In-Depth Analysis

One Park Financial Review 2024

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Written By
Julija A.
August 11, 2023
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

For business owners, access to funding is essential. Having the right credit score can make securing funds simple, but there are many business owners who don’t qualify for traditional loans.

One Park Financial funding helps small-business owners who need funding fast. The company has teamed with more than 20 lending partners to create a lending network that focuses on getting the working capital you need by prequalifying your business in just minutes and dispensing funds in as little as 72 hours.

Loan Amounts
$5,000 - $750,000

APR range N/A

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

$5,000 - $750,000
Only loan fees
At least 3 months
$5,000 per month
6 to 12 months
72 hours
All 50 states + DC
pros thumb up Strengths
  • Qualification decisions in less than 24 hours
  • Funding in as little as 72 hours
  • Hassle-free process
  • No collateral required
  • No business plan required
  • Free, no obligation prequalification
  • Low competitive rates
  • Poor credit, including bankruptcies and tax liens, accepted
pros thumb up Weaknesses
  • Potentially high factor rates
  • Opaque terms and fees

One Park Financial Overview

The core idea of the One Park franchise system is the belief that every business should have ready access to working capital, just as big corporations do. To achieve that goal, One Park works with a large network of lenders who offer flexible financing and funding options to small and mid-sized businesses.

One Park is expert at pairing your business with the right funders. It has helped business owners receive funding from $5,000 to $75,000 for every business purpose you can think of – from expansion to paying taxes.

Using an automated process to prequalify your business, One Park Financial evaluates your company’s creditworthiness in a matter of minutes and provides personalized service every step of the way. Rather than going through a tiring and lengthy application process to secure a traditional bank loan, business owners can turn to the One Park small business loan network, an online marketplace of more than 20 lenders.

There are multiple working capital options to choose from, but One Park Financial primarily advertises revenue-based funding. While qualifying for this type of funding seems easy, there are daily repayments and high fees you should keep in mind.

Keep reading through our One Park review to learn more about One Park Financial’s products and determine if this type of funding is the right fit for your business.

How One Park Financial Compares to Other Lenders

One Park Financial Logo
One Park Financial
APR Range


Min. Credit Score


LoanBuilder Logo
APR Range

24.83% - 49.94%

Min. Credit Score


Fundera Logo
APR Range

3% - 30%

Min. Credit Score


One Park Financial Financing Options

Through One Park Financial’s network of lenders, you can receive a loan of $5,000 to $750,000 to use for any business purpose. Because One Park works with multiple funders, One Park terms and fees vary.

Merchant cash advances make up the bulk of One Park’s business. While most lenders offer merchant cash advances for companies with a credit score of 600 or higher, One Park will help you get small business financing even if your company’s credit rating is in the “bad” range.

This is mainly because One Park Financial and its associated lenders place more weight on your business’s cash flow than on your credit score. Businesses with less-than-perfect scores may qualify for One Park loans, and One Park’s lending partners will not require your business to pledge personal collateral.

This funding option is available to American businesses in any of the country’s 50 states, and businesses can repay merchant cash advances early if they wish.

One Park Financial Application Process

When it comes to qualifying for short terms loans for bad credit companies at One Park Financial, you will find a refreshing relief from the paperwork often associated with borrowing. Every applicant can choose between making a phone call or filling in an application online. The phone call makes the process simpler if you have questions, but the One Park online application is faster.

The one-page application for prequalification takes five minutes or less and requires minimal information. Once One Park has your prequalification data, it can begin matching you up with an appropriate lender.

As soon as your application for a small business loan is completed, you will be connected with a funding expert who will help you through every step of the process. Some funders may require you to submit additional documentation, including proof of ownership or tax returns, but in most cases an application, bank statements, a voided check, and a copy of your driver’s license are all you need to get funded.

Once all documentation has been submitted, you can expect One Park loan funds to be distributed within three business days following loan approval.

What Information Do I Need to Apply?

Everything about applying for funding through One Park Financial is simple. The application has very little paperwork, and business owners can handle everything online. For the One Park online application, you must fill out a one-page prequalification assessment that takes just five or 10 minutes. One Park will ask you to provide minimal information:

  • Business name
  • Date of incorporation
  • Estimated gross monthly sales
  • Contact information

Once the form is submitted, you will be contacted by a funding expert whose job is to walk you through the steps required to secure funding for your business.

