One Park Financial? Here’s the Real Deal in 60 Seconds!
One Park Financial is a business financing company that helps small business owners access working capital through its network of funding partners.
The platform specializes in revenue-based financing and short-term funding options, with flexible repayment schedules tied to business cash flow rather than fixed monthly payments.
Read Full ReviewOne Park Financial Details Review
Details
| Details | Category |
| Min Credit Score | 500 |
| Loan Amount | $5k-$500k |
| Loan Types | Business loan |
| Online Experience | Yes |
| Funding Time | 1-3 business days |
| Lender Type | Online loan marketplace |
| APR (Fixed Rate) | Not disclosed |
| Availability | Available in most states except: CA and NY |
| Soft Credit Pull | Yes |
| Repayment Flexibility | Daily or weekly |
Pros & Cons
Pros
- Quick funding
- Flexible eligibility criteria
- No collateral required
- Large lending amount
Cons
- Not a direct lender
- Not transparent about terms and fees
- Professional service fee
- No available in CA or NY
Contact Info
- compliance@oneparkfinancial.com
- 888-327-0849
- 3390 Mary St STE 310 Miami, FL 33133-5258
- M-F 8am-8pm EST
- Yes
Features
- Connected with a network of lenders
- Most business industries accepted
- Wide funding range
How To Qualify
To qualify for a loan with One Park Financial, borrowers must meet basic eligibility requirements:
- Be in business for at least 3 months
- Earn at least $7,5k in gross monthly revenue
- Minimum credit of 500
- Not in active bankruptcy
- Be located in state other than CA or NY
Meeting One Park Financial’s minimum requirements allows you to apply, but final approval, loan amounts, and repayment terms are determined by the lender or funding partner you are matched with. The platform facilitates the connection process but does not guarantee funding, and each lender uses its own underwriting standards to make the final decision.
What makes this review trustworthy
"We do not receive compensation from the companies featured on this site, so our reviews are written independently and are not influenced by placement or ranking. ""One Park Financial"" is not connected to or endorsed by MontanaCapital™. All product names, company names, and logos are the property of their respective owners. Their mention here does not imply any partnership, sponsorship, or endorsement between us and MontanaCapital™ or vice versa. We make every effort to provide accurate and up-to-date information, but details can change. Always verify the latest terms, rates, and product details directly with the provider before making any financial decisions."
How To Apply
Applying with One Park Financial is simple and fully online. The process is designed to connect small business owners with funding partners quickly. Here’s how it works:
Complete Online Application
Fill out a short form with your business and financial details. This usually takes less than 5 minutes.
Application Review
One Park Financial reviews your submission. Lenders may ask for additional documents like proof of revenue or bank statements.
Review Loan Terms
If matched, you’ll be presented with potential offers, including repayment terms and costs. Review carefully before proceeding.
Accept And Receive Funds
Once you accept an offer, sign the loan agreement with the lender. After verification, funds may be available in as little as 72 hours.
Follow Repayment Schedule
Repay according to the terms outlined in your loan agreement. Payments are often daily or weekly, depending on the lender.
Details You’ll Need To Provide In Your Initial Application
- Business name and address
- Years in operation
- Business owner’s name and contact details
- Employer Identification Number (EIN) or Social Security Number (for sole proprietors)
- Annual revenue or average monthly income
- Bank account details
- Proof of revenue (such as bank statements)
Is One Park Financial Legit and Can It Be Trusted?
Yes, One Park Financial is a legitimate financing company that specializes in helping small business owners with limited credit options.
It operates as a loan facilitator, connecting businesses with lending partners that provide working capital. The company has been in business since 2010 and is based in Miami, Florida.
Why One Park Financial Might Not Be Your Best Option
One Park Financial provides fast access to business funding, but there are trade-offs that may not work for every borrower. It’s important to weigh these factors before applying.
Limited Upfront Transparency
You don’t know the exact terms that are offered for repayment amounts until after you are matched with a lending partner.
High Cost
Revenue based financing may be an expensive option and often have much higher interest rates.
Short Repayment Terms
Repayment terms may become expensive and become a burden for the business.
