Oxford Commercial Finance Surpasses $275 Million in Working Capital Facilities, Empowering Growth for Small and Mid-Sized Businesses Nationwide
Oxford Commercial Finance (OCF), a subsidiary of Oxford Bank, has reached a significant milestone in its mission to support the growth and stability of American businesses. The company announced that it has secured more than $275 million in active working capital facilities for small and mid-sized enterprises across the United States since its launch in 2022. The achievement underscores the growing demand for flexible financing solutions and highlights OCF’s expanding role as a trusted funding partner for businesses navigating growth opportunities, operational challenges, and changing economic conditions.
Since beginning operations, OCF has completed 126 transactions spanning 18 states, providing more than $120 million in initial funding to companies across a wide range of industries. The milestone reflects not only the lender’s strong growth trajectory but also the increasing need for alternative financing options that can complement or replace traditional bank lending when businesses require greater flexibility.
As many small and mid-sized businesses continue to face challenges related to cash flow management, supply chain disruptions, labor shortages, inflationary pressures, and evolving market conditions, access to reliable working capital remains a critical factor in achieving long-term success. Oxford Commercial Finance has positioned itself as a partner capable of addressing these needs through customized lending solutions designed to help businesses unlock capital and pursue strategic objectives.
Building Momentum Since Launch
Since its inception in 2022, OCF has steadily expanded its footprint across the country, establishing relationships with companies operating in diverse industries and geographic markets. The lender’s success has been fueled by its focus on understanding each client’s unique circumstances and developing financing structures tailored to their operational needs.
According to Oxford Commercial Finance President Steve Tomasello, the company’s milestone is a reflection of both client trust and the dedication of its team.
“Reaching this milestone is a credit to the clients who trusted us with their growth plans and to the team that has worked alongside them every step of the way,” Tomasello said.
The achievement represents more than just a numerical benchmark. It demonstrates OCF’s ability to deliver meaningful financial solutions to businesses seeking alternatives to conventional lending models. By emphasizing relationships and flexibility, the company has carved out a niche within the commercial finance landscape that resonates with growing enterprises and businesses undergoing transitions.
Supporting the Diverse Needs of the American Middle Market
One of the most notable aspects of OCF’s portfolio is the diversity of the businesses it serves. The company’s active and recent financing facilities span a broad range of industries and regions, reflecting the varied nature of the American middle market economy.
Among the businesses supported by OCF are manufacturing companies in Michigan, staffing firms operating in California and Arizona, transportation and logistics providers in Texas and Missouri, technology businesses in Washington, and food and consumer products companies in Illinois and Florida.
This industry diversity illustrates the adaptability of OCF’s financing solutions and the widespread need for working capital support among businesses of different sizes and sectors.
Manufacturing represents the largest segment of OCF’s portfolio, accounting for approximately 38% of its financed transactions. Manufacturers often face unique working capital challenges, including long production cycles, inventory management demands, equipment investments, and fluctuating customer payment schedules. Flexible financing solutions can help these businesses maintain liquidity while continuing to invest in growth and operational efficiency.
Administrative and staffing services make up the second-largest concentration, representing 22% of the portfolio. Staffing firms frequently require substantial upfront capital to meet payroll obligations before receiving payments from clients. Access to working capital can be critical for maintaining operations and supporting expansion in this labor-intensive sector.
Transportation and warehousing businesses account for another 16% of the portfolio. These companies often face ongoing capital requirements related to fleet maintenance, fuel costs, equipment investments, and workforce expenses. Financing solutions tailored to their operational needs can provide the stability required to manage growth and maintain service quality.
Together, these sectors represent key drivers of economic activity across the United States, and OCF’s growing presence within these industries highlights the importance of specialized financing options for middle-market businesses.
Addressing Financing Gaps Left by Traditional Lending
Many growing businesses encounter situations where traditional financing options fail to meet their needs. Conventional banks often rely on rigid underwriting standards and collateral requirements that may limit access to capital for companies experiencing rapid growth, seasonal fluctuations, acquisitions, or temporary operational challenges.
Oxford Commercial Finance aims to fill this gap by offering flexible financing structures designed around the realities of business operations rather than standardized lending criteria.
The company provides a variety of working capital solutions, including asset-based lending, factoring arrangements, revolving lines of credit, and other customized funding facilities. Financing amounts typically range from several hundred thousand dollars to as much as $10 million, allowing businesses to access the capital needed to achieve their objectives.
