We are Southern Oak Financial, a finance lender, our specialty is offering working capital to various businesses such as restaurants, bars, hotels, caterers, bakeries, retail stores and more. We have financing experts working full-time for us all over the country and we operate in globally.

Partnering with someone else for your business may mean giving up equity and control. Some cash providers that take their payback from your credit card sales and/or membership programs can cause cash flow problems and accounting headaches. But with Southern Oak Financial, you can get the cash you need easily. You’ll also get some of the best rates in the market, a fast and simple approval process, and various financing options. Plus, you can deduct the interest from your taxes, and we offer you professional customer support and advice to help you use our services effectively.

Unlike other cash advance companies that take up to 30% of your daily Visa® and MasterCard® sales and may force you to switch your credit card processor, Southern Oak Financial lets you keep your credit card processor and your credit card receipts.

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You can start by applying online or talking to one of our reliable advisors near you. We will help you set your business goals, your financing needs, and start the lending process. You just need to complete a simple online loan application and give us 3 months of your latest credit card and bank statements to show your sales. After that, we will handle everything. You can get the funds in your bank account by wire transfer. The whole process is quick and usually takes 3 to 5 business days!

We process an ACH debit from your authorized business checking account weekly. This ACH debit stays the same for your loan term. You can budget with ease. You have no obligations or renewals after you repay your loan, but you can reapply quickly if you wish.

Once your loan is approved, we usually send the loan money to your business account by wire transfer. You can also choose to get a regular check by mail. You can pay your equipment vendors directly with our disbursement options. This helps you save cash flow for other essential purchases and costs.

Your loan amount depends on your actual gross sales. You can get from 6% to 33% of your total yearly sales (cash and credit card sales – real or estimated) and your credit rating. For example: If you make $100,000 a month or $1,200,000 a year, your loan amount could be between $72,000 and $396,000. You may get more if your sales grow over time. All loans follow Southern Oak Financials’ normal underwriting rules.

You can get up to $10,000,000 per location with our program, which offers you maximum flexibility and minimal hassle. You can pick your term from 12 to 48 months, with many options in between and early payoff possibilities. Our online application process is fast and easy, our documentation requirements are low, and we deliver the funds in as little as 3 to 5 days. You can repay us without affecting your credit card flow.