One Park Financial Logo

Loan Amounts:


$5,000 – $500,000

Loan Term:


4–12 months

Min. Credit Score:





Professional service fee after approval

Editorial Rating

One Park Financial Review

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Loan Amounts:


$5,000 – $500,000

Loan Term:


4–12 months

Min. Credit Score:





Professional service fee after approval

Funding Time


1-3 business days

Founded in:



BBB Rating:



Min. Revenue:


$7,500 per month



All US states, except California

Repayment schedule:


Daily or weekly

One Park Financial Logo

Editorial Rating

Small businesses can’t always wait for the weeks it takes to finalize formal financing.

That’s when accessing a network of lenders becomes a handy option.

If you need:

  • To save yourself the legwork
  • A simplified online application process
  • Loan approval in principle within 24 hours
  • Funding within 72 hours
  • A loan from $5,000 to $500,000
  • A range of competitive funding offers
  • No collateral loans
  • Poor credit loans

One Park Financial might have the answer. Our research of the platform and all the One Park Financial Reviews we read suggest that the vendor offers working solutions for businesses in need of funding.

What Is One Park Financial?

Just as there are different types of personal loans, there are a variety of loan types for businesses. Securing a business loan can, at times, be challenging.

With banks, for example, it seems as though you seem to have to prove that you don’t need the money in order to qualify for a loan.

Other lenders might be a little more lenient, but businesses pay for this leniency. The estimated annual percentage rate of the loan, particularly without collateral, is typically far higher.

On the plus side, businesses have options. On the minus side, finding financing on favorable terms, can be challenging. You can find a good deal if you’re willing to put in a fair amount of effort. That is, if you have the time to look.

That’s where One Park Financial steps in – they do the work for you.

How does One Park Financial work?

The company acts as an intermediary between businesses and several different kinds of lenders. They have an extensive network of lenders on their books.

One Park Financial promises to help you find the best possible loan options.

Do they deliver?

We never take anything at face value, and so we decided to have our expert team test the company thoroughly. This comprehensive One Financial review is the result of our extensive research.

Who Is One Park Financial Best For?

Ready access to working capital isn’t always easy to come by for small to medium businesses. You could be going along pretty well, and boom, global pandemic. You might have the opportunity of a lifetime staring you in the face, but no cash to capitalize on it.

One Park Financial caters to small to medium businesses that need a quick cash injection. The basic requirements are:

  • At least 3 months in business
  • A minimum of $7,500 gross monthly income
  • A minimum credit score of 500

Notably, the company isn’t accepting new clients from California.

One Park Financial does not:

  • Offer startup capital for a brand-new venture – check out our Fundera Review to see your options there instead.
  • Give personal loans for good credit or any other form of personal loan services – see our Upgrade Review if you require personal financing.

What they offer in a nutshell

  • Quick financing for small to medium businesses
  • Capital injection loans and emergency funding loans
  • A simple pre-qualification service so that you don’t waste your time
  • Access to more than 20 funders for a broad loan range
  • Better access to financing for those with lower credit through marketplace platforms.

What are the capital injections loans like? Also known as a merchant cash advance (MCA), this type of funding works on factors to give you an injection of cash flow. The lenders look at the revenue that your business generates and assesses how much you can expect to receive over the loan term.

They’ll offer you a loan based on this income, rather than your business’s assets. Naturally, the business owner’s and the business’s creditworthiness comes into play. Unlike traditional financing options, though, the lenders place more emphasis on the current income the company generates.

Traditionally, this is something that not even the best personal loan companies will do.

As long as your business has a poor or higher credit score, you’ve got a chance. It’s a quick and straightforward option, with little paperwork.

How Do I Apply for a One Park Financial Loan?

To apply for the loan or see if you pre-qualify, visit the One Park Financial website.

Since this is very different from personal loans, you’ll need to provide details such as:

  • Basic personal and business info
  • Bank statements from a few previous months
  • Your monthly revenue
  • Consumer report
  • A copy of a driver’s license
  • A copy of a void check

Beware, there might be times when you’ll be asked for additional info. But, it depends on the lender, as well as the amount of money you want to borrow.

The company gives you an amount that you may qualify to borrow. This depends on the information that you provide, so make sure that it’s as accurate as possible. This amount is not guaranteed – the lenders themselves will need to decide what to offer you.

When you select the amount you want and the type of financing you’d like, One Park Financial will match you with the best large authorized lenders on their books. You’ll then be able to view loan offers from various lenders to get the best possible deal.

