Real Estate Funding
Put the property you own to work
Real estate funding unlocks capital from property, with repayment options based on the asset itself, for owners who want their real estate doing more than holding value.
What is real estate funding?
Real estate funding is property-based capital: funding structured around real estate you own or are acquiring, rather than around your credit profile alone.
Where our revenue-based products look at your sales, property-based funding looks at the asset, which opens larger and longer-horizon possibilities for business owners with real estate on the balance sheet. It's one of the repayment paths we offer: options based on revenue or on property, matched to your situation.
Who qualifies?
Property owners and acquirers with a business purpose for the capital. As with all Oak Capital funding, credit history is not the gatekeeper.
| Criteria | What we look for |
|---|---|
| Property | Real estate you own or are acquiring, with a business purpose for the funds. |
| Credit score | Not a barrier, the property and your plan carry the application, and we've denied 0 applications due to credit. |
| Business | An operating business or a clear business purpose for the capital. |
| Application | One page, 2-3 minutes to start the conversation. |
How repayment works
Repayment is structured around the property rather than daily sales, which typically means longer horizons than revenue-based products. Your specialist will walk you through the property-based options and how they compare with revenue-based structures for your situation.
Whatever the structure, the standard is the same: complete costs disclosed before you accept, no hidden fees, and early repayment treatment agreed in advance.
Oak Capital vs. a traditional bank
35% of merchants can't get bank money at all. For the rest, here's what the trade looks like.
| Oak Capital | Traditional bank | |
|---|---|---|
| Application | One page, 2-3 minutes | Long forms and document stacks |
| Decision | Most applications reviewed the same day | Often days to weeks |
| Funding speed | As little as same day, typically 24-72 hours | Typically weeks after approval |
| Credit score | Not a barrier. 0 denials due to credit | Credit-score driven; 35% of merchants can't get bank money |
| Pricing | Every cost disclosed before you accept | Varies by product and fine print |
| Repayment | Options based on your revenue or property | Fixed schedules regardless of cash flow |
Talk it through with a funding specialist
Same-day review, every cost disclosed up front, no obligation to accept.
What owners use real estate funding for
Property-based capital fits bigger moves and longer timelines.
Acquiring commercial space
Buy the building you operate from and turn rent into equity.
Unlocking equity for growth
Convert owned property into expansion capital without selling the asset.
Renovations & build-outs
Fund improvements that raise both the property's value and the revenue it hosts.
Consolidating toward better terms
Use property-based structure to reorganize obligations around a stronger asset.
Industries we fund
If your business earns revenue, it fits. These are the industries we see most.
- Restaurants & cafés
- Retail & e-commerce
- Construction & trades
- Medical & dental
- Trucking & logistics
- Salons & spas
- Auto repair & services
- Professional services
- Manufacturing
- Hospitality
Real Estate Funding FAQs
See what your business qualifies for
One page. 2-3 minutes. A funding specialist will match your revenue profile to the right structure, no obligation.