| ✅ Key Point | 📋 Details |
|---|---|
| 🏦 Lender Type | One Park Financial is a financial services company based in Miami, Florida, connecting small businesses with funding through a network of over 20 lending partners. |
| 💰 Funding Amounts | Offers business funding from $5,000 to $500,000, with some partners funding up to $750,000, depending on qualifications. |
| ⚙️ Funding Type | Primarily offers revenue-based financing (merchant cash advances), but may connect businesses to other products such as term loans or equipment financing. |
| ⚡ Funding Speed | Fast funding, typically within three business days after approval, with some lenders offering same-day deposits. |
| 🧾 Qualifications | Minimum 500 credit score, 3+ months in business, and at least $7,500 in gross monthly revenue. |
| 💳 Repayment Terms | Short-term programs lasting 4–12 months, with daily or weekly repayments automatically withdrawn via ACH. |
| 🤝 Customer Experience | Widely praised for exceptional customer service, clear communication, and a stress-free application process. |
| ⭐ UCS Rating | 3.8 out of 5 — great for fast funding and customer service, but higher costs and short terms make it less ideal for long-term financing. |
Access to capital remains one of the most significant challenges facing small business owners today. Traditional banks often require years in business, high credit scores, and substantial collateral — hurdles that can exclude many small and mid-sized companies. For young businesses or those with poor credit scores, these restrictions can stall business growth and limit opportunities.
Alternative business financing platforms like One Park Financial have emerged to fill this gap, providing easier access to working capital when traditional lenders say no. These platforms help small business owners manage cash flow, purchase inventory, and invest in marketing or expansion without enduring lengthy approval processes or rigid loan requirements.
However, it’s essential to carefully evaluate each financing option to ensure you get the best deal for your business needs.
In this review, we explain how One Park Financial works, including the pros and cons and application process, to help you decide if it’s right for your needs. Specifically, we’ll answer these questions and more:
One Park Financial is a financial services company headquartered in Miami, Florida. Founded in 2010, the company’s mission is to make business funding more accessible for small and mid-sized businesses that struggle to qualify for financing through traditional banks. Its guiding philosophy is that all small businesses — not just big corporations — deserve access to the capital they need to grow and succeed.
Small businesses often face challenges obtaining funding from traditional lenders due to poor credit scores or financial difficulties. One Park Financial can help small businesses connect with funding sources despite poor credit ratings. By connecting entrepreneurs with a network of alternative lenders, One Park Financial helps level the playing field and ensures that small business owners can pursue opportunities that might otherwise be out of reach.
One Park Financial has a network of lenders that operates in 48 states, excluding California and New York. The company connects businesses with funding programs for equipment purchases, inventory, advertising, and debt consolidation. Many small business owners benefit from using alternative lenders when traditional options are unavailable, resulting in successful funding outcomes.
According to the company, its team works closely with business owners to match them with flexible funding programs designed to meet specific goals. Whether you need working capital to bridge cash flow gaps or a lump sum to cover a short-term expense, One Park Financial aims to simplify the entire process.
One Park Financial is not a direct lender and works with over 20 lending partners to provide funding options to businesses. One Park Financial offers multiple working capital options, primarily advertising revenue-based funding, also known as merchant cash advances. The company offers funding amounts ranging from $5,000 to $500,000 for various business purposes.
Most One Park Financial products have repayment terms between 4 and 12 months, with payments made daily or weekly. Business owners must generally have been in business for at least three months and have a minimum monthly revenue to qualify for funding. Once a borrower completes the application process, a funding expert assists them with the available funding options. Funds are typically disbursed within three business days following loan approval.
The core product One Park Financial offers is revenue-based financing, often structured as a merchant cash advance (MCA). Merchant cash advances allow businesses to receive funds based on future credit card sales, requiring daily or weekly repayments. This product is popular among small businesses with fluctuating cash flow or seasonal revenue.
Essentially, MCA companies purchase a portion of your future receivables in exchange for an upfront lump sum. Repayments are automatically deducted as a percentage of daily or weekly revenue, making the process easy to manage for businesses with consistent sales.
These types of business loans can provide working capital quickly without requiring traditional collateral or a lengthy approval process. However, they often come with higher overall costs than bank loans due to the risk-based pricing model.
While merchant cash advances are One Park Financial’s primary offering, its lender network may offer additional funding products to meet diverse small-business needs. Funding options available for small businesses typically include business loans, merchant cash advances, and equipment financing.
