Oxford Commercial Finance (OCF), a subsidiary of Oxford Bank, today announced it has secured $275 million in active working capital facilities for small and mid-sized businesses across the U.S. since launching in 2022. The cumulative figure spans 126 closed transactions across 18 states with more than $120 million in initial funding.
OCF’s working capital portfolio reflects the diversity of the American middle market. Recent and active facilities include manufacturers in Michigan, staffing firms in California and Arizona, transportation and logistics operators in Texas and Missouri, technology companies in Washington, and food and consumer brands in Illinois and Florida. Manufacturing represents the largest industry concentration at 38%, followed by administrative and staffing services at 22%, and transportation and warehousing at 16%.
The group provides asset-based lending, lines of credit and factoring facilities ranging from several hundred thousand dollars to $10 million, structured for companies that need the flexibility traditional banks often cannot accommodate. Clients typically use the capital to fund growth, manage seasonality, support acquisitions or stabilize operations through periods of transition.
“We don’t just provide capital. We provide the kind of flexible, relationship-driven financing that helps businesses grow, stabilize and move forward when traditional lending isn’t the right fit,” said Steve Tomasello, president of Oxford Commercial Finance. “Reaching this milestone is a credit to the clients who trusted us with their growth plans and to the team that has worked alongside them every step of the way.”
Joe Futcher, owner and CEO of Corry Fabrication in Corry, Pennsylvania, has been working with OCF for about five years and says the commercial lender’s industry fluency and ability to structure flexible working capital solutions sets it apart. “The OCF team brought a level of professionalism and understanding of our industry that we hadn’t found elsewhere,” said Futcher. “They took the time to learn our business and structured a creative funding solution that enabled us to stay nimble, pursue new opportunities and continue growing.”
OCF anticipates continued momentum in 2026, having already funded more than $27 million across 14 new deals in the first four months of the year, a pace consistent with the group’s strongest annual originations to date.
OCF provides fast, flexible, creative, relationship-focused working capital options that include:
- Accounts Receivable (A/R) Financing to generate consistent cash flow from customer invoices to meet payroll, inventory and other business needs.
- Asset Based Lending to unlock cash tied up in equipment, inventory and other assets as collateral to help to facilitate business growth and other needs.
- Term Loans for companies with moderately good credit to take advantage of low monthly payments and flexible terms to make it easier to afford essential assets while preserving working capital to fund their businesses every day.
- Purchase Order Financing (P.O. Financing) to allow businesses to fulfill orders received from customers in situations where they may not have been able to do so due to lack of customer cash or credit/availability, under a revolving line of credit. P.O. Financing allows a company to grow without giving up equity in their business.
To learn more about Oxford Commercial Finance and its funding solutions contact ocfinfo@oxfordbank.bank, (877) 662-0068
About Oxford Commercial Finance
Oxford Commercial Finance (OCF) provides fast, flexible working capital solutions to help small and mid-sized companies improve cash flow and accelerate business growth. A subsidiary of Oxford Bank, OCF brings together a team of experienced commercial lenders who work closely with clients to understand their unique business needs and creatively structure effective, affordable financing that maximizes cash flow and availability. Our innovative approach and personalized, one-on-one service ensure clients have ready access to the resources and support they need at every stage of business.
Oxford Bank is an Equal Opportunity Lender
Oxford Commercial Finance Corp (“OCF”) is a subsidiary of Oxford Bank, a Michigan headquartered FDIC insured bank. OCF is a full-service commercial finance company providing cash flow financing solutions to small and midsize businesses that may not qualify for conventional bank financing. The Company serves clients across the United States. For more information about Oxford Commercial Finance and its complete line of financial services, please visit www.oxfordcommercialfinance.com.
Except for the historical information contained herein, the matters discussed in the Release may be deemed forward-looking statements that involve risk and uncertainties. Words or phrases “will likely result,” “are expected to,” “will continue,” “is anticipated,” “estimate,” “project,” or similar expressions are intended to identify “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Factors which could cause actual results to differ, include, but are not limited to, fluctuations in interest rates, changes in economic conditions of the Bank’s market area, changes in policies by regulatory agencies, the acceptance of new products, the impact of competitive products and pricing and the other risks detailed from time to time in the Bank’s and Corporation’s reports. These forward-looking statements represent the Bank’s judgment as of the date of this report. The Bank disclaims, however, any intent or obligation to update these forward-looking statements.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260610385022/en/
Media gallery
