About Oak Capital
Capital for the businesses banks turn away
Oak Capital Inc. exists for the 35% of merchants who can't get bank money: real businesses with real revenue that deserve capital judged on performance, not on a credit file.
What we believe
Revenue over credit reports
35% of merchants can't get bank money. We judge the business you've built, sales and cash flow, and we've denied 0 applications due to credit.
Speed is part of the product
A 2-3 minute application, same-day reviews, and funding typically within 24-72 hours, because capital that arrives late isn't capital.
Terms you can read
Every cost disclosed before you accept. Early repayment savings negotiated in advance. What's in the agreement is what happens.
People, not portals
A funding specialist owns your file from application through funding, and answers the phone afterward.
Looking to apply instead?
The fastest way to reach a funding specialist is the one-page application, most are reviewed the same day.
Start your applicationContact the team
Questions about funding, partnership, or an existing agreement, we'll route it to the right person.
See how much your business qualifies for
One page. 2-3 minutes. No credit-based denials, your revenue does the talking.