OneClick Commercial Funding

What OneClick Commercial Funding does

OneClick Commercial Funding is a privately held commercial financing company headquartered in Irvine, California, that originates and facilitates loans and credit products for small and mid-sized businesses. Founded and led by CEO Michael Knapp, the company operates a diversified lending portfolio spanning SBA 7a and 504 loans (up to $5 million), commercial real estate financing (including construction, conventional, CMBS, bridge, HUD/FHA, and international programs ranging from $5 million to $1 billion), equipment leasing, franchise financing, healthcare practice financing, merchant cash advances, unsecured business lines of credit, accounts receivable financing, purchase order financing, and consumer financing programs.

The company's go-to-market is sales-led, combining direct outreach by finance professionals who guide applicants through a no-cost, no-obligation consultation with a formal broker and referral partner program that compensates partners through commissions on funded agreements. Revenue is generated primarily through origination fees, interest rate spreads, and transaction fees across its lending products. The company operates on established lending frameworks rather than a proprietary technology platform; no mobile application, API, SDK, or AI-driven underwriting capabilities are disclosed, and the website is built on a standard WordPress foundation established around 2019.

The company primarily serves California-based businesses, with dedicated regional landing pages for Irvine, Los Angeles, San Diego, and San Francisco, while marketing international commercial real estate financing capabilities. Its customer segments span small businesses broadly, as well as healthcare providers, franchise owners, commercial real estate investors, equipment-dependent firms, B2C consumer-facing businesses, and companies needing working capital or accounts receivable liquidity. Strategic partnerships include a formal relationship with the U.S. Small Business Administration to facilitate government-backed small business loans.

Name

OneClick Commercial Funding

Legal name

OneClick Commercial Funding

Website

https://oneclickcommercialfunding.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

OneClick Commercial Funding is a privately held Irvine, California-based commercial lending broker that originates SBA loans, commercial real estate financing, equipment leasing, merchant cash advances, and other credit products for small and mid-sized businesses across California.

Ownership category

akta.pro rank

Product category

Commercial Lending

NAICS

Other Nondepository Credit Intermediation (52229), Nondepository Credit Intermediation (5222), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), Commercial/Non-Residential Construction-to-Perm Financing (FSALAHAE)

Keywords

• Commercial lending
• Small business loans
• SBA financing
• Equipment leasing
• Working capital solutions

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Commercial Loan Origination: OneClick Commercial Funding earns revenue through originating and facilitating various commercial loans including SBA loans, commercial real estate financing, equipment leasing, and working capital solutions. Revenue is generated through interest rates and origination fees on loans provided to businesses.
2. SBA Loan Facilitation: The company facilitates SBA 7a and 504 loans up to $5 million, earning fees for the origination and processing of these government-backed small business loans.
3. Merchant Cash Advance: Provides merchant cash advances up to $200,000 per business location, with repayment through a percentage of credit card sales. Revenue generated from the advance amount and associated interest/fees.
4. Unsecured Business Lines of Credit: Offers unsecured lines of credit typically starting at $25,000 and extending up to $500,000. Revenue generated through interest rates on drawn amounts and potential fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

OneClick Commercial Funding is a commercial financing company that originates and facilitates a diversified portfolio of business loans and lending products, including SBA small business loans, commercial real estate financing, equipment leasing, franchise financing, healthcare financing, merchant cash advances, unsecured lines of credit, and accounts receivable financing. The company serves businesses of all sizes, with loan sizes ranging from $25,000 to $1 billion across various programs.

