Commercial financing · Working with business owners nationwideQuestions? [email protected]
Commercial capitalPrivate 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.

24–72h

Decision speed

Reviewed by a credit desk, not a queue.

3–6 mo

What we read

Business bank statements and deposit stability.

Fixed

Cost 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

1

Open the portal

A short application — around eight minutes. Applying does not affect your personal credit.

2

Upload statements

Three to six months of business bank statements, uploaded one at a time as you pick them.

3

Receive 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

Ready when you are

Around eight minutes, and three months of statements.

Open the application