HOW MAY WE HELP YOUR BUSINESS GROW?

Business Loans

Whether you are expanding, moving, or replacing equipment, we have loan options to meet your business needs. Read More

Working Capital

We offer working capital loans to help you purchase inventory, hire staff, manage slow seasons, and more! Read More

Education

Click here for up-to-date small business finance news plus helpful tips on how to manage your small business finances. Read More

THE ONE DEGREE WAY

Small Business Experts

Your growing business has unique needs, and we understand that. Our financing solutions are designed with you in mind.

Full Suite of Financing Solutions

Your business is not one-size-fits all, and neither are our financing options. We have several programs designed to meet your particular needs.

No Confusing Variable Payments

We believe consistent loan payments are in the best interests of business owners, and we do not offer products with varying payments, nor do we take money from your credit card receipts.

Responsibly Fast

We’re in no rush to throw money at you in “one hour or less.” Our goal is to take the time to understand your business and ensure that the financing we provide will truly help your business succeed. Typically we can present you with options within one business day.

What Our Customers Say

Salomon Carias / Owner, Quality Janitorial Services

I have been doing business with One Degree Capital for 4 or 5 years now, 4 Leases and two loans and it has been a really good experience. IMAGINE SAYING THAT ABOUT A LENDER, but it’s true. I highly recommend them. They make the process simple.

Brandon Skall / Owner, DCBrau Brewing Company

My experience with One Degree Capital was incredible. It says a lot that Jenn spent the time to learn about the brewing business and design a lease/loan product that best fit to my needs.  I highly recommend One Degree Capital to anyone that may be in need of such services.

Sean Ricks / Owner, Rick’s Roasters

One Degree came through when others could not. Easy to deal with and truly believe in those they are helping. If you are a small business and need capital, they are the place to go.

Tim Hanson / Owner, Mission Carpet Care

Working with One Degree Capital was easy and painless. The staff was on top of all details and communicated with me along the way. I highly recommend One Degree Capital and their fantastic Staff.

Meet Our Team

Rod Founder & President
Rod Founder & President I believe there is no such thing as a “small” business. To me, every business is Significant and I enjoy listening and learning their stories.
Jenn Founder & Vice President
Jenn Founder & Vice President Many small businesses just need a few thousand dollars to grow, possibly even hire another person. I love being able to help them do that.
Caitlin Finance Manager
Caitlin Finance Manager I love talking with our customers because the stories they tell me are inspiring. I enjoy helping them chase their dreams.
Chelsea Controller
Chelsea Controller I love working with my team members every day to help business owners. It’s fun to collaborate and find creative ways to help a business grow.
Alexandra Alexandra Finance Coordinator
Alexandra Finance Coordinator The passion that every team member here has for small business owners is clear from the moment you walk in the door – it is exciting to be a part of it!
Schooner Office Manager
Schooner Office Manager When I’m not napping, I’m doing my best to manage the One Degree Team. But honestly I’m usually napping.

Most Recent Articles

  • Neighborhood Business To Support Occoquan Merchants during Local Shopping Day
    November 21, 2016 / Comments Off on Neighborhood Business To Support Occoquan Merchants during Local Shopping Day / Press Release

    Free Balloons, Prizes Exclusively for Town Merchants FOR IMMEDIATE RELEASE Occoquan, Virginia – November 22, 2016 – Merchants in the Town of Occoquan, Virginia, will get a boost to their marketing efforts this Saturday as they prepare to entice local shoppers into their businesses. This Saturday, November 26, 2016, is a heavily promoted national day
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  • Taxes, Regulations Top of Mind for Small Business Owners
    November 15, 2016 / Comments Off on Taxes, Regulations Top of Mind for Small Business Owners / Small Business News

    Small Business Optimism Index Remains Tepid The National Federation of Independent Business released its quarterly Small Business Economic Trends Report, citing a mixed bag of economic indicators across a wide spectrum of topics. Overall, the Optimism Index rose 0.8 points this past quarter. While this is good news, the Index remains well under the average
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  • Virginia Among Top 5 States for Small Business Growth
    November 15, 2016 / Comments Off on Virginia Among Top 5 States for Small Business Growth / Small Business News

