Funding Programs

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BUSINESS LINE OF CREDIT

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SBA LOANS

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Factoring loan

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Equipment Financing

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REAL ESTATE FINANCING

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MERCHANT CASH ADVANCE

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PERSONAL FUNDING

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FRANCHISE FUNDING

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BUSINESS ACQUISITION


BUSINESS LINE OF CREDIT

Step 1: Pre-Qualification

The first step toward obtaining unsecured business credit is our pre-qualification process. This is where One Stop Funding Shop trained, FICO certified professionals perform a full assessment of your personal and business credit status. Our No-Obligation Pre-Qualification is designed to quickly get you the answers to 4 questions:

  1. Can we help you get some financing?
  2. How much money can I get?
  3. How long will it take?
  4. How much will it cost me?

So if you have any of those questions then feel free to take advantage of our NoObligation Pre-Qualification process to get some of your questions answered. It only requires a brief credit check, takes just a few minutes, and can be done online or over the phone at your convenience. Before you know it you’ll understand your business funding options. If you are a good fit (or could be, with reasonable effort or changes) we’ll lay out your options in plain English and – with your approval – move to step two.

Note about this step: As an entrepreneur or small business owner we’re sure you’re at least partially aware of how important your personal and business credit profiles are. We have funding options available for you whether your credit is good or bad. Additionally, our Pre-Qualification process does two VERY important things: one, our credit check will be a “soft pull” and will not create any hard inquiries against your credit. Two, we will check your personal AND your business credit reports. The importance of business credit has grown steadily over the last 5 years and especially since The Great Recession. At One Stop Funding Shop we help our clients obtain working capital to start, build, and grow their businesses - we are not a “business credit building” company. If you become a client of ours then we can help you determine if and when you should build your business credit but you should contact us if you need working capital and business funding, not for the sole purpose of building up your business credit.

Step 2: Initial Consultation & Lender Preparation

Depending on your credit status, your business might be eligible for an unsecured business line of credit right now, with no further steps. If so, we’ll proceed right to step three (see below.) However, your credit report might also have “blemishes” that need to be fixed before moving forward in the process.

At One Stop Funding Shop we don’t do credit repair, however in most cases, this is no problem. Our team is comprised of industry veterans who understand the inner workings of personal and business credit better than anyone. We diagnose and pre-underwrite your file for you and we know how to match you with the right lenders based on your credit file, geography, industry, and many other variables.

If you have credit concerns (small or big) that are standing in the way of your financing then we’ve established a team of dependable people who we can refer you to in order to correct the errors on your credit file. Don’t let that discourage you. We know who and where to send you no matter how slight (or big) the issue may be. We dissect your unique situation (on its own merits), understand personal and business credit intimately, and direct you wherever you need to go to get your financing.

If there are issues with your credit, then the lender preparations discussed above take anywhere from a few days to 30-60 days. You are kept aware of updates and important developments every step of the way. In some cases, we may also have some interim financing solutions available for you.

Step 3: Ask about our $50,000 Credit Guarantee

We commonly help startup business owners who are in their first 2 years to obtain between $25,000 - $200,000 or more in low-cost funding. So if and when your business passes our pre-qualification stage One Stop Funding Shop might be able to guarantee you a minimum of $50,000 in spendable, unsecured business lines of credit. It’s our most popular and sought-after funding solution. Of course, the best part is that the funding is delivered with NO collateral and in the form of lines of credit that you don’t have to make payments on until you use them and that you can use repeatedly, over and over again. Typically, most clients receive between $50,000 - $100,000 in their first 30 days but everyone’s situation is unique. Ask our FICO Pro Certified funding advisors about your situation. Could your business benefit from $50,000 or more in low-cost financing that you can use anywhere, anytime, and for anything? We’re a phone call away if you would like to find out more.

Funds Can Be Used To:

  1. Invest in real estate
  2. Finance and business
  3. Personal use
  4. Business Working Capital

How it works

  • Single Free Loan Application

    Step 1

    Complete a single loan free application.

