From working capital to structured term loans, OneBiz Capital provides flexible, direct funding solutions designed to meet your business exactly where it is today.
Keep your business running at full capacity with a working capital loan from OneBiz Capital. Whether you're managing cash flow gaps, gearing up for a busy season, stocking inventory, or covering operational overhead, our working capital solutions deliver the liquidity you need — fast.
Unlike traditional bank lending, our working capital loans are underwritten based on the health and revenue of your business, not just your credit profile. That means more approvals, more flexibility, and capital in your account when it counts.
Revenue-based financing is one of the most flexible business funding structures available today. Rather than fixed payment amounts, remittances fluctuate in proportion to your sales volume — meaning slower months mean smaller payments, and high-revenue months settle faster.
OneBiz Capital's revenue-based financing programs are designed for businesses with consistent sales volume looking for capital that adapts to their business cycle rather than working against it.
For business owners who prefer predictability, our business term loans offer fixed repayment schedules over defined periods. This makes budgeting straightforward and ensures your capital strategy is always aligned with your growth plan.
Term loans from OneBiz Capital are ideal for capital investments, expansion projects, equipment purchases, or any situation where a structured financing approach serves your business best.
Stop waiting 30, 60, or 90 days for customers to pay. Invoice financing from OneBiz Capital lets you convert outstanding receivables into immediate working capital — keeping your operations funded and growing while collections run their natural course.
This is an ideal solution for B2B businesses, contractors, staffing firms, and any company that invoices clients with extended payment terms.
A business line of credit gives you flexible, revolving access to capital that you draw when needed and repay over time. It's like having a financial safety net and a growth accelerator in one — capital ready the moment opportunity or challenge arises.
Unlike a lump-sum loan, you only pay for what you use, making a business line of credit one of the most cost-effective and versatile funding tools available to growing companies.
For qualifying businesses seeking longer loan terms and lower overall cost of capital, SBA-backed loan programs represent one of the strongest financing options available. OneBiz Capital works with qualifying businesses to navigate the SBA process and identify the right program for their needs.
Whether it's an SBA 7(a) loan for general business purposes or an SBA 504 for major fixed asset investment, we guide you through the process with the expertise of a direct financial services partner.
Most OneBiz Capital programs have straightforward qualification criteria. If your business meets these general guidelines, you're likely a strong candidate for funding.
Minimum 6 months in active business operation required for most programs.
Minimum $10,000 in average monthly revenue to qualify for most products.
Your business must be registered and operating within the United States.