Oak Capital Inc.

Partner program

Fund the deals your other lenders decline

ISOs, brokers, merchant services providers, CPAs, and affiliates: bring us the merchants banks turn away. With an 84.7% approval rate and same-day reviews, your pipeline stops leaking.

0%of merchants can't get bank money
$0Mavailable in non-bank financing
0.0%of merchants approved
0denials due to credit

Why partner

Your clients get funded. You get a funder you can stake your name on.

An approval rate that closes pipelines

84.7% of merchants are approved, including files other funders decline. Deals you'd otherwise write off become fundings.

Same-day answers

Most applications are reviewed the same day, with funding typically within 24-72 hours. Your clients stop waiting, and so do you.

Five products, one submission

MCA, short-term funding, lines of credit, equipment financing, and real estate funding, one relationship covers your whole book.

Offers that survive the close

Every cost disclosed up front. Transparent offers mean fewer blown deals at the signature stage, and clients who come back.

A dedicated partner contact

You work with a person who knows your book, not a ticket queue. Status, stips, and questions get answered by someone accountable.

Built to be a second home for tough files

Credit never kills a deal here. 0 denials due to credit. Send the merchants the banks turned away; that's who we built this for.

Partner tracks

Built for how you reach business owners

ISOs (MCA)

A reliable outlet for revenue-based files, with fast turnarounds that keep your merchants from shopping elsewhere.

Brokers & advisors

Round out your lender panel with a funder whose sweet spot is the 35% of merchants banks can't serve.

Merchant services

You already see your merchants' processing volume, turn that visibility into funding they'll thank you for.

CPAs & accountants

When a client needs capital, refer them to a funder whose terms you can actually read, every cost disclosed up front.

Affiliates & referrers

Audiences, associations, and platforms: send business owners our way and earn on funded deals.

Something else?

If you connect business owners with capital in any form, the partner team wants to hear how you work.

Start the conversation

How it works

From first hello to first funded deal

  1. 1

    Tell us about your business

    A short partner form, who you are, what you do, and the kind of clients you serve.

  2. 2

    Talk with the partner team

    We align on products, process, and how submissions and updates will flow.

  3. 3

    Submit your first deal

    The same one-page application your clients would use directly, reviewed same-day.

  4. 4

    Your client funds, you get paid

    Funding typically lands within 24-72 hours of approval, and you're compensated on funded deals.

Partner questions

Bring us the file everyone else declined

Tell us about your business and the partner team will follow up to get you set up.