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 MGAs

FLEXIBILITY TO GROW
Obtain capital based on your biggest asset – future revenue – which gives you the flexibility to grow regardless of where you are in your business life cycle.

CONTROL OF YOUR TIME HORIZON
We customize financial solutions and have flexible loan terms, so you can take charge of how you want to manage your business finances.

ALIGNED WITH YOUR BUSINESS MODEL
Our unique cash-flow analysis, fast turn times, industry knowledge, and innovative technology are aligned to how you run your business.

FREEDOM TO REINVEST
Interest-only loans are available to allow you to free up capital and invest in your business today in order to grow tomorrow.

SMART BORROWING FOR YOUR FUTURE
Our loans fit your business needs and are non-SBA so you can keep personal and business assets separated.