April 12, 2024

In the complex world of business finance, managing debt efficiently can significantly impact your company’s growth and stability. While exploring new funding options might seem like a path to financial relief, the strategy of refinancing existing loans with your current lender often presents a more advantageous route. This approach not only streamlines financial management but also strengthens your business’s financial health in the long run. Let’s delve into the benefits of refinancing with the same lender and the drawbacks of seeking new loans from different creditors.

The Advantages of Refinancing with Your Current Lender

  1. Simplified Debt Management: Refinancing your business loans with the lender you’re already working with consolidates your debts, reducing the complexity of managing multiple repayments, terms, and conditions. This simplification can save you time and administrative resources, allowing you to focus more on your business operations.
  2. Better Interest Rates: Your existing lender, familiar with your payment history and business performance, may offer more competitive interest rates for refinancing. This opportunity can result in lower monthly payments and reduced total debt cost over time, enhancing your cash flow and financial stability.
  3. Enhanced Cash Flow: By negotiating a refinanced loan with your current lender, you can potentially secure a longer repayment term. This adjustment spreads out your debt obligations over a more extended period, reducing monthly payments and improving your business’s cash flow, which is crucial for operational flexibility and growth investments.
  4. Stronger Lender Relationship: Maintaining and strengthening your relationship with a single lender through refinancing can lead to more personalized financial services. A lender that understands your business is more likely to offer tailored solutions, flexibility during financial hardships, and quicker access to additional funding when needed.
  5. Lower Fees and Costs: Refinancing can often be associated with various fees, but working with your existing lender might give you leverage to negotiate these costs down. Since your lender is interested in keeping your business, they may offer to waive certain fees or offer a more cost-effective refinancing package.

The Drawbacks of Seeking New Loans from Different Lenders

  1. 1. Increased Financial Complexity: Taking on new loans from different lenders adds to the complexity of your financial management. Juggling multiple accounts, terms, and payment schedules can strain your administrative resources and lead to potential mismanagement.
  2. 2. Higher Interest Rates and Fees: New lenders lack a relationship with your business and, consequently, may perceive you as a higher risk, often resulting in higher interest rates and additional fees. This increase in cost can significantly impact your financial health and long-term debt obligations.
  3. 3. Impact on Credit Score: Applying for new loans requires hard inquiries into your credit report, which can temporarily lower your credit score. Additionally, managing multiple new credit accounts can increase the risk of missed payments, further damaging your credit rating.
  4. 4. Loss of Negotiation Power: By spreading your debt across multiple lenders, you may dilute your negotiation power. A strong relationship with a single lender often provides leverage in negotiating terms or seeking relief during financial challenges.
  5. 5. Administrative Burden: Each lender has its own set of loan management tools, reporting requirements, and points of contact. Managing relationships and compliance with several lenders can become an administrative burden, diverting valuable time and resources away from your core business activities.

In conclusion, while seeking new funding avenues might seem like an attractive option for financial relief, the benefits of refinancing with your current lender are substantial. This strategic approach can simplify your debt management, improve cash flow, and foster a stronger partnership with your lender, ultimately supporting your business’s growth and financial health.


Ready to explore your business funding options? Reach out to Onebox Funding for personalized services that cater to your unique financial needs! CONTACT NOW

January 9, 2024

Understanding the Debt-to-Income (DTI) ratio is vital in the realm of business financing. For entrepreneurs and business owners, a clear grasp of your DTI ratio can be a game-changer in securing the right loan. This article sheds light on the significance of DTI in the loan application process, particularly from the perspective of a loan brokerage like Onebox Funding, and how it influences your ability to secure favorable loan terms.

What is Debt-to-Income Ratio?

DTI is a crucial financial metric used by lenders, and assessed by lenders and brokerages like Onebox Funding, to gauge a business’s ability to manage existing debt and take on new loans. It’s calculated by dividing your monthly debt payments by your gross monthly income. A lower DTI suggests a healthier balance between debt and income.

The Role of DTI in Business Loan Brokering

  1. Assessing Loan Suitability: As brokers, we use DTI to match you with lenders who are more likely to approve your loan application.
  2. Enhancing Loan Approval Odds: Maintaining a DTI ratio within acceptable limits enhances your attractiveness to potential lenders.
  3. Negotiating Better Terms: A favorable DTI can be leveraged to negotiate more advantageous loan terms on your behalf.

