We’ll Get You There


Are you a Buy Here – Pay Here auto dealership?  Do you need access to capital to support your growth?  Oak Street Funding provides loans for captive finance companies supported by auto loan receivables.

We can help you achieve your goals with a business loan to help you maximize your cash flow.


Oak Street Funding’s indirect auto loans can be used by captive Buy Here – Pay Here auto finance companies as a revolving line of credit for:
  • Accounts receivable financing
  • Acquisition of used vehicle inventory
  • General corporate purposes


For more information, please contact Bill Bower or Rick Dennen.
Bill Bower

Bill Bower

Market President

Contact Bill

Rick Dennen

Rick Dennen

Founder, President & CEO

Contact Rick


Oak Street Funding has over 25 years of combined experience in lending to specialty finance companies – with an emphasis on working with dealer controlled finance companies (Buy Here – Pay Here). Many of our indirect auto clients have been involved with us since the early 2000’s. We bring a deep knowledge base of the industry combined with bank rate financing and competitive advance rates and loan structure. We can handle lines of credit from $3MM up to $30MM.

We use state of the art technology to monitor our borrowers’ portfolios with a simple monthly reporting package that allows us to fully understand your business and position our company to grow with you.


What type of loan terms do you give?
Lines are multiple years (typically 48 months) with advance rates against eligible accounts up to 60%.
What are the steps involved in getting a line of credit with Oak Street?
We first begin with a site visit to learn about your operation and history. We then follow up with an initial field audit as well as a financial statement and portfolio review. Overall, the process takes around 30 days.
What are your interest rates?
We have commercial bank rates based either on LIBOR or prime rate.
What type of dealers are you looking for?
We like to work with groups that have 10 + years BHPH experience and have good, consistent presence in the markets and communities they serve.