One Park Financial business loan marketplace review |

One Park Financial business loan marketplace review

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Short-term financing, merchant cash advances and more for startups and poor-credit borrowers.

Your options for business loans are limited when you’re just starting out or your credit score has taken a hit. One Park Financial understands, providing short-term financing with relatively low eligibility requirements. It may not be your cheapest option, however. While it doesn’t advertise rates, the types of financing it offers are typically more expensive than a traditional business loan.
Product NameOne Park Financial business loan marketplace
Min Loan Amount$5,000
Max. Loan Amount$5,000,000
Interest Rate TypeFixed
Minimum Loan Term.25 year
Maximum Loan Term1.5 years
Requirements In business at least three months, earn at least $5,000 in gross monthly revenue, credit score of 450 or higher
  • Have been in business for at least three months.
  • Make at least $5,000 a month in gross revenue.
  • Have a 450 credit score or higher.

What is One Park Financial?

One Park Financial is a business loan marketplace that specializes in loans for small and midsize businesses that can’t qualify for a traditional business loan.

Its partner lenders offer six packages:

  • Package 1: Revenue-based financing and merchant cash advance. This package is an advance on your business’s future sales and doesn’t require collateral. You can borrow from $5,000 to $500,000 over terms of 0.25 year to 1.50 years. Typically, you repay the amount you borrow plus a fee on a percentage of your sales.
  • Package 2: Asset-based financing. This option is similar to revenue-based financing but is secured by a business asset, like real estate, vehicles or equipment. Rates are typically lower than an unsecured loan, and terms range from six to 18 months. Select businesses can borrow up to $2.5 million.
  • Package 3: Hard money advances. This is type of asset-based financing is secured by real estate — either property your business already owns or is in the process of purchasing. Loans go up to $2.5 million and rates vary, depending on the lender and value of the property. Terms typically range from 12 to 18 months.
  • Package 4: Equipment leasing. With this option, your business makes regular payments to lease equipment like large trucks, machinery, construction or office equipment. Leases generally last from two to four years with varying rates. After you’ve paid off your lease, your business wholly owns the equipment.
  • Package 5: Receivables factoring. Also called invoice factoring, this option is for businesses that rely on invoices from other businesses and the government. Here, your business sells up to $5,000,000 of its unpaid invoices to a factoring company for a fast advance on a percentage of its value. After your clients pay the invoices, the factoring company forward the remaining amount, less a service fee that varies by lender.
  • Package 6: VIP investment banking. One Park Financial connects businesses with investors interested in providing financing — usually $500,000 or higher — in exchange for a percentage of ownership in your company.

What makes One Park Financial unique?

One Park Financial specializes in helping business owners find financing when they can’t qualify on their own. Working with more than 35 lenders, it can connect you with an unusually wide range of alternative business financing — from asset-based financing to investment banking.

Its website is clean, clear and informative. While not forthcoming about rates and fees — most alternative lenders aren’t, unfortunately — it does warn that the types of financing it offers are more expensive than others.

What are the benefits of using One Park Financial?

  • Bad credit OK. You need a credit score of 450 or higher to qualify for financing through One Park, and select lenders accept business owners who’ve filed for bankruptcy in the past.
  • New businesses welcome. You must be in business at least three months and make $5,000 a month for financing through one of One Park’s partners.
  • Wide range of loan amounts. Your business can potentially find high-dollar financing in the range of $5,000 to $5,000,000.
  • Secured and unsecured loans. One Park’s partners offer business loans with and without collateral.
  • Available nationwide. One Park’s partners accept businesses from all 50 states.

What to watch out for

  • High rates likely. One Park Financial doesn’t advertise specific rates you can expect from its partners. But similar business financing is expensive.
  • Short terms. The longest term on a loan or advance is 1.50 years. Leasing is the only product its partners offer with terms of up to four years.
  • Not ideal for emergencies. It can take as long as 24 hours to get connected with a lender and three days to get your funds. If your business needs money more quickly, look into applying through a direct lender.

