Oxford Commercial Finance

What Oxford Commercial Finance does

Oxford Commercial Finance (OCF) is a U.S. asset-based lender and factor established in 2022 as a wholly-owned subsidiary of Oxford Bank, an FDIC-insured Michigan community bank operating continuously since 1884. OCF provides working capital to small and mid-sized businesses through four core products: accounts receivable financing ($200K-$15M facility), asset-based lending ($500K-$15M revolving/term facilities), purchase order financing ($100K-$5M, launched September 2023), and term loans ($250K-$4M, up to 60-month amortization). Lease financing is offered through a joint venture with VFS. Customers are primarily SMB and mid-market borrowers across manufacturing, distribution, staffing, transportation, oil and gas, aerospace, alternative energy, and other verticals, including startups declined by conventional banks. The company leverages its parent's bank balance sheet for capital, FactorSoft and ABLSoft for client portal technology, and a network of regional business development officers (Michigan, Arizona, Florida, South Carolina, California, Tennessee) paired with a broker referral program for origination. Revenue is generated via transaction fees on factored invoices and interest/fees on outstanding ABL, PO, and term loan balances.

OCF was effectively jump-started by the April 2022 acquisition of FSW Funding's assets for approximately $25 million in high-yield factoring receivables, with FSW's founder Robyn Barrett joining as SVP Managing Director. The platform has since expanded through the HELP Financial joint venture for medical receivables (eight pools, $12.4M in 2023), alternative energy sale-leasebacks ($6M in 2023), and ongoing senior hiring into 2025. Quarterly funded transaction volume has scaled from $21.1M (Q1 2025) to $33.5M (Q3 2025) at a consistent ~12 deals per quarter. OCF is privately held under Oxford Bank Corporation, with no external institutional capital, and its key differentiators are speed (financing approved in 30-60 days, A/R funding in 24 hours), flexibility (asset-collateral focus over cash-flow underwriting), and parent-bank credibility/FDIC backing.

Name

Oxford Commercial Finance

Legal name

Oxford Commercial Finance Corp.

Website

https://oxfordcommercialfinance.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Oxford Commercial Finance is a U.S. asset-based lender and factor, founded 2022 as a wholly-owned subsidiary of Oxford Bank, providing accounts receivable financing, asset-based lending, purchase order financing, and term loans to SMB and mid-market borrowers nationwide.

Ownership category

akta.pro rank

Product category

Commercial Finance / Asset-Based Lending

NAICS

Commercial Banking (522110), International, Secondary Market, and All Other Nondepository Credit Intermediation (522299)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

akta.pro secondary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Asset-based lending
• Accounts receivable financing
• Working capital solutions
• Invoice factoring
• Commercial term loans

Headquarters

HQ city

Oxford

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Accounts Receivable (Factoring) Financing: The company purchases accounts receivable at a discount to provide immediate cash flow to clients. Fees are charged based on the volume and credit quality of receivables. This is a transaction-based revenue model where the company earns fees on each factored invoice.
2. Asset-Based Lending: Revolving lines of credit and term loan facilities secured by business assets (accounts receivable, inventory, equipment). Revenue generated through interest on outstanding balances and fees.
3. Purchase Order Financing: Provides upfront cash to cover costs associated with fulfilling customer orders. Revenue generated through financing fees based on annual sales volumes, average invoice size, payment terms, and customer credit quality.
4. Term Loans: Fixed asset financing for equipment purchases with amortization periods up to 60 months. Revenue from interest payments and loan fees.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels12 records

Core offering

Oxford Commercial Finance provides flexible working capital solutions to small and mid-sized businesses through five core products: Accounts Receivable Financing (factoring of invoices, $200K-$15M facilities), Asset-Based Lending (revolving lines and term loans secured by receivables, inventory, and equipment, $500K-$15M), Term Loans for equipment purchases ($250K-$4M, up to 60 months), Purchase Order Financing ($100K-$5M sub-facility used with a working capital line), and Equipment Leasing via sale-leaseback and new equipment financing. The company underwrites based on asset value and customer credit quality rather than historical cash flow, enabling it to serve borrowers declined by traditional banks.

Differentiator

Problem solved

Functional benefit

Brands

• FSW Funding: A division of Oxford Commercial Finance, providing factoring and accounts receivable financing services. Acquired in 2022 along with the team led by Robyn Barrett.

Products and services

• Accounts Receivable Financing

Quantifiable outcome

• Can approve and fund loans within 30 days or less compared to traditional bank timelines
• +3 more outcomes

Named customers8 records

Segments10 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Two partnerships are on record, tiered minor.

• HELP FinancialminorStrategic or Co-development Partner · 10 August 2023Joint venture partnership with Michigan-based HELP Financial to purchase the uninsured portion of medical receivables from hospitals across the country. This initiative allows patients to amortize the uninsured portion of their medical bills over time with manageable payments. Eight new patient loan pools were acquired through this partnership in 2023, contributing $12.4 million in new funding.
• VFS (Joint Venture for Equipment Leasing)minorStrategic or Co-development Partner · 1 January 2023Leasing joint venture partnership that facilitated 20 equipment leasing transactions totaling $10.7 million in new business in 2023. Provides equipment financing solutions as part of OCF's comprehensive working capital offerings.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• Kapitus: Provides working capital, invoice factoring, and revenue-based financing to small businesses — competing for SMBs that don't qualify for traditional bank financing, similar OCF target segment but adjacent product positioning.
• BlueVine: Fintech offering SMB lines of credit, invoice factoring, and term loans via digital underwriting — competes for the same SMB working-capital customers but with a tech-native delivery model versus OCF's relationship-driven motion.
• Fundbox: Digital SMB working capital provider offering invoice-based advances and lines of credit — competitors for the same small-business customer base, though operating purely online versus OCF's regional field-sales motion.

Direct peers

• TAB Bank: Utah-chartered bank offering ABL, factoring, and working capital lines to small and mid-sized U.S. businesses — directly comparable product mix and bank-backed funding model to OCF.
• Amerisource Funding: Nationwide factoring and working capital provider for SMBs across manufacturing, distribution, staffing, and services — closely overlapping industry verticals and customer profile with OCF.
• Triumph Business Capital: Provides factoring and asset-based lending focused on transportation, staffing, and small business — overlapping target industries and product set with Oxford Commercial Finance.
• White Oak Commercial Finance: Middle-market asset-based lender providing revolving credit and term loans secured by receivables, inventory, and equipment — comparable product mix on the ABL side of OCF's offering.
• Crestmark Bank (Meta Financial / Truist): Historically a direct competitor in factoring and ABL for the SMB market; many OCF leaders (Mick Goik, Steve Tomasello) came directly from Crestmark, making it the closest talent/business model analogue.
• Sallyport Commercial Finance: Specialty finance company providing factoring, ABL, and purchase order financing to SMBs across the U.S. and Canada — same product suite and target customer as OCF, serving similar bank-declined borrowers.

Broad incumbents

• PNC Financial Services (Business Banking): Large national bank offering commercial lending, lines of credit, and ABL facilities to mid-market businesses — represents the traditional-bank competitor OCF explicitly displaces for declined borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

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Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oxford Commercial Finance