Unsecured Personal Loan and Small Business Loan

In need of an unsecured loan, signature loan, small business loan or personal loan? Our lending programs are available nationwide.

America One helps clients finance Millions in loans every year. Start-up businesses are accepted and no business plans or financial statements are required. Customized financing programs are available to fit almost any small business related or personal financial need. Our Quick Loan Process will help you to dramatically increase your chances for the approval of your unsecured loan.

Our specialty finance product is a Signature Loan that can be used for any purpose, with no collateral required. Your loan approval is simply based upon our expertise and your current credit standing. Whether you are seeking a no collateral loan or a personal loan we understand the needs of our clients and are committed to making the financing process as simple as possible.

Southern California's defending national co-champions left no doubt as to whom the college football champion was in 2004. The 12-0 Trojans led both major polls throughout the regular season, then trounced unbeaten No. 2 Oklahoma 55-19 in the FedEx Orange Bowl on Jan. 4 for their 13th victory. Junior quarterback Matt Leinart, winner of both the Heisman Trophy and the Walter Camp Award, passed for 332 yards and an Orange Bowl record five touchdowns as USC won its 22nd consecutive game and confirmed its 10th national title.

Auburn fans were disappointed that the Tigers (12-0 in regular season), winner of the SEC and victor over Virginia Tech 16-13 in the Nokia Sugar Bowl, had to settle for a final No. 2 ranking, with Oklahoma slipping to No. 3. Utah fans, however, were delighted to see their Utes (11-0 in regular season) not only make it to a BCS bowl but clobber Pittsburgh 35-7 in the Fiesta Bowl. The Mountain West champions finished with a No. 5 national ranking.

The nation's other major unbeaten team, Western Athletic Conference champion Boise State (11-0), fell to Louisville (10-1 in regular season) 44-40 in the highest-scoring Liberty Bowl game ever. The Cardinals, in their last year in Conference USA before heading to the Big East, had led the nation with a 49.8 scoring average, while Boise State had averaged 49.7.

Utah and Auburn shared the national Coach of the Year awards, Urban Meyer of Utah winning the Football Writers award and Tommy Tuberville of Auburn taking the Football Coaches award.

Oklahoma may have finished with a disappointing loss in the Orange Bowl, but quarterback Jason White, the 2003 Heisman Trophy winner, won the 2004 Maxwell Award as well as the Davey O'Brien and Johnny Unitas quarterback awards.

The Outland Trophy went to another Oklahoma player, offensive tackle Jamaal Brown, while defensive end David Pollack of Georgia won the Vince Lombardi/Rotary Award along with the Chuck Bednarik Award.

What are the three `c's`?

Traditionally bankers look at what are called the three `c's`: character, credit and collateral. Character means more than not having a criminal record. It means that the banker feels confident that you are not going to suddenly disappear for parts unknown if the business runs into trouble. Specifically bankers like to see ties to the community such as long residence, family ties, and home ownership. A clean credit history is important. A couple late credit card payments shouldn't be a factor, but missing mortgage payments for three months in a row will require a good explanation. Bankers like good character and good credit, but they live for solid collateral. Equipment, buildings and trucks--that's the kind of stuff that bankers really like for collateral--solid value and likely to be worth a lot even if the business goes bust. Inventory, raw material and goods are second choices for collateral--they will lose their value more quickly than fixed assets but still be worth something.

Home Kentucky Derby Pistons Wizards Pacers Bulls Basketball