Is Oak Street Funding a direct lender?

Yes, we are a direct, non-SBA specialty lending company. We provide a dedicated team of in-house loan experts to meet your business’s capital needs. And, unlike some other companies, your loan will not be sold to another organization.

How long will it take to put my financing in place?

All decisions are made by the Oak Street Funding team which allows us to expedite the process for our borrowers. The amount of time required to complete the business lending process depends on the timeliness of information provided by you and any respective parties to the transaction.

What are the rates, fees and terms on my loan?

We offer fixed and variable rate loans with terms up to ten years. Our rates are typically based on the treasury yield plus a spread. Our underwriting team evaluates each application to determine the appropriate rate for each situation. Factors that may influence your loan rate include loan term, type of loan, and strength in the 5 Cs of credit.

Loans for Insurance Agents

FLEXIBILITY TO GROW
Get capital based on your future revenue rather than your personal assets, which gives you the flexibility to grow at any stage of your agency’s life cycle.

ALIGNED WITH YOUR AGENCY
Our unique cash-flow analysis, fast turn times, and innovative technology are aligned to how you run your agency.

FREEDOM TO REINVEST
Free up capital with our interest-only loan options so you can invest in your agency today to grow tomorrow.

CONTROL YOUR TIME HORIZON
With terms up to 10 years, our loans are customizable to your needs and timeline.

Smiling business man in office shaking clients hand

Testimonials

When you are starting an agency from scratch as I was, you don’t always have a consistent cash flow. My working capital loan from Oak Street Funding was instrumental in allowing me to scale up.

AUTUMN BROWN YARBOROUGH Insurance Agent

This was the most organized and smoothest loan process I have ever experienced. Everything went as I was told. Thank you for such a smooth process.

VALARIE J. GAVIN Insurance Agent

Oak Street Funding is one of the few sources for an insurance agency in securing a loan when acquiring a book of business. Oak Street is a trusted financial partner who understands the insurance business.

RICHARD MORACHE Insurance Agent

Loans for Insurance Agents

Loan Solutions Exclusively for Insurance Agents

Insurance Agent Loan Solutions

Business Acquisition Loan

Succession & Partner Buy-In Loan

Working Capital Loan

Business Debt Restructure Loan

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