At this point, you will be connected with a lender. You will need to provide:

  • A copy of your driver’s license
  • A few months of bank statements
  • A copy of a voided check
  • Some other lender-specified documentation (possibly)

Because One Park small business loans are secured by 20 different lenders, there is a range of requirements. One Park accepts businesses from a range of industries that have been in operation for at least three months.

In-Depth Presentation of One Park Financial Features

One Park Financial offers multiple working-capital options to provide funding to business owners who don’t qualify for traditional loans. The company primarily offers revenue-based funding to small and mid-size business owners.

Revenue Based Business Funding

One Park financing options include two kinds of revenue-based funding: fast and premium.

Both methods of borrowing working capital work like a business cash advance. You get fast access to the funds you need. Payment schedules and amounts are calculated by the lender according to various factors.

  • Funding from $5,000 – $750,000
  • No personal collateral is required
  • Poor credit scores are accepted
  • Qualification in minutes
  • Low document requirements
  • Funds available in as little as three days
  • Affordable payments

Eligible and Non-eligible Businesses

One Park small business funding helps business owners by providing accessible and flexible financing options. That includes setting minimum qualification requirements, and offering a wide variety of funding options.

Thanks to a large network of funders, even bad credit small businesses can be prequalified and paired with the right lender. One Park greatly reduces the hassles and hurdles associated with traditional bank financing, but there are some requirements to be met:

  • One Park Financial business loans accepts applicants who have been in operation for at least 3 months
  • Prospective borrowers must earn $5,000 or more per month
  • Even prospective borrowers with bad credit may still qualify
  • Business owners can apply at no charge with no risk or commitment prior to accepting the loan
  • One Park accepts businesses from a range of industries

Note that the One Park revenue requirement is different in California, where $12,000 monthly revenue is required. Also, One Park Financial states on its website that it is currently not accepting new applications from businesses based in California.

Loan Amount and APR

Through the One Park network of lenders you can secure funding easily, sidestepping tiring banking procedures. Your working capital can be used for a variety of purposes like payroll, paying taxes, repairs, expansion, or inventory.

Because One Park loans use 20 lenders, loan terms and fees can vary significantly.

One Park Financial Repayment Terms

With One Park Financial small business funding, small-business owners can shop for the best rates and terms throughout the One Park Financial marketplace. Businesses can avoid traditional bank loans with fixed rates and review alternative loan proposals before accepting a loan.

Prospective borrowers should know what to expect from this type of funding: One Park’s website presents scant information on terms and fee rates. Applicants may not become aware of One Park rates and the total cost of borrowing until after an application has been submitted.

Loan rates and fees vary from lender to lender, and depend on factors like gross monthly revenue, time in business, and industry. The lack of specific information on the One Park website may be inevitable in a marketplace that brings together so many lenders with different costs and terms. But borrowers should always read the fine print carefully.

Prospective borrowers can expect a repayment period of six to 18 months, or three to 18 months for merchant cash advances. There is also a One Park flat fee that is calculated on a case-by-case basis. One Park charges an origination fee to its lenders, and does the same for applicants once they have accepted a loan.

You should read proposed lending agreements carefully so you are aware of late fees, prepayment penalties, and other details. In most cases, daily or weekly loan payments will be deducted automatically from your business bank account.

The Bottom Line

We’ve looked around the internet and found mostly good opinions of the One Park franchise. Former borrowers praise One Park’s sincere concern for small business owners across the country. Also, One Park Financial earns a Better Business Bureau A+ rating based on its track record of providing service to years of satisfied borrowers.

If you are facing challenges to keep your business upfloat, One Park is a reputable online funding alternative that offers you a fast way of applying for small business loans combined with convenient personalized service.


When was One Park Financial founded?


One Park Financial was founded in 2008, and two years later it joined with a network of 20 lenders who provide a wide variety of financing options.

Who is One Park Financial’s CEO?


One Park Financial’s CEO is John Lie-Nielsen.

How much revenue does One Park Financial generate?


In 2021, One Park Financial generated $66 million in annual revenue.

What are One Park loan requirements?


One Park provides a variety of funding options to small and mid-size businesses. Borrowers get qualified in minutes and funded in days after meeting minimum qualification requirements: Business in operation for three months or more; Monthly business revenue of $5,000 or more; Business credit score of 450 or higher. One Park works with companies in most industries; Poor credit, including bankruptcies and tax liens, are accepted.

Is One Park safe?


One Park Financial has strict privacy policies, and the information the company collects may be used for marketing purposes and improving the operations of One Park’s website. This is a reputable team of funding specialists who have long experience in providing funding for business owners across the country. One Park is accredited with the Better Business Bureau and has a rating of A+.