  • Financing Options

    Step 2

    Get the best financing options available for your business.

  • Get Funds

    Step 3

    Get Funds!

SBA LOANS

One Stop Funding Solutions has been helping small business owners and entrepreneurs secure financing through SBA loan programs for years. We specialize in helping business owners successfully apply for the right type of funding to accomplish their short-term and long-term goals.

What is an SBA Loan?

The U.S. Small Business Administration, or SBA, is a federal agency that provides loan guaranty programs and other services to support and encourage the growth and development of small businesses across the United States. It was founded on July 30, 1953, and has delivered over 20 million loans, guarantees, counseling sessions, contracts, and other forms of assistance to small businesses across the country. SBA loans are offered to borrowers through multiple financial institutions.

Loan Purposes

Loans from the SBA are provided for various purposes. These include business start-ups or acquisitions, working capital, owner-occupied real estate, franchise financing, inventory, debt refinancing, equipment, and even improvements and renovations.

Choosing an SBA Lender

One Stop Funding Solutions can help borrowers find the right SBA lender for their needs, and we have the experience needed to make SBA borrowing easier and more convenient for our customers

How it works

  • Single Free Loan Application

    Step 1

    Complete a single loan free application.

  • Financing Options

    Step 2

    Get the best financing options available for your business.

  • Get Funds

    Step 3

    Get Funds!

Factoring Loan

Are you a small business looking for working capital? Are your clients government or commercial businesses that have great credit but take too long to pay? If you answered yes, invoice factoring is the solution you need to fuel your business. Receive an advance up to 95% of the invoice amount the day work is completed or the service is performed. When you are ready to invoice, get the cash you need – fast and efficient.

  No Personal Guarantee & No Collateral Required, 100% Unsecured Funds
  Minimal Paperwork Required, Quickly Get Funded Within a Few Days
  Bad Credit OK, Our Programs are Business Performance Driven

How it works

  • Single Free Loan Application

    Step 1

    Complete a single loan free application.

  • Financing Options

    Step 2

    Get the best financing options available for your business.

  • Get Funds

    Step 3

    Get Funds!

EQUIPMENT FINANCING

Get the Equipment you Need

Is your business struggling with limited cash flow at a time when you really need to invest in some new or used equipment? Or maybe you have money tied up in valuable equipment - money you'd like to access for immediate expenses?

Improve your cash flow. Maximize your competitiveness with One Stop Funding Solutions equipment financing services for the following sectors:
  Construction Equipment Financing Services
  Industrial Equipment Financing Services
  Office & Computer Equipment Financing Services
  Restaurant Equipment Finance Services
  Landscaping Equipment Finance Services
  Transportation Finance Services
  Recreational / Seasonal Equipment Finance Services
  Used Equipment Finance Services

Entrepreneurs and new business owners often make the mistake of using their own money to purchase expensive equipment. They might not realize that there is a more efficient way to get the equipment they need without decreasing critical business capital. Equipment leasing is a much cheaper and easier alternative for financing equipment purchases. Any business that utilizes equipment can take advantage of this product.

Using equipment as collateral, institutions lend to business owners at lower rates (sometimes by 100 to 300 basis points) with longer terms than unsecured financing. A typical equipment loan term extends anywhere from 7 to 10 years (based on the residual value) compared to an unsecured line of credit term of 2 to 5 years. Equipment financing also allows small business owners to claim depreciation on their taxes. An equipment financing loan is available as a floating or a fixed rate line and does not require line rotation.

One Stop Funding Solutions offers a wide range of equipment financing products for both start-ups and well established businesses (businesses older than 13 months are considered well established).

How it works

  • Single Free Loan Application

    Step 1

    Complete a single loan free application.

  • Financing Options

    Step 2

    Get the best financing options available for your business.

  • Get Funds

    Step 3

    Get Funds!

REAL ESTATE FINANCING

For Investor BUY-FIX-SELL Projects.

