ABOUT THE COMPANY
Why we're here
Most small business owners don't fail because they're bad at what they do.
They fail because they hit a moment — a big contract, a slow season, a piece of equipment they need, a client paying 60 days late — and they don't know what their financing options are. The bank says no. They figure that's the end of the conversation.
It isn't.
There are a dozen funding products built for exactly those moments. Most business owners have never heard of them.
Oak & Iron exists to close that gap.
The story behind the name
Before this brokerage, I ran a small assembly business out of Connecticut. Furniture, fitness equipment, swing sets — if a family bought it in a box, I'd show up and put it together. The work was steady. The phone was ringing. The reviews were good.
I closed it after about seven months.
Not because the demand dried up — because I needed working capital to keep up with the orders coming in, and I didn't know what was available to me. The bank told me no. I assumed that was the only door, so I walked away from a business that was working.
A few years later I learned what I should have known then: I had options. Equipment financing. Working capital lines. SBA products. Invoice factoring. Any of them could have kept that business open.
Nobody told me. Nobody walked me through it.
That's the gap I'm filling now — for the contractors, trades, restaurant owners, and shop owners across Connecticut who are sitting where I sat, hearing "no" from a bank, and assuming it's over.
What we do
Oak & Iron is a commercial lending brokerage. That means I don't lend the money myself — I work for you to find the right lender out of a vetted network, then walk you through the process from application to funding.
You get one point of contact. I do the work of shopping your deal across multiple lenders to find the best fit. You get options, you get straight numbers, you make the call.
The product stack:
SBA Loans — long terms and lower rates for established businesses
Equipment Financing — get the tools without draining cash reserves
Working Capital / MCA — fast funding based on revenue, not just credit
Business Lines of Credit — flexible capital you only pay interest on when you use it
Invoice Factoring — stop waiting 30-60 days to get paid for work you've already done
Commercial Real Estate — finance your own building instead of paying someone else's mortgage
Deals from $20K to $ 1 Million. All credit profiles considered. Minimum to qualify: 4 months in business and $8K/month in revenue.
Who we're built for
Oak & Iron was built specifically for the people I came from — the ones doing the work with their hands, their tools, and their reputation:
General contractors and homebuilders
HVAC, plumbing, and electrical companies
Landscaping and tree services
Auto repair and body shops
Restaurants and food service
Small medical and dental offices
Retail and small specialty businesses
If you operate a small business in Connecticut or anywhere in the Northeast and you've been told "no" — or you've been afraid to even ask — we should talk.
How we're different
No fluff. I'm not going to pitch you on products you don't need. If your situation calls for one specific funding option, that's the only one we'll discuss.
No runaround. You'll have my cell number from day one. When you call, I answer — or I call you back the same day.
No hard pitch. This is a fit-finding business, not a closing business. If the numbers don't work for you, we don't move forward. Simple as that.
No surprises. Rates, fees, terms, and timing — all on the table before you sign anything.
I'd rather tell you "I can't help with this one" and earn your trust than push a deal that doesn't serve you.
About me
I'm Matthew Perry — founder, broker, and only employee.
I'm a U.S. Army veteran. Connecticut-based, Harwinton-based to be specific. I've been on the wrong side of "no" from a bank, and I built this brokerage to make sure other small business owners don't have to learn the way I learned.
Oak & Iron is veteran-owned and operated. That's not a marketing tag — it's the foundation of how I work. Discipline, straight talk, and follow-through are the standard.
When you call, you talk to me. When something needs to get done, I'm the one doing it. And when your business succeeds, I take that personally.
Ready to talk?
If you're sitting where I once sat — needing capital, not sure what's available, tired of being passed around — let's have a 10-minute conversation. No pressure, no obligation, no cost.
[See What You Qualify For]