    Washington, Baltimore Ranked in Top 5 Metro Areas The October 2016 Paychex IHS Small Business Jobs Index revealed a slight increase in small business jobs growth compared to the same time last year, but the national index is now at its lowest point year-to-date. Nearly 95 percent of employers in the US are classified as small businesses,
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  • Small Business, Big Impact
    November 15, 2016 / Comments Off on Small Business, Big Impact / Rod's Blog

    What Small Business Saturday Means To Me By Rod Loges I often marvel at the courage and tenacity of Small Business Owners. I have been fortunate to be surrounded by these humble yet strong individuals all my life: my Mom has owned a travel agency for decades, both sets of my Grandparents owned businesses and
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  • New Scholarship Award Announced
    November 1, 2016 / Comments Off on New Scholarship Award Announced / Press Release

    Applications Now Being Accepted For 2016-17 Academic Year FOR IMMEDIATE RELEASE Occoquan, Virginia – November 1, 2016 – The John Mathis Entrepreneurial Spirit Award, named after the father of One Degree Capital co-founder Jenn Mathis, is now accepting applications for its inaugural 2016-17 academic year scholarship award. “Daddy continues to be an enormous inspiration to
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  • September Franchise Job Growth Up Versus August
    October 18, 2016 / Comments Off on September Franchise Job Growth Up Versus August / Small Business News

    Remains Off Pace Versus 2015    The September 2016 ADP National Franchise Report revealed franchise corporations added 26,000 jobs to our economy. While this amount is up from August’s 19,100 figure, it is well below the 33,600 jobs franchises added one year ago. In all, the franchise growth rate year-over-year stands at 3.9%. Franchises cover
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  • Small Business Growth Shows Signs of Slowing
    October 18, 2016 / Comments Off on Small Business Growth Shows Signs of Slowing / Small Business News

    Employers With Fewer Than 50 Employees Impacted Most   According to the ADP Research Institute’s September 2016 Small Business Report®, small businesses with fewer than 50 employees added just 34,000 jobs in September. That is the slowest growth since December 2013, and continues a downward trend that began last April. Is the slowdown pre-election jitters?
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  • Small Business Is Big In Southern France
    October 13, 2016 / Comments Off on Small Business Is Big In Southern France / Rod's Blog

    This post is part of a series, “Rod’s Rambles,” where Rod travels the world interviewing small business owners to listen and learn how they turned their passion into profits when starting their own businesses. Bonjour mes amis! I just returned from the beautiful South of France and could not wait to share with you all the wonderful
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  • DIY Credit Protection
    October 6, 2016 / Comments Off on DIY Credit Protection / Jenn's Blog

    Your Credit Is Valuable to Your Small Business – Protect It!   Yahoo. Verizon. Target (again). Point-of-Sale provider H&L… The list of companies admitting their customer data has been compromised  continues to grow, and shows no sign of stopping. As a small business owner, your personal credit is vital to the growth of your business. If
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  • Small Business Cash Flow Study
    September 28, 2016 / Comments Off on Small Business Cash Flow Study / Small Business News

    New Study Focuses on Small Business Cash Flow 27 Days. That’s how long it would take a typical small business to deplete it’s cash reserves if revenue suddenly stopped flowing in, according to a new study. It’s even shorter for some businesses (19 days for retailers, a mere 16 days for restaurants). That’s not much
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  • 2016 Mid-Year Economic Report Released
    September 9, 2016 / No Comments » / Small Business News

    Small Businesses Report Mixed Financial Outlook The National Small Business Association released its Mid-Year Economic Report earlier this week. Highlighting survey results from polling small business owners across the country, the report provides a glimpse of the current economic conditions of America’s small businesses. According to the NSBA, small businesses comprise 99.7 percent of all employer
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  • Section 179 Update for 2016
    September 8, 2016 / No Comments » / Small Business News

    How Is Your Small Business Impacted? Thankfully 2016 will not be a repeat of the last two years, where Congress gave small business owners only a few days’ notice regarding how major purchases would impact their 2014 and 2015 taxes. Congress voted in December 2015 to make the higher limits to the Section 179 Deduction permanent, adjusting to inflation.
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  • Data Overload
    September 1, 2016 / No Comments » / MYOSB

