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Answers, not runaround.
Short, original answers. No invented statistics. If something is not on this page, ask via contact.
How much funding can I get?
It depends on deposits, existing obligations, and the product. We do not advertise a headline maximum as a promise.
How fast can funds arrive?
Days for some deposit-backed structures. Weeks for longer or SBA paths. We do not advertise a same-day guarantee.
Does applying affect my credit?
The initial application is designed as a soft inquiry. If a later product requires a hard pull, that is disclosed first.
What are typical starting qualifications?
About six months in business, around $15,000 in monthly revenue, and personal credit near 500 or higher. Frames, not guarantees.
What can I use the money for?
Working capital, inventory, equipment, payroll, expansion, acquisition, or refinance — when repayment fits the cash cycle.
Which industries do you work with?
Restaurants, construction, healthcare, retail, transportation, manufacturing, wholesale, trades, ecommerce, beauty, professional services, hospitality, agriculture, and similar deposit-driven operators.
Are you a bank? Are you the SBA?
No. Oak Harbor Capital is a financing marketplace. Some facilities are issued by third-party sources.
Why do you not show a phone number?
We use email contact only. We do not invent a phone, street address, or awards wall.