One-Stop Shop

Written By
Paul Tracy
Updated June 21, 2021

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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