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One Park Financial Reviews


bestfor-icon Small Business Funding Solutions

Written by Lendstart

About One Park Financial | Read More


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  • (866) 595-6506
  • 3390 Mary Street, Suite 216, Coconut Grove FL 33133
  • 8400 Belleview Drive Suite 225, Plano TX 75024
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One Park Financial Business Loans Review

Since its founding in 2010, One Park Financial works with more than 20 direct lenders to provide business owners financing solutions. Business financing includes small business loans, merchant cash advances, and equipment financing.

The company has established a solid reputation as a reliable, reputable lending partner in the United States and Puerto Rico. They work closely with business owners to help them grow and scale their businesses in whatever industry they’re in.

One Park Financial Business Loans Highlight


Min Credit Score


Loan Amount

3-12 months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

48 Hours

Funding Time


Annual Revenue

3+ Months

Time in Business

Pros & Cons

  • con-icon The entire process, from completing the initial application to receiving funds, is fast.
  • con-icon The company’s financial experts offer ongoing support to their customers, even after they’ve successfully received financing.
  • con-icon Even borrowers with bad credit may qualify for small business loans, equipment financing, and merchant cash advances through One Park Financial’s 20+ partners.
  • con-icon Up to $500,000 in financing is available to small and mid-sized business owners.
  • con-icon Most industries are accepted.
  • con-icon As a marketplace the exact terms, rates, and fees are not clearly disclosed until after completing an application.
  • con-icon Loan term length typically range from four to 12 months, which might be too short for borrowers of larger amounts.
  • con-icon Financing solutions are not available in California.
  • con-icon Although it’s possible to qualify with a closed bankruptcy or bad credit, these financing solutions may be more expensive.

Business Loan Types

  • Business Term Loan
  • Working Capital Loans
  • Equipment Financing
  • Term loans
  • Merchant Cash Advances
  • Startup Loans

One Park Financial Business Loans Terms & Requirements

One Park Financial strives to make getting business financing as simple as possible. Their lending partners work with business owners in many different industries throughout the entire United States (excluding California).

Financing options include small business loans, mid-sized business loans, merchant cash advances, equipment financing, purchase inventory financing, and more. To get a loan or merchant cash advance, borrowers must meet the following criteria:

  • Be in business for at least 3 months (startups OK)
  • Make $7,500 or more in gross monthly revenue
  • Have a personal credit score of at least 500
  • Have no active bankruptcies (past bankruptcy cases or foreclosure OK)

Most business financing options come with four- to 12-month terms. Loan amounts range from $5,000 to $500,000. Some options may have an origination fee or other lender’s fees.

Like other indirect lenders, One Park Financial does not specify the exact terms or rates for financing. Typically, borrowers will have to complete an application to learn what they qualify for.

How to Apply

One Park Financial’s application process is streamlined and can be done completely online. There is no fee to apply, but you will be charged a professional service fee once you secure funding through one of their partners. If you’re not sure which type of financing you need, you can speak with a funding expert for free before applying to learn your options.

To apply, you’ll need to create an account and provide the following information:

  • Completed online application with some personal and business-related information (ex. business name, launch date, industry, and type)
  • Several months’ bank statements
  • Personal credit score and report
  • Copy of your driver’s license
  • Void check
  • Recent years’ tax returns (in some cases)
  • U.S. tax identification number
  • Proof of U.S. citizenship or permanent residency (ex. green card)
  • Proof of business ownership

Applying involves a prequalification option that does not hurt your credit score. Some lenders will run a hard inquiry, which will affect your credit, when you choose one of their solutions.

After you apply, One Park Financial will submit your formal application to the best third-party partner in their network. The partner usually takes a few hours to decide whether they can work with you. If they approve your application, you could receive funding within one to three business days after closing the loan. You will also need to pay the service fee.

One Park Financial offers hands-on, ongoing support throughout the entire process. You can also contact them if you have any questions after receiving financing.

Qualification Requirements

  • U.S. citizen, permanent resident, or green card holder
  • 500+ personal credit score
  • $7,500+ gross monthly revenue
  • 3+ months in business
  • Proof of business ownership
  • Minimum age of borrower: 18

Required Information

To prequalify with One Park Financial, you’ll need to provide some personal and business information. This includes the business name and industry, as well as when you launched or acquired it. It also includes the business industry and type (ex. sole proprietorship or LLC). You can complete the prequalification process entirely online. It only takes a few minutes.

Application Steps & Time Frames

  • Complete the free online application on One Park Financial’s website to prequalify. This takes a few minutes.
  • One Park Financial will then send your information to one of its lending partners, who will review it and determine whether to approve or deny your application. This takes a few hours, on average.
  • Once approved, you’ll pay a one-time service fee and receive funds within a couple of business days. The time to funding is fairly standard in the industry.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Not Available - California

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What types of funding does One Park Financial offer?

One Park Financial offers a variety of funding options for small businesses, including business loans, merchant cash advances, and equipment financing.

How long does it take to get funding through One Park Financial?

The application process for funding through One Park Financial is designed to be fast and easy, and the company can provide funding in as little as 48 hours after the application is approved.

Is there any ongoing support provided by One Park Financial?

Yes, One Park Financial provides ongoing support to its clients to help them manage their funding and achieve their business goals. The company's team of experienced financial experts are available to help clients understand their funding options and make informed decisions about their financing.

Customer Support

One Park Financial offers a dedicated customer support team to assist their clients with any questions or concerns they may have. They are available to help customers understand their funding options and make informed decisions about their financing. The team is made up of experienced financial experts who are knowledgeable about the products and services offered by the company. They are committed to providing excellent customer service and ensuring that customers’ needs are met in a timely and efficient manner. Customers can reach the customer support team via phone, email, or through the company’s website. One Park Financial is dedicated to providing customers with the support they need to achieve their business goals.

Privacy & Security

One Park Financial is dedicated to protecting the privacy and security of its customers’ personal and financial information. The company employs industry-standard security measures to safeguard against unauthorized access, use, or disclosure of this information. Only the necessary information is collected and it is not shared or sold to third parties, except as required by law. The company’s website uses SSL encryption to protect data transmitted online and regular security updates are implemented to ensure the protection of customer’s information. In case of data breaches or security concerns, customers will be promptly notified. One Park Financial is committed to maintaining the integrity and confidentiality of its customers’ information.

In Conclusion

One Park Financial is a trusted financial services provider that offers small business owners access to working capital and funding solutions. With a variety of products such as business loans, merchant cash advances, and equipment financing, they help businesses grow and succeed. They pride themselves on their fast and easy application process and their ability to provide funding quickly to those who need it. The company has a team of experienced financial experts who work closely with each client to understand their unique needs and tailor a funding solution that best fits their business. One Park Financial is also dedicated to protecting the privacy and security of its customers’ personal and financial information. They have a dedicated customer support team that is available to assist clients with any questions or concerns they may have. Overall, One Park Financial is a reliable and trusted partner for small business owners looking to secure funding for their business.