    This post is part of a series, “Mind Your Own Small Business,” where we share financial tips and information to help small business owners more effectively manage their small business finances. It is possible to drown your business in data. Every tool wants to inundate you with endless array of ratios charts and percentages. Einstein said
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  • Make It Stick
    August 30, 2016 / No Comments » / MYOSB

    This post is part of a series, “Mind Your Own Small Business,” where we share financial tips and information to help small business owners more effectively manage their small business finances. Here’s the challenge… Most ideas we read about in books, blogs, articles and the like don’t stick. We can be moved by what we read
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  • How Do Working Capital Loans Work?
    June 5, 2016 / No Comments » / Jenn's Blog

    As The Community Business Lender to thousands of business owners nationwide, our goal is to help our customers grow and thrive in their business. This may sound strange coming from a business lender, but working capital loans can ruin your business if you’re not careful.  So while we do offer working capital loans, the first
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  • How Todos Supermarket Found Success By Giving People ‘Their Food’
    March 2, 2016 / No Comments » / Rod's Blog

    By Rod Loges (This article originally appeared in Potomac Local on March 1, 2016) One of the biggest myths in the business world is the concept of the “overnight success.” Many businesses that seem to pop up overnight are, actually, the result of long periods of trial-and-error. I have written before about the need for
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  • A Corporate Promotion or Beer? Growling Bear Chose Beer
    February 24, 2016 / No Comments » / Rod's Blog

    By Rod Loges Ask anyone who works with me on a regular basis and they’ll be the first to tell you – I’m not a detail guy. One of the most valuable lessons I learned from my first college business was that details matter (a painful lesson). This was probably why, as I grew out of my
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  • Trust Me, You Want to Be A Failure First.
    February 19, 2016 / No Comments » / Rod's Blog

    By Rod Loges It’s fun to see a group of small business owners form a group, grow, and learn together. These folks wear multiple hats, juggle multiple tasks, work with multiple people, many times across multiple platforms. There is little if anything small about the “small” business owner. At One Degree Capital, we refer to
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  • One Wrong Letter Cost $2,000, Ruined a Friendship
    February 12, 2016 / No Comments » / Rod's Blog

    By Rod Loges  As I mentioned in my last article, my keg delivery business taught me the value of being diversified. My very determined competitors helped me learn that one (did they really have to flatten all FOUR tires?) By my second year in business, I had added custom-printed shirts to my service offering. That addition
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  • Lessons From My Keg Business
    February 5, 2016 / No Comments » / Rod's Blog

    By Rod Loges   When I tell people about One Degree Capital, I often hear things like “Oh, I’d love to start my own business doing ‘XYZ’ someday.” To the outsider, it often looks easy to own a business. The reality is that business owners face challenges and surprises all the time. It takes a
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  • Pies and Wine So Good, Mom’s Has a Great Business Plan
    February 3, 2016 / No Comments » / Rod's Blog

    By Rod Loges There is a perfectly logical reason for the location of Mom’s Apple Pie Bakery and Wine Shop in Occoquan: It is the first place you will want to visit when you pull into town, and also before heading back out of town. Yep, Mom’s is that good. Of course, Mom’s bakes some fantastic pies (second
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  • Your Business Should Be Creative and Unique, Something No "Big Box" Store Can Do
    January 20, 2016 / No Comments » / Rod's Blog

    By Rod Loges In today’s “big box” retail world how do small business owners stand out and compete? One way is by building their own community of champions and collaborators. All around us are great examples of how small business owners have created their own community (or One Degree World, as we call it around
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  • Local Beans, Great Atmosphere Key to Manassas Coffee Shop Success
    January 13, 2016 / No Comments » / Rod's Blog

