OUR PARTNERS
BUSINESS LENDING SOLUTIONS
Capital Access For Highly Regulated Businesses
In partnership with J&J Merchant Services, OSS delivers lending solutions designed to help businesses scale confidently, improve cash flow and modernize operations
Available Financing Programs
Working Capital Loans
Ideal for day-to-day operational needs.
Qualifications:
- 3+ months in business
- $5K+ monthly sales
Business Lines of Credit
Flexible access to capital when you need it.
Features:
- 0% introductory rates available
- $50K–$150K credit lines
Equipment Financing
Finance POS systems, Smart Safes, ATMs, infrastructure upgrades and more.
Qualifications:
- No minimum time in business
- 580+ credit score
Asset-Based Lending
Leverage existing business assets for larger funding needs.
Qualifications:
- $500K+ minimum
- 2+ years in business
SBA Loans
Government-backed financing solutions for established businesses.
Qualifications:
- 2+ years in business
- $75K+ annual sales
- 680+ credit score
Term Loans
Long-term financing for expansion and growth.
Features:
- 5–7 year terms
- 9–15% APR
- $50K–$500K funding available
What to Expect
Fast & Transparent Process
- Pre-approvals available within 24–48 hours for qualifying applicants
- Funding timelines range from 48 hours to 45 days depending on loan type and underwriting complexity
Flexible Qualification Requirements
- Credit requirements vary by program
- Most products require a simple 1-page application
- Additional financials and formation documents may be requested
NOTE: Funding timelines depend on loan type, documentation completeness and underwriting requirements. Interest rates and terms vary based on creditworthiness and business profile. Some products may require additional fees or collateral. High-risk businesses have specialized programs with specific requirements.