American businessesruns on capital.We deploy $34 billion of it.
We deploy across more than 250 institutional capital partners, including banks, SBA-preferred lenders, family offices, private equity firms, and venture capital funds. Our partners accept our deal flow because every file we send fits within their underwriting, which is why we do not try to fund every business that applies. We fund the ones we accept.
The application takes about 90 seconds, requires no credit pull, and carries no commitment to continue past the strategy call.
The capital we move
Built like an institution.
Run like a partner.
We operate with the network depth and underwriting discipline of a capital markets firm, paired with the responsiveness and accountability of a team that treats every accepted client as a direct relationship.
Deployable capital
Aggregate underwriting capacity across our active capital partners.
Capital partners
Including banks, SBA-preferred lenders, private equity firms, venture capital funds, family offices, asset-based lenders, and CDFI partners.
Placement range
From working capital lines to eight-figure acquisition financing.
States served
We place capital nationwide and currently work with clients in every state.
How we operate
We don't fund every business.
We fund the ones we accept.
Most firms in this space compete to take on clients. We compete in the opposite direction, working to bring our lender network the deals that consistently get funded. Our acceptance bar exists because our capital partners trust that every file we send them has been vetted against their underwriting standards before it arrives.
When we accept your file
Our team commits to your funding outcome.
Strategy development, packaging, lender pitching, underwriting management, and closing coordination are all handled by the same team that takes on your file at intake. There are no internal handoffs between departments because the work was designed to be carried by a single team from beginning to end.
We pitch your deal through relationships that take our calls.
Our institutional capital partners accept our deal flow because every file we send fits within their underwriting parameters. That selectivity is the reason our files receive priority attention when they arrive on a lender's desk, rather than being sorted into the general queue.
We stay engaged until your wire transfer arrives.
Every accepted file is completed on time, within the budget we set during the strategy call, and to the standards we have spent years building with our lender network. That commitment is part of every client engagement we accept, and it is the reason our acceptance bar exists in the first place.
Why this matters
It is why our lender partners prioritize our files when they arrive, and it is why our accepted clients get funded 100% of the time.
How we deploy capital
The work that happens
before your deal gets pitched.
Most firms in this space send your file out and wait to see what comes back. We take a different approach by modeling the deal, vetting the file against our capital partners' current underwriting standards, and pitching only when we already know which lender will approve it. By the time you see an offer, the underlying work is done.
Every file is pre-vetted before submission
Before your file reaches a lender, we run it through the same underwriting analysis our capital partners would apply: debt service coverage, cash flow analysis, collateral position, deal structure, and the sources and uses of funds. If a lender would decline the file as submitted, we identify the issue first, address what can be addressed, and restructure the deal where restructuring helps before we send it out.
Direct relationships produce direct answers
Our lender relationships take our calls, which means we receive straight answers on appetite, pricing, and structural preferences before we present a file. We track which capital partners are leaning into which deal types each month, so we can pitch into the strongest available hand rather than submitting blind.
We know which lender will fund the deal before we pitch
Deep deal analysis, financial modeling, and our running view of every partner's underwriting box allow us to identify the right lender for your deal before the file goes out. In most cases we already know the rate range we can expect, which means that by the time we pitch, the analytical work has been completed.
We stay engaged through closing
From the moment we accept your file through the wire transfer, the same team manages underwriting communication, document collection, condition tracking, and closing coordination. The team that pitches your deal is the team that closes it, which keeps execution consistent across the engagement.
The network
Four tiers of capital.
One team to access them all.
We are not specialists in any single category of capital because no single category serves every deal. Instead, we operate across the full spectrum so that we can place each transaction with the lender best positioned to fund it. The four tiers below define the network we work within.
Institutional Banks
National banks, regional banks, and credit unions handle the bulk of commercial mortgage, SBA-preferred, and conventional term lending volume across our network.
- National & regional banks
- SBA-preferred lenders
- Credit unions
Private Capital
Private equity firms, venture capital funds, growth equity sponsors, and family offices provide the equity, mezzanine, and structured debt that growth and acquisition deals frequently require.
- Private equity firms
- Venture capital funds
- Family offices
- Growth equity
Specialty Finance
Asset-based lenders, equipment finance specialists, bridge capital providers, and hard money sources handle the deals that need creative structure or move on a timeline that traditional banks cannot support.
- Asset-based funds
- Equipment finance
- Bridge & mezzanine
- Hard money
Mission Capital
Community Development Financial Institutions, community development funds, and other mission-driven lenders extend capital to qualified borrowers whose profiles fall outside traditional bank underwriting boxes.
- CDFI network
- Community lenders
- Specialty startup
- Microloan partners
Capital partners include
Loan products
Every loan type your business needs.
