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One Park Financial offers a fast alternative to SBA loans — no lengthy approval process, no collateral requirements, and funding available in as little as 24 hours.
The Core Difference
SBA loans are backed by the U.S. Small Business Administration and offered through traditional banks. They typically offer low interest rates — but they come with strict requirements, long timelines, and a process that can take weeks or months.
One Park Financial is an alternative funding provider that works differently. One Park Financial connects business owners directly with funders through a fast, human-guided process designed for businesses that need capital now.
Side-by-Side Comparison
SBA Loan | One Park Financial | |
Approval time | 30–90 days | 24–72 hours |
Credit score requirement | 680+ | No minimum |
Collateral | Often required | Not required |
Paperwork | Extensive | Minimal |
Best for | Established businesses with strong credit | Businesses needing fast, flexible funding |
Who Should Consider One Park Financial
One Park Financial is a strong option for business owners who:
Have been turned down by a bank or SBA lender
Have a credit score below 680 but solid monthly revenue
Need funding within days, not months
Are in industries like restaurants, retail, trucking, or construction
Minimum Requirements
3 months in business
$10,000/month in gross revenue
A business bank account
The Bottom Line
If you have strong credit, time to wait, and need a large long-term loan, an SBA loan may be worth pursuing. But if you need working capital quickly and your credit history is not perfect, One Park Financial is built for you.
Not sure which option fits your business? Answer a few quick questions and find out.
José Miguel Vera
SVP of Growth & Marketing
One Park Financial's editorial team brings together funding specialists, business strategists, and small business advocates to create practical content for the entrepreneurs we serve.
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