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!


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.

November 30, 2017

The loan underwriting is a process undertaken in order to analyze the data provided by the loan applicants. In addition, the credit score is being reviewed prior to the assessment – whether a certain applicant meets the minimum criteria for a loan or not. As a part of the loan underwriting process, all of the data is analyzed, verified and then summarized so the lenders can figure out the status of the applicant.

So, here are the three things that underwriters should look for  when applying for a loan:

Get to Know the Applicant’s Personal Status

It is important to understand the borrower’s personal information before giving them a chance to acquire the loan approval. By knowing who they are and what they do, you can definitely assess the right move for them.

The underwriters will thoroughly review the applicants, including their credit score, monthly gross revenue, and other related matters. Other key characteristics to be considered will be the applicant’s age, residential status, employment status, loan purpose, loan amount, and the numbers of earners in the house.

All of these will help the underwriters analyze and summarize the personal data of the borrower. This will help both parties make the process fast and easy with the proper cooperation.

Get to Know the Applicant’s Bank Statements

The underwriters need to review the applicant’s bank statements. The underwriters need to ask for recent bank statement copies of the borrower at the time of the underwriting process. This will help the underwriters understand how the borrowers manage their money. Also, the bank statements should not be overlooked, as it confirms the following data:

  • Applicant’s real full name and address
  • Applicant’s salary credits (to see if they are on a regular amount and on a regular basis)
  • History of the general transactions (whether they are on a regular payment made to the credit agreement)
  • To see if there are any unpaid or a reserved transaction
  • Use of an unauthorized credit limit

All of this data on the applicant’s bank statements has the impact on the loan, so this should be taken into account, as well.

Applicant Credit Search

The underwriters must use an electronic identification process by effectively connecting with the reference agencies so the identities of the borrowers will be identified. The underwriters need to compare the key credit score and information of the borrowers such as credit cards, mortgage, loans, as well as bank statement status towards the disclosed data in the application.

Aside from these three essential aspects, the lending company should also take a look at the potential financial frauds to avoid issues along the way.

November 13, 2017

Whatever the size of your business, a well-managed budget plays an essential role in your success. Nevertheless, being a small business owner, you might be pressured to manage your budget correctly. You will also encounter a difficulty with back-up funds. For you to make a profit and balance other expenditures, you have to create a strong, concrete and effective budgeting plan ahead of time.

Money or finances is a complicated topic to deal with. But lack of efficient financial planning could cause your startup to fail in an instant. By spending your time to focus on your budget, you will not use your precious time on expenses. You will heed on your business instead. So, how are you going to manage your principal effectively?

Budget by department

Even though your startup might be small and may not have many departments, it is imperative to manage your budget just like large corporations do. You can take your past financial plan as your guideline and base your future budget on it. That way, you can determine where your leftover budget came from, which departments met their goals, etc.

You can also hire a professional who specializes in this process for a more effective and efficient departmental budget.

Always plan ahead

Looking ahead at the calendar of your business is useful. You can start by asking yourself what your future expenses will be. It is also significant to focus on the larger aspects of your business such as new staff recruitment and office renovation.

To utilize your money properly, plan out your expenses and consult with your team, so you don’t find yourself at a point where you have underestimated your budget.

Be ready to experience the worst scenarios

Unexpected expenses can be your worst nightmare. You have to be prepared to experience such problems. You should always have an emergency fund in case you fall into a financial dilemma.

In case you do not have a backup budget, do not worry as there are companies that provide small business loans. OneBox Funding can help you find the right loan for your business.

Learn how to prioritize

If your business has been  making high revenues for the past few months, make sure to prioritize your expenses so you don’t find your self in a loss. It will help you reduce unnecessary costs and balance your financials.

When your budget is not enough to meet your goals, why not consider OneBox Funding. As long as you can pay your debt, you have high chances for a loan approval with fair interest rates.

October 24, 2017

Many people are too busy at work to take breaks. The workload is overwhelming and you frequently feel stressed. Stress takes up a significant amount of cognitive and emotional bandwidth, which soon enough will result in lack of motivation. Your to-do list is always full of tasks and you often feel tired or drained of energy. The solution? Take a break.

Discover the reasons why you need to take breaks at work.

Small Mistakes

When you find work too much and you cannot avoid making small mistakes, it means its time for you take a break. You cannot avoid blunders from work.

When you feel burned out, mistakes are much easier to make.

