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.

Playing in his hometown -- actually, he went to high school in the Philadelphia 'burbs -- Kobe Bryant was brilliant with 31 points, five rebounds and five assists in the West's 135-120 victory. Bryant shot, passed and defended. Plus, he had worn his father's throwback jersey to a Friday media event, Joe "Jellybean" Bryant being an old-school 76er who was still popular around town.

In short, Kobe did everything -- but win the crowd. He was booed in the introductions, booed during the game, booed when his game MVP award was announced. Was it because he was perceived as being not "Philly" enough, more California roll than cheesesteak? Because he played for the West? Because he was a Laker? Because he was, you know, Kobe?

Whatever the reason, it cut deep. "I don't know what to say," said a disheartened Bryant after the game. "I'm happy to win MVP in Philadelphia. The booing was just hurtful. But it's not going to ruin this day for me." Few teammates, it seemed, rushed to his defense either. And so this All-Star Game seemed to cement the idea that Bryant, while indisputably a brilliant player, would never be warmly received by either the public or his fellow players.

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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