Three ways to partner.
All of them profitable.
Whether you're a professional sending us deals, a capital partner looking for pre-vetted opportunities, or a brand that wants to white-label our infrastructure. We've built a track for you.
Track 1 · Referral partners
Earn $5,000 to $10,000
for every closed referral.
You already see clients who need capital. CPAs see them in tax season. Accountants see them in monthly closes. Business consultants see them in every strategy session. We turn those conversations into income.
$5,000 to $10,000 per closed deal
Paid at close, by wire, the same week the deal funds. Larger deals scale up. Major acquisitions and CRE placements pay materially more.
Six-figure income from 2-3 deals a month
Our top referral partners (CPAs, accountants, business advisors) are clearing full-time salaries from referrals alone. Most are doing it part-time.
You introduce. We do the work.
Hand off the borrower. We run intake, packaging, lender pitching, underwriting, and closing. You stay informed without lifting a finger.
White-glove client experience
Your referral is a reflection of you. We treat their file like our reputation depends on it. Because yours does.
The math
3 closed deals/month × $7,500 avg = $270,000/year
Our most active referral partners hit this number working their existing book of business. No cold outreach, no extra sales effort. Just sending the deals that already cross their desk.
Track 2 · Institutional partners
Banks, PE, VC.
Deals delivered on a silver platter.
We bring you pre-vetted, pre-modeled, pre-underwritten deals. Our team filters the disqualifications so yours only sees the best of the best. Less time on intake. More time on the deals worth doing.
DSCR pre-modeled
Debt service coverage already calculated and stress-tested against your underwriting bands.
Rent-to-income mapped
For real estate deals, we pre-compute rent-roll-to-debt-service and tenant concentration risk.
Location and market validated
Demographic data, traffic counts, comparable lease rates, and adjacent businesses mapped before the file lands on your desk.
Personal financial profile complete
Household income, liquid reserves, credit score range, contingent liabilities. Verified, organized, ready to underwrite.
Collateral packaged
Title work, valuations, lien searches, equipment schedules. The collateral story is told before you ask.
Use of funds proven
Sources and uses, three-year projections, sensitivity analysis. The deal is justified before you see it.
The asymmetry
Your underwriting team sees only the deals worth their time.
We absorb the DQ work. Bad credit, broken financials, weak collateral, unclear use of funds. None of those reach you. The files you see have already been packaged, modeled, and pre-qualified against your specific underwriting box.
Track 3 · White-label partners
Your brand.
Our infrastructure.
Loan packagers, fintech brands, and adjacent service providers. We run the back-office under your brand. Your borrower never sees Oak River. You scale capacity without scaling headcount.
Done-for-you packaging
You hand us a borrower. We deliver a fully packaged file ready to submit to your lenders. Under your brand, in your template, with your borrower never seeing our name.
Lender pitching and placement
Already have a lender network but not the placement team? We pitch your borrower files directly to your lender list. Your brand. Our infrastructure.
Full back-office
Packaging, pitching, underwriting coordination, and closing. All run by our team, white-labeled under yours. You scale capacity without scaling headcount.
Who this is for
Loan packagers, fintech platforms, and broker shops scaling beyond capacity.
If your sales team is bringing in more deals than your back-office can handle, or you want to offer a service you don't have the team to staff, talk to us. We'll plug in behind your brand.
Let's get you funded
Capital is closer
than you think.
90 seconds gets you to a real answer. Tell us what you're working on, and we'll tell you what's possible.
No credit pull. No commitment. No upfront fees, ever.