Four steps. No mystery. No maybes.

The application is one page and takes 2-3 minutes. You tell us the basics: who you are, what your business does, and roughly how much capital you're looking for.

There's no stack of documents to gather before you start, and starting won't ding your credit, approval here is built on business performance, not a credit pull.

A funding specialist, a person, not a scoring algorithm, reviews your business's revenue and cash flow the same day for most applications.

This is where Oak Capital differs from a bank: 35% of merchants can't get bank money, yet we approve 84.7% of merchants, because we're evaluating the business you've actually built.

Your offer lays out every cost before you accept. No hidden fees, no fine-print surprises, what you see in the agreement is what you pay.

You'll also see your repayment options: structures based on your revenue or your property, matched to how your business earns. If you want the ability to save by finishing early, that's negotiated and written in now, in advance, not after the fact.

Accept your offer and the capital moves. Funds are typically available in as little as the same day, and generally within 24-72 hours.

And the relationship doesn't end at funding, your specialist stays your point of contact for the life of the agreement and the next time you need capital.