A quick guide to how revenue-based financing works and what to consider before applying.
When payroll is due, a growth opportunity comes up, or inventory can’t wait, most business owners don’t have months to wait for an answer. According to the Federal Reserve’s 2024 Small Business Credit Survey, 43% of small business applicants at large banks did not receive the full financing amount they requested. For many of those businesses, the issue wasn’t the business itself: it was an evaluation framework that isn’t always built for the speed at which a real business operates.
That’s where One Park Financial comes in: a faster way for established businesses to explore working capital options through revenue-based financing (RBF) and other alternatives.
Key Fact
If your business has been operating for at least three months and generates $10,000 or more in monthly sales, you could pre-fill an online funding application in about two minutes, using a soft credit check that does not affect your credit score.
What Is Revenue-Based Financing (RBF)?
Revenue-based financing is a working capital alternative that primarily evaluates what a business generates right now, its recent, consistent revenue, rather than relying solely on institutional credit history. Instead of lengthy applications and rigid credit requirements, more and more business owners are turning to One Park Financial’s network of funding partners to see if they qualify for RBF and other alternatives that can help keep cash flow moving.
The Challenge Many Business Owners Don’t Say Out Loud
Sales come in, customers are happy, but one large expense (a new contract, a slow season, an unexpected repair) can strain cash flow overnight. The business is already established, but not always large enough for traditional financial institutions to move at the speed it needs.
For many business owners in restaurants, retail, construction, transportation, hospitality, and professional services, the real problem isn’t vision or demand. It’s time: they need access to working capital without weeks of waiting or pausing their growth plans.
More than finding the “perfect” financing, most business owners are looking for something simpler: a clear view of their options, an understanding of the costs, and the ability to decide what fits their business, without affecting their credit just to explore.
What One Park Financial Offers
Founded in 2010, One Park Financial is a U.S.-based business funding company that helps small and medium-sized businesses access working capital through a network of funding partners. It is not a bank or a direct lender. It focuses on alternatives, including revenue-based financing (RBF), which can be more flexible than traditional options for many business owners.
How the Process Works, Step by Step
Simple prequalification application: share basic information about your business, your revenue, and how long you’ve been operating. It takes about two minutes.
Soft credit check: the prequalification step uses a soft credit check, which does not affect your credit score.
Review of potential options: based on the information you share, One Park Financial works with its network of funding partners to see what you may qualify for, with amounts generally ranging from $10,000 to $1.5 million, subject to approval.
Guidance from a Business Funding Manager: if you qualify, you’re connected with a dedicated specialist who explains the details, answers your questions, and helps you find the option that best fits your needs.
Fast timelines: for qualifying businesses and approved offers, funding can be available in as little as 24 hours, depending on the funding partner and completed documentation.
One Park Financial at a Glance
Funding amounts generally from $10,000 to $1.5 million, subject to approval
Online prequalification in about two minutes, with a soft credit check
Built for businesses with at least three months in operation and $10,000 or more in monthly sales
Can help with payroll, inventory, equipment, marketing, or expansion
A Business Funding Manager guides you through your options
Who Qualifies: Is This Right for Your Business?
One Park Financial focuses on established businesses with consistent revenue in the United States and Puerto Rico that generally meet the following:
At least three months in operation
$10,000 or more in gross monthly revenue
Many of the businesses that work with One Park Financial operate in industries such as restaurants, retail, construction, transportation, hospitality, and professional services. If your business meets these points, that’s a good sign it’s worth exploring your options.
Why Business Owners Choose One Park Financial
Since 2010, One Park Financial has facilitated more than $1.5 billion in funding for small business owners across the United States and Puerto Rico, connecting them with a network of funding partners offering amounts from $10,000 to $1.5 million.
Revenue-focused evaluation: because options may include revenue-based financing, consistent sales can help, even if credit isn’t perfect.
Less paperwork upfront: prequalification is simple, so you spend less time gathering documents before knowing what you may qualify for.
Clear steps: a Business Funding Manager explains requirements, timelines, and potential costs from participating partners.
Flexible use of funds: payroll, inventory, equipment, marketing, expansion, or general cash flow.
Spanish-language support: many business owners feel more confident exploring their funding options in the language they prefer.
Frequently Asked Questions About Working Capital and Revenue-Based Financing
Is One Park Financial a bank or a direct lender?
No. One Park Financial is not a bank or a direct lender. It is a business funding company that connects small and medium-sized businesses with a network of outside funding partners offering working capital solutions, including revenue-based financing.
How much funding could my business get?
Amounts through One Park Financial’s partner network generally range from $10,000 to $1.5 million. The amount each business may qualify for depends on factors such as revenue, time in operation, and the evaluation criteria of the relevant funding partner.
Does checking if I qualify affect my credit score?
The initial prequalification process uses a soft credit check, which does not affect your credit score. If you decide to move forward with a specific offer, the funding partner may conduct additional checks.
How fast can I receive funds if approved?
For qualifying businesses and approved offers, some funding partners can deliver funds in as little as 24 hours after final approval and completion of required documentation. Actual timing varies by partner and situation.
What kind of businesses is this for?
One Park Financial focuses on established businesses with consistent revenue in the United States and Puerto Rico that generally have at least three months in operation, $10,000 or more in gross monthly revenue, and a FICO score of approximately 500 or higher. Many of our clients operate in industries such as restaurants, retail, construction, transportation, hospitality, and professional services.
Legal disclaimer: Funding availability, terms, and timelines are subject to eligibility, evaluation, and approval by the relevant funding partner. One Park Financial does not guarantee approval, specific funding amounts, or delivery timelines. Costs, fees, and repayment terms vary by offer. Revenue-based financing and other options facilitated by One Park Financial are not traditional bank loans.
Does your business need working capital? Find out if you qualify in minutes, with no commitment.
Jonathan Jaimes
Senior Content Manager
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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