Product overview

OneClick Commercial Funding is a commercial financing company offering a diversified portfolio of lending products. The core offerings include SBA small business loans (up to $5 million), commercial real estate financing (construction, conventional, CMBS, bridge loans ranging from $10 million to $1 billion), equipment financing, franchise financing, healthcare financing, and consumer financing programs. The company also provides working capital solutions through merchant cash advances (up to $200,000) and unsecured business lines of credit ($25,000-$500,000). Asset-based lending products include accounts receivable financing and purchase order financing. The product portfolio is designed to serve businesses of all sizes from startups to established enterprises, with specialized programs for different credit profiles and industry sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Small Business Loans (SBA) SBA loans providing financing up to $5 million with terms up to 25 years, including SBA 7a and 504 programs for small business needs. Features up to 90% financing, full amortization, fixed or variable rate options, and no prepayment penalties.
• Commercial Real Estate Financing Comprehensive commercial real estate financing including construction financing ($10M–$100M), equity/mezzanine financing ($5M–$100M), conventional loans (up to $100M), CMBS loans (up to $50M), international financing ($50M–$1B), bridge loans (up to $100M with 80% LTV and 14% variable rates), and government agency loans (HUD/FHA up to $50M).
• Stated Income Commercial Real Estate Loans Property-value-based financing up to $500,000 with LTV ratios ranging from 65–75% depending on property type, featuring simplified approval based on property value rather than credit history. Minimum 600 credit score, fixed rates with terms up to 25 years.
• Equipment Financing Equipment leasing solutions for industrial companies including startup programs, subprime credit programs (B, C, D credit), safe & lease back options, and government/municipal leasing. No financial statement required for applications up to $150,000, with several payment structures and minimal or no down payment.
• Franchise Financing Financing for franchise establishment covering remodeling, construction, real estate, equipment, refinancing, and acquisitions with terms up to 25 years, rates starting at 6%, and LTV up to 90%. No prepayment penalties; first-time owners welcomed; additional working capital funds available.
• Healthcare Financing Specialized lending for healthcare practices including practice acquisition, working capital, medical equipment leasing, and debt consolidation. Loans from $75,000 or less with streamlined application, or up to $250,000 with full financials. Terms up to 72 months, no upfront payments, no reporting to personal credit bureaus, approval in as little as 24 hours.
• Consumer Financing Financing services enabling B2C businesses to offer payment options and credit limits to their end customers, including bad debt collection, eSignature, and efficient program enactment.
• Accounts Receivable Financing Financing that converts accounts receivable into capital by purchasing receivables at a discount, offering cash in 24 hours with no personal guarantees, no fixed payments, and no recourse. Includes free credit insurance on clients and customers.
• Purchase Order Financing Financing for businesses to take on large or unexpected orders without straining internal finances, enabling growth positioning by funding supplier payments against confirmed purchase orders.
• Merchant Cash Advance Advance on future credit card sales (Visa, MasterCard, Discover, American Express) up to $200,000 per business location with flexible repayment based on daily credit card receipts. No collateral required, no fixed payments, no closing costs, no application fees, and funds received in at least 7 days.
• Unsecured Business Lines of Credit Unsecured credit lines typically ranging from $25,000 to $500,000 with competitive interest rates starting at 0% introductory rates and 1% to 5% over prime for qualified businesses. Credit check fee of $45, pre-qualification in 10 minutes.

Quantifiable outcome

• Cash available in as little as 24 hours for accounts receivable financing
• +3 more outcomes

Segments8 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• BlueVine: SMB-focused fintech providing lines of credit and working capital products; competes for the same sub-$500K working capital and unsecured line of credit segment OneClick addresses.
• SmartBiz: SBA-focused online lender that facilitates SBA 7a loans for small businesses, overlapping directly with OneClick's flagship SBA 7a and 504 origination up to multi-million-dollar ticket sizes.
• OnDeck (Enova): Direct online small business lender offering term loans and lines of credit to SMBs that cannot access traditional bank financing — a comparable alternative for working capital customers OneClick serves.
• Rapid Finance: Small business financing provider offering working capital, merchant cash advances, and SBA loans through a direct and partner-driven channel — competing head-on in MCA and small-dollar commercial credit.
• Lendio: SMB lending marketplace that connects borrowers with a network of lenders, operating a very similar broker-and-referral model across SBA loans, lines of credit, and working capital products aimed at U.S. small businesses.
• Biz2Credit: SMB lending marketplace that matches borrowers to lenders for SBA loans, working capital, and commercial credit — directly overlapping OneClick's broker-facilitated origination model.
• CAN Capital: Long-standing small business financing provider focused on working capital solutions and term loans for SMBs — directly competes for the cash-flow-stressed customer segment OneClick targets.
• Credibly: Specialty small business funder offering working capital, merchant cash advances, and term loans to SMBs with non-prime profiles — directly comparable to OneClick's MCA and unsecured line offerings.

Broad incumbents

• Funding Circle: Established SMB lending platform offering term loans and lines of credit to small businesses across the U.S. — broader incumbent competing for the same end customer across ticket sizes.
• Kabbage (American Express): Online SMB working capital and line of credit provider now part of American Express — a scaled incumbent competing for the same small business working capital demand.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 OneClick Commercial Funding