Small business funding
No credit check. Same day.
Business funding.
Immediate capital that moves — with or without your bank. A one-page application, an answer the same day, and funding built on your revenue, not your credit score.
- 2–3 minute application
- Funding in as little as same day
- No hidden fees
Funding types
Capital shaped to how your business earns
Five ways to fund — repaid from revenue or backed by property, chosen to fit your cash flow rather than fight it.
Not sure which fits?
Apply once and a funding specialist will match your revenue profile to the right product — no obligation.
Start with one applicationWhy Oak Capital
Built for the 35% banks turn away
More than a third of merchants can't get bank money. We built our process for exactly those businesses — fast, transparent, and judged on revenue.
One-page application
2–3 minutes, start to finish. No document stacks, no branch visits, no waiting rooms.
Fast approvals, expedited funding
Most applications are reviewed the same day, with funds in as little as the same day and typically within 24–72 hours.
Your revenue, not your credit
We fund the strength of your business. Zero denials due to credit — bad credit doesn't close the door here.
Flexible repayment
Multiple repayment options based on your revenue or your property, matched to how your business actually earns.
Transparent pricing
Every cost disclosed before you accept. No hidden fees, and early-repayment savings negotiated in advance.
A funding partner, not a portal
A specialist works your file from application to funding — and is still there the next time you need capital.
Our process
From application to funded in four steps
No mystery, no maybes. Here's exactly what happens after you hit submit.
- 1
Apply in minutes
One page. 2–3 minutes. No stacks of paperwork and no impact from a credit check to get started.
- 2
Same-day review
A funding specialist reviews your business's revenue and cash flow — not your credit score.
- 3
Transparent offer
Every cost disclosed up front, with multiple repayment options based on revenue or property.
- 4
Expedited funding
Accept your offer and receive funds in as little as the same day, typically within 24–72 hours.
Merchants on Oak Capital
Funded when it mattered
Getting capital from this team was incredibly easy — the application took minutes and I had funds in just a couple of days. It helped me stock up on instruments before the holiday rush. I'll definitely come back the next time I need quick capital.
I needed new equipment to keep up with demand, and this funding solution was a lifesaver. The terms were clear, and I knew exactly what to expect. Thanks to the fast approval, my café never missed a beat.
Banks kept dragging their feet, but here I was approved and funded almost immediately. The extra capital allowed me to onboard new clients without worrying about payroll. The process was straightforward and stress-free.
For ISOs & brokers
Fund the deals your lenders decline
An 84.7% approval rate means your pipeline stops leaking. Bring us the merchants other funders turn away and get paid on deals that actually close.
Explore the partner programFor affiliates
Turn your audience into funded businesses
Refer business owners who need capital and earn on every funded deal — with a partner team that keeps you in the loop.
Learn about affiliatesSee how much your business qualifies for
One page. 2–3 minutes. No credit-based denials — your revenue does the talking.