    This post is part of a series, “Rod’s Rambles,” where Rod travels the world interviewing small business owners to listen and learn how they turned their passion into profits when starting their own businesses.     Pssst, slow down. Take a moment and smell the coffee… or the tea or even the great breakfast sandwiches made by
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  • Building a Business is a Team Effort
    January 6, 2016 / No Comments » / Rod's Blog

      by Rod Loges My first lesson in the value of mentors came early – and hard. On July 3rd, 1985, I was enduring the first grueling week (called “Ground Week”) of the U.S. Army Airborne School. My Student ID – printed boldly across my helmet – was 141 (yes, 30 years later I remember
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  • How Knowing ‘Why’ Led Website Developer WIX to $1 Billion
    December 30, 2015 / No Comments » / Rod's Blog

     by Rod Loges Five, four, three, two, one… Happy New Year! Well, almost! The New Year is a great time to evaluate our business goals and make sure we know the answer to the question, “Why do we do what we do?” Here is a great example: Avi, a business associate I met in 1999,
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  • Sharing is Caring: How Businesses Can Give Back to Charities
    December 30, 2015 / No Comments » / Rod's Blog

     by Rod Loges One day not long ago a Dad was getting his daughters ready for school, and he couldn’t figure out why the lunch foods were almost gone. It was only halfway through the week and already they were low on lunch meat. The next morning he found his daughter making two lunches. When
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  • One Degree Capital Supports Local Merchants on Small Business Saturday
    December 2, 2015 / No Comments » / Press Release

    FOR IMMEDIATE RELEASE Occoquan, Virginia – November 28, 2015 – By distributing over 200 helium balloons and 400 locally-produced donuts to the 70-plus merchants in the historic Town of Occoquan, Virginia, One Degree Capital helped local business owners prepare for “Small Business Saturday,” the official un-official shopping day founded by credit card company American Express.
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  • Read This Before You Apply For An SBA Loan
    September 14, 2015 / No Comments » / Jenn's Blog

    by Jenn Mathis One of the parts of my day that I absolutely love is talking to business owners about their plans. It is so cool to share in their excitement and learn about their passions, and I love working with each of them to explore how best to make their plan a reality. Last week I
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  • Making Your Business More Attractive To Lenders – New eBook Explains How
    September 1, 2015 / No Comments » / Press Release

    Occoquan, Virginia – September 2, 2015  3 Secrets to Getting Lenders to Chase You, written by Jenn Mathis of One Degree Capital, provides valuable insights on how business owners can make their businesses more attractive to lenders. The eBook, which launches today, is free and available for download at the company’s website, www.OneDegreeCapital.com. “Our eBook
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  • Personal Touch Makes a Big Difference in Small Business Loans
    August 24, 2015 / No Comments » / Recommended Reading

    Here’s an excellent article from The Wall Street Journal exhibiting the One Degree Way and why we believe in learning about and connecting with our Significant Business Owners! Check it out: Personal Touch Makes Big Difference in Small-Business Loans. 

  • Are Your Business Banking Habits All Grown Up?
    August 12, 2015 / No Comments » / Jenn's Blog

    By Jenn Mathis You can tell a lot about people by the way they spend their money. That goes for businesses, too. When a business owner applies for financing, one of the first items lenders request are the most recent business bank statements. Most lenders (including us at One Degree Capital) look at each page of the bank
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  • One Degree Capital Defines The Capital Desert At Meeting of Local Business Owners
    July 31, 2015 / No Comments » / Press Release

    FOR IMMEDIATE RELEASE Occoquan, Virginia – July 27, 2015  Using his own coined term “Capital Desert” during a panel discussion, Rod Loges, Founder and President of One Degree Capital, sought to explain why small business owners have such a hard time getting bank loans. The panel discussion, facilitated by 1 Million Cups Prince William, a
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  • A Lesson Learned The Hard Way: Working ON Your Business vs IN It
    July 29, 2015 / No Comments » / Jenn's Blog

    by Jenn Mathis How much of your time is spent working ON your business versus IN your business? How much is that costing you? You might be surprised. My customer and friend Patrick sure was, as he explained when he called me this week: Patrick owns a carpet cleaning business. Like a lot of service-related entrepreneurs,
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  • One Degree Capital Challenges Business Owners During SBA Panel Discussion
    July 14, 2015 / No Comments » / Press Release

