Commercial Lending Advisory
Silver Oak Capital Partners structures USDA B&I, SBA, and conventional financing backed by commercial real estate and equipment. Nationwide coverage. Institutional execution.
What We Do
We structure government-guaranteed and conventional financing solutions tailored to each borrower's operating profile, collateral base, and growth objectives.
Up to 80% government guarantee. Ideal for rural and suburban businesses with strong real estate collateral. Fixed and variable rate structures available.
Government-backed lending for acquisitions, expansions, refinancing, and working capital.
Direct balance sheet and bank participation lending for borrowers who require speed, flexibility, or non-conforming deal structures.
Industries
Deep experience structuring transactions across asset-heavy industries with tangible collateral.
Hotels & Resorts
Industrial & Production
Assisted Living & Medical
Express & Full-Service
Climate & Standard Units
C-Store & Fuel
Institutional-grade lending advisory for small and lower middle-market businesses across all 50 states.
Our Approach
Silver Oak Capital Partners is a commercial lending advisory firm that structures USDA Business & Industry, SBA, and conventional financing for established, cash-flowing businesses nationwide.
We focus exclusively on operating companies — not startups — that need growth capital, acquisition financing, or refinancing of existing debt. Every transaction is backed by tangible collateral: commercial real estate, equipment, and proven cash flows.
Our team brings deep fluency in government-guaranteed lending programs, allowing us to identify the optimal financing structure for each client's specific situation — whether that's a USDA B&I loan with an 80% federal guarantee, an SBA 7(a) or 504 loan, or a conventional bank deal.
We originate across all 50 states, with particular depth in rural and suburban markets where USDA eligibility creates structural advantages for borrowers.
Every deal is structured with the rigor of an institutional underwrite — detailed financial modeling, precise collateral analysis, and clean documentation.
We serve as a direct conduit between the borrower and the capital markets, negotiating optimal terms and shepherding every deal through closing.
Our pre-qualification process identifies deal viability early, allowing us to move quickly from term sheet to commitment to closing.
Government-guaranteed and conventional financing structures tailored to your operating profile.
Government Guaranteed
Up to 80% Federal Guarantee — Favorable Terms for Rural & Suburban Businesses
Small Business Administration
Government-Backed Lending — Competitive Rates & Terms
Direct Financing
Balance Sheet & Bank Participation — Speed & Flexibility
Deep expertise structuring transactions across asset-heavy, cash-flowing industries.
Hotels, motels, resorts, and extended-stay properties. Acquisition, renovation, conversion, and refinancing. Brand-flagged and independent operations.
Light and heavy manufacturing operations. Equipment-intensive businesses with real estate holdings. Production facility expansion and modernization.
Assisted living facilities, skilled nursing, memory care, and medical office properties. Licensed operators with stable census and cash flows.
Express tunnel, full-service, and self-serve car wash operations. New construction, acquisition, and conversion projects. High-margin, recurring revenue models.
Climