Oxford Commercial Finance

Oxford Commercial Finance: working capital for SMEs in the United States

Oxford Commercial Finance (OCF) is a wholly owned subsidiary of Oxford Bank, an entity with more than a century of activity, which presents itself as specializing in flexible working capital solutions for small and mid-sized companies nationwide. The firm was established in 2022 and brings together a team of business financing specialists with the stated goal of improving cash flow and accelerating its clients' growth.

The company defines itself as an alternative to traditional lenders: its agile structure allows it, according to its own presentation, to respond more quickly and offer financing structures tailored to each business. The parent entity, Oxford Bank, serves as backing for the operation and is FDIC insured.

Financing products

OCF's service catalog is organized into four main lines:

• Accounts Receivable Financing: generates immediate cash flow from the company's accounts receivable.
• Asset Based Lending: allows you to unlock cash tied up in accounts receivable, inventory, and equipment.
• Term Loans: flexible funds intended for business growth.
• Purchase Order Financing: to fulfill orders when cash or credit availability is insufficient.

Client profiles and business stages

The firm serves companies at different stages of development. Among the cases it highlights are startups, which seek a financial foundation to launch a business idea; growing businesses, which need business bank accounts adapted to their transactions; and companies looking to refinance their existing credit line to take advantage of better options.

OCF also mentions experience in sectors such as alternative energy, distribution, manufacturing, oil and gas, service providers, staffing, transportation, and wholesale trade.

Team and geographic presence

OCF's management and sales team is distributed across several states. The firm's presidency corresponds to Steve Tomasello, based in Michigan. Robyn Barrett holds the position of SVP Managing Director in Arizona. The business development team is completed by Robert Harbers (Florida), Robbie Faucett (South Carolina), Anne Mask (California), and Brad Beck (Tennessee), all with the title of VP Business Development.

The company presents itself as a wholly owned subsidiary of Oxford Bank and operates under a California Financing Law license with numbers #60DBO-193765 and #60DBO-199142.

Operational approach

OCF describes its working method around four pillars: speed to eliminate paperwork and simplify access to funds; flexibility to offer financing structures adapted to each stage of growth; creativity to design solutions outside conventional schemes; and a relationship-focused approach aimed at building lasting ties with clients.

The firm also offers clients access through online platforms such as FactorSoft and ABLSoft, and publishes Oxford Bank's quarterly and annual reports to track its financial performance.