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.

Meriwether Lewis Clark, Jr., who built Churchill Downs in Louisville, wanted his track to have a race that would rival England's Epsom Derby. After visiting England to study both its tracks and its races, he established the Kentucky Derby, which was first run on May 17, 1875.

However, the Derby was just another regional race until 1902, when Colonel Matt J. Winn took over the track. Although he had seen every Kentucky Derby since the beginning, Winn knew little about horse racing or running tracks. But he was a very good promoter.

After raising money to save Churchill Downs from bankruptcy, Winn began making frequent trips to New York, then the center of American racing, to persuade owners to enter their horses in the Kentucky Derby. His persistence paid off. By 1920, the Derby had become the best-known race in North America and it was attracting the top three-year-olds from all over the country.

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.

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