How to Calculate and Improve Your Business’s DTI

Calculating your DTI involves totaling your monthly debt obligations and dividing this by your gross monthly income. Improving your DTI can be achieved by reducing debts, increasing income, or restructuring existing debts.


Your DTI ratio plays a pivotal role in the business loan brokering process. Understanding and optimizing your DTI ratio opens up better loan opportunities. As a brokerage, Onebox Funding focuses on evaluating your DTI to connect you with the best lending options suited to your business’s financial health.


Ready to explore your business loan options with an optimized DTI? Reach out to Onebox Funding for personalized services that cater to your unique financial needs! CONTACT NOW

December 18, 2023

The holiday season presents a unique challenge and opportunity for businesses. It’s a bustling time filled with potential for growth and customer engagement, but it also demands strategic agility and foresight. Onebox Funding, with its keen understanding of business dynamics, offers insights on how to navigate this crucial period effectively. In this article, we’ll share key strategies, underpinned by Onebox Funding’s expertise, to help your business excel during the festive rush.

Understanding the Holiday Consumer Mindset

Success during the holidays starts with grasping the consumer mindset. Shoppers are often pressed for time, hunting for deals, and prone to impulse buying. They’re also more receptive to holiday-themed promotions. Onebox Funding recommends tailoring your approach to these behaviors for a significant uptick in sales and customer satisfaction.

Essential Tips for Holiday Business Success

1. Plan Inventory and Staffing Proactively

Effective forecasting, a principle advocated by Onebox Funding, is vital. Review past sales data to anticipate product demand. Keep your inventory well-stocked and consider augmenting your team with temporary staff to manage the seasonal workload. This foresight in staffing and inventory management not only enhances customer service but also alleviates stress on your regular employees.

2. Cultivate a Festive Shopping Environment

Transform your physical or online presence with holiday themes. As Onebox Funding observes, this isn’t just about looks – it’s about forging an emotional connection with your clientele. A festive ambiance can elevate the shopping experience, encouraging customers to linger and spend more.

3. Maximize Digital Marketing Efforts

Onebox Funding emphasizes the power of digital marketing during the holidays. Utilize social media and email campaigns to highlight your holiday specials. Craft engaging, festive content that stands out in the flurry of holiday promotions.

4. Prioritize Outstanding Customer Service

The holiday rush can be a pressure cooker for shoppers. Providing excellent customer service, a cornerstone of Onebox Funding’s philosophy, can distinguish your business. Equip your staff to manage high-pressure situations with grace and efficiency. Consider extending business hours or offering online support for added customer convenience.

5. Implement Smart Promotional Strategies

Enticing promotions and discounts can lure in more customers, a tactic often endorsed by Onebox Funding for its effectiveness. Plan these promotions carefully to balance customer attraction with profit margins. Flash sales, loyalty programs, or bundle deals can be particularly effective.

6. Ensure a Smooth Checkout Experience

A seamless checkout process is crucial, especially during the holiday rush. Onebox Funding advises ensuring that your payment systems are robust and offering multiple payment options. For online businesses, a straightforward checkout process is key to minimizing cart abandonment.

7. Plan for Post-Holiday Operations

Post-holiday activities such as returns, exchanges, and sales should be planned in advance. A clear and fair return policy is essential for building customer trust and loyalty, as recommended by Onebox Funding.


Navigating the holiday season requires more than just reacting to increased demand; it calls for strategic planning and customer-centric approaches. your business can not only survive but thrive during this festive season. It’s an ideal time for boosting sales and, more importantly, for cultivating lasting customer relationships. Leverage these strategies and insights for an effective and prosperous holiday season. With Onebox Funding’s guidance, your business is well-equipped to navigate the festive challenges and opportunities, ensuring both immediate success and long-term growth.


Ready to Elevate Your Business This Holiday Season?
Don’t let the festive rush overwhelm you. With Onebox Funding by your side, navigating the holiday business landscape is not just easier, but more profitable. Contact us today to discover how our tailored financial solutions can empower your business to thrive during the holidays and beyond. Connect with Onebox Funding now and turn this holiday season into a time of unparalleled success for your business!


