Short-Term Funding
Working capital with a clear finish line
Short-term funding delivers a lump sum with a defined payback window, capital for immediate needs and near-term opportunities, without a years-long commitment.
What is short-term funding?
Short-term funding is working capital delivered up front and repaid over a defined, compressed window. It's built for needs measured in months, not years: an opportunity with a deadline, a gap to bridge, a season to stock for.
Like everything we fund, approval is based on your business's revenue and cash flow. The one-page application takes 2-3 minutes, most applications are reviewed the same day, and all costs are disclosed before you accept.
Who qualifies?
Short-term funding fits businesses with steady revenue that need capital to move faster than a bank timeline allows.
| Criteria | What we look for |
|---|---|
| Time in business | 3+ months. Newer businesses can qualify with strong revenue. |
| Credit score | Not a barrier, we've denied 0 applications due to credit. Approval is based on business performance. |
| Revenue | Consistent business revenue. Your cash flow, not your credit file, carries the application. |
| Application | One page, 2-3 minutes. No stacks of paperwork to start. |
How repayment works
You repay on a defined schedule over the agreed window, so the commitment has a clear end date you know before you sign. Multiple repayment options are available, including revenue-based structures, so payments can be matched to how your business earns.
The full cost is disclosed up front, and early repayment savings can be negotiated in advance if you want the option to finish ahead of schedule.
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 businesses use short-term funding for
The defined window makes short-term funding right for needs with a visible payoff.
Time-limited opportunities
A bulk-purchase discount or a contract that needs upfront capital to accept.
Seasonal ramp-up
Staff and stock ahead of your peak, repay through it, and be done before the off-season.
Emergency expenses
Repairs, replacements, and surprises that can't wait on a bank committee.
Cash-flow bridges
Cover a known gap, a slow month, a delayed payment, with a defined path out.
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
Short-Term 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.