One Application, Multiple Competing Offers, Fast Funding.


Who is One Capital Funding?
One Capital Funding is a premier lending source providing working capital solutions to small and medium sized businesses. With a simple one page application, entrepreneurs looking for working capital will gain access to a network of over 120+ Lenders nationwide, all competing for their business.
Who are One Capital clients?
One Capital Funding works with a wide-range of businesses including retailers, restaurants, wholesalers, e-commerce vendors and other small businesses.
What can the funds provided be used for?
Whatever your business needs are. There are No Business Use Restrictions!
How fast can I receive funding?
Whether it's a merchant cash advance or a small business loan, your application can be reviewed in as little as 24 hours. Once approved, you will typically receive funding within 5 to 7 days.
How much funding can I obtain through One Capital?
Depending on the working capital program you choose, you can receive anywhere from $10,000 to $1,000,000 in funds to be used however you deem fit for your business.
Do I need a business plan to obtain working capital through One Capital Funding?
No. One of the many advantages of choosing a One Capital Funding program over a traditional bank loan is that we don't require a business owner to provide a business plan in order to receive funding. Unlike traditional lenders which require applicants to provide a written business plan that describes the nature of the business, target market, nature of competition, marketing plan, and list of likely expenses.
How do I send in my loan request?
One Capital Funding is committed to sending information to lenders quickly and accurately. You have 2 options; 1. Start the Application process online. 2. Send us an email to and someone will be in touch with you to help you get started.
What does One Capital Funding do?
We do one thing extremely well, and that’s get small businesses the money they need to grow their business. Instead of the slow and tedious process of applying for a loan with one bank at a time as most borrowers normally do, we leverage the power of technology and our network of over 120+ lenders nationwide to connect entrepreneurs with lenders who are looking for borrowers to loan to.
Does One Capital Funding pull my credit?
Yes, we pull your credit report when you complete a loan request. By pulling your credit report one time, we can share your credit report with all interested lenders with only 1 credit pull.
Does One Capital Funding charge any “Upfront Fees” or “Funding Fee”?
One Capital Funding does not charge any kind of fee for the service of matching borrowers with lenders. In addition, no lender that you are matched with through One Capital Funding will ever ask you for any upfront fees to "guarantee", "insure" or “approve” a loan.
Do you have lenders who deal in less than perfect credit?
Yes! We have Lenders who work with borrowers with less-than-perfect credit. Although we can't guarantee that you'll get a loan offer, we will try to match your loan request with Lenders who are eager to work with you. While personal credit is a small factor, a great majority of our lenders give stronger consideration to the health and strength of your businesses cash flow.
How does One Capital Funding get paid?
Lenders pay us a small finders fee for our service. You will never pay us a penny. Plus, we only get paid after you get your financing. In other words, we don't earn a penny unless we help you!
Am I obligated to accept an offer?
You are under no obligation to accept a loan offer that is presented to you.
How do I know which One Capital Funding product is right for me?
If you process credit card payments regularly and you like the flexibility of having No Fixed Payment Schedule with No Fixed Time Frame for Repayment and you need funds quickly, then turn to our merchant cash advance program. When you need working capital fast and you don't process credit card payments (or they make up a low volume of your sales) and you like the certainty and predictability of having a Fixed Payment, plus you want to Build your Credit and like having your Loan Interest Tax Deductible, then our small business loan program is right for you.
Why does One Capital Funding pull my credit report?
One Capital Funding pulls your credit score to share with lenders to help them determine if they want to compete for your business. Because One Capital Funding has your credit score, the lenders on our network are better able to give you loan offers that are customized for you. We also pull your credit report so other lenders won’t have to. One Capital Funding-One Application-One Credit Pull-Multiple Offers!
Can I qualify for funding if I have bad credit?
Yes. Because our small business loan and cash advance programs are based on your business' sales history (the health of your business) rather than your personal credit history, a low credit score will not prevent you from acquiring the cash you need.
My question wasn’t answered here. How can I contact One Capital Funding directly?
We are your advocate and work with you throughout the entire loan process. If you have any questions or comments, or just want to talk to one of our Funding Advisors, please contact our Customer Care Department at 888-509-1266.