Oak Tree Financing has partnered with industry professionals, banking institutions and a long list of lenders, venture capitalists, leasing companies, and small business organizations to help increase access to start-up financing for small businesses.
Your certified account specialist will work with you to determine if you meet the criteria for any of our specialized lines of credits, many offering reduced interest rates as low as 0% for up to 15 months. To see if you qualify for small business financing, go to our Application Page or Call 1.800.OAK.0685
Your certified account specialist will guide you through our full Credit Line Requirements once you apply. Before you get started, learn about our basic Credit Line Requirements to qualify for financing.
A credit score of 640+ is required to qualify for the $5,000 financing option.
A credit score of 700+ is required to qualify for the $20,000-$250,000+ options. Or a solid co-signer who has a credit score of at least 700+.
You must not have declared bankruptcy and not had a foreclosure in the past 10 years.
This requirement varies per applicant. Please ask your certified account specialist to see how this applies to you.
Additional security may be required depending on the strength of your application and the amount of financing desired.
Oak Tree Financing has exploded our business. In 6 months we have done over $1 million in additional sales that we would have never been able to do that without the Oak Tree Financing tools.
This is something I would definitely refer to other business owners who are looking for immediate funding to grow their business.
Your Financing options were very timely for me. I was the first Home Improvement company in my area to offer financing and payment plans. Instead of losing customers who couldn't afford to pay up front for repairs, I now offer them the in house financing option. I now have all the money to buy supplies before I do the job. Enough Said. Thank you.
Learn about the rates and fees that are part of securing and using your line of credit.
Your account specialist will work with you to determine what amount of financing best meets the needs of your small business. In order to qualify, you must meet certain credit line requirements and your income must be able to comfortably support the monthly payments.
The chart below shows the approximate monthly payment for common financing amounts and can help you to decide what line of credit is right for your business.
Loan Size $5,000 $50/mnth
Loan Size $15,000 $150/mnth
Loan Size $30,000 $300/mnth
Loan Size $50,000 $500/mnth
*Rates above are based on an interest rate of 0%, and detail a monthly payment fee of 1% of the amount financed. Please add a closing fee of 7.5% with a minimum of $300. Your specific payment schedule will be calculated at the time of closing based on the evaluation of your application. This is an example of typical results, actual results will vary per client and institution.