Business Funding
Welcome to our comprehensive suite of business funding solutions. We understand that every business has unique financial needs, which is why we offer a diverse range of products tailored to support your growth and success. Our offerings include:
Small Business Loans
Business Line of Credit
Equipment Financing
SBA Loans
AR Financing
Merchant Cash Advance
Asset-Based Lending
Franchise FinancingStart-Up Funding
Fix and Flip Funding
Commercial Property
Self Employed Home Loans
Whether you're looking to expand operations, purchase equipment, manage cash flow, or invest in property, we have a solution designed to meet your specific requirements.Ready to take your business to the next level? Contact us today for a personalized consultation and discover how our financial products can fuel your success.
Real Estate Funding
Welcome to our specialized real estate investment funding solutions. We offer key products tailored to meet your investment needs:
| Earnest Money Deposit | Transactional Funding | Fix and Flip Loans | Commercial Property Loans | Self Employed Home Loan |
|---|---|---|---|---|
| Secure your property deals quickly with our flexible deposit funding. | Transactional funding is a short-term loan that allows a wholesaler or investor to purchase a property on the A-B contract without using any of their own money. | Access the capital you need to purchase, renovate, and sell properties for profit. | Leverage funds to acquire commercial or multifamily property. | Purchase or Refinance a property today with no tax returns required! |
Our expert team is ready to help you capitalize on real estate opportunities. Contact us today to discuss how we can fuel your next investment. Let's turn your real estate goals into reality. Apply now by clicking the product below!
Contact Us
Ready to take your business or real estate investment to the next level? Don't let funding hold you back. We specialize in providing tailored financial solutions for business owners, startups, and real estate investors.
Contact us today to explore your options. Our team will work with you to understand your unique needs and craft a funding package that aligns with your goals. Whether you're looking to expand your business, launch a startup, or invest in property, we have the expertise and resources to help you succeed.
Take the first step towards realizing your vision. Let's turn your dreams into reality!
EMD Funding
Thank you for choosing 5 Oak Strategies to fund you earnest money deposit!
We require a 5% ($250 minimum non-refundable deposit).
This is to underwrite your EMD request, cover wire fees, and transaction coordination. This deposit will be applied to the total EMD being requested and will not be refunded if the deal cancels for any reason. This will be collected right before funding your request, after all contracts are executed and agreed upon. This fee will be wired/zelled directly to us and the paperwork will reflect the difference between the inital deposit and fees.
Fees for EMD Loan are as follows:
$0-$5,000.00 we charge $1,500.00
$5,001.00-$15,000.00 we charge $3,000.00
$15,001.00-$25,000.00 we charge $6,000.00
$25,001.00-$50,000.00 we charge $15,000.00
$50,001.00-$75,000.00 we charge $22,000.00
$75001.00-$100,000.00 we charge $30,000.00
Anything over $100,000.00 will be on a case by case basis and need to be discussed over the phone.
Transactional Funding
Thank you for choosing 5 Oak Strategies to be your Transactional Funding Partner!
Our fee structure:
Loans up to $500,000.00 = 1.75% ($1250.00 minimum)
Loans $500,000.00-$1M = 2%
Loans $1M-$1.5M = 2.25%
0.2% per day fee for additional days money is held in escrow.
More than one title company/attorney involved in double close = Addtional 1.5%
Additional paperwork/terms, adding us to operating agreement = Additional 1.5%
100% Funding
5 Oak Strategies has a program that provides any investor no matter what level of experience the opportunity to invest in real estate with little or none of your own money. Using the combination of our hard money lending and our business line of credit we will show you how to hack one of the most common problems investors face when interested in investing in real estate. With our lending partnerships we will provide this done for you collective program. No longer will you have the excuse of not investing in real estate due to lack of money and working capital.
Our Story
5 Oak Strategies was founded by Adam Bailey with a simple yet profound mission: To empower entrepeneurs by securing the necessary capital for their projects. Understanding the challenges and complexities of financing entrepeneurs face, Adam set out to create a company that provides tailored solutions for people in pursuit of their goals.Our values guide everything we do:Be of Service to Others: Our top priority is to help people achieve their goals.
Do What is Right: Integrity and honesty are at the core of our business.
Be Humble: We approach every situation with empathy and understanding.
Be Extraordinary: We strive to go above and beyond in every interaction.
Move Forward: We focus on creating positive outcomes and future possibilities.We understand that securing funds for entrepeneurs can be challenging. That's why at 5 Oak Strategies, we’re dedicated to providing compassionate, effective solutions tailored to your unique needs!
Self Employed Home Loans
Purchase or re-finance a property today with No Tax Returns Required! Our Self-Employed Home Loans are designed specifically for business owners. We understand that borrowers should not be denied the opportunity of homeownership because they don’t meet the stringent requirements that traditional lenders require.
| Bank Statement Loan | P&L Program | 1099/WVOE Program | Non Permanent Resident | Foreign National Program |
|---|---|---|---|---|
| FICO 580+, 12 months removed from bankruptcy or foreclosure | FICO 580+ No bank statements required | FICO 580+ | FICO 620+, Bank statements allowed | No FICO score required, CPA Letter covering last 2 years & year-to-date, One bank reference letter |
| Up to 90% LTV, Combination of business and personal bank statements allowed | Up to 85% LTV on 2 Year P&L, Up to 80% on 1 Year P&L, P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer | Up to 90% LTV for 1099, Up to 80% LTV for WVOE, Loan amounts up to $4 million, DTI 55% Max | Up to 90% LTV | Up to 80% LTV, Gift funds allowed, Overseas assets allowed as reserves |
| 30 Year Fixed and ARM Options, Loan amounts up to $4 million | 30 Year Terms and ARM Options, Max DTI 55%, Loan amounts up to $4 million | Cash out available, Completed FNMA Form 1005 for 2-year history with the same employer | 30 Year Terms | 30 Year Terms, Loan amounts up to $3 million, Cash-out allowed |
