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One Park Financial business funding marketplace review

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Its network of lending partners offer merchant cash advances and other types of funding to all credit types.

  • Best for new businesses looking for a merchant cash advances.
  • Pick something else if you want to compare costs before applying.


Min. Amount


Max. Amount


Product NameOne Park Financial business loans
Min. Amount$5,000
Max. Amount$750,000
Loan TermFrom 2 months
Min. Credit Score450
APRvaries by lender
Requirements3+ months in business, $2,500+ gross monthly revenue, 450+ credit score

Expert review

Anna Serio

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 950 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

One Park Financial is an online connection service that works with a network of 20 merchant cash advance companies. It could be a good option for companies that are too new to qualify for a traditional loan — or have otherwise struggled to get funded in the past. It only requires three months and business, a monthly revenue of $2,500 and a personal credit score of 450 to qualify.

But it’s not transparent about the fees its partners charge — which can sometimes reach the equivalent of a 300% APR or higher on these types of products. If you’d rather compare costs before giving out your personal information, you may be able to find a more transparency by applying through a provider directly.

How much will this loan cost me?

One Park Financial works with a network of providers that offer merchant cash advances, but doesn’t disclose the costs.

Merchant cash advances typically come with a flat fee rather than interest, which can range from 0.14 to 0.3 times your loan amount. In some cases it can run as high as three times the loan amount. This can come in addition to an origination fee, which is typically a percentage of your loan amount.

You can borrow between $5,000 and $750,000. One Park Financial’s partners offer terms starting at two months.

How it works

Merchant cash advances are typically based on your business’s sales history. How much you can borrow, the rate and the percentage of sales your business repays generally depends on your revenue. If your business has consistent cash flow and is profitable, it’ll likely qualify for a lower rate.

Often, your credit score or time in business aren’t important factors in determining the cost with this type of loan.

What do I need to qualify?

You need to meet the following criteria to qualify for business funding through One Park Financial’s network of lending partners, which it refers to as funders:

  • In business for at least three months
  • Gross monthly revenue of at least $2,500
  • Minimum credit score of 450
  • Not located in California

What information do I need to get started?

One Park Financial only asks about your business’s gross monthly sales when you first sign up. However, you might need to provide some or all of the following information to apply for a loan through one of One Park Financial’s partners:

  • Business bank statements
  • Government-issued ID
  • Voided check from business bank account
  • Business tax returns
  • Proof of ownership

What industries does One Park Financial work with?

One Park Financial doesn’t explicitly restrict any industries. And typically merchant cash advances are available to industries that might not qualify for a bank loan — like construction or wholesaling.

Pros and cons

From its lenient eligibility requirements to its fast turnaround, there are a few perks of finding funding through One Park Financial. But it’s not right for all business owners.


  • Open to all credit types
  • Get connected in 24 hours
  • Past bankruptcies OK


  • Not transparent about costs
  • Origination fee on top of financing fee
  • Daily or weekly repayments

Compare more business financing options

Use the table below to see even more lenders that might be able to work with your business.

Data indicated here is updated regularly
Name Product Filter Values Loan amount APR Requirements
First Down Funding business loans
$5,000 – $300,000
Fee Based
At least 1 year in business, an annual revenue of $100,000+, and a minimum credit score of 400
Alternative financing up to $300K with highly competitive rates.
Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.
ROK Financial business loans
$10,000 – $5,000,000
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.
OnDeck small business loans
$5,000 – $250,000
As low as 9.99%
600+ personal credit score, 1 year in business, $100,000+ annual revenue
A leading online business lender offering flexible financing at competitive fixed rates.
Rapid Finance small business loans
$5,000 – $1,000,000
Fee based
Steady flow of credit card sales, bad credit OK
Fundbox business loans
$1,000 – $100,000
You must have an established business.
Get flat rate, short-term financing based on the financial health of your business, not your credit score.
Kickpay e-commerce business loans
$20,000 – $1,000,000
Not applicable
At least $250,000 in the past 12 months of revenue, e-commerce business, use a 3rd party fulfillment center for storing and shipping inventory, at least one US location.
Get a loan for your e-commerce business based on your sales history.
Fundera business loans
$2,500 – $5,000,000
7% to 30%
$300,000+ of annual revenue, 680+ personal credit score, in business for 3+ years
Get connected with short-term funding, SBA loans, lines of credit and more.
LendingClub business loans
$5,000 – $500,000
12.15% to 29.97%
12+ months in business, $50,000+ in annual sales, no bankruptcies or tax liens, at least 20% ownership of the business, fair personal credit score or better
With loan terms that vary from 12 to 60 months, enjoy fixed monthly payments and no prepayment penalties through this award-winning lender.
Monevo business loans
$500 – $100,000
3.99% to 35.99%
Credit score of 500+, legal US resident and ages 18+.
Use this connection service to get paired with a loan you can use for business.

Compare up to 4 providers

Is One Park Financial legit?

One Park Financial is a legitimate connection service. It protects your information by only sending it through secured channels. And while you may receive promotional calls from its partners, you can opt out by sending an email to with the phrase Opt-out in the subject line.

But since it’s a connection service, you’re signing up to share your information with 20 companies. You won’t be able to view their privacy policies or terms and conditions until after you sign up.

Does One Park Financial get good customer reviews?

BBB accredited Yes
BBB rating A+
BBB customer reviews 4.1 out of 5 stars, based on 35 customer reviews
Trustpilot Score 4.4 out of 5 stars, based on 377 customer reviews
Customer reviews verified as of 25 June 2020

Yes, most reviews on Trustpilot and the Better Business Bureau are positive. Borrowers praise the connection service’s swift process and sincere concern for their business’s needs. And almost all of the negative reviews were addressed by a One Park Financial representative — another good sign.

How do I get started?

You can begin the process of getting connected with a lending partner by calling 888-327-0849 or filling out a form on its website. Follow these directions to get started online:

  1. Go to One Park Financial’s website and click Get funded now.
  2. Enter details about yourself and your business, including your contact information and your estimated gross monthly sales.
  3. Click Get funded now.

What happens after I sign up?

A One Park Financial representative should get back to you in less than 24 hours with funding options you prequalify for. If you like an offer, you’ll then be redirected to the lending partner’s website to complete the application. Upon approval you can receive your funds in as soon as three business days.

How do repayments work?

For merchant cash advances, you typically pay daily or weekly repayments that are automatically deducted from your business bank account. Typically these are a percentage of your sales during the repayment period.

Read over your contract carefully to find information on how your repayments work and if there are any potential late fees or nonsufficient funds fees. If you have any questions, reach out to your lender for help.

Prefer to apply for a business loan directly? Compare other lenders with our guide to business financing.

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