FSW Funding
FSW Funding, operating as Oxford Commercial Finance, provides working capital solutions—accounts receivable financing, asset-based lending, term loans, and purchase order financing—to SMEs across multiple US industries, backed by Oxford Bank.
- Company typePrivate
- Founded2001
- HeadquartersPhoenix, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What FSW Funding does
FSW Funding, operating commercially as Oxford Commercial Finance (OCF), is a private US commercial lending subsidiary of Oxford Bank that provides working capital solutions to small and medium-sized enterprises. The firm offers four core financing products: accounts receivable financing (immediate cash against unpaid invoices), asset-based lending (capital against receivables, inventory, and equipment), term loans (structured growth funding), and purchase order financing (enabling order fulfillment when internal liquidity is insufficient). Its customer base spans at least eight industry verticals—alternative energy, distribution, manufacturing, oil and gas, service providers, staffing, transportation, and wholesale—plus three use-case segments (startups, growing businesses, refinance), with growing businesses identified as the primary segment. Pricing is not publicly disclosed; loans are originated under California Financing Law licenses #60DBO-193765 and #60DBO-199142, and revenue is generated through interest income, loan fees, and financing charges on capital advanced to borrowers.
The company's go-to-market is consultative and relationship-led. A direct sales team of regional business development representatives covers six US states—Michigan (corporate HQ of Oxford Bank), Arizona, Florida, South Carolina, California, and Tennessee—supported by a broker referral program that extends distribution through commercial finance intermediaries. Marketing channels are modest in scope: organic social presence on LinkedIn, Facebook, and Instagram, supplemented by case studies and news/press releases. On the technology side, OCF deploys two third-party client portal platforms—FactorSoft (branded as the FSW Funding Portal) for accounts receivable financing accounts and ABLSoft for asset-based lending account management—providing clients with online access but no proprietary underwriting or analytics infrastructure is evidenced.
The firm's primary competitive differentiators are structural rather than technological: Oxford Bank's 140+ years of banking heritage, FDIC insurance coverage, and a strong, liquid balance sheet provide lending capacity and credibility that independent finance companies may lack. The acquisition by Oxford Bank made OCF a wholly owned subsidiary, enabling larger facility sizes and increased buying power for customers. Despite the multi-state operational footprint described across the source materials, firmographics list 1–10 employees for FSW Funding, suggesting the entity may function as a focused origination and coordination unit operating on top of the parent bank's broader infrastructure.
FSW Funding firmographics
Firmographics- Name
- FSW Funding
- Legal name
- Oxford Commercial Finance
- Website
- https://fswfunding.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- FSW Funding, operating as Oxford Commercial Finance, provides working capital solutions—accounts receivable financing, asset-based lending, term loans, and purchase order financing—to SMEs across multiple US industries, backed by Oxford Bank.
- Ownership category
- akta.pro rank
FSW Funding industry classification
Industry- Product category
- Asset-Based Lending
- NAICS
- Sales Financing (522220)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)
Keywords
Where FSW Funding is headquartered
LocationHeadquarters
- HQ city
- Phoenix
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
FSW Funding business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Commercial Lending Services: Oxford Commercial Finance generates revenue through providing working capital solutions including accounts receivable financing, asset-based lending, term loans, and purchase order financing. Revenue is generated through interest income, loan fees, and financing charges on the capital advanced to borrowers.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels6 records
FSW Funding product offering
Product offeringCore offering
FSW Funding provides working capital financing to small and mid-sized businesses through accounts receivable financing, asset-based lending, term loans, and purchase order financing. Services are designed to convert receivables, inventory, and equipment into immediate liquidity and to support order fulfillment and growth for businesses that have been turned down by traditional banks. The offering is delivered through dedicated client portals (FactorSoft and ABLSoft) and a regional direct-sales team, with institutional backing from parent Oxford Bank.
Product overview
Oxford Commercial Finance offers a unified platform of working capital solutions designed to help businesses overcome financial challenges at every stage. The core product portfolio consists of four interconnected financing services: Accounts Receivable Financing (immediate cash from invoices), Asset Based Lending (leverage against receivables, inventory, and equipment), Term Loans (structured growth funding), and Purchase Order Financing (enabling order fulfillment when liquidity is constrained). These products serve various industries including startups, growing businesses, and companies seeking refinancing options, with services backed by Oxford Bank's 140+ years of operation.
Differentiator
Problem solved
Functional benefit
Brands
- FactorSoft: Client login portal for factoring services (https://fswfundingportal.profitstars.com)
- ABLSoft
Products and services
- Accounts Receivable Financing Generates immediate cash flow from accounts receivable, allowing businesses to access funds tied up in unpaid invoices.
- Asset Based Lending Unlocks cash tied up in accounts receivable, inventory, and equipment to provide working capital for businesses.
- Term Loans Provides flexible funding to help businesses grow, with structured repayment terms over a specified period.
- Purchase Order Financing Enables businesses to fulfill orders when cash or credit availability is insufficient to cover purchase orders.
- Aircraft Supplier Financing Aircraft supplier financing offered by FSW Funding to small and mid-sized businesses, as referenced in the firm's service description.
Quantifiable outcome
- Fast processing through upfront negotiation of terms and transparency on finer details early in the process
- +1 more outcomes
Companies that use FSW Funding
Customer profileSegments11 records
Ideal customer profiles2 records
FSW Funding technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
FSW Funding partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights4 records
FSW Funding competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
FSW Funding social profiles
Digital presenceFSW Funding financial estimates
Financial estimateRevenue estimate
Valuation estimate
FSW Funding leadership team
Management profileNumber of profiles
Profiles6 records
FSW Funding funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FSW Funding M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FSW Funding
What does FSW Funding do?
FSW Funding provides working capital financing to small and mid-sized businesses through accounts receivable financing, asset-based lending, term loans, and purchase order financing. Services are designed to convert receivables, inventory, and equipment into immediate liquidity and to support order fulfillment and growth for businesses that have been turned down by traditional banks. The offering is delivered through dedicated client portals (FactorSoft and ABLSoft) and a regional direct-sales team, with institutional backing from parent Oxford Bank.
Is FSW Funding a public or private company?
FSW Funding is a private company. It is classified as corporate owned and is currently operating.
When was FSW Funding founded?
FSW Funding was founded in 2001. It employs 1 to 10 people.
Where is FSW Funding based?
FSW Funding is headquartered in Phoenix, United States, in the North America region.
How does FSW Funding make money?
One revenue line is on record: commercial Lending Services.
Does FSW Funding have an API?
No public API is recorded for FSW Funding.
What industry is FSW Funding in?
FSW Funding's product category is Asset-Based Lending. Its primary akta.pro industry code is FSAKAGAE, Supply Chain Finance (Trade Credit, PO/Inventory Financing). Its NAICS code is 522220 and its SIC code is 6153.