November 17, 2023



In the world of business financing, transparency and trust are the cornerstones of a successful partnership. At Onebox Funding, we understand that securing a business loan or a cash advance is a significant step for entrepreneurs, and we’re committed to making the process seamless and worry-free. One key aspect of our funding process that often raises questions is bank verification. In this article, we’ll delve into the importance of bank verification, assuaging any concerns you may have and shedding light on the crucial role it plays in ensuring a robust and secure funding experience.


Why Bank Verification Matters?

Bank verification is a critical step in the funding process, serving two primary purposes: validating the accuracy of the financial information provided by the client and ensuring the integrity of the financial landscape. Let’s explore these aspects in detail.

  • Ensuring Accuracy in Financial Statements:

One of the main reasons we incorporate bank verification is to validate the financial statements provided during the underwriting process. This verification step helps confirm the accuracy of the information supplied, giving both Onebox Funding and the client confidence in the financial data being used to assess eligibility. This meticulous process safeguards against unintentional errors, promoting a more accurate representation of the business’s financial health.

  • Preventing Overlapping Funding:

In the dynamic world of business finance, it’s crucial to prevent any overlapping funding that could potentially strain a business’s financial stability. Bank verification allows us to ensure that no other funding has been acquired in the current month, providing a comprehensive picture of the client’s financial commitments. This, in turn, aids in responsible lending practices, safeguarding the financial well-being of the business seeking funding.


Potential Concerns:

We understand that sharing sensitive financial information can be a cause for concern. However, rest assured that Onebox Funding prioritizes the security and privacy of your data. We partner with trusted third-party verification companies like Plaid and Decision Logic, ensuring a secure and seamless process. These industry leaders specialize in bank verification services, employing robust security measures to protect your information.


Key Benefits of Bank Verification with Onebox Funding:

  • Streamlined Process: Bank verification enhances the efficiency of the funding process, reducing the time it takes to approve and disburse funds.
  • Enhanced Trust: By incorporating bank verification, Onebox Funding demonstrates its commitment to transparency, fostering trust between us and our clients.
  • Secure Technology: Our partnership with leading verification companies such as DecisionLogic and Plaid ensures the use of cutting-edge, secure technology to protect your sensitive financial data.



At Onebox Funding, we view bank verification as a tool to empower businesses on their financial journey. By ensuring the accuracy of financial statements and preventing overlapping funding, we pave the way for a transparent, efficient, and secure funding process. Your financial well-being is our priority, and bank verification is a crucial step in building a foundation of trust between us and our clients. Partner with Onebox Funding, and let’s navigate the path to financial success together

December 6, 2022

The holiday season is a crucial time for businesses, as it can make or break their annual revenue. As a business owner, it’s important to prepare your business for the influx of customers and increased demand. One way to do this is by using a company like Onebox Funding to secure the necessary financing to stock up on inventory and hire additional staff.

Here are 4 key points to help you prepare your business for the holiday season:

  1. Plan ahead

The holiday season is a busy time for businesses, so it’s important to plan ahead. This means forecasting your sales, ordering inventory in advance, and making sure you have enough staff on hand to handle the increased demand. By planning ahead, you can ensure that you’re ready for whatever the holiday season throws your way.

  1. Offer promotions and discounts

Consumers are looking for deals during the holiday season, so it’s a good idea to offer promotions and discounts to entice them to buy from your business. This could be a percentage off their purchase, free shipping, or a buy-one-get-one-free offer. Whatever you choose, be sure to promote it heavily so that customers are aware of the savings they can get by shopping with your business.

  1. Create a festive atmosphere

The holiday season is a time for celebration, and customers will be looking for businesses that are in the holiday spirit. Make sure to decorate your storefront and interior to create a festive atmosphere that will put customers in the holiday mood. This could include hanging holiday lights, setting out seasonal decorations, and playing holiday music.

  1. Be prepared for shipping delays

The holiday season is a busy time for shipping companies, which can lead to delays in delivery. Make sure to inform your customers of potential shipping delays and offer options like in-store pickup or expedited shipping for an additional fee. By being prepared for shipping delays, you can ensure that your customers receive their orders on time and avoid any frustration or disappointment.

By following these key points and using a company like Onebox Funding to secure the necessary financing, you can successfully prepare your business for the holiday season. This will help you capitalize on the increased demand and ensure that your business has a successful and profitable holiday season.

December 6, 2022

Small businesses are the backbone of the American economy, providing jobs and driving innovation. However, running a small business can be challenging, and one of the biggest obstacles is access to financing. This is where small business loans come in.

