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 Name One Park Financial business funding marketplace
Min. Amount $5,000
Max. Amount $750,000
Loan Term From 2 months
Min. Credit Score 450
APR varies by lender
Requirements 3+ months in business, $2,500+ gross monthly revenue, 450+ credit score

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

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