Some lenders may offer unsecured business term loans that do not require collateral but typically carry higher interest rates. Secured term loans require the borrower to put up collateral, which can include business equipment or real estate.
Some lenders may offer a business line of credit or a revenue-based working capital line. Lines of credit offer flexible access to funds, allowing business owners to withdraw as needed and replenish as payments are made. This flexibility enables small businesses to cover ongoing expenses or seize opportunities as they arise.
To qualify for business funding through One Park Financial, applicants must meet a few basic requirements. The eligibility criteria are designed to make it easier for newer or smaller businesses to access financing, even with a lower credit score. The company’s listed requirements are:
Businesses must have been in operation for at least 3 months and earn at least $7,500 in gross monthly revenue to qualify for funding. Businesses with past credit challenges or bankruptcies may still be eligible for financing through One Park Financial. Many lending partners provide funding to companies that may have past credit challenges or bankruptcies on their credit reports.
This approach allows One Park Financial to help entrepreneurs who may have been turned down elsewhere secure funding to expand their businesses or stabilize operations.
One Park Financial is not a direct lender; it matches customers with lenders that may charge higher fees. One Park Financial’s advertising focuses on revenue-based funding, which can have daily repayments and short terms. The costs associated with One Park Financial financing can be high, as it primarily offers merchant cash advances.
Terms and fees for funding through One Park Financial can vary significantly depending on the lender and the borrower’s qualifications. Funding from some partners may reach up to $750,000, depending on the business’s qualifications and needs. Traditional lenders typically have stricter requirements, making it difficult for small businesses with credit issues to obtain financing.
Most funding programs do not require personal or business collateral for approval. Funding does not require merchants to accept credit cards or change payment processors. One Park Financial believes in helping businesses succeed with easier access to funding.
Customers reported a positive sentiment regarding the value for money of the funding they received from One Park Financial. People value the customer service provided by One Park Financial, noting prompt responses and clear communication. Many reviewers appreciate the professionalism, knowledge, and helpfulness of the staff at One Park Financial. The company is commended for being upfront about the funding process and for having no hidden fees.
One Park Financial does not charge an application fee, but it does charge a professional service fee if you secure funding, similar to an origination fee. The company and its partners work with borrowers who have low personal credit scores. Once your application is submitted, lenders typically take a few hours to decide whether to approve it.
One Park Financial offers a business loan affiliate program. ISOs and business loan brokers can sign up to offer the company’s funding products and receive commissions.
Applying for funding through One Park Financial is designed to be quick, simple, and accessible. The company’s easy application process enables business owners to receive funding fast without lengthy paperwork or waiting periods.
One Park Financial offers a streamlined online small business loan application that can be completed in about 5 minutes. Applying for a loan through One Park Financial is simple and can be completed online.
The prequalification application takes five minutes or less to complete and requires minimal information. Applicants can complete the online form with basic business details, including monthly revenue, time in business, and contact information.
The typical documentation required includes an application, bank statements, a voided check, and a copy of your driver’s license. Some borrowers may be required to submit additional documentation, such as proof of ownership or tax returns.
After you apply, a funding expert will assist you through every step of the process. The company’s funding professionals work closely with applicants to identify the best available funding options based on business performance and goals.
Once you’re matched with potential funding options, review each offer carefully. Each lender may have different rates, fees, and repayment structures, so it’s essential to understand the terms before signing an agreement.
Funding requests are typically processed within three business days of approval, though some lenders offer faster funding. Once accepted, funds are deposited directly into your business checking account, allowing you to access capital quickly to cover expenses or pursue growth opportunities.
After receiving funding, business owners begin repaying the loan in accordance with the terms outlined in their agreement. Most funding programs involve a purchase of future receivables, meaning the lender collects a percentage of your future sales until the advance is fully repaid. Most revenue-based financing structures have daily or weekly repayments automatically debited from the business’s bank account via ACH.
The company offers an early payoff discount, enabling businesses to save money by repaying early. One Park Financial also advertises that businesses can cancel any deal within the first seven days, providing a short grace period for reconsideration.
For long-term clients, the company offers renewal options for repeat funding, but business owners should refer to their funding agreement or speak to a representative for additional information. One Park Financial provides ongoing support after funding, ensuring customers have access to assistance throughout the entire process.
There are several advantages to using One Park Financial for business funding. The company offers fast business funding and a flexible approval process for small business owners with lower credit scores.
