had a bad credit history, then One Park Financial is the institution you should choose if you need a business loan.

They do not believe that a poor credit history should stop you from accessing a loan today. They strongly believe that your ability to repay your loan today is what counts, period.

How One Park Financial Loan Works

The long and exhausting process of applying for a bank loan is something many small businesses would like to avoid.

The thought of passing through the tiring loan application process and still facing the possibility of denial doesn’t do much to encourage either.

One Park Financial understands this and that is the reason why they are in the business of connecting small and medium-sized businesses to appropriate funders.

One Park Financial has been doing this since 2010 and from that time till today, they have made huge differences in the lives of small and medium-sized business owners across the United States of America.

With more than 20 funders in their network, their range of financing options stretches out wide. The demanding and sometimes unnecessary processing traditional banks are known for is eliminated with One Park Financial.

The application process is straightforward, just follow these four easy steps.

1. Apply online

5 minutes of your time (or less) is all that would be spent. The application form is pretty straightforward.

After it is filled out, then your funding process kicks off. No hassles!

2. Get pre-qualified

When the form is submitted, you will receive feedback letting you know if you’ve qualified for funding. After you are pre-qualified,  One Park Financial will help connect you to the appropriate financiers who are capable of meeting your loan needs.

3. Review your offers

Your application will be reviewed by the funding team, who will now pair your business with the right funders.

4. Get funded

If you accept the funding offer, the money will be disbursed and credited to your bank account. The funding process takes just three business days and you are up and running.

One Park Financial has made life easier for small business owners, they have shown that you don’t have to go through hell to be granted a business loan. They’ve made it simple and fast!

One Park Financial credit score requirements

One Park Financial acts as a broker connecting businesses with lenders rather than lending directly themselves.

The minimum credit score requirement to qualify for a loan through them is 500. However, it is important to consider a few additional factors:

  • This is the minimum requirement, and some lenders they connect you with may have higher standards.
  • They primarily focus on helping businesses with past credit challenges, so a 500 credit score is more likely to be acceptable than it might be for other lenders.

One Park Financial

One Park Financial Requirements

It takes only minutes for you to get qualified and disbursement is sorted out in a matter of days. One Park Financial considers the following when you apply for a business loan online:

1. Time spent in business

They work with businesses that have been in operation for at least 3 months.

2. Revenue

They work with businesses that generate gross monthly revenue of 2,500 US Dollars or more

3. Credit Score

A bad credit score won’t disqualify your business from accessing a loan. One Park Financial is considerate towards cases like these.

4. Industry

One Park Financial works with businesses that fall under a wide range of industries.

One Park Financial interest rates

One Park Financial doesn’t advertise its interest rates upfront on its website. This is because they act as a broker and connect businesses with various lenders, each with their rates.

Here are a couple of options to find out more about One Park Financial interest rates:

  • Contact One Park Financial: They can give you an idea of the range of interest rates offered by their lenders based on your business profile.
  • Check Reviews and Ratings: Existing customer reviews on platforms like Better Business Bureau might mention interest rates or fees. Keep in mind these might not be entirely accurate but can give you a general sense.

Fast Small Business Loans Online: One Park Financial Review 2019

Advantages of using One Park Financial for Business Loans

Here are some of the advantages of using One Park Financial business loans:

1. Easy process

The application process is really simple and fast. Only a little paperwork is required for you to get started. So there would be no need for you to stand in long banking hall queues when you apply for a business loan.

2. Saves time

Time is saved with One Park Financial, thanks to its fully automated online platform which ensures small and medium-sized businesses get positive results without taking much of their time.

The online application form is easy to understand and simple to fill out.

3. Finances from $5,000 – $750,00

One Park Financial can facilitate business loans online from a modest 5,000 dollars to as high as 750,000 dollars for your business. You can’t beat that.

4. Quick qualification decision

Unlike traditional banks that take weeks before deciding on whether you qualify for a loan or not, One Park Financial gives you a qualification decision in less than 24 hours.

They understand how urgent your business needs funding and they act accordingly.

5. Funding in 3 days

All it takes for your business loan to be disbursed is three business days (72 hours). Easy, fast, no hassles whatsoever.

6. No collateral is required for business loans

You do not need to present any collateral whatsoever when seeking a business loan through One Park Financial, none at all.

They understand that your ability to pay back your small business loan isn’t dependent on just the physical assets you have, but also on how well and smoothly your business is running.

