Funding that moves with your sales.
Funds now, repaid from a share of your sales. No weeks of waiting on a bank.
An advance on future sales.
You receive a lump sum today. In return, a set share of your daily sales goes to the funder until the agreed amount is repaid.
It is a purchase of future receivables, not a loan, so there is no interest that grows and no fixed monthly bill.
What it costs.
A sample $50,000 advance at a factor rate of 1.25.
Sample figures. Your rate depends on your sales, time in business and history. You see the full amount before you sign.
Your payments follow your sales.
With a 12% share, a sample week looks like this. The dark slice repays the advance, the rest stays with you.
- $504Mon$4,200
- $432Tue$3,600
- $468Wed$3,900
- $576Thu$4,800
- $888Fri$7,400
- $1,032Sat$8,600
- $348Sun$2,900
When it makes sense.
Steady sales, uneven timing
A big cost lands before the busy season does.
An opportunity with a deadline
It will not wait for a bank.
Something broke
Equipment that cannot wait.
The bank said not yet
Healthy, but too new for a loan.
Advance or bank loan?
How the two compare, side by side.
| Feature | Oakbeam Capital | Bank loan |
|---|---|---|
| Decision | Usually within 1 business day | Often weeks |
| Paperwork | Short form and 3 statements | Tax returns, plans, collateral |
| Based on | Your sales today | Credit and collateral |
| Repayment | A share of your sales | Fixed monthly instalments |
| Cost | One fixed factor rate | Interest over the term |
| Who you deal with | One advisor | A call center |