When you are already burnt out of work, it is likely for you to slip up more than you would normally do. All employees can get caught into a moment that they feel they are no longer happy at their workplace. Restoring your energy is crucial, the best solution is taking a break.

Tired and Irritable

Do you wake up in the morning and by noon, you just feel like you need a nap? Unfortunately, most workplaces frown upon napping. Make sure to take a few short breaks at work to walk around, stretch out and get some fresh air. “Your calm mind is the ultimate weapon against your challenges. So relax.”
Said Bryant McGill

Lack of Focus

Do you often spend your time looking at your phone? Do you look at your screen and find yourself drifting off? One of the more common issues at work is being able to focus for many hours. Taking a break will clear your mind and allow you to regain your focus. Some studies have shown that the mind solves its stickiest problems while daydreaming. That’s because the relaxation associated with daydream mode “can allow the brain to hook up and return valuable insights

Lack of motivation

When you are not motivated to wake up in the morning to go to work, you will not be performing well. A motivated person tends to feel good and does well at work. Your motivation must be consistent. However, if your motivation has been low for a while and you are not living up to your full potential, you should consider taking a short vacation. Taking a break from work will guarantee you become more productive. Taking any sort of vacations is important once in a while.

October 19, 2017

Every business operates successfully as a result of its stability when it comes to finances. However, there are some companies who would avail business loans in order to maintain the operations. But not all companies are able to pay their debts successfully. As a result, they acquire bad credit and their credit score is affected.

A business with bad credit may harm its reputation. As we all know, consumers trust companies that they know are stable and will never have a problem when it comes to money. If your business has bad credit, you better fix it right away to avoid affecting your credit score.

Furthermore, there are companies who don’t give importance to their credit score. Without knowing, having a good credit score is their ticket in acquiring small business loans since this score shows that your finances are in a healthy state.

Also, with a good credit score, your way to bad credit is far and will be able to acquire business loans which you can use for your business’ capital and fund the growth of your venture.

Fixing Business Bad Credit: How?

It is not easy to fix your business bad credit but you can do it one step a time and eventually, you may be free from the bad credit and start earning good credit score again.

Here are some actions you can take to fix your bad credit in your business.

Always be on time when paying your bills

Your credit score can be affected by the way you pay your bills. If you always fail to pay on time, you will surely end up having a bad credit. On the other hand, if you are always on time when it comes to bills payment, your credit score will surely increase.

Separate personal and business funds

If you want to fix your bad credit, don’t let your personal funds mix up with your business funds. Thus, whenever you would purchase something, it is best if you have separate accounts for your business and personal funds. This way, you can easily track your finances.

Establish good relationship with vendors

Having a well-established relationship with vendors will help you get out of bad business credit. Thus, you should build a good connection with your suppliers and merchants for them to always report on time to credit bureaus. Your relationship between vendors can be a good way to let them report that you have good payments on agencies that handle credit reporting.

Having bad credit for a business is not good because it may risk your reputation and may harm your business’s operations. If you have bad credit, don’t wait for it to get worse, act immediately and fix it in order to regain the good credit score you once had. When you have a good credit score, you will be able to apply for different small business loans which you can use as capital or as a fund for your operations. OneBox Funding experts will take you through all the steps of acquiring a loan for your business.

October 16, 2017

Every small business owner ran into financial issues at one point or another. Financial difficulties can come in many ways and forms. From those first few “lean” years where the money’s going out faster than it’s coming in. To times when expansion is looming on the not so distant horizon, with unexpected expenses crawling up everywhere, the company checking account is empty and the credit cards are maxed out.

Naturally, There are many more situations when cash flow is crucial for a small business’s success. It goes without saying that the traditional banks are just not an option for many of the 28 million small businesses operating in the US currently. In fact, there has been a steady decline in bank loan approvals for small businesses over the last three years, and several private lenders are reporting to follow suit in light of economic uncertainty and increasing regulatory expenses.



One unique option for getting the cash flow you need for your business is OneBox Funding. Operating from Tampa FL they offer something a bit different from big banks. Different in that it offers small business owners the ability to get Superfast cashflow, enabling them to get out of cash-strapped situations in a hurry, with a fast and easy approval process for strong businesses that meet their less stringent criteria over that of the bank’s. Keep in mind that they can not approve everyone, but if you have a small business that is not under bankruptcy and is grossing over $8,000 a month, OneBox is likely just the solution you’ve been looking for.

What are The Benefits with OneBox Funding?