    FOR IMMEDIATE RELEASE Occoquan, Virginia – June 19, 2015  – Rod Loges, Founder and President of One Degree Capital, issued a challenge to small business owners during a recent panel discussion at SBA headquarters in Washington, DC. The expert panel, entitled Innovation and High Growth Potential Firms’ Access to Capital which included Rod Loges, Founder
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  • How First-Time-Buyer Discounts Can Backfire (and what to do instead)
    July 14, 2015 / No Comments » / Jenn's Blog

    by Jenn Mathis On the surface it seems like such a great idea – build your customer base by offering a First-Time-Buyer discount. The theory being customers will love your service or product so much that they will come back again. So what if you don’t make a profit on that first sale? You can
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  • Online Lenders Missing More Than Their Stock Targets
    July 6, 2015 / No Comments » / Rod's Blog

    by Rod Loges I can hear the raspy voice of my Grandpa Loges now: “Rod, you can’t email a handshake!” I was reminded of these words of wisdom today as I read Forbes’ article Once-Hot Online Lending Companies Go Cold In Face Of Skepticism highlighting the recent challenges facing two internet business lenders – lenders who
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  • First Hotel Reservation Made By Google Glass
    July 2, 2015 / No Comments » / Press Release

    Rodney Loges is the first person in the world to book a hotel using wearable technology The Hotel Near Me app is aimed at tech savvy frequent travelers June 6, 2014. Rodney Loges, from Occoquan, Virginia, has become the first traveler in the world to reserve a hotel room using the Google Glass. The businessman is the
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  • Recommended Reading: The Hard Thing About Hard Things
    July 2, 2015 / No Comments » / Recommended Reading

    There are many, many books devoted to helping would-be entrepreneurs get their business started, but very few authors attempt to describe what it’s like to actually RUN a business day-to-day. The difficult decisions. The pressure. The long hours. And yes, the pure joy of it all. The Hard Thing About Hard Things is largely a
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  • Recommended Reading: Delivering Happiness: A Path to Profits, Passion, and Purpose
    July 2, 2015 / No Comments » / Recommended Reading

    The visionary CEO of Zappos explains how an emphasis on corporate culture can lead to unprecedented success. Make customer service the entire company, not just a department. Focus on company culture as the #1 priority. Apply research from the science of happiness to running a business. Help employees grow both personally and professionally. Seek to
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  • Recommended Reading: Start with Why: How Great Leaders Inspire Everyone to Take Action
    July 2, 2015 / No Comments » / Recommended Reading

    In studying the leaders who’ve had the greatest influence in the world, Simon Sinek discovered that they all think, act, and communicate in the exact same way-and it’s the complete opposite of what everyone else does. People like Martin Luther King Jr., Steve Jobs, and the Wright Brothers might have little in common, but they
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  • Recommended Reading: The Go-Giver
    July 2, 2015 / No Comments » / Recommended Reading

    The Go-Giver tells the story of an ambitious young man named Joe who yearns for success. Joe is a true go-getter, though sometimes he feels as if the harder and faster he works, the further away his goals seem to be. One day he is introduced to a series of “go-givers:” and learns the Five
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  • Strengthening Your Business’ Bottom Line: Marketing Budget
    January 26, 2015 / No Comments » / Jenn's Blog

    Create A Winning Marketing Plan To Increase Revenue Without Breaking The Bank by Jenn Mathis The hype around Sunday’s Big Game TV Commercials is in full swing. Don’t have an ad for your business? At $4.5 million for 30 seconds, you’re not alone. If you don’t even know what your business’ marketing budget is for this year…
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  • Special Bulletin: Section 179 Tax Benefit Increase Expected
    December 18, 2014 / No Comments » / Press Release

    — SECTION 179 LIMITS EXPECTED TO INCREASE TO 2013 LEVELS — BUSINESS OWNERS MUST ACT NOW TO RECEIVE TAX BENEFITS Business owners just received a Christmas gift card from Congress, but it expires in just 14 days. On Tuesday, December 17, 2014, Congress passed the Tax Extenders Bill which extends several 2013 tax benefits through the 2014 tax
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Ready to see what options are available for your unique business?

Apply Now Call us today at (855) 579-0001 or email us at [email protected]