Question 1

How fast can my business get funded?

Accepted Answer

Most applications are reviewed the same day. Once approved, funds are typically available in as little as the same day, and generally within 24-72 hours.

Question 2

Can I qualify with bad credit?

Accepted Answer

Yes. We evaluate the strength of your business, revenue and cash flow, not your credit score. Many businesses turned down by banks qualify with us. You'll generally need at least 3 months in business with consistent revenue.

Question 3

Are there hidden fees?

Accepted Answer

No. All costs are disclosed up front before you accept an offer. What you see in your agreement is what you pay, no surprise charges later.

Question 4

Can I save by repaying early?

Accepted Answer

Yes, early repayment savings can be negotiated in advance as part of your agreement, so you know exactly how paying ahead of schedule benefits you.

Question 5

What does Oak Capital fund?

Accepted Answer

Five products: merchant cash advances, short-term funding, revolving lines of credit, equipment financing, and real estate funding, with repayment options based on your revenue or your property.

Question 6

How long does the application take?

Accepted Answer

One page, 2-3 minutes. Most applications are reviewed the same day by a funding specialist.

Question 7

Do I have to pick a product before applying?

Accepted Answer

No. Apply once and a funding specialist will match your revenue profile to the structure that fits, no obligation.

Question 8

Is a merchant cash advance a loan?

Accepted Answer

No. An MCA is a purchase of future receivables. Oak Capital buys a portion of your future sales at a discount and you receive the funds up front. Because it isn't a loan, approval centers on your revenue rather than your credit profile.

Question 9

How fast can I get an MCA?

Accepted Answer

Most applications are reviewed the same day, and once approved, funds are typically available in as little as the same day and generally within 24-72 hours.

Question 10

Can I get an MCA with bad credit?

Accepted Answer

Yes. We evaluate the strength of your business, revenue and cash flow, not your credit score, and we've denied 0 applications due to credit.

Question 11

What does an MCA cost?

Accepted Answer

Your total cost is fixed and disclosed in full before you accept the offer, no hidden fees, no surprises. Early repayment savings can be negotiated in advance as part of your agreement.

Question 12

How fast is short-term funding?

Accepted Answer

Most applications are reviewed the same day. Once approved, funds are typically available in as little as the same day, and generally within 24-72 hours.

Question 13

Do I need good credit?

Accepted Answer

No. Approval is based on your business's revenue and cash flow, we've denied 0 applications due to credit. You'll generally need at least 3 months in business.

Question 14

How is this different from a merchant cash advance?

Accepted Answer

Short-term funding follows a defined repayment schedule with a known end date, while an MCA is a purchase of future receivables repaid as a share of your sales. A funding specialist will help you match the structure to your cash flow.

Question 15

Are there hidden fees?

Accepted Answer

No. Every cost is disclosed before you accept an offer, and early repayment savings can be negotiated in advance.

Question 16

How is a line of credit different from a lump-sum advance?

Accepted Answer

A lump sum delivers all the capital at once with costs on the full amount; a line of credit lets you draw only what you need, when you need it, paying for what you use, and it replenishes as you repay.

Question 17

Can I qualify with bad credit?

Accepted Answer

Yes. Approval is based on your business's revenue and cash flow, not your credit score. We've denied 0 applications due to credit.

Question 18

How fast can I draw funds?

Accepted Answer

Applications are typically reviewed the same day. Once your line is in place, draws are designed to move at the speed your business needs.

Question 19

Are there hidden fees?

Accepted Answer

No. All costs are disclosed up front before you accept, so you know exactly how draws and repayment work before you ever use the line.

Question 20

Can I finance used equipment?

Accepted Answer

Talk to a funding specialist about the specific equipment, the application takes 2-3 minutes and the review looks at your business's revenue and the role the equipment plays in it.

Question 21

My equipment just broke, how fast can I replace it?

Accepted Answer

Most applications are reviewed the same day, with funds typically available in as little as the same day and generally within 24-72 hours.

Question 22

Does bad credit disqualify me?

Accepted Answer

No. Approval is based on your business's revenue and cash flow, we've denied 0 applications due to credit.

Question 23

What will it cost?

Accepted Answer

Every cost is disclosed up front before you accept an offer. There are no hidden fees, and early repayment savings can be negotiated in advance.

Question 24

Is this only for businesses that own property?

Accepted Answer

It's for owners and acquirers, funding can support property you already own or real estate you're in the process of acquiring, with a business purpose for the capital.

Question 25

How does this differ from your revenue-based funding?

Accepted Answer

Revenue-based products are repaid from your sales; real estate funding is structured around property. We offer both so repayment can match your strongest asset, your revenue or your real estate.

Question 26

Does my credit score matter?

Accepted Answer

Credit is not a barrier at Oak Capital, we've denied 0 applications due to credit. Property-based funding is evaluated on the asset and your plan for the capital.

Question 27

Are the terms transparent?

Accepted Answer

Yes. Every cost is disclosed before you accept an offer, with no hidden fees, and early repayment savings can be negotiated in advance.

Straight answers, before you ask

The essentials

Merchant Cash Advance

Short-Term Funding

Line of Credit

Equipment Financing

Real Estate Funding

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