Compare more business loan providers

Rates last updated February 20th, 2019
Unfortunately, none of the business loan providers currently offer loans for these criteria.
Name Product Product Description Min Loan Amount Max. Loan Amount Requirements
LoanBuilder, A PayPal Service Business Loans
Customizable loans with no origination fee for business owners in a hurry.
Annual business revenue of at least $42,000, at least 9 months in business, personal credit score of 550+.
National Business Capital Business Loans
Get a large business loan to cover your financing needs, no matter what the purpose is. Startups welcome with 680+ credit score.
Your company must have been in business for at least 6 months and have an annual revenue of at least $100,000.
Kabbage Small Business Line of Credit
A simple, convenient online application could securely get the funds you need to grow your business.
1+ years in business, $50,000+ annual revenue or $4,200+ monthly revenue over last 3 months
Credibly Business Loans
Funding to cover business expenses with daily or weekly repayments.
6+ months in business, $180K+ annual business revenue, 500+ credit score
Lendio Business Loan Marketplace
Submit one simple application to potentially get offers from a network of over 75 legit business lenders.
Must operate a business in the US or Canada, have a business bank account and have a personal credit score of 560+.
LendingTree Business Loans
Multiple business financing options in one place including: small business loans, lines of credit, SBA loans, equipment financing and more.
Varies by lender and type of financing
Varies by lender and type of financing
Varies by lender, but you many require good personal credit, a minimum business age and minimum annual revenue.

Compare up to 4 providers

What does the Internet say about One Park Financial?

One Park Financial earns mixed online reviews that skew positive as of September 2018. It’s accredited with the Better Business Bureau (BBB) and earns an A+ rating based on factors like how it handles customer complaints and transparent business practices. The majority of its 18 customer reviews are positive, while three customers have filed complaints.

On Trustpilot, One Park earns a 7.6 out of 10 based on 57 reviews, with 68% of reviewers calling the lender “Excellent.”

Customers have mixed feelings about customer service, however. Some say it’s lacking, while others feel representatives are professional. One recent customer complains that One Park Financial charged an origination fee — which a One Park representative confirmed in a comment below — contradicting what One Park advertises online.

How do I get started?

Fill out a quick online form to help One Park Financial connect you with a lender. Or reach out to customer service by calling 888-327-1044 to learn more about your financing options.


You’re eligible for financing through one of One Park Financial’s partners if you:

  • Have been in business for at least three months.
  • Make at least $5,000 a month in gross revenue.
  • Have a 450 credit score or higher.

Steps to get started

  1. Go to One Park Financial’s website.
  2. Click Get Approved Now.
  3. Fill out a quick form with information about you and your business.
  4. Review your answers and click Get Approved Now.
  5. Wait for One Park Financial to respond to your request with offers. You may wait up to 24 hours.

I got connected through One Park Financial. Now what?

What happens next depends on the lender you’re connected with. You’ll likely complete a new application and provide documents before signing your contract.

Once you have the funds, you’ll start repaying the loan. Because most of One Park Financial’s partners offer short-term loans, your business might need to make weekly or even daily repayments. If it’s an option, consider signing up for autopay to avoid the worry that comes with remembering a due date.

Reach out to your lender’s customer service if you have any questions or concerns. If you’re late on a payment or your payment bounces, your lender might charge a fee.

Bottom line

One Park Financial could be an option for business owners who struggle to get financing due to bad credit, low revenue or limited time in business. If your business meets eligibility requirements on most term loans, you might find more favorable rates and terms elsewhere.

To learn more about how business loans work and compare lenders, read our guide to business loans.

Frequently asked questions

Anna Serio

Anna Serio is a staff writer untangling everything you need to know about personal loans, including student, car and business loans. She spent five years living in Beirut, where she was a news editor for The Daily Star and hung out with a lot of cats. She loves to eat, travel and save money.

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