Turn Your Invoices into Immediate Working Capital with factoring loans.
Oakwell Commercial Partners connects businesses to bridge capital and working capital solutions when receivables are high but liquidity is tight. Our accredited lending partners fund against verified invoices, and for companies with existing loans we secure Intercreditor Agreements to unlock AR value.
Merchant Cash Advance companies aren't your only option.
*Timing depends on lien status, documentation, and lender diligence. Intercreditor agreements or additional audits can extend timelines.
Find Your Funding Now
Preliminary eligibility review by our lending partners requires only Company Name, Total Outstanding AR, and an AR Aging Summary (Current vs. 30/60/90 days). No TIN/EIN required for initial eligibility check. For businesses with existing loans, we specialize in securing Intercreditor Agreements to unlock your AR value.
Business working capital loans built around your receivables.
We facilitate underwriting based on your customers' invoice strength, not your FICO. We move fast so you can cover payroll, buy materials, and accept the next contract.
Where banks hesitate and Merchant Cash Advance companies overcharge, we deliver straightforward factoring and bridge credit backed by a national lender desk.
Oakwell Commercial Partners acts as a dedicated Financial Intermediary. We package your AR file and route it immediately to national lender desks, speeding decisions and bypassing slow retail banking queues.
Direct Routing
Your file is routed immediately to national lender desks—bypassing slow retail banking queues.
Tailored Structures
From spot factoring to ledgered lines of credit loans for repeat needs.
Business line of credit loans and AR programs that can wire in days through our lending partners.
Built for operators with tight cash cycles: we monetize invoices, not collateral you don’t have time to document.
Construction Factoring
We support Progress Billing and "paid-when-paid" contracts when the customer verifies proof of completion, with retainage-friendly structures for subs and GCs.
- Materials + labor draws
- Compliance docs handled
Medical Factoring
Speed capital against insurance reimbursements and hospital contracts to smooth 45-120 day lags.
- HIPAA-aware processes
- Non-recourse options
Staffing Invoice Factoring
Cover payroll every Friday while enterprise clients pay on net-45. Advance rates are based on debtor quality and your aging summary.
- Same-day approvals
- Debtor concentration friendly
Receivables Finance
Ledgered lines against your whole A/R so you can draw, repay, and draw again without bank covenants. Advance rates up to 80-85% on eligible AR with prime-plus pricing and servicing fees based on outstanding days.
- Revolving availability
- Blended with light fees
SBA 7(a) & 504 Financing with Bridge Capital
SBA loans offer the lowest cost of capital, but the process can take months. Oakwell arranges immediate Bridge Funding through accredited lending partners so you can seize opportunities today while we package your SBA file for tomorrow.
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Immediate Bridge Funding Access capital in 48-72 hours, subject to lender diligence and lien status, to cover closing costs, inventory, or payroll while SBA underwrites.
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Parallel Processing We structure the bridge loan specifically to be taken out by the permanent SBA facility.
Common Factoring Qualification Questions
Concise, qualification-focused answers to help you prepare your file and timeline.
Can I factor invoices if I already have a business loan?
Yes, but it requires an Intercreditor Agreement. Your existing bank must agree to subordinate their lien on your accounts receivable (AR) to the factoring company while retaining their first position on other assets.
What documents are required to open a facility?
To start a file, we typically require:
- Current Aging of Accounts Receivable
- Articles of Incorporation
- Copy of Officer's Driver's License
- Corporate Tax Returns (1 year only)
Representative Funding Scenarios
How we bridge the gap between high receivables and immediate liquidity.
Staffing & Payroll
The Challenge: An operator needs to meet weekly payroll for 50+ employees but their enterprise clients pay on Net-45 terms.
The Solution: We route this profile to payroll-specific funding partners who can advance up to 90% of the invoice value immediately, ensuring the workforce is paid every Friday.
Commercial Construction
The Challenge: A subcontractor is forced to turn down a lucrative bid because they lack the cash to float labor before the first draw.
The Solution: We identify lenders who specialize in Progress Billing. By leveraging the contract’s value, the client gains the capital needed to mobilize immediately.
SBA Bridge Strategy
The Challenge: A company is in the "SBA Queue," but the 90-day waiting period is causing them to miss out on a growth opportunity.
The Solution: We coordinate with bridge lenders to provide short-term liquidity that is specifically designed to be repaid by the permanent SBA loan at closing.
Sector Expertise
Our lending partners deploy dedicated underwriting teams familiar with the billing nuances of specific industries.
Staffing
Payroll Funding
Logistics
Freight Factoring
Construction
Progress Billing
Manufacturing
Purchase Orders