The long view.
A business growth and capital advisory firm. Capital, credit, partnerships and property for owners, operators, investors and acquirers. We work on the decisions that outlast the transaction.
Growth is rarely a funding problem.
It is usually a structure problem, a timing problem, or a relationship problem.
Capital is one instrument for solving those. Knowing which one is actually needed is the work.
Capital, credit, relationships and property are connected, and the answer is often in a different column from the question.
Who we work with.
Oakspire Group is built around relationships rather than transaction volume. The standings below tend to need each other, which is most of the value of being in the same room.
- Business owners Established, owner-operated, and at the point where the next move needs capital or structure behind it.
- Entrepreneurs Building something with real revenue behind it, and deciding how to fund the next stage without giving away more than it costs.
- Operators Running the business day to day. Equipment, crews, receivables, and the decisions that look small until they compound.
- Investors Private capital looking at acquisitions, participations and businesses worth backing. We work both sides of that table and say plainly which one we are on.
- Acquisition entrepreneurs Buying a business, often with property attached. Two underwriting processes running at once, and a capital stack that has to satisfy both.
- Real estate and property owners Sponsors, investors and owner-occupiers on acquisition, refinance and repositioning. Property and operating businesses share more problems than either side usually admits.
- Strategic partners Accountants, attorneys, brokers and operators who encounter these situations and want somewhere credible to send them.
What moves between them.
Capital, operating businesses and property are the same conversation held from different chairs. Select a standing to see what it sends and what it needs.
Business owners
Established and owner-operated, at the point where the next move needs capital or structure behind it.
- To lendersFinancials, collateral and a personal guarantee
- To investorsEquity, participations, or an exit
- From operatorsThe execution that makes the numbers real
Oakspire Group sits between these parties rather than on one side of them, and says plainly which chair it is in on any given transaction.
Capital
Working capital, equipment finance, expansion and acquisition capital, commercial property, and a plain review of what the business can actually carry. We look at the balance sheet before we look at products.
CapitalBusiness Credit
Building a credit file that belongs to the business rather than the owner. Entity and reporting readiness, trade lines, and the slow work of separating personal risk from business risk.
Business creditStrategic Partnerships
Commercial relationships that move a business forward without capital. Distribution, supply, referral, joint venture and equity arrangements, including our own transportation operation.
PartnershipsThe question is not how much you can get. It is how much the business can carry.
What it actually costs.
A factor rate is not an interest rate. Set the terms you have been quoted and read the annualised cost, next to what ordinary commercial credit costs for the same money.
- Total repaid
- $67,500
- Cost of the money
- $17,500
- Each payment
- $536 / business day
- Number of payments
- 126 payments
On $50,000 at a 1.35 factor over 6 months, the annualised cost is 126%.
The annualised figure is a nominal APR: the internal rate of return on the actual payment schedule, annualised on the same basis lenders quote. It is deliberately not an effective compounded rate, which would read far higher and would overstate the comparison. It is higher than the quoted percentage because an advance is repaid from day one, so you never hold the full amount for the full term. Comparison rates are illustrative, not offers. This is general information, not advice, and nothing here is a quotation.
Six steps, and we tell you where you are in them.
Written down because anyone deciding whether to send us their financials deserves to know exactly what happens next, and most firms will not tell them.
A conversation
Thirty minutes. What you do, what you are trying to do next, and what is currently in the way. No documents, no application, no pitch. If we are not the right firm we will say so on this call.
30 minutes. No cost.A look at the numbers
Typically the last twelve months of business bank statements, the two most recent tax returns, and a current profit and loss. We tell you what we see, including the parts a funding source will object to.
Two to five business days.A written view
What we think you need, what it can support, and the realistic options with indicative costs. If our view is that you should not borrow right now, this is where you get that in writing.
Within one week of receiving documents.You decide
Before anything is submitted anywhere, you see our compensation in writing as both a dollar figure and a percentage. Nothing moves without your explicit approval.
Your timeline, not ours.We arrange it
We approach the sources that fit, manage the questions, and keep you current. Where a source declines, you get the reason rather than silence, because the reason is usually useful.
One to six weeks. Longer for SBA and property.After close
We review the position at ninety days and again at a year. Capital that made sense in March can be the wrong shape by October, and that is worth catching early.
Ongoing. No additional fee.
Between the parties, not on one side of them.
Oakspire Group works across capital, credit, partnerships and property, and says plainly which chair it is in on any given transaction. That position is the point: an owner buying the building they lease, a sponsor repositioning an asset, and an operator financing equipment are usually running the same problem from different sides of the table.
We also operate in transportation and logistics. It is one of the firm's commercial activities, and it is a reason equipment finance, receivables timing and thin-margin operations are things we manage rather than things we read about.
What you can expect: we tell you what the numbers say, we disclose what we are paid before you decide anything, and we are willing to conclude that the answer is not us.
How we are paid.
Where financing is arranged. We are typically paid a commission by the funding source when a transaction closes. You see that figure in writing, as both a dollar amount and a percentage of the facility, before anything is submitted anywhere.
On advisory work. Where there is no financing attached, we are paid a flat fee agreed in advance. It does not change based on the outcome.
What we do not do. We are not paid twice on the same transaction. We do not take an upfront fee to submit an application. We do not receive undisclosed compensation from any funding source.
This describes our compensation practice. It is not a quotation. Terms for any engagement are set out in writing before work begins.
The things people actually ask.
How is Oakspire Group paid?
Two ways, and we tell you which applies before you decide anything. Where financing is arranged we are typically paid a commission by the funding source at closing, disclosed in writing as a dollar figure and a percentage. On advisory work with no financing attached we are paid a flat fee agreed in advance. We are never paid twice on the same transaction.
Who do you work with?
Business owners, entrepreneurs, operators, investors, real estate investors, commercial property owners, acquisition entrepreneurs and strategic partners. Typically businesses between $250,000 and $15 million in annual revenue, alongside investors and sponsors working on acquisitions and property.
Can you guarantee I will be approved?
No, and nobody honestly can. Approval depends on the funding source, the business, and conditions at the time. Anyone promising an approval before reviewing your financials is selling something.
Why does a capital advisory firm operate in transportation?
It is one of the firm's commercial activities and a relationship channel. It also means equipment finance and receivables timing are things we manage rather than read about. More on the transportation operation.
Start with aconversation.
Thirty minutes, no documents and no application. Tell us what you do and what you are trying to do next. If we are not the right firm for it, we will tell you on that call and point you somewhere better.