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.

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
We lend to over 700 industries.

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

Loan Advisor
New York, NY

Apply Online

Send Us an Email:


9:30 am– 7:30pm ET

* 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.