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A recapitalization strategy is the transfer of company ownership, typically to relatives, employees, management or others. It provides the seller with cash needed to exit while leaving the business in the hands of people who will ensure its legacy and continuity. A planned recapitalization succession transaction can optimize owner economics and buyer opportunities.

Oak Street Funding helps existing owners make well deserved financial exits while positioning future owners for long-term success. Our succession and recapitalization loans allow incoming owners to borrow funds against future cash flows.

Owner Advantages

  • Creates liquidity for owner
  • Allows exiting owner to participate in agency’s increasing value
  • Gives owner a say in succession/leadership
  • Delivers environment where owner can stay engaged as long as is preferred
  • Creates opportunity for taxes to be strategically managed

Successor Advantages

  • Creates ability to secure a business loan that might not otherwise be possible
  • Uses business profits to pay off the note instead of personal assets
  • Delivers environment where owner can stay engaged as long as is preferred
  • Can aid in employee retention as employees are more likely to stay if operations remain consistent

A Phased Approach

Proceeds from a succession/recapitalization loan are used by incoming ownership to begin repurchasing the existing owner’s membership interests or stock using a treasury stock approach. Equity is redistributed among succession owners. The loan can be structured as a one-time event or a multiple year transaction and buy-out. As a non-SBA lender, we have the flexibility to work with you to create a customized succession plan. Here is an example, for illustration purposes only*:

*Based on annual valuation formula and annual loan proceeds tranche. The third-party annual valuation gives opportunity for the seller to derive benefit from the results of the next two years of business production. Buyer, valuation and purchase similar to “dollar cost averaging”. Oak Street Funding does not provide any valuation. Subject to terms and conditions of loan documents being met over payout period.


Get Started: A Succession and Recapitalization Loan from Oak Street Funding can offer new possibilities for sellers, buyers and employees.

Succession Leadership Roadmap

He’s a great employee with a good head for business. You’ve hired well over the years, but he really stands out. As you watch him deal with your clients and analyze his numbers, you’re confident that, when the time is right, he’ll be ready to take your business’s...

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Planning Success

You’ve heard it a thousand times….if you fail to plan, you plan to fail. While cliché, it’s proven and still many businesses and even more individuals fail to plan. Planning is not only about defining a destination but planning in business equals results. Results...

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Insurance Agency Events


  • TWFG
    April 12-15, TX
  • BIG Independent California
    May 3-6, CA
  • PIA Indiana
    May 7-9, IN
  • FAIA
    June 13-16, FL

Learn More

To learn more about financing options for your business, please contact one of our knowledgable experts. We can answer any questions you may have, and suggest the best route for moving forward.

Email us below to begin the conversation.

Valarie J. Gavin



"This was the most organized and smooth process of a loan I have ever experienced. Everything went as I was told. We did not go back and forth on needing any other docs other than listed in the beginning. Thank you for such a smooth process."

Allan Boyd

"We can't say enough positive things about the personal touch and individualized service and attention we received. Commercial bankers could learn a thing or two from Oak Street! THANK YOU to all of you for making one of my dreams come true."

Richard Morache

"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 for the independent agency owner."

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Robert Jandrain

"I found the entire experience better than I had expected. Everyone was pleasant to work with and it was much less complicated than one would have thought. Not only would I recommend Oak Street Funding to anyone in need a financing but I will also you them for any future finance needs for my agency."

Matthew Chavez

"The thing most notable about working with Oak Street was your knowledge of the industry, like 'pledging future commissions as collateral'. You are in the business, which was invaluable. Compared to our external lenders (or attempts with those lenders) it was night and day. We looked at 8 lenders total throughout the process. Two were VC and 6 were local banks but primarily lending institutions and to be able to talk about carriers and contracts with Oak Street without getting the 'deer in headlights' look…you get it! From my perspective as a small owner…again, it was just invaluable."

Justin Honey

"Loan process was thorough and actually helped me get an even better picture of my cash flows and revenues throughout the process."

John Ridgway

"Extremely professional and courteous staff. From our first discussion through settlement, the responsiveness and thoroughness was fantastic. Your staff made this a great experience. Plan on recommending your firm to agents looking for funding because of my positive experience."

Have questions? Talk with our experts for more information.