OneBox Funding is a leading provider of small business loans. We understand the unique challenges that small businesses face, and we offer a range of loan options to help them grow and thrive.

One of the biggest advantages of small business loans is that they provide the capital that businesses need to invest in their operations. This can include purchasing equipment, hiring new employees, or expanding into new markets. With a small business loan, small businesses can access the funds they need to take their operations to the next level.

Another benefit of small business loans is that they can be tailored to meet the specific needs of the borrower. This means that businesses can choose the loan terms that best fit their financial situation and growth plans. At OneBox Funding, we offer flexible repayment terms and competitive interest rates to help small businesses succeed.

OneBox Funding is committed to supporting small businesses. Our team of experienced lending professionals is dedicated to helping businesses find the right loan for their needs. We offer personalized service and quick turnaround times, so businesses can get the funds they need quickly and easily.

If you are a small business owner looking for financing, consider a small business loan from OneBox Funding. We are here to help your business grow and succeed. Contact us today to learn more about our loan options and to get started.

September 23, 2019

Your senior year of high school is a time for preparing yourself for college and really having a good think about what you want to do with your future. Although you might not be ready to jump right into building your career, which is understandable, there are a few things you can do to get yourself a head start on building your career in the most effective way. Here are some tips that will propel you ahead of your colleagues, and help you excel at business even before your career gets off the ground.

Connect With Influencers and Business Owners

The world is moving more and more towards individual influencers and entrepreneurs, so it’s a good idea to start watching and with connecting with them. Since you’re most likely already  on Instagram, it’s a good idea to start following influencers and other profiles that were successful in areas of interest to you. If possible, try to connect with business owners (through Instagram or other means) and get the inside scoop on their day to day routines.

Get Experience Interning or Volunteering

The prospect of working for free might be a turnoff to some, but there is something invaluable about an internship or volunteering. As an intern at a place of business, you get the rare opportunity of learning the inner workings of that company without the necessary qualifications to get a paying job. Not to mention, an internship or two looks incredible on your resume. If you have the opportunity (and the time) to do an internship or volunteer somewhere, definitely go for it.

Actually Start Your Business

If you’ve been planning and thinking about your business for a long time, and the only thing stopping you is that you think you’re too young or that you need to finish school first – start anyway! Even if you are not ready to go full time, start building your website. Begin making connections and talking to like-minded people about your ideas. You can even start a Kickstarter campaign in the meantime to gather funding for your project. If you feel like you can get started now, give it a try! Worst case, you’ll gain some great experience and give it another go when you’re more ready.

You’re young and you have the whole world ahead of you. Now is the time to get yourself a headstart so, by the time you are ready to walk out into the wide world of business, you will be more than ready.

Ready to take the first step to reaching your financial goals? Click here for a FREE quote from Onebox Funding, and find the best loan with the lowest rates, today!


September 16, 2019

Your senior year of high school is a time for preparing yourself for college and really having a good think about what you want to do with your future. Although you might not be ready to jump right into building your career, which is understandable, there are a few things you can do to get yourself a head start on building your career in the most effective way. Here are some tips that will propel you ahead of your colleagues, and help you excel at business even before your career gets off the ground.

Make Yourself a LinkedIn Profile

You probably already have accounts on Facebook, Instagram, and Snapchat, but you really want to make yourself a LinkedIn profile. Once you create yourself a profile with a professional image of yourself, (even if you don’t have any working experience quite yet), you can utilize LinkedIn for its excellent networking opportunities. You can start joining groups surrounding topics you are interested in, and you can begin making connections (aka friend requests) to people in fields you might find relevant to you and your future career dreams.

Get a Job – Even If It’s Not The One You Want

Although miracles do happen, more likely than not, you won’t find yourself landing your dream job right out of high school. That being said, it’s a really good idea to get yourself a job, even one that’s part-time as soon as possible. Having a “real job” (one with a boss, when you are actually on the clock) will prepare you for the working world after you finish school. You will be able to dip your toes into the world of hours, shifts, taxes, bosses, and all types of coworkers. Not to mention it’s a great feeling to start earning your own money, and it might give you  that extra drive for success once you start your real career.

Find Yourself a Mentor

It could be a favorite teacher or professor, or it could be your best friend’s mom. Whoever it is, finding yourself a good mentor who you admire and trust is worth its weight in gold. Not only will you be able to see and learn, first-hand, from someone who has already been through it, but you will always have that person to ask questions to and to bounce ideas off of. A second (knowledgeable) opinion is priceless.