They understand that proper cash flow is the key to running a successful business.

7. No business plan is required

One Park Financial won’t bother you regarding a business plan. It is not part of their criteria for loan eligibility.

8. Free

No application charges whatsoever, unlike many traditional banks.

9. Low competitive rates

One Park Financial is genuinely interested in seeing your business succeed. They consider themselves your business partners.

This is one of the reasons why the interest rates on repayment are very competitive. It’s a good bargain any day.

10. Poor credit history is not a problem

The fact that a business loan repayment didn’t go well in the past is not to say it won’t go well today or in the future.

They will not disqualify you or your business if you’ve had repayment issues from previous loans. Your business will also not be disqualified if it has filed for bankruptcy in the past.

They know that it is your ability to pay your business loan today that counts.

One Park Financial Review

FAQs (Frequently Asked Questions)

Here are some frequently asked questions about :

1. How do I apply?

This is quite simple and fast, it will only take 5 minutes of your time. All you need to do is call one of their funding experts and they will guide you through. You will also need to go online and fill out the simple application form.

2. Is the process difficult?

It seems like a daunting task to apply for a business loan. It could be scary and confusing at times. But One Park Financial will connect you to a funding expert who will see you through the whole process and guide you through the simple steps required.

They will also brief you on the options and loan offers you may get and then proceed to facilitate your funding.

3. What does it cost to apply?

There is zero application cost. No worries

4. What information do I need to provide?

The paperwork and information you will need to provide are minimal. A few months of bank statements, a copy of your driver’s license, and a copy of a void check are all that are needed.

However, in some special cases, the funders may ask for other materials such as proof of ownership or tax receipts, depending on the funder.

5. How long will it take to receive funds?

After your application is approved, your account will be funded within one to three business days. No hassles or delays.

6. What are the basic requirements?

Your business needs to have been in legitimate operation for at least three months and have a gross monthly revenue of at least 2,500 US Dollars. You also need a minimum of 450 credit scores.

If your case is unique, please feel free to contact one of their funding experts to be clear of the options available to you.

7. Any state restrictions?

No there isn’t. One Park Financial attends to small business loan requests from businesses spread out across all 50 states of the United States of America.

8. Will past bankruptcy cases affect my chances of being granted a loan?

No, it won’t. As long as you have no active bankruptcy case at the time of your loan application then you’re good to go.

9. Do I need to present personal collateral?

The majority of One Park Financial funding programs do not require you to present personal collateral.

10. Can I pay back merchant cases?

Yes, you can. The majority of the programs attract no penalties on early payments.

On the contrary, some will grant you a reduced payment amount in cases of early advance payments.

11. Do I have to accept credit cards?

No, this is not a requirement. Although there are credit card-focused programs, changing processors is hardly required.

12. Do they take my credit score?

The strength of your business is one of the most important factors they consider when you apply for a business loan. The underwriting process, however, looks into your credit score.

13. Do they offer business loans to start-up businesses?

It is required that your business must have been running for at least 3 months before you are considered for a loan.

However, if you are new in business and you meet the prerequisites, then contact one of the funding experts to explore the options available.

14. How long will I have to repay?

Different loan programs have different term lengths. A 6 to 12-month repayment period is typical with most programs.

15. How much funding can I get?

USD 5,000 to USD 750,000 is usually the funding range for most programs. Several other factors can determine how much money your business will be approved for.

Contact a funding expert for more information.

16. Any fees associated with the business loans?

Yes, One Park Financial will charge you a professional service fee, but only when you have been funded.

17. What type of fees would I be charged?

This is determined by several factors which include the time you’ve spent in business and your past earnings.

Some charges are based on a flat rate on the amount you are funded while some charges are based on a factor rate.

18. How secure is my personal and business information?

One Park Financial takes its client’s security very seriously. Be rest assured there will be no breach or leakage of your personal or business information to any irrelevant party. Thanks to their world-class data encryption technology.

One Park Financial interest rates


One Park Financial business loan requirements and processes will not stress you out, nor will it waste your precious time.

They are fair, fast, and considerate of your business loan needs. They understand more than anyone else that small businesses need business loans to function and thrive, and they need them fast.

They are genuinely interested in seeing your business boom. One Park Financial believes that your success is their success as well.

So if you are a small business owner and you are ever in need of easy-to-access business loans, then One Park Financial is where you should go!

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