.jpg)
Key Takeaways
Alternative financing options evaluate your business's cash flow and revenue — not just your credit score — making funding accessible even after a bank rejection.
One Park Financial requires only 3 months in business, $10,000/month in gross revenue, and a business bank account to qualify.
Funding amounts range from $10,000 to $1,500,000, with decisions in hours and funds available in as little as 24 hours.
One Park Financial's bilingual team provides a personal, human-first process built around the needs of Latino-owned businesses.
Many Hispanic business owners generate the revenue needed to grow but are turned down by banks because of credit requirements, limited credit history, or collateral requirements. In those cases, alternative financing options evaluate your business's performance instead of relying solely on your credit score.
If you want to compare SBA loans, grants, and other funding options, check out our complete guide to business funding options for Hispanic business owners.
The Gap Traditional Banks Leave Behind
Hispanic business owners face a specific challenge when seeking business funding. Traditional banks rely heavily on credit scores, years of credit history, and collateral — criteria that often disadvantage business owners who are newer to the U.S. financial system, have thinner credit files, or operate in cash-intensive industries.
A credit score of 650 or even 680 is often enough to get rejected by a bank. But that same business — with solid monthly revenue and a clear cash flow pattern — can qualify for funding through One Park Financial.
A Human Process Built for Your Community
One Park Financial was built on the understanding that small business is personal. The moment a business owner submits a form, a real person calls them. One Park Financial's team speaks Spanish and understands the reality of running a family business, a restaurant, a trucking operation, or a retail store in the Latino community.
Banks do not have time for small businesses. One Park Financial was built for exactly that.
Who Qualifies
3 months in business
$10,000/month in gross revenue
A business bank account
No perfect credit required — One Park Financial looks at cash flow, not just your score
Funding from $10,000 to $1,500,000
One Park Financial connects business owners with funding options from $10,000 up to $1,500,000, with decisions in hours and funds available in as little as 24 hours.
Frequently Asked Questions
What credit score do I need to qualify for funding with One Park Financial?
There is no minimum credit score requirement. One Park Financial evaluates your business's cash flow and monthly revenue instead of relying solely on your credit score, which means business owners with a 650 or 680 score who were rejected by a bank can still qualify.
How is alternative business funding different from a traditional bank loan?
Traditional banks focus on credit history, years in business, and collateral. Alternative funding options from One Park Financial focus on your business's actual performance — monthly revenue and cash flow — making funding accessible to business owners who don't fit a bank's rigid criteria.
How fast can I get funded?
Decisions are typically made within hours, and funds can be available in as little as 24 hours after approval.
What are the basic requirements to qualify?
You need at least 3 months in business, $10,000 or more in monthly gross revenue, and an active business bank account.
Does One Park Financial offer support in Spanish?
Yes. One Park Financial's team speaks Spanish and understands the day-to-day realities of running a family business, restaurant, trucking operation, or retail store in the Latino community.
How much funding can my business receive?
One Park Financial offers funding options ranging from $10,000 up to $1,500,000, depending on your business's qualifications.
Your business deserves a real shot. Take the first step and see what you qualify for.
Jonathan Jaimes
Senior Content Manager
One Park Financial's editorial team brings together funding specialists, business strategists, and small business advocates to create practical content for the entrepreneurs we serve.