We can help you build your own Cash Flow Machine by providing you with a reliable, hassle-free source of hard money funding for your real estate investment deals.It takes money to make money, but not all of it has to be your money.This loan program is designed to help Real Estate Investors do more deals by leveraging their capital with O.P.M. “Other People’s Money.” A greater volume of transactions can significantly increase your efficiency and profits.

Rehab Loan Features

  Up to 100% financing of purchase and repairs. Case by case
  2 year loan terms with no pre-payment penalty, giving you the flexibility to quickly finish your investment project.
  Loans as low as $50,000.
  Loans start at 3 points. Repeat clients with good credit history can achieve points as low as 2.
  12% APR – Lower than most private money lenders in the industry
  Super fast funding – 7 day closings
  Easy Approval – Damaged credit OK, no income verification
  Includes funding for rehab costs
  Complimentary investment project consulting

Residential Rental Property Loans

Designed to help Investors build wealth with buy, fix, and hold cash-flow residential properties.

Unique Loan Features

  Financing up 100% of the purchase price and repairs. Case by case
  Loans start at 3 points. Repeat clients with good credit history can achieve points as low as 2.
  3 year loan terms, with an option to refinance for up to 20 years.
  Low as 8% APR for the first 12 months – Lower than most private money lenders in the industry.
  7.50% APR loan refinance option available after 12 – 24 months of ownership.
  Super fast funding – 7 day closings
  Loan amounts starting as low as $50,000.
  Easy approval – Damaged credit OK, no income verification
  Includes funding for rehab costs

Commercial Real Estate

We have programs available to assist our clients in receiving short term and long term commercial loans from $50K to $100MM+. Apartment buildings, Strip malls, Office space, Churches, Hotels, etc... Our loans have been used to finance new construction, provide bridge financing, fund the purchase of non-owner occupied properties and provide real estate-backed lines credit. We assist beginning investors to experienced real estate investors, commercial contractors and small business owners throughout the country.

  Up to 100% financing. Case by Case
  Typically 5 years and 25 year ammorization.
  6% to 13% APR
  Loans as low as $10,000
  7 to 21 days to close

How it works

  • Single Free Loan Application

    Step 1

    Complete a single loan free application.

  • Financing Options

    Step 2

    Get the best financing options available for your business.

  • Get Funds

    Step 3

    Get Funds!

MERCHANT CASH ADVANCE

Merchant Cash Advances are a great financing option for small businesses that accept credit cards. This alternative business financing was created specifically to address the problems of traditional financing options like complicated approval processes, long waiting periods, spending restrictions and high decline rates. You get a lump sum of cash deposited directly into your bank account!

Merchant cash advance is a form of small business funding, similar to fast cash advances, that provides companies with quick access to working capital. A business owner sells a portion of its future credit card revenue to an MCA firm at a discount. This type of small business financing can be classified as "factoring" or "credit card receivables funding." An MCA is not a loan; there are no personal guarantees required.

  Minimum 3 months in business
  No Minimum credit score to qualify
  Need 4 months credit card processing and 4 months bank statements
  No Personal Guarantee & No Collateral Required, 100% Unsecured Funds
  Minimal Paperwork Required, Quickly Get Funded Within a Few Days
  Bad Credit OK, Our Programs are Business Performance Driven

How it works

  • Single Free Loan Application

    Step 1

    Complete a single loan free application.

  • Financing Options

    Step 2

    Get the best financing options available for your business.

  • Get Funds

    Step 3

    Get Funds!

PERSONAL FUNDING

Our alternative funding services are designed for borrowers who do not quite fit traditional financing requirements. We are a lender who thinks beyond "the box". We're the experts to seek when you're getting nowhere with local bankers. If you're tired of worthless traditional financing and are seeking 'above average' amounts of $30,000 to $150,000 in personal loans/CASH (unsecured) and funding amounts exceeding $200,000 in a combination of personal loans, lines of credit, and/or credit lines, the One Stop is the right place! This is not just 'any' type of loan/funding service. We do our best to make sure that we get the maximum funding we can for our clients ...and protect there credit too. We are one of the few companies out there that actually offers true cash loans versus a bunch of credit cards.