We place capital across the complete range of business loan products available in the United States. If a category of lender funds business transactions of any meaningful size, we are almost certainly in active relationship with several of them. Select a category below to see what we can place for your specific situation.
Try it
See what we'd pitch for you.
Drag the slider and pick a credit range. We'll show you which loan products fit. This is a preview. Pre-qualifying gives you the real answer in 90 seconds.
Loan amount
Personal credit score
Products that fit
5 / 10Unlocked with credit repair
Our credit repair partners typically move clients 75+ points in the first 30 days. After repair, these products open up:
Pre-qualify for the real answer. 90 seconds.
Apply for Capital →The process
From pre-qualify to funded.
Our process runs the same way for every accepted client. The five steps below describe what happens from the moment you complete the pre-qualify form through the day your wire transfer arrives.
- 01
About 90 seconds
About 90 secondsPre-qualify
The pre-qualify form collects the basic shape of your business and your deal using self-reported information only. There is no credit pull at this stage and no commitment to continue past the strategy call.
We learn the loan amount, purpose, business stage, revenue range, industry, state, and credit range.
- 02
30 to 45 minutes
30 to 45 minutesStrategy call
We get on a call to go deeper into the deal, the timeline, and your goals. By the end of the call you know which loan products fit, what rate range is realistic, and exactly which documents we need to package the file.
You walk away with a clear funding plan, a working timeline, and a document checklist.
- 03
4 to 10 days
4 to 10 daysLoan packaging
This is the work most firms skip entirely. Our team builds the file each lender expects to see, including cleaned-up financials, modeled projections, a refined business plan, and the full lender-specific narrative. Timing is driven primarily by how quickly you can get us the underlying documents.
We produce the file lenders expect to see, which is why our submissions get read instead of stacked.
- 04
Weeks 2 to 4
Weeks 2 to 4We pitch your deal
We identify the lender in our network most likely to fund your file and present the deal directly, by phone and email, to people we know. We push back on pricing, structure, and covenants as part of that presentation. Under most circumstances, a lender is selected within 30 days of the engagement beginning, with timing dependent on how responsive the client is during document collection.
Most accepted clients have a lender selected and ready to advance within the first month.
- 05
Up to 4 weeks
Up to 4 weeksClose and fund
Once you accept an offer, we stay engaged through close. Underwriting questions, document requests, and last-minute conditions all run through our team. Closing timing depends on lender due diligence and internal procedures that are outside our direct control, and we push where pushing helps.
We do not hand the file off at any point. The team that began the engagement stays with you until the wire transfer arrives.
Who we serve
If your business needs capital, we know who funds deals like yours.
Acquiring a business
SBA 7(a), conventional acquisition financing, seller note structuring, partner buyouts.
Buying commercial real estate
SBA 504, conventional CRE mortgages, ground-up construction, bridge financing.
Expanding operations
Working capital plus equipment financing structured together. Build-out, hiring, inventory.
Funding working capital
Lines of credit, short-term loans, invoice financing, alternatives to merchant cash advance.
Refinancing high-rate debt
Consolidate MCAs, refinance high-rate term loans, restructure to better terms. Free up cash flow.
Starting a business
SBA Microloan, Community Advantage, specialty startup lenders, CDFI options for pre-revenue.
Why Oak River
The same deal, three different outcomes.
The chart below illustrates how the same loan moves through each of the three common paths to business capital.
No deal too tough
Hurdles?
We've placed deals through worse.
Our CDFI lender relationships are built specifically for borrowers that traditional banks will not touch, and our credit repair partners can move most borrower files into lender-ready territory before we submit. If you can describe the hurdle, we have almost certainly placed a deal through something similar.
Common situations we work with
- Credit score under 620
- Limited or no collateral
- Denied by a bank already
- Pre-revenue or first-time owner
- MCAs stacked on your books
- Recent tax liens or judgments
No catches
Talk to us. There's no downside.
No credit pull
Pre-qualify without touching your credit.
Pre-qualification relies entirely on self-reported information. Hard credit inquiries happen only after you have accepted a lender's terms, and you control when that step is taken.
Flat fee, not a percentage
Total cost ends up a wash.
Our fee is a flat figure documented in writing before any work begins. We help you place it on a business line of credit so the cost remains off your personal accounts, and at close it wraps into the loan as a deductible business expense. The full mechanism is detailed in the pricing section below.
No commitment to apply
Walk away anytime, with no catch.
Pre-qualify, take the strategy call, review the numbers, and decide. If the offers we secure do not fit your needs, we shake hands and move on. You are never locked into anything along the way.
Our pricing
A pricing structure
that costs you nothing out of pocket.
