Lenders compete.
You choose.
We close it.
We package your loan once. We run it across 100+ lenders, partners, and investors. You see every offer and pick the one with the best terms. From $50,000 to $15 million, every loan type, every stage of business.
- 90 seconds to pre-qualify
- No credit pull
- No commitment
How business loans usually work
Three paths. None of them great.
Most business owners try one of these and burn months in the process. The common thread: you do the work, you absorb the risk, and you take whatever terms you can get.
Going to a bank
One answer. Eventually.
You apply with one institution. They take 30 to 60 days to maybe say yes. If they say no, you start over.
Hiring a broker
Warm intro. Then silence.
You pay someone to make introductions. They send your file to a handful of contacts. After the hand-off, you're on your own to push the deal through.
Doing it yourself
Nights and weekends. For months.
You spend evenings filling out applications. Each lender wants something slightly different. By the time you're packaged, the opportunity has moved on.
There's a fourth way.
The Oak River way
We package your file. We bring you offers. You stay focused on running your business.
100+ lenders, one application
You fill out a single pre-qualify form. We route your packaged file to the lenders most likely to fund your specific deal. Banks, credit unions, SBA-preferred lenders, CDFIs, private capital. The full network.
Done-for-you loan packaging
Three-year projections. Business plan. Cleaned-up financials. Use of funds. We build the file lenders actually want to see, so your deal stands out instead of sitting in a stack.
A competitive process
Multiple lenders review your file at the same time. You see every offer side-by-side. You compare rates, terms, fees, and covenants. You pick the one that fits.
We stay in the deal until close
We don't disappear after the intro call. We manage the back-and-forth with underwriting, push back on unreasonable conditions, and coordinate closing so the wire actually hits your account.
Loan products
Every loan type your business needs.
We place capital across the full range of business loan products. If a lender in the country funds it, we probably know them. Pick a category to see what we can place.
The process
From pre-qualify to funded.
No mystery, no surprises. Here's exactly how the process runs from the moment you fill out the form to the day the wire hits.
- 01
90 seconds
90 secondsPre-qualify
Tell us about your business and your deal. Self-reported info only. No credit pull. No commitment.
What we learn: loan amount, purpose, business stage, revenue, industry, state, credit range.
- 02
30-45 minutes
30-45 minutesStrategy call
We map your deal to the lenders in our network most likely to fund it. You'll know what rate range to expect, what terms are realistic, and what documents we need to package the file.
What you walk away with: a clear plan, timeline, and document checklist.
- 03
1-3 weeks
1-3 weeksPackage and place
Our team builds the file. Cleaned-up financials, three-year projections, business plan, use of funds. We send the polished package to the lenders most likely to compete for your deal.
We produce what lenders expect to see — so your file gets read instead of stacked.
- 04
1-4 weeks
1-4 weeksYou pick, we close
Offers come back. You see every one side-by-side. We help you compare rate, term, fees, and covenants. Once you choose, we run point with underwriting through to wire.
We don't hand you off. We stay in the deal until the wire hits your account.
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.
Here's how your loan actually moves through each option.
No deal too tough
Hurdles?
We've placed deals through worse.
Our CDFI lender relationships are built for borrowers traditional banks won't touch. Our in-house credit repair team can get your file lender-ready before submission. If we've seen a hurdle, we've placed deals through it.
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.
We use self-reported information to match you to lenders. Hard pulls only happen after you accept a lender's terms — and you control when that is.
No upfront fees
We get paid only when you fund.
No retainer. No deposit. No "deal prep fee." Our fees come from the closed deal, billed at funding. If your deal doesn't fund, you don't owe us anything.
No commitment to apply
Walk away anytime. No catch.
Pre-qualify, do the strategy call, get the numbers, decide. If the offers don't fit, we shake hands and move on. You're never locked into anything.
Flat fee on smaller loans, or a percentage on larger ones. Billed at close. No upfront retainers, no deposit, no fees if your deal doesn't fund. The exact fee depends on loan size and complexity, and we tell you upfront before any work starts.
No. Pre-qualification is self-reported. You tell us your credit range, we match you to lenders. Hard pulls happen later, only after you've accepted a lender's offer. You control that step.
It depends on the loan type and how quickly we get documents back from you.
- Working capital and lines of credit: a few days to a couple weeks.
- SBA loans and commercial real estate: 4 to 8 weeks typical.
- Acquisitions and construction: 8 to 16 weeks.
We tell you upfront what timeline to expect for your specific deal.
Bring it. We work with CDFI lenders built specifically for borrowers traditional banks won't touch, and our in-house credit repair team can get your file lender-ready before submission. A previous denial is not a disqualifier — often it just means the wrong lender saw the file.
$50,000 to $15,000,000. Below or above that range, we'll refer you to someone better suited rather than waste your time.
A licensed loan brokerage. We don't fund loans directly. We package your deal and run it across the lenders in our network most likely to fund it, then stay in the deal until close. Where state law requires a broker license we don't hold, we operate through licensed partner brokers.
Nothing to pre-qualify. Once we're working your file, we'll request the standard package: two to three years of business tax returns, recent bank statements, business financials (P&L and balance sheet), personal financial statement, and a use-of-funds breakdown. For real estate or acquisition deals, the lender will ask for a few more documents.
All 50 states. Where state law requires a brokerage license we don't hold directly, we operate through licensed partner brokers — same process, same team, fully compliant.
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.