Business Funding Solutions
Flexible capital options designed to support your business growth and operational needs
Our business financing programs offer scalable funding based on your revenue, industry, and goals. Whether you're expanding, purchasing equipment, managing cash flow, or investing in new opportunities, we structure solutions that align with your business cycle.
Fast Approval
Get approved in 24-48 hours with minimal paperwork
Flexible Terms
Repayment options that work with your business cycle
Up to $5M
Funding amounts that scale with your business needs
No Collateral
Most products require no collateral for qualified applicants
Choose Your Funding Solution
Explore our comprehensive range of funding options designed to meet every business need
Merchant Cash Advance
Financing based on future receivables ideal for businesses with steady card or digital payments
Amount
$5K - $500K
Term
3-18 months
Approval
Typically 24 hrs
Working Capital Loan
Short-term financing for operational needs, growth initiatives, or seasonal expenses
Amount
$10K - $2M
Term
6-24 months
Approval
24-48 hrs
Term Loans
Longer repayment horizons for planned investments and growth strategies
Amount
$25K - $5M
Term
1-5 years
Approval
2-5 days
Business Line of Credit
Flexible revolving access to capital when you need it
Amount
$10K - $500K
Term
Revolving access
Approval
24-72 hrs
Equipment Financing
Acquire or upgrade essential equipment with asset-backed funding
Amount
$5K - $5M
Term
1-7 years
Approval
24-48 hrs
Invoice Factoring
Convert outstanding invoices into immediate working capital
Amount
$10K - $10M
Term
Based on invoice cycles
Approval
Typically 24 hours
Simple 4-Step Process
From application to funding, we make it easy and fast
Apply Online
Submit basic business information through our secure form.
Review
We evaluate revenue, financials, and funding needs.
Funding Decision
Receive approval terms once underwriting is complete.
Grow
Deploy capital for operations, expansion, or investments.
Why Choose Oak Beach Lending?
We're committed to helping businesses thrive with flexible funding solutions
Fast Application Review
Most applications receive an initial decision within 24–48 hours, depending on documentation and underwriting requirements.
Flexible Repayment Options
Terms designed to fit your revenue and cash-flow patterns, with multiple program types available.
Scalable Funding
Access capital that grows with your business loan amounts and limits vary by product and qualifications.
Frequently Asked Questions
Get answers to common questions about our funding solutions
Many funding decisions occur within 24–48 hours. Funding timelines depend on documentation and underwriting review.
Credit is one factor considered, but decisions also weigh revenue, business performance, and cash flow.
Some programs are unsecured, while others may require collateral or use the financed asset itself.
Yes. Some businesses use multiple products depending on needs and growth plans.
Typically: bank statements, business identification, revenue details, and proof of ownership. Additional documents may be requested.
Ready to Grow Your Business?
Take the first step towards securing the capital you need. Our funding specialists are ready to help you succeed.