Working Capital Loans

Get the cash your business needs to manage operations, cover expenses, and seize growth opportunities. Fast approvals, flexible terms, and personalized support.

Business Financing Solutions Tailored to You

Whether you need immediate working capital or long-term equipment financing, we have a solution that fits your business goals and timeline.

Working Capital Loans

Access the cash your business needs to manage day-to-day operations, cover expenses, and seize growth opportunities — designed for speed and flexibility.

Capital That Grows with Your Federal Contracts

We size your credit line directly to the strength of your federal contract portfolio. Designed from the ground up for both prime contractors and their subcontractors. Secure funding with no personal credit scores, collateral, or guarantees.

Why Businesses Choose OCM Finance

Our goal is to make business financing simple, transparent, and accessible — so you can focus on running your business, not navigating red tape.

  • Decades of Industry Experience Proudly serving businesses since 1981 with proven financing solutions and a track record you can trust.
  • Fast & Simple Application Process We make it easy to apply and faster to access the capital you need — with minimal paperwork and quick decisions.
  • Funding Solutions for a Wide Range of Credit Profiles We work with a broad range of credit situations to help more businesses qualify for the financing they deserve.
  • Personalized Support from Start to Finish Our dedicated funding specialists guide you from application to funding — and beyond as your business grows.
Learn About Our Story
40+ Years of Trusted Financing

From startups to established corporations, OCM has structured financing solutions for businesses in every industry across the nation.

How the Funding Process Works

Our streamlined process helps you access capital quickly without unnecessary delays. Most businesses receive funding decisions within days.

1

Submit a Quick Application

Fill out our simple online form in minutes. Tell us about your business and how much funding you need. No impact on your credit score to apply.

2

Review Your Financing Options

A dedicated funding specialist reviews your application and presents you with tailored financing options — no pressure, no surprises.

3

Get Approved and Funded

Once approved and documents are signed, funds can be in your account as fast as 24–72 hours. Simple, transparent, and business-focused.

Get Started Today

We Work With Businesses Across Every Industry

From construction to healthcare, retail to transportation — if your business needs capital, we have a financing solution that fits.

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Construction
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Transportation & Logistics
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Retail Businesses
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Restaurants & Hospitality
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Healthcare Providers
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Startups & Growing Businesses
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Manufacturing
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Agriculture
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Technology
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Distribution
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Automotive & Repair
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Communications
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What Our Clients Are Saying

Real businesses, real results. See how OCM Finance has helped companies across industries access the capital they need to grow.

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Frequently Asked Questions

What is a working capital loan?
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A working capital loan provides short-term funding to cover operational expenses such as payroll, inventory, rent, and other day-to-day costs. It helps businesses manage cash flow gaps and seize growth opportunities without depleting reserves.
How fast can I get funded?
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Many working capital and merchant cash advance products can be funded within 24–72 hours of approval. Equipment financing and SBA loans typically take longer depending on the complexity of the transaction — we'll give you a realistic timeline upfront.
Do I need perfect credit to qualify?
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No. We work with a variety of credit profiles to find financing solutions that fit your situation. Many of our programs are based on business revenue and cash flow rather than credit score alone.
What can I use the funds for?
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Funds can be used for equipment purchases, payroll, business expansion, inventory, marketing, covering cash flow gaps, acquiring a business, and virtually any other legitimate business need.
What financing options do you offer?
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We offer working capital loans, merchant cash advances, invoice factoring, equipment financing, commercial term loans, SBA loans, business lines of credit, business acquisition financing, and more. Our team will help identify the best fit for your situation.
How much can I borrow?
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Funding amounts vary by program. Working capital loans and MCAs typically start at $5,000 and can reach $500,000+. Equipment financing ranges from $5,000 to $35M+. SBA loans and commercial term loans can go higher depending on qualification.

Have More Questions?

Our funding specialists are available to help you find the right financing solution for your business. There's no obligation — just clear answers from people who understand business finance.

Contact Us Apply Now

Get the Funding Your Business Needs

Apply today and take the next step toward growing your business with confidence. Fast approvals, flexible terms, and dedicated support.