Apply In Minutes

One Source Financing looks at your real time business data, not just your credit score, to get you qualified in minutes.

One Source Financing is an online lender providing unsecured loans to small business. We leverage the power of data to obtain a more holistic view of a business’s position, so we can approve more loans than many other lenders.

How It Works
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What Our Clients Said About Us

“One Source has always been there for me. I’ve used them several times for working capital to remodel my restaurant, purchase equipment and expand my marketing. They were able to get me funded in 72 hours.”
Michael Thompson – Owner & Head Chef
“I am the owner of a little eatery called Moonlight Diner in Panama City Beach Fla. since 2006. I had my first experience with One Source Financing in 2010 and I have been doing business with them ever since. I have used their capital to improve my diner from decor to equipment upgrades. The entire procedure is hassle free and fast. Everyone at One Source treats their customers like I treat mine. They make me feel special and only want to take care of my needs. I would recommend them to everyone. It’s been refreshing and a pleasure doing business with such an honest and caring company.”
Jonathan Russo, Moonlight Diner
“Seamless and Smooth. The One Source team were great to work with and didn’t require months and months of documents for a small business loan. Sean, my account manager kept me up to date on everything and the entire process was flawless and I received funding in just a few days. I would definitely recommend One Source to any of my associates or other businesses needing a business loan. They can and will meet all of your needs and expectations!”
Mark Davis, Prime Steakhouse, Denver CO

Frequently Asked Questions

One Source Financing was founded in 2002 and provides working capital programs to small businesses. We offer three main alternative funding programs: invoice factoring, small business loans and merchant cash advances.
We work with a wide-range of businesses including construction companies, nightclubs, retailers, restaurants, wholesalers, e-commerce vendors and other small businesses. Whether you are a small start-up an upcoming venture or a well known and established local business, One Source has the ability to help you grow.
One Source Financing will transfer a lump sum of cash into your company’s checking account in exchange for a percentage of your future credit card sales until the total amount is remittance. And since your borrowed sum is simply paid through your company’s credit card sales, there is no principal or interest rate.
Your business can receive funds within several days of submitting an application. This program allows much flexibility in managing cash flow, as the loan is only paid back through your credit card transactions. Since the remittance are directly tied to your company’s sales, you don’t need to worry about making remittance or missing deadlines.
You have the freedom to choose how you use your cash as long as it is for your business. As a business owner, you know exactly what the strengths and weaknesses of your company are. You can fund a variety of business purposes including paying taxes, advertising, remodeling, expansion, maintaining payroll and more.
Each business is different and thus requires different terms and conditions. The amount of funding you receive is primarily determined based upon your monthly credit card sales. If a business earns $25,000 from credit card sales, typically the amount of funding that will be available is approximately $25,000 as well.
Daily remittances work with your cash flow. The credit card company will automatically forward us the agreed upon percentage of credit card sales. The percentage is forwarded with each credit card transaction until the entire amount due is collected. This saves you from worrying about making payments and missing deadlines so you can focus on running your business.
Merchant cash advances are offered to businesses in a variety of different industries. Typically, customers who choose equipment leasing are small and medium-sized business owners and have been in business for at least one year, have not filed for bankruptcy and have no large tax liens.
Business owners who do not have a perfect credit rating or collateral to offer are still able to get approved and receive funding. Credit problems in the past may not matter. We look at your business, not your personal life.
Our application process is quick and simple. Our online application is just one page and you need only several minutes of your day to complete and submit it. After you are approved, one of our professionals will be in touch with you to discuss exactly what your business needs most, and provide you with the best business cash advance solution.