Frequently Asked Questions

OneLend is a business funding marketplace that connects entrepreneurs and business owners with a curated network of lenders. We simplify the funding process by matching you with the best financing options based on your unique business profile.

Unlike a traditional bank that offers its own products, OneLend is a marketplace. We partner with multiple lenders so you can compare offers and choose the best terms for your situation — all from a single application.

Yes. There is no cost to apply or receive offers through OneLend. We are compensated by our lending partners, so our service is completely free for business owners.

We work with a wide range of businesses across most industries, from startups to established companies. Whether you run a restaurant, e-commerce store, medical practice, or construction company, we can help you explore your funding options.

Our streamlined application takes just a few minutes to complete. You will need basic information about your business, including revenue, time in business, and the amount of funding you are looking for.

No. Our initial application uses a soft credit pull, which does not impact your credit score. A hard pull may occur only if you choose to move forward with a specific lender's offer.

For the initial application, no documents are required. If you receive an offer and want to proceed, lenders may ask for bank statements, tax returns, or other financial documentation depending on the loan type and amount.

Most applicants receive initial offers within 24 hours. Some of our lending partners can provide same-day pre-approvals, so you could see options in as little as a few hours.

Absolutely not. You are under no obligation to accept any offer you receive. Take your time to review and compare, and only move forward when you find the right fit for your business.

Our platform presents offers side-by-side with clear breakdowns of rates, terms, monthly payments, and total cost. We also provide a dedicated funding advisor to help you understand each option.

Funding timelines vary by product and lender. Some options, like merchant cash advances and short-term loans, can fund within 1 to 3 business days. SBA loans and other traditional products may take several weeks.

Our team is here to help at every step. You can reach us through our contact page, by email, or by phone during business hours. We also have dedicated funding advisors assigned to every applicant.