Most firms in this space either charge nothing upfront, which signals they aren't serious about doing the work, or they charge a percentage of the loan, which creates an incentive to inflate rather than to close. We took a different approach. Our fee is a flat, predictable number that we structure to stay off your personal accounts and bake into the loan proceeds at close, where it qualifies as a deductible business expense.
How it works
$2,500 to initiate
The onboarding payment covers documentation preparation and the funding roadmap our team builds for your specific deal. If cash flow is tight at the start, the payment can be split into installments so that cost is never a barrier to beginning the work.
A flat service fee, placed on a business line of credit
The remainder of our fee is a single flat figure that you receive in writing before any work begins, and it is not a percentage of the loan. We help you establish a business line of credit to carry that fee, which keeps the cost off your personal accounts and preserves your cash position throughout the engagement.
Wrapped into the loan and fully deductible
When your loan closes, the full cost of our services is built into the loan proceeds, and we provide the documentation needed to claim the fee as a deductible business expense. The combination of reimbursement and tax treatment brings your net out-of-pocket cost to effectively zero.
The math
A flat fee structure aligns our incentives with yours because we are paid to close the deal, not to inflate it. Every cost is documented in writing before work begins, which means there are no surprises at the wire and nothing has to come out of your pocket along the way.
Beyond the funded loan
Our clients also gain access to a business line of credit.
Every accepted client has access to a business line of credit that sits separately from the funded loan. Standalone BLOCs of up to $100,000 are available for clients who need short-term working capital outside of the primary financing.
For clients funding a loan through us, we secure a complementary BLOC equal to roughly 10% of the loan value, with up to $250,000 available depending on the size of the engagement and the requirements of the build. This line is a bonus to the primary loan, not a reduction of it, and is intended for working capital and future expenses that arise after close.
Most firms in this space send your file to a long list of lenders and wait. We pick the right lender for your specific deal, pitch it directly using relationships we've built over years, and negotiate terms on your behalf. The other approach treats your loan like a lottery ticket. We treat it like our reputation depends on it. Because it does.
Your loan amount, business stage, revenue, credit, industry, and collateral profile narrow the field. We then match your file to the lenders in our 250+ network whose underwriting box fits and whose appetite for that deal type is strongest right now. Lender preferences shift constantly. We know the shifts because we talk to lenders every week.
If credit is the obstacle, there is a clear path forward. Our credit repair partners move most clients more than 75 points within the first 30 days. The flow is straightforward:
- Pre-qualify with us at your current credit range.
- If credit is the only factor standing between you and pre-approval, we conditionally pre-approve you on the spot.
- You agree to begin credit repair, and our partners take over from there.
- Once your score is in range, we move directly to packaging and pitching the loan to the lenders that fit your deal.
There is no additional cost for the credit repair work when you ultimately fund through us.
No. Pre-qualification relies entirely on self-reported information about your credit range, which is what we use internally to match you with suitable lenders. Hard credit inquiries occur only after you have formally accepted a lender's offer, and you control when that step is taken.
Two pieces. First, a $2,500 onboarding payment covers documentation prep and the funding roadmap we build for your specific deal. Splittable if needed.
Second, a flat one-time service fee for everything that follows. We don't charge a percentage of the loan. The flat number is in writing before any work starts. We help set up a business line of credit to cover that fee so the cost stays out of your personal accounts and you keep as much cash on hand as possible.
At close, the full cost of our services gets wrapped into the loan proceeds and qualifies as a deductible business expense with the write-off documentation we provide. The total cost to you ends up being a wash.
The reason we use a flat fee instead of a percentage is alignment. Our incentive is getting your deal across the line, not inflating it. Every cost is known in writing. Nothing comes out of pocket. Nothing surprises you at the wire.
It depends on the loan type and how quickly we get documents back from you.
- Working capital and lines of credit: as fast as 24 hours.
- SBA loans and commercial real estate: 6 to 10 weeks on average.
- Acquisitions, construction, and credit repair deals: 8 to 12 weeks typically.
We tell you upfront what timeline to expect for your specific deal.
$50,000 to $15,000,000 is our standard placement range, covering everything from working capital lines to eight-figure acquisition financing.
Deals above $15 million are possible, but they require a different process. We do significantly deeper due diligence on credibility, creditworthiness, capital requirements, and deal structure to confirm it's a fit before we accept it. Below $50,000, we'll usually refer you to someone better suited.
All 50 states.
Let's get you funded
Capital is closer
than you think.
The pre-qualify form takes about 90 seconds and gets you to a real answer from our team. Tell us what you are working on, and we will tell you what is possible.
About 90 seconds to complete, no credit pull, and no commitment to continue past the strategy call.