Terms & Requirements

The site acts as an intermediary, so the final terms will be laid out to you when you receive an offer. That said, the minimum requirements are:

  • Only businesses operating legally in the United States (excluding California)  and Puerto Rico may apply.
  • Minimum monthly revenue of $7,500.
  • Businesses must have run for at least three months
  • Neither the firm nor the owner can apply if they’re part of an active bankruptcy proceeding.
  • Applicants must have a minimum FICO score of 500.
  • To have a business checking account, and provide a voided check as proof of this.

User Reviews

The company started in 2010 and so is well-established. The One Park Financial BBB rating is A+. Additionally, it has an excellent rating on Trustpilot.

One Park Financial reviews are generally positive, with a few reviewers referring to them as one of the top loan connection companies.

If your business is looking for quick money loans, One Park Financial can certainly get you in touch with the right people. The company is also often lauded as the best comparison tool in terms of offers received.

The application process is simple, and you do get access to funding sources that you otherwise wouldn’t.

The downside to being able to borrow money online instantly, even with poor credit, is that it can be expensive.


One Park Financial allows companies to borrow money from unique lenders that have less stringent loan requirements. The loan amount, term, and loan agreement are all based on the company’s current performance.

Unlike with personal loans for bad credit, companies don’t have to provide collateral.

The quick process allows businesses to take full advantage of market place trends.

Rates & fees

Once approved, you’ll repay your MCA through daily or weekly ACH payments from your business checking account.

But you don’t get any of the rates and fees upfront. Usually, the fees vary and depend on a variety of factors. For example, lenders consider your company’s years of experience, past earnings, and the industry you operate in. Notably, some MCAs are based on a factor rate and others on a flat fee.

One more thing, you’ll need to pay One Park Financial a professional service fee. But this is only chargeable if your loan request is approved.

Privacy & security

Investigating data security forms is an important part of every lending platform review we make. One Park Financial takes the issue of privacy very seriously. High levels of encryption protect any personal data that you submit. It’s stored on secure servers, meaning that the chances of a breach are lower.

Customer support

You can contact customer support via phone during regular office hours. According to One Park Financial customer reviews, the agents are reasonably good and quick to answer.

Alternatively, you can contact the support via email. It typically takes a day to get a reply.

Final Verdict

Are there cheaper ways to borrow money online? Yes, but few are as convenient. If you’re looking for a fast, easy lending option for your business, One Park Financial does the legwork for you.

Business borrowers in the United States simply fill out a free application, choose the loan amount based on the offers they receive, and then spend the cash. As long as a business has a steady stream of income, it’ll receive multiple loan offers from some of the best available lenders.

You may not be able to find out a lot about the collection practices and loan renewal policies upfront, but you’ll find these laid out in full in the offers.

Overall we agree with the overwhelmingly positive One Park Financial reviews. The most important of the One Park Financial advantages is that the company has made an art form of convenient loan requests.


  • Provides advice from funding experts
  • Offers bad credit business loans
  • Limited potential impact on credit score
  • Suitable for small to medium businesses
  • No personal collateral required
  • Quick funding


  • The maximum loan amount of $500,000 might not suit all businesses.
  • You don’t get the rates and fees upfront.
  • The rates for bad credit business loans can be high.
  • Not a credible loan consolidation option due to the nature of the financing.
One Park Financial Logo

Editorial Rating


What are the basic requirements to get funded by One Park Financial?

One Park Financial is not a funding service but an intermediary. The company is strict about the applications it forwards to its funding partners. Your business must be running, with monthly revenue of $7,500 for at least three months. Your business should not be part of an active bankruptcy program, and your FICO score must be 500 or more.

Can you borrow startup capital?

Not typically. The company works with reputable partner lenders that seldom require collateral. In the absence of collateral, the lender needs to gauge the company’s performance. If you need startup money, you’re better off approaching:

– Venture Capitalists
– Angel Investors
– Crowd-funding and other forms of peer-to-peer lending
– A company such as Lendio

Is it difficult to get funded by One Park Financial?

The application process is simple. You’ll have an answer in principle within 24 hours. If you qualify in terms of this check, it’s simple to get finance. Since One Park Financial deals with a range of funding partners, your chances improve dramatically.

Is this the best way to borrow money?

No. It can be an expensive form of a loan. The implications of non-payment can have severe consequences for your business, so you must ensure that you can repay the money.

Do I pay an application fee?

No. One Park Financial only charges a professional service fee on successful applications.

How do I pay the One Park Financial loan back?

You’ll make payments directly to the lender. The One Park Financial reviews that we went through indicate that lenders usually arrange to take daily or weekly payments from your checking account.