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Working Capital Loans

OnePay places short term, working capital loans for small to medium-sized merchants. OnePay fills the void between traditional bank financing and less attractive avenues of financing, such as taking on partners. In short, OnePay is able to secure lending where most banks stop, while allowing you to retain control of your business and meet your business's goals. The rates OnePay secures are some of the most competitive in the marketplace, our application process is simple, and our financing options flexible. Cheaper, Simpler, more Flexible Financing ... that’s What We Do.

  • We can deliver some of the most competitive rates available
  • We have a simple application process & fund quickly
  • We do not increase your loan payments as your sales increase
  • We allow you to pay off your loan early
  • Your loan is with a licensed lender, regulated by the State of California
  • We directly employ a large staff of financing professionals
  • We specialize in restaurants & retailers with less than perfect credit

OnePay understands the unique challenges faced by small to medium-sized restaurant and retail business owners. We know: Traditional bank financing is often not available to you for one reason or another Keeping control of your business is a top priority Taking on partners may not be attractive due to loss of equity (and profits), and Not having working capital to meet your growth strategies is not an option! OnePay secures short-term working capital loans for small to medium-sized merchants every day. We typically place 26, 40 and 52 week loans with varying rates depending on a merchant’s particular credit worthiness and business circumstances, but we are confident that you will find the rates we secure some of the most competitive in the industry. Also, since we provide true loans, you can write off the interest, further lowering your financing costs. Our application and approval process is simple. Typically a loan approval decision on a completed application will be provided within two business days, and once approved, you typically receive your funds in as a little as two to three business days. We know you want financial flexibility, so we permit you to pay off your loan early and seasonal amortizations are available for merchants who qualify. Also, our level of service is second to none. All you need to start the process is to fill out a short credit application and fax us your most recent month’s bank statement and your most recent 3 months’ credit card statements.

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