You’re young and you have the whole world ahead of you. Now is the time to get yourself a headstart so, by the time you are ready to walk out into the wide world of business, you will be more than ready.

Ready to take the first step to reaching your financial goals? Click here for a FREE quote from Onebox Funding, and find the best loan with the lowest rates, today!

September 9, 2019

There are a number of different types of small business loans entrepreneurs and company owners alike can take out to help them fund their businesses. In all cases, lenders require certain criteria to be met in order for them to approve your small business loan. They might ask for your credit score, your tax documents, even bank statements. Some lenders will even ask for you to put up one of your assets as collateral for the lent money. Although this is an option that many lendees take, we are suggesting that it might not be the best idea for a small business owner. Here are 3 reasons why you might want to pass on the collateral-required loans.

1. Long Processing Time

If a lender is asking you to put up an expensive asset as collateral, the idea behind it is that you have placed something of equal value to the money you’ve borrowed, on the off chance that you are not able to repay it back to the lender. This seems simple enough, however, unlike a solid loan amount which can be counted, the asset you put up (such as your home or your car) does not come with an exact price tag. It will take time for the lender to check in on your asset that you’ve offered up, to make sure of its value. This type of loan can take much longer to approve than a loan that only requires a credit check, where the numbers are laid out in front of you on your statements.

2. Lack Of Ownership

Maybe you’re just starting out in the business world, and you want to build your business and take it to the next level. Just because you have your business (or only your business idea), does not mean that you happen to own a worthwhile asset that could be used as collateral. The idea of your business is to eventually be making good money for yourself and your employees so that you will be able to buy your own home or your own luxury vehicle, but most people do not start out already owning them. Instead, go for a loan that doesn’t require you to put up assets as collateral, and then grow your business until you have enough to buy the assets of your dreams.

3. Risky Business

So, let’s say you take out a loan, go all-in for your business, and it fails. Unfortunately, this does happen from time to time, and sometimes it happens after you’ve already spent all of the cash you owe. If you’ve put your assets up as collateral, you will have a much harder time trying to find a new place to live, than finding a way to simply pay back the money. You could always take out other loans that can consolidate your debt until you get back on your feet. However, if you’ve put up your house to back the lent funds, you’d be in a much more difficult situation.

Ready to take the first step to reaching your financial goals? Click here for a FREE quote from Onebox Funding, and find the best loan with the lowest rates, today!

September 2, 2019

Taking out a small business loan can be a great relief and help for many entrepreneurs and business owners. With the right knowledge and understanding, getting funding to help get a company on its feet can be rather simple to do and very rewarding in the end. However, if you are considering taking out a loan to help fund your business, there are a few questions you should ask yourself before putting in your application.

1. How Much Money Do I Actually Need?

When presented with the opportunity of a lump of cold, hard cash just handed to you, it might be tempting to just take out a bulk of it and use it to your heart’s desire. However, a small business loan is far from being “free money”. In fact, taking out funding without seriously understanding all of the costs and risks that come with it can land you in some very hot water. Before applying for a loan, it’s important to do the math about how much money you will really need to cover the certain expenses you deem important and urgent. Otherwise, you might find yourself stuck in some bottomless debt.

2. What Exactly Will I Use This Money For?

Just like knowing the exact amount of money you need to take out is imperative, knowing exactly what that money will go for is just as important. You need to have a plan for what you will use your funding for, so you can make sure that you don’t frivolously spend your funding. Without becoming too rigid, as the business world is always changing, you need to at least have a set of specific goals you wish to accomplish with this small business loan. Having written goals will not only keep you organized, but it will also help you track your progress and see what aspects of your business really benefitted from the loan.

3. How Confident Am I In My Business?

This is a big one. Unless you are sure that your business plans are solid, you should maybe wait with taking out money that will need to be repaid with the profits of your company. Of course, that’s not to say you should avoid all business loans because you are not 100% sure that you will be successful, nobody can actually know that. However, you need to have a pretty solid plan and a mapped out list of goals and expectations, as well as confidence in yourself and in your business idea before you get yourself into debt.

Ready to take the first step to reaching your financial goals? Click here for a FREE quote from Onebox Funding, and find the best loan with the lowest rates, today!