Clients commonly use these funds to support growth initiatives, finance acquisitions, manage seasonal cash flow variations, invest in inventory, expand production capacity, or stabilize operations during periods of transition.
According to Tomasello, OCF’s approach extends beyond simply providing capital.
“We don’t just provide capital. We provide the kind of flexible, relationship-driven financing that helps businesses grow, stabilize and move forward when traditional lending isn’t the right fit,” he said.
This philosophy has become a defining characteristic of the company’s business model. Rather than focusing solely on transactions, OCF emphasizes long-term partnerships that help clients navigate complex financial challenges while positioning themselves for future success.
Client Success Stories Demonstrate Impact
The effectiveness of OCF’s approach is reflected in the experiences of its clients.
One example is Corry Fabrication, a manufacturing company based in Corry, Pennsylvania. The company’s owner and CEO, Joe Futcher, has worked with Oxford Commercial Finance for approximately five years and credits the lender’s expertise and flexibility with helping support the company’s continued growth.
According to Futcher, OCF distinguished itself through its understanding of the manufacturing sector and its willingness to develop customized financing solutions.
“The OCF team brought a level of professionalism and understanding of our industry that we hadn’t found elsewhere,” Futcher said. “They took the time to learn our business and structured a creative funding solution that enabled us to stay nimble, pursue new opportunities and continue growing.”
His comments illustrate the value many business owners place on lenders who take the time to understand operational realities rather than applying a one-size-fits-all approach to financing.
For manufacturers and other middle-market businesses, access to a financing partner that understands industry-specific challenges can make a substantial difference in achieving strategic goals and maintaining financial flexibility.
Strong Start to 2026 Signals Continued Growth
Oxford Commercial Finance’s momentum shows no signs of slowing. The company reported that during the first four months of 2026 alone, it funded more than $27 million across 14 new transactions.
This pace aligns with the strongest annual origination periods in the company’s history and suggests continued demand for flexible commercial financing solutions.
Economic uncertainty and evolving market conditions continue to influence borrowing decisions among businesses nationwide. As companies seek ways to maintain liquidity while pursuing growth opportunities, alternative financing providers like OCF are increasingly becoming important partners.
The company expects this momentum to continue throughout the remainder of 2026 as more businesses seek financing solutions capable of adapting to changing market environments.
Comprehensive Working Capital Solutions
Oxford Commercial Finance offers a broad suite of financing products designed to address a variety of business needs.
Accounts Receivable Financing
Accounts Receivable (A/R) Financing allows businesses to convert unpaid customer invoices into immediate working capital. This solution helps companies improve cash flow and access funds needed for payroll, inventory purchases, operational expenses, and growth initiatives without waiting for customers to pay outstanding invoices.
Asset-Based Lending
Asset-Based Lending enables businesses to unlock capital tied up in assets such as inventory, equipment, and receivables. By leveraging these assets as collateral, companies can obtain financing that supports expansion plans, operational improvements, acquisitions, and other strategic investments.
Term Loans
OCF also provides term loans for businesses with moderately strong credit profiles. These loans offer predictable repayment structures, competitive monthly payment options, and flexible terms that help companies acquire essential assets while preserving day-to-day working capital.
Purchase Order Financing
Purchase Order Financing provides businesses with the ability to fulfill customer orders even when they lack sufficient cash or credit availability. Under this structure, companies can secure funding to cover production and fulfillment costs, allowing them to pursue larger contracts and growth opportunities without diluting ownership or giving up equity.
This financing option is particularly valuable for businesses experiencing rapid growth or managing large customer orders that exceed their available working capital resources.
Oxford Commercial Finance’s achievement of surpassing $275 million in active working capital facilities represents a major milestone in the company’s evolution and reflects its growing influence within the commercial finance sector.
By focusing on flexible financing structures, personalized service, and long-term client relationships, OCF has established itself as a trusted partner for businesses seeking alternatives to traditional lending. Its expanding portfolio across manufacturing, staffing, transportation, technology, consumer products, and other industries demonstrates the broad applicability of its solutions and the ongoing demand for innovative financing options.
As economic conditions continue to evolve, access to working capital will remain a critical component of business success. With strong momentum entering the second half of 2026 and a growing network of clients across the country, Oxford Commercial Finance appears well-positioned to continue supporting entrepreneurs, business owners, and middle-market companies in achieving their growth ambitions while contributing to economic development nationwide.
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