One Park Financial

Name

One Park Financial

Legal name

One Park Financial LLC

Website

https://oneparkfinancial.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Alternative Small Business Financing

NAICS

Sales Financing (522220), Other Nondepository Credit Intermediation (52229)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)

Keywords

• Small business financing
• Alternative business lending
• Revenue-based financing
• Working capital loans
• Merchant cash advance

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. Revenue-Based Financing Matching Services: One Park Financial acts as an intermediary connecting small businesses with a network of 30+ alternative lenders and funding providers. The company earns revenue by facilitating financing transactions and matching businesses with appropriate capital products. Their primary product is revenue-based financing, where businesses receive capital in exchange for a percentage of future sales.
2. Standard Membership Plan: One Park Financial offers a free Standard Membership Plan activated upon completing the online prequalification form. The membership provides access to funder matching and customer service, with no upfront charge. Revenue is generated when matched businesses accept funding offers from network partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

One Park Financial connects small and medium-sized businesses with a network of 30+ alternative private business lenders, providing revenue-based financing, working capital loans, and merchant cash advances ranging from $5,000 to $500,000. Customers complete a 2-minute online prequalification with no credit impact, are then guided by a dedicated Business Funding Manager, and can receive capital deposited into their business bank account within 24 hours. Repayments on the flagship revenue-based financing product flex with the business's daily or weekly sales.

Product overview

One Park Financial operates as a technology-enabled revenue-based financing provider and business funding matching service for small and medium-sized businesses. Founded in 2010, the company offers funding ranging from $5,000 to $500,000 through revenue-based financing and working capital solutions. Rather than directly funding businesses, One Park Financial acts as an intermediary, leveraging a network of 30+ funding providers to match businesses with appropriate capital solutions. The core product, Revenue-Based Financing, ties repayments to a percentage of daily or weekly sales, providing flexibility for businesses with fluctuating revenues. The company also offers Working Capital Financing for operational needs and Merchant Cash Advance products through its partner network.

Differentiator

Problem solved

Functional benefit

Brands

• Dream Weaver: A program or initiative under One Park Financial focused on community support and small business dreams.

Products and services

• Revenue-Based Financing One Park Financial's primary offering provides revenue-based financing to small businesses, offering funding amounts from $5,000 to $500,000. Repayments are tied to a percentage of daily or weekly sales, allowing payments to fluctuate with business performance. For SMBs that need working capital but cannot meet bank underwriting standards.
• Working Capital Financing Provides working capital to small businesses for daily operations including payroll, inventory, rent, and equipment. Designed to help businesses maintain operations and growth without interruptions. Targets SMBs needing short-term operational funding.
• Small Business Funding Matching Service A technology-enabled matching service that connects small businesses with funding from a network of 30+ alternative funding providers. One Park Financial acts as an intermediary rather than directly funding businesses, finding the best capital solution through partners such as McKenzie Capital. Available across all 50 US states (excluding California and New York) and Puerto Rico.
• Merchant Cash Advance Alternative financing product available through the platform, providing upfront capital in exchange for a percentage of future sales or receivables. Targeted at small businesses that need fast access to capital.

Quantifiable outcome

• Returning funded customers grew their sales by an average of 20% over the past five years
• +3 more outcomes

Named customers8 records

Segments7 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Two partnerships are on record, tiered supporting and core.

• Orange Bowl CaressupportingStrategic or Co-development Partner · 23 October 2025One Park Financial has supported Orange Bowl Cares, a community initiative by the Orange Bowl organization that benefits South Florida through economic and educational contributions. CEO John Lie-Nielsen actively participates in the Orange Bowl Committee and the 2026 Miami Host Committee for the College Football Playoff National Championship.
• Plaid Inc.coreTechnology or IntegrationOne Park Financial uses Plaid Inc. to securely gather financial data from customers' financial institutions. By using the service, customers grant One Park Financial and Plaid the right to access and transmit personal and financial information from their relevant financial institution. This integration is used to assess business health and funding eligibility.

Scale indicators11 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• Credibly: Credibly provides working capital, merchant cash advance, and small business loans to SMBs, often through funder and ISO partnerships. Like One Park Financial, it emphasizes fast funding, soft-pull prequalification, and a high-touch service model for thin-file borrowers.
• Biz2Credit: Biz2Credit operates a SMB lending marketplace connecting borrowers with banks, credit unions, and alternative lenders, and also offers PPP and term loans. Its marketplace/aggregator structure mirrors One Park's multi-funder matching model.
• Fundbox: Fundbox offers working capital advances and lines of credit to small businesses, integrated into accounting and banking platforms. Its small-dollar, fast-decision model and SMB target overlap closely with One Park's RBF offering.
• CanCapital: CanCapital is a long-standing MCA and small business working capital provider targeting similar subprime / thin-file SMB borrowers. It is one of the more direct competitors in the merchant cash advance space, with comparable product structure and customer acquisition model.
• OnDeck Capital: OnDeck is an established online SMB lender offering term loans and lines of credit to small businesses rejected by traditional banks. While it originates on balance sheet, its target borrower profile and product structure (working capital, fast decisions) are highly comparable to One Park's.
• BlueVine: BlueVine provides invoice factoring, lines of credit, and small business banking to SMBs, with a focus on speed and digital UX. It competes in the same 'alt-to-bank' SMB capital niche, with similar customer pain points around speed, flexibility, and access.
• National Funding: National Funding provides working capital loans, merchant cash advances, and equipment financing to small businesses. Its product mix, SMB target, and inside-sales/funder-broker hybrid model are closely comparable to One Park Financial.
• Lendio: Lendio operates a similar SMB funding marketplace that matches small business borrowers with a network of lenders, including MCA and RBF products. Both companies sit at the aggregator layer rather than originating on balance sheet, and target underserved SMBs nationwide.

Broad incumbents

• Funding Circle: Funding Circle is a broader SMB lending platform offering term loans and lines of credit to small businesses. While more institutional in its borrower profile, it is a comparable online SMB lender competing for the same 'alt-to-bank' segment.

Emerging players

• Accion Opportunity Fund: Accion Opportunity Fund is a nonprofit small business lender providing microloans and working capital to underserved SMBs. It targets a similar underbanked SMB segment, with overlapping missions around financial inclusion, though it uses a nonprofit / community lending model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/1parkfinancial
• Facebookfacebook.com/oneparkfinancial
• LinkedInlinkedin.com/company/9205817

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about One Park Financial