The quick turnaround time for funding with alternative lenders is often a key advantage, with approvals possible within 24 hours. One Park Financial offers financing within 72 hours of loan approval.
Its funding network helps small business owners who can’t qualify with traditional banks secure working capital to keep their operations running smoothly. Many customers cite the stress-free application process and exceptional customer service as reasons for choosing One Park Financial.
The company’s transparent communication and fast service make it an appealing option for businesses seeking speed and reliability in their financial business partnerships.
While One Park Financial offers numerous benefits, it also has drawbacks to consider. The biggest downside is cost — revenue-based financing products often come with higher rates and fees compared to traditional business loans.
Some borrowers report that interest rates and repayment amounts can be burdensome for businesses with inconsistent cash flow. Because One Park Financial is not a direct lender, terms and costs vary depending on which lending partner you’re matched with.
Additionally, One Park Financial is not an accredited business with the Better Business Bureau. While this doesn’t necessarily mean it’s untrustworthy, it’s a factor worth noting for business owners who prioritize BBB accreditation when choosing a lender.
Pros:
Cons:
Yes, One Park Financial is a legitimate business funding company with over a decade of experience helping small and mid-sized businesses access working capital.
One Park Financial has an A+ rating with the Better Business Bureau, reflecting its complaint response efforts. The company’s transparency, customer service, and clear communication practices further reinforce its credibility.
With thousands of positive customer reviews and an established reputation, One Park Financial is considered a reliable intermediary for small business funding.
Overall, reviews for One Park Financial are overwhelmingly positive, with a 4.8 out of 5 rating on Trustpilot. Customers reported that the funding process was fast, with many receiving their funds within three business days after approval. Reviews indicate that One Park Financial cares about its customers and strives to resolve issues when they arise.
Customers consistently praise One Park Financial’s service, highlighting the ease and speed of the funding process. Many customers report a quick, painless, and stress-free funding process with knowledgeable and professional staff.
Many reviewers expressed satisfaction with the funding they received and its impact on their business growth. Many customers mentioned specific representatives by name, emphasizing their positive interactions and personalized attention.
Customers often describe One Park Financial’s funding process as transparent and efficient. Reviewers frequently highlight the company’s responsiveness and the sense that representatives genuinely care about helping small business owners succeed.
While the overall ratings for One Park Financial are positive on review sites, criticisms of high costs and a lack of transparency persist. Many borrowers report that interest rates and fees for funding options from alternative lenders are generally higher than those for traditional bank loans.
Some clients report a lack of transparency regarding payment procedures and the presence of unexpected fees. One Park Financial has received high complaints about high interest rates and fees.
Some borrowers report experiencing high-pressure sales tactics from One Park Financial representatives. One Park Financial has received complaints regarding continuous contact even after securing funding.
These issues appear to be exceptions rather than the rule, as most customers still describe a positive overall experience despite the higher costs.
One Park Financial or its lending partners might deny an application if it does not meet their minimum requirements for credit score, time in business, or monthly revenue. Additionally, a business model that is not conducive to their repayment structure might also trigger a denial.
If the company denies your loan application, the denial letter should explain the reasons for the denial and include details on how to improve your application and when you can reapply. If not, or if you require more information, contact One Park Financial directly.
Fortunately, small business owners have many funding and lending options to consider. Working with a small business loan marketplace (like UCS) lets you apply to multiple lenders with a single application, receive several offers, and get guidance on choosing the best deal for your business.
You may be interested in one of the following small business loans:
One Park Financial provides an accessible funding pathway for small business owners who can’t qualify for traditional business loans. With its simple online application process, fast funding times, and exceptional customer service, it’s an appealing solution for businesses that value speed and convenience.
However, because it primarily offers revenue-based financing through merchant cash advances, the overall costs can be high. This makes it less ideal for businesses with consistent cash flow or those who can qualify for lower-cost funding from banks or SBA-backed programs.
Businesses with short-term cash flow needs or urgent opportunities to seize may find One Park Financial to be a valuable partner. But those looking for long-term, low-cost financing should explore alternatives before committing.
Based on the available information, we rate One Park Financial 3.8 out of 5. It’s a solid option for quick access to capital with excellent reviews, but it has low funding amounts and high costs.
Disclaimer: The One Park Financial trademark is owned by One Park Financial LLC, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from One Park Financial LLC.
