A+ Rating
With the Better Business Bureau
$14 Billion
Delivered to Businesses Globally
The perfect
combo of speed and service.
And it’s easy to get started.
![](wp-content/uploads/2019/10/3steps-Short-copy.png)
Step 1. Complete the application
Our application is pretty simple, and you can apply online or over the phone.
Step 2. Get a decision
Your dedicated loan advisor will review your options with you.
Step 3. Receive your funds
Complete the online checkout and receive your funds as soon as the same day.*
Your
business needs options.
We’ve got different loans available for you.
Onegem Financial Line of Credit
Use
for managing cash flow,
such as buying inventory
or making
payroll
Get
a revolving credit line,
with access to cash
when you need it
Loan amounts of $6K–$100K
12-month
repayment term, resets after
each withdrawal
Onegem Financial Term Loan
Use
for investments in your business,
such as
expansion projects
or large purchases
Get
a one-time lump sum of cash upfront,
with the option to apply for
more when you’re
halfway paid down
Loan amounts of $5K–$250K
Repayment
terms up to 24 months
Minimum eligibility requirements for an Onegem Financial Term Loan or Line of Credit
![Minimum requirements: 1 year
in business, personal FICO score of 600, business annual gross revenue
of $100k, business checking account](wp-content/uploads/2021/06/min-requirments%402x.png)
Online doesn’t have to mean impersonal – with Onegem Financial you get real people to talk to.
Your dedicated, U.S. based loan advisor is available to help you every step of the way.
Monday – Friday
9:30 a.m. –
7:30 p.m. ET
Apply Online
* Same Day Funding is only available in
certain states, for term loans up to $100K. Eligibility window is
Monday-Friday before 10:30am EST. If checkout is done before
10:30am EST, funds will be available by 5pm local time the same
day. If checkout is done after 10:30am EST, or on a weekend or
Group holiday, it will not qualify for Same Day Funding and funds
will be deposited within 2-3 business days. Eligibility rules
around creditworthiness and length of term loan apply.
Eligibility
for the lowest rates is very limited, available only to businesses
with the strongest creditworthiness and cash flows, and typically
businesses that have shown an excellent payment history on prior
loan products with Onegem Financial . The average rate for term
loans is 62.1% APR and the average rate for lines of credit is
48.9% APR. Averages are based on loans originated in the half-year
ending March 31, 2022.