Explore Our Financial Tools & Expert Services
Explore tailored financial solutions that propel you towards financial freedom.
Credit Repair
We don’t believe in quick fixes.
We help you rebuild financial strength so your business is positioned for long-term capital access
and we stand with you throughout the process.
Tri-merged FICO Score
Before we talk funding, we start with facts. For just $1, pull your real tri-merged FICO score — the same report lenders actually use, not the free app version. Know exactly where you stand before you apply anywhere. Knowledge is leverage.
Equipment Financing
This isn’t just financing — it’s forward movement.
We help you secure the equipment that keeps your business building.
Working Capital
Keep your business moving and your team paid.
Working capital gives you the breathing room to handle materials, payroll, and growth without slowing down.
Term Loans & SBA Loans
A specialist will tailor a business loan to fit your needs. Our SBA loans have some of the lowest rates available with an SBA 7a, 504, or express loan.
Business Line of Credit
Access capital for your business when you need it and only pay interest on the funds you use.
Invoice Factoring
You’ve done the work — now get paid for it.
Invoice factoring turns receivables into immediate working capital so you don’t have to wait 30–90 days.
Commercial Real Estate Financing and Investing
Get funding for your next real estate project. Fix and Flip Funding, Single Family/Multi Family and more.
FAQs
Your Queries Answered: Navigating Financial Success with Oak and Iron
I have bad credit and even a previous bankruptcy. Can you get me funding?
This is one of our most frequently asked questions and the answer is YES! If you have poor personal credit, or even have filed previously for bankruptcy, we can still provide you with working capital. The qualifications are 1) you have been in business for at least 3 months and 2) your business generates sales in excess of $4,000 per month. In over 90% of cases, if you meet these two requirements, we can provide you with funding!
What can I use the funding for?
It is your money for your business, so you can use it however you see fit. Many of our clients use funding to cover payroll, renovate, manage inventory, expand, purchase equipment, and a variety of miscellaneous business expenses. You are the expert in maintaining and growing your company, and we are the experts in getting you the money you need to do so. It’s a win-win situation
What is the minimum requirements for funding?
Minimum of three months in business.
Minimum of $5,000 in monthly revenues.
Your business is based in the United States.
How do I get started with Oak and Iron?
Hit the 'apply now' button and fill out all the info you can, so we can get started.
Are you the one funding me?
No, we are the middle man in between you and success!
What is your application process?
The application process is straightforward and should take approximately five minutes. You can submit an application through our website to guide you through the process. Once we receive your full application and supporting documents, you will receive an offer within 24 hours.