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.

In 1902, the Tournament of Roses® Association decided to enhance the day's festivities by adding a football game. Stanford University accepted the invitation to take on the powerhouse University of Michigan, but the west coast team was flattened 49-0 and gave up in the third quarter. The lopsided score prompted the Tournament to give up football in favor of Roman-style chariot races.

In 1916, football returned to stay and the crowds soon outgrew the stands in Tournament Park. William L. Leishman, the Tournament's 1920 President, envisioned a stadium similar to the Yale Bowl, the first great modern football stadium. He enlisted the help of architect Myron Hunt and builder William A Taylor, and together they made plans for a stadium in Pasadena's Arroyo Seco area.

The original stadium, a 57,000-seat horseshoe open on the south end, cost $272,198.26. The Tournament financed the project by offering ten-year subscription tickets for $100 each. Once it was completed, it was deeded to the city of Pasadena.

Local newspaper reporter Harlan "Dusty" Hall, who also served as the Tournament's press agent, came up with the name "Rose Bowl" for the stadium, and on January 1, 1923, the Tournament held its first football game there.

The stadium grew with the Rose Bowl Game's popularity. In 1928, the south end was filled in, increasing the seating capacity to 76,000. Further enlargements took place in 1932 (83,677), 1949 (100,807) and 1972 (104,696). The current seating capacity is approximately 93,000, although stadium room was found for a record crowd of 106,869 on January 1, 1973.

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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