We have two programs: Get up to $400,000 in personal unsecured loans. Combine Program #1 and Program #2 for maximum funding.

Program #1

  No Income Documentation Required
  Get Up To $200,000 or more in an unsecured loan line of credit and/or in revolving lines of credits.
  Interest Rates as low as 6.99%
  0% intro rates for the first 6 - 12 months
  No Collateral
  Our credit lines are unsecured
  No liens against any work equipment or property
  NO UPFRONT COST
  We are paid on results only
  No Restriction on Use
  Funding as quick as 5 business days
  No income verification
  No Employment Verification
  No Asset Verification
  680+ credit score
  Funding as quickly as 5 business days

Program #2

  Lite Doc Loan
  Get up to $200,000 in unsecured Cash Loan, true cash.
  Interest rates as low as 6.99%
  Cash Loans are unsecured
  No Upfront Cost
  No Restriction on Use
  No liens against any work equipment or property
  Verified Employment with Paystub
  No Asset Verification
  We are paid on results only
  680+ credit score (we may be able to get your cash loan with credit score as low as 640)
  Funding as quickly as 3 business days

Half of our loan for program #2 may not even require any income documentation. This will depend on your profile and credit score.

How it works

  • Single Free Loan Application

    Step 1

    Complete a single loan free application.

  • Financing Options

    Step 2

    Get the best financing options available for your business.

  • Get Funds

    Step 3

    Get Funds!

FRANCHISE FUNDING

Finance Your Dream Franchise with One Stop Funding Solutions Franchise Business Loans

If you've always wanted to start your own business but have been afraid of the financial risk involved, opening a franchise might be the perfect solution for you. With a franchise, you get all of the independence, responsibility, and potential profit associated with owning your own business. Unlike starting a business from scratch, a franchise comes with a proven business model and a well-known brand, reducing your risk of failure dramatically.

Choosing a Finance Lender

Lenders are well aware of the benefits associated with opening and operating a franchise and are more willing to approve franchise loans than a standard small business loan for a start-up. Franchise business loans typically come with more attractive terms than you are likely to find for any other type of start-up business loan. This is because lenders consider the financial stability, business model, and previous success of the franchise parent company when reviewing a loan application. Banks and alternative lenders are finding franchises to be an increasingly attractive investment. In 2011, the SBA reported approval of $1.5 billion in 7(a) loans for franchises, up from approximately $826 million the previous fiscal year. The 7(a) loan-guarantee program is the SBA's most popular loan program.

How it works

  • Single Free Loan Application

    Step 1

    Complete a single loan free application.

  • Financing Options

    Step 2

    Get the best financing options available for your business.

  • Get Funds

    Step 3

    Get Funds!

BUSINESS ACQUISITION

The Business Acquisition Loan Program: Secure a business acquisition loan quickly with favorable terms.

The financial recession that started in 2008 has affected nearly every aspect of the business world. The financing industry experienced perhaps the biggest change.Banks have become tight with credit and loan approval rates have dwindled as a result. Business acquisition loans are no exception. Banks that became accustomed to financing up to 80% of a purchase are now typically funding only around 50%. This means larger down payments are required from the buyers and seller financing is becoming more and more common.

According to a recent article in Inc. Magazine, the credit crunch led to an increase in seller financing after the Great Recession. The article explains that securing capital and the best financing terms for an acquisition can be challenging and has resulted in changes in the financial system.

Now, here is some good news:

Securing business acquisition financing with more favorable terms IS possible. A business acquisition loan simply requires a little more preparation and flexibility by both the buyer and seller. Business acquisition financing can be used for financing the purchase of an existing company, refinancing, or purchasing a franchise.

How it works

  • Single Free Loan Application

    Step 1

    Complete a single loan free application.

  • Financing Options

    Step 2

    Get the best financing options available for your business.

  • Get Funds

    Step 3

    Get Funds!