Commercial capital•Private credit sources
Commercial working capital, arranged and managed end to end.
Oakstone Funding arranges non-dilutive capital for established operating businesses. Files are underwritten on operational bank cash flows — without syndicated delays or compounding debt covenants.
24–72hDecision speed
Reviewed by a credit desk, not a queue.
3–6 moWhat we read
Business bank statements and deposit stability.
FixedCost structure
Stated in writing before you commit to anything.
Capital products
Three structures for three different problems
The right one depends on how money moves through the business — whether you need capital that flexes with sales, availability you can draw against, or a fixed schedule you can plan around.
Cash-flow aligned
Revenue-Based Financing
Flexible capital that flexes with your daily sales volume.
- Remittances move with deposit volume, so a slow month costs less
- Underwritten on operating bank cash flows
- No compounding interest and no debt covenants
- Renewals and supplemental capital on an active account
Decision 24 to 48 hours
Revolving
Business Line of Credit
Reusable revolving credit where you only pay for what you draw.
- Interest accrues only on drawn capital, not the committed facility
- Availability reloads as you repay
- Draw requests funded same or next business day
- No annual audit requirement or arbitrary freeze triggers
Decision 24 to 48 hours
Fixed schedule
Working Capital & Equipment Term Loan
Predictable fixed monthly amortization for major capital outlays.
- Amortised against projected cash receipts
- Equipment acquisition, expansion and refinancing
- Fixed and floating schedules available
- Early payoff provisions written in
Decision 48 to 72 hours
How it works
From application to terms
1Open the portal
A short application — around eight minutes. Applying does not affect your personal credit.
2Upload statements
Three to six months of business bank statements, uploaded one at a time as you pick them.
3Receive terms
What is available, what it costs and what it requires, in writing.
Before you start
What to have ready
Everything below can be uploaded from a phone. Statements upload as you pick them, so nothing depends on one large submission at the end.
- Government-issued photo ID
- 3 to 6 months business bank statements
- Proof of business registration
- EIN confirmation letter
- Voided check or bank letter