One Park Financial requirements
One Park Financial’s published requirements, checked October 2026: a 500 credit minimum, three months in business and about $10,000 in monthly sales.
These figures come from One Park’s public FAQ. A published minimum is a floor, not an approval promise; the deposits on your bank statements still drive the offer.
| One Park Financial | |
|---|---|
| How it works | Says it does not lend directly; matches businesses with funding partners |
| Minimum credit | 500 FICO minimum |
| Time in business | 3 months |
| Revenue | $10,000 monthly sales |
| Amounts | About $10,000 to $1,500,000 |
| Speed | Offer within 2 hours; funding within 24 hours of signing |
| Products | Revenue-based financing (repayment tied to daily or weekly sales) |
| States | Excludes California and New York |
Sources: One Park Financial FAQ, Trustpilot; checked October 2026. One Park Financial is a trademark of its owner; Merchant Fund Express is not affiliated.
A 500 minimum score puts One Park among the more accessible providers for owners with weaker credit. In revenue-based funding, the score typically matters less than the consistency of deposits, daily balances and existing payments, so a business near the floor should make sure its recent statements look clean.
Three months in business is a short history requirement. Young businesses that meet it should expect smaller first offers than established ones, because the funder has less data to rely on. Steady weekly deposits across all three months strengthen a short file.
The $10,000 monthly sales figure is a revenue floor. If your deposits are close to it, offers will likely be modest. If they are well above it, the amount offered will depend more on your existing obligations and how much payment your account can carry.
Expect the funder to ask about existing advances and loans. Recurring debits on your statements reduce how much new payment your account can carry, so list every current obligation with its balance and payment amount. Undisclosed positions are one of the most common reasons a file stalls after review.
If your business is in California or New York, or your deposits sit below the revenue floor, look for providers with different criteria. A marketplace application lets several funders review the same file, so a business that misses one company’s cutoff may still fit another. Merchant Fund Express starts at a 500 credit score.
Good fit:
Compare first if:
Merchant Fund Express matches one application with multiple funders whose criteria differ from One Park Financial’s, so a file that misses one cutoff may fit another. Credit from 500, same-day decisions, funding typically the next business day.
A 500 FICO minimum, per its FAQ.
Three months, per its published requirements.
About $10,000 in monthly sales.
Recent business bank statements, owner ID and business details; ask for the exact list.
Apply once with Merchant Fund Express to reach multiple funders with different criteria.
Ask directly; disclose every current advance and payment so the offer is sized correctly.
Funders it matches you with may apply their own criteria; the published figures are a starting point.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
