Business Funding Without the Roadblocks
Access $25K to $5M—fast, flexible, and built for real-world business needs
Fast approvals.
Same-day funding.
No personal guarantees.
What Makes Oak Financials Different
At Oak Financials, we’ve cut the friction out of the funding process. No corporate hoops, no long waits. Just fast, flexible capital, designed to help you move forward—not slow you down. We help American businesses grow—without the red tape.
Speed
Fast approvals.
Accessibility
No hard credit checks or PGs.
Affordability
Rates as low as 1% monthly.
Versatility
From startups to seasoned companies.
Trust
Supporting contractors, eCom brands, medical clinics, and more.
Satisfaction Rate
Our Solutions
Revenue-Based Loans
Fast working capital based on your cash flow—no collateral required.
Equipment Loans
Finance up to 100% of essential tools, vehicles, or machinery.
Fleet & Truck Financing
Fund up to 2 trucks with zero PG. Perfect for carriers and owner-operators.
E-commerce & Inventory Advances
Get restocks funded. We support Amazon and DTC brands.
Long-Term Business Loans
5–10 year terms for major expansions, new locations, or acquisitions.
PO Financing
Cover supplier costs to fulfill large purchase orders on time.
Invoice Advances
Convert unpaid invoices into immediate cash—stop waiting on net terms.
Bridge Capital
Short-term (3–24 month) solutions for urgent gaps or fast opportunities.
Consolidation Funding
Simplify repayment and reduce monthly outflow with one structured loan.
Commercial Property Loans
Buy, build, or refinance real estate with long amortization terms.
Funding in 3 Simple Steps
Submit a Quick Form
Just basic info—takes 2 minutes. No hard credit check, no obligation.
Get Approved Fast
We send a custom offer based on your business revenue—not your credit score.
Get Funded Same-Day
Accept terms and get capital wired to your account. Some deals close in hours.
Industries We Serve
We proudly fund companies across dozens of industries, including:
Construction & Contracting
Medical Practices & Clinics
Logistics, Freight & Trucking
Amazon & DTC Brands
Restaurants & Hospitality
Manufacturing & Wholesale
Professional & Service-Based Firms
Requirement: If your business generates $25K+/month in revenue, there’s a high chance we can help.
About Oak Financials
Built by Operators—Not Bankers. We launched Oak Financials to serve the 90% of businesses that traditional banks ignore. We know speed matters. Simplicity matters. And so does treating entrepreneurs with respect.
Over the years, we’ve helped thousands of business owners get the funding they need—with fewer delays, fewer documents, and zero BS.
$250M+
in capital deployed
10,000+
businesses supported
100%
U.S.-based team
No personal guarantees, no hard credit pulls—ever.
Our mission: To make growth capital accessible, fast, and founder-friendly.
Frequently Asked Questions
How much can I qualify for?
Anywhere from $25,000 to $5,000,000—depending on revenue and cash flow.
What documents do I need to apply?
Just business details, a short application, and 3–6 months of bank statements.
Do you check my credit?
No hard credit pulls. Our products are approved based on business performance.
How soon can I get the money?
Some deals fund the same day. Most are completed in 1 business day.
Is this a loan or an advance?
We offer both, depending on what works best for your repayment structure.
Do I need to provide collateral?
No—most of our products are unsecured and don’t require collateral or PGs.
Apply Now
Get your personalized offer in minutes. No pressure, no obligations—and zero impact on your credit.
