Funding services

Working capital loans

Maintain operational momentum with flexible funding designed to cover payroll, inventory, seasonal fluctuations, and everyday business expenses. Our working capital solutions are structured around your revenue cycle, not rigid repayment schedules.

As a direct lender, we evaluate your business holistically — considering cash flow patterns, growth trajectory, and operational needs rather than relying solely on traditional credit metrics.

• Funding amounts tailored to your operational requirements
• Flexible repayment structures aligned with your revenue
• Rapid decision-making from our direct lending team
• No hidden fees — complete cost transparency from day one
• Ongoing access as your business evolves and grows

Equipment financing

Acquire the machinery, technology, and tools your business needs to compete — without depleting cash reserves. Our equipment financing programs are designed to spread costs over the productive life of the asset, preserving your working capital for operations.

Whether you're expanding capacity, replacing aging equipment, or investing in new technology, we structure terms that make economic sense for your business.

• Competitive rates structured around asset value and useful life
• Preserve cash flow while investing in growth
• Coverage for new and used equipment across industries
• Streamlined application and approval process
• Potential tax advantages through equipment depreciation

Business lines of credit

Establish a financial safety net that gives your business the flexibility to act on opportunities and navigate challenges. Draw funds as needed, repay, and draw again — a revolving source of capital that adapts to your business rhythm.

Ideal for managing cash flow gaps, funding inventory purchases ahead of peak seasons, or covering unexpected expenses without disrupting operations.

• Revolving credit facility you can access when needed
• Pay interest only on what you draw — not the full facility
• Flexible draw and repayment schedules
• Quick access to funds once approved
• Scalable limits that grow with your business

Revenue-based financing

Funding that flows with your business. Revenue-based financing adjusts repayment to your actual income, ensuring your obligations scale proportionally with your success. When revenue is strong, you pay more and finish faster. During slower periods, payments naturally decrease.

This approach provides capital without the rigidity of fixed payments, making it an ideal solution for businesses with variable or seasonal revenue patterns.

• Repayment tied to a percentage of monthly revenue
• No fixed monthly payment — obligations flex with income
• Ideal for seasonal businesses and variable revenue models
• Quick access to growth capital
• Preserves equity — no ownership dilution required

SBA loan guidance

Navigating SBA lending programs requires expertise and patience. OBAC provides guidance through the process, helping you understand which programs fit your needs, prepare documentation, and position your application for success.

We leverage our direct lending experience to help businesses access government-backed funding programs with competitive rates and favorable terms.

• Expert guidance on SBA 7(a) and 504 programs
• Documentation preparation and review support
• Competitive rate structures through SBA partnerships
• Longer repayment terms available through SBA programs
• Ongoing support throughout the application lifecycle