OneBox Funding offers several benefits:

  • Any funding amount between $5,000 to $750,000 for eligible businesses, with good or bad credit.
  • Single page online application form.
  • Funds released as soon as next day funding
  • Top of the line quality offers for rates and terms
  • Expert level customer service throughout the entire funding process.
  • Bad credit merchants accepted.

OneBox’s funds are acquired through a network of business-minded angels who recognize that there are lots of stable, growing businesses out there that simply are not eligible for business bank loans or government grants. Often bad credit scores and businesses entrenched in volatile markets pose too much of a risk to conventional financial institutions, and they aren’t willing to risk losing their money.

OneBox Services Offered to Small Business Owners

  • Merchant Cash Advance: This is the preferred option for most small and medium-sized, cash-stressed businesses, good or bad credit accepted. OneBox staff are trained to get you approved for this service quickly and efficiently, so you can get your cash woes settled quick and continue to grow your business.
  • Short Term Loan: This is no different from a small business loan you’d get from a bank. Credit can be a factor when determining interest rates and loan terms, but businesses that are currently generating revenues and have enough collateral to back the loan will definitely benefit from this service.
  • Business Line of Credit: A premium level financial service, you must have a credit score of 550 and $300,000 or more in yearly revenues to qualify. Not everyone will be eligible, but the OneBox reps will definitely work diligently to find a lending solution that works for your business.
  • Debt Consolidation Service: Another premium product, business owners can pay off multiple loans and other financial liabilities by combining them into a larger debt; normally with lower rates and monthly payments if they qualify.

As mentioned, the Merchant Cash advance service is one of the easiest to get approved for, and often most desirable for growing small businesses who find themselves in a temporary cash crisis.


Fast & Flexible Funding Solutions

Since early 2017, OneBox has funded well over 1,000 small businesses. Of the typical loan applications submitted, the company has a loan approval rating of 79% currently, with a funding renewal rate currently at 86% and growing.

With a head office located centrally in Florida, North American businesses can be assured the company’s team of funding angels are available during business hours to approve funding requests and provide support whenever needed.

The testimonials located on the homepage make it clear the team isn’t just there to sell financial funding products, but also to make sure you get the best rates and terms possible, even if it delays approval by a day or two.

Interested in Letting OneBox Fund Your Business?

You can contact them right now for more information here, or if you’re interested in applying via the web, you can download the PDF application and submit via the email and fax information supplied at the bottom of the form.



October 10, 2017

Whenever a person is out of cash or needs money for a business, applying for a loan is the best solution. When you are qualified for taking a loan, you will instantly receive the money you have borrowed from the lender. On the other hand, having bad credit is a drawback for people who would like to acquire a loan. Since some lenders will look into the credit history, having a bad record may not allow you to apply for business loans or any type of loan.

Debt consolidation loan is becoming the answer for those people who would like to merge all their debts into a single loan, to minimize the expenses on a monthly basis. This loan is a big help for those individuals who have several debts to pay, as they will be able to combine and replace existing debt in a single loan without risking too much of their money.

What is a Debt Consolidation Loan?

Debt consolidation is a process wherein a person will avail one loan which will be used to pay two or more debts. With this loan, individuals can pay their several loans with only one monthly payment, since all the debts are combined into one. A debt consolidation loan can also be good for people with bad credit, since they can pay their debts using the loan and will only have to pay once every month with a fixed interest rate.

Furthermore, if you are someone who would like to acquire a debt consolidation loan but does not know how, here are the things you need consider when applying for this loan.

  • Check your earnings – this is one of the requirements that a lender will look into before he or she approves your debt consolidation loan. The creditor will check if you are capable of paying the loan. Your earnings can be the basis for whether you can apply for loan consolidation or not.
  • Records for payment – a creditor will also look into your records when it comes to paying debts, in order to identify if you have bad credit or not. This is another requirement that you should comply with when you are applying for a debt consolidation loan, as the creditor will look into your records to understand the way you pay.
  • Steadiness – another requirement needed when you are applying for a debt consolidation loan. The creditor will see if you have stability when it comes to your home and work.

When you apply for a debt consolidation loan, you always have to consider the requirements to avoid problems and have the loan be processed smoothly. Bad credit may cause setback when applying for a loan however, if you work within the demands and requirements of the loan, you may be able to get it in no time. OneBox Funding experts will guide you through all the steps of acquiring a debt consolidation loan.