How To Qualify For One Park Financial
Applicants generally must:
- Own a business that has been operating for at least 3 months
- Have a business checking account
- Meet a minimum monthly revenue requirement (around $7,500+)
- Be a U.S. citizen or permanent resident, at least 18 years old
Process & Time Frame
The online loan application only takes a few minutes. Once submitted, One Park Financial reviews your details and matches you with potential lenders.
Many applicants hear back the same day. Depending on the lender, you may need to submit bank statements or other proof of revenue. If approved, funding can arrive within 2–3 business days.
How Will The Loan Process Work?
Apply Online Or Phone
Submit your business and financial details using the secure form.
Get Matched
One Park Financial reviews your information and connects you with potential funding partners.
Confirm & Sign
Review the loan terms, submit any requested documents, and sign your agreement.
Receive Your Funds
Approved funds are deposited into your business account, often within 72 hours.
Who It’s Best For
One Park Financial is best for small business owners who struggle to qualify for traditional bank loans but still need fast access to working capital.
It’s most useful for businesses with steady revenue that can handle frequent repayments. However, it may not be a good fit for businesses seeking long-term, low-cost financing.
Alternatives To Consider
If you’re exploring other financing options, look into business loan marketplaces or direct online lenders that specialize in serving borrowers with poor credit.
Some alternatives may offer clearer terms, lower costs, or more flexible repayment schedules. Comparing multiple providers can help you find a funding solution that balances affordability with speed.
4.5
Credible Reviews
$1k-$250k
6.49%-35.99%
12-120 months
Good For: Personal Loans, Student Loans, Mortage Loans
2.7
CashUSA Reviews
$500-$10k
Not disclosed on wesbite but based on research 5.99% – 35.99%
Good For: Personal Loans with Limited Credit Options
2
Lending for Bad Credit Reviews
$100-$40k
Up to 35.99%
3-180 Months
Good for: Personal Loan or Cash Advance
FAQs
Is One Park Financial A Good Option For Bad Credit?
Yes, One Park Financial is often used by small business owners with bad credit. The company works with alternative lenders who focus more on revenue than credit scores.
Although your credit is still checked it is not necessarily the deciding factor.
What Does One Park Financial Do?
One Park Financial acts as a funding facilitator connecting small business owners with lenders who provide working capital loans or merchant cash advances. Their role is to review your information, match you with potential funding partners, and help guide you through the process.
How Does One Park Financial Compare To Other Lenders?
One Park Financial focuses on speed and accessibility, making it better suited as a short-term option for business owners with bad credit. While other lenders may offer lower APR and longer terms the trade off is having a loan accessible for a bad credit borrower.
One Park Financial Reddit Review Summary
Reddit feedback on One Park Financial appears nonexistent. We didn’t find credible firsthand experiences on Reddit.
According to research as of Sept 19, 2025
One Park Financial BBB Reviews And Complaints
| Category | Details |
| BBB Accredited | Yes |
| BBB Ratings | A+ |
| BBB Customer Reviews | 4.72 out of 5 stars (based on 68 reviews) |
Most BBB reviews are positive, praising quick service and helpful representatives. Many say that once required documents are submitted, funding occurs relatively quickly, and communication throughout is clear.
Others specifically point out that shorter repayment schedules and additional fees make small business funding more expensive than they initially expected.
Customer reviews verified: Sept 19, 2025
One Park Financial Bottom Line: Finding The Right Personal Loan
One Park Financial makes it easy for small businesses with limited credit to get connected to funding partners. It’s fast, accessible, and can provide capital when banks say no.
The costs are high, repayment schedules can be demanding, and transparency is limited. If you can qualify for more traditional financing, it’s usually a better path.
One Park Financial works best as a last-resort or short-term option for business owners who need quick cash and have steady revenue.
One Park Financial Summary Of Brand Disclaimer
One Park Financial, LLC is a Delaware-based company headquartered in Coconut Grove, Florida. It operates oneparkfinancial.com to connect small businesses with funding partners but does not guarantee approvals or specific outcomes.
The site is intended for business use only and requires users to be at least 18 years old. Services are provided “as is,” with final loan terms and decisions determined by third-party lenders.
By applying, users agree to their Terms of Use, Privacy Policy, and consent to communications via phone, email, or SMS. Disputes are governed by Florida law.
