Apply online
Share the entity, amount, and use of funds. Soft inquiry to start. You are not accepting terms by sending the form.
Small-business funding
Working capital for operators who already run.
Compare eight funding structures in one application. We review deposits, match a facility your cash cycle can service, and say no when it cannot.
Applying is free and designed as a soft inquiry. This is a review request — not an offer of credit.
8 structures · one applicationHonest product set — not a volume claim
6+ moTime in business as a starting frame
$15k+Monthly revenue often discussed as a floor
500+Personal credit neighborhood, not a trophy
Soft inquiryHard pull only if later disclosed
Funding products
Eight ways to fund the next move.
Each card carries an honest spec chip — amount style, term style, or speed frame — not a guaranteed approval. One application covers the set.
Lines of credit
Revolving capacity you draw when deposits dip — and repay when they recover.
Revolving · Draw as needed Learn more →
Short-term loans
A defined amount on a defined clock for near-term gaps and purchases.
Defined term · Lump sum Learn more →
Long-term loans
Larger amounts with longer terms when the use should outlast a busy quarter.
Multi-year · Planned use Learn more →
Invoice factoring
Advance against billed, unpaid work instead of waiting on net-30 or net-60.
Advance on receivables Learn more →
Equipment financing
When the asset is the plan — trucks, machines, kitchen lines, shop tools.
Asset-backed · Vendor invoice Learn more →
Merchant cash advances
An advance against future card or ACH deposits, repaid as a share of intake.
Deposit-tied · Faster path Learn more →
Revenue-based financing
Capital repaid as a percentage of revenue so payments flex with the month.
Flex with revenue Learn more →
SBA loans
Longer, often cheaper paths through partner lenders. We are not the SBA.
Longer docs · Partner lenders Learn more →How it works
Funded in three clear steps.
No same-day guarantees. The work is matching a facility to deposits you already have.
Get matched
We review statements, existing obligations, and whether a quiet month can still service the facility.
Get funded
When a source can underwrite it, terms are written before anyone signs. Timing depends on the product — days for some, weeks for others.
Why Oak Harbor
A review, not a scoreboard.
We built the process around deposits and repayment math — not invented volume claims or award walls.
Deposit-led underwriting
Recent activity and existing obligations come before the product name on the card.
One application, eight structures
Line, term, factoring, equipment, merchant, revenue-based, or SBA — matched to the use of funds.
Written terms first
Cost, holdbacks, guarantees, and default language are discussed before a signature.
Permission to decline
We would rather say no than force a facility whose repayment fights the cash cycle.
Industries
Funding shaped around how you actually earn.
Fourteen verticals with real operating photos — restaurants, crews, clinics, fleets, shops, and more. The deposit pattern is the underwrite.
Restaurants & catering
Inventory, payroll, and the Tuesday after a holiday rush.
Construction
Materials and labor on someone else's draw schedule.
Healthcare
Staffing and equipment while payers catch up.
Retail
Inventory that has to turn before the next invoice.
Transportation & logistics
Fuel, freight, and maintenance while settlement waits.
Manufacturing
Raw materials, tooling, and shop labor ahead of shipments.
Wholesale
Stock the warehouse before buyers cut purchase orders.
Auto repair
Parts, lifts, and bay payroll between busy weeks.
HVAC & trades
Trucks, tools, and materials before the job invoices.
Ecommerce
Inventory and ads ahead of the next sales cycle.
Beauty & wellness
Chairs, product, and payroll between appointment peaks.
Professional services
Payroll and overhead while clients pay on net terms.
Hospitality
Rooms, kitchens, and seasonal staffing swings.
Agriculture
Inputs and equipment ahead of harvest or sale cycles.
Soft qualification
Most reviews start from a simple frame.
These are starting points — not guarantees. Banks may ask for more; some deposit-backed paths can work with less documentation and more cost.
6+ moTime in business
$15k+Monthly revenue
500+Personal credit
Get options
See what your business qualifies for.
Tell us a little about the company. A reviewer follows up with structures that fit — or a clear decline. No obligation to accept a facility.
- Eight products through one application
- Soft inquiry to start the review
- Terms written before anyone signs
- A clear no when the cash cycle cannot support it
Get my funding options
Name, business, amount, and use of funds. Soft inquiry to start.
The request is in.
A reviewer follows up at the email or phone you entered. Submitting is a review request — not an offer of credit.
FAQ
Short answers. No invented statistics.
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. Share the amount you need and we size against the cash cycle.
How fast can I get funded?
Some deposit-backed structures move in days. Longer or SBA paths take weeks. We do not advertise a same-day guarantee.
Will applying hurt my credit score?
The initial application is designed as a soft inquiry. A hard pull is not required to start. If a later product requires one, that is disclosed before it happens.
What do I need to qualify?
Typical starting frame: 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 — as long as the use is legal and the repayment fits your deposits.
Are you a bank? Are you the SBA?
No. Oak Harbor Capital is a financing marketplace. Some facilities are issued by third-party sources. We say so before you sign.
Ready to fund the next operating move?
Share a few facts about the business. Soft inquiry to start. No obligation to accept a facility.