What is a One-Stop Shop?

A one-stop shop is a single location where all of the needed services for a particular activity are provided.

How Does a One-Stop Shop Work?

One-stop shopping is a popular concept for packaging products and service-oriented businesses. In the financial sector, for example, commercial lending and mortgage brokerages offer one-stop shops. The marketing, origination, underwriting, inspection, appraisal, documentation, settlement, escrow management, and servicing are all handled under a single entity for the client. Real estate companies often set up one-stop shop operations to handle brokerage and property management services, along with all of the lending and service activities needed to service real estate buyers and sellers.

Why Does a One-Stop Shop Matter?

One-stop shops are convenient for buyers and sellers. However, the one-stop shop can sometimes hide the true costs of each service and then limit the competition for the lowest cost provider. In addition, having all of the function in a single 'shop', even when certain services such as inspection and appraisal are required by regulation to be contracted out, may pose a conflict of interest between the clients and the one-stop shop operator.

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Paul Tracy
Paul Tracy

Paul has been a respected figure in the financial markets for more than two decades. Prior to starting InvestingAnswers, Paul founded and managed one of the most influential investment research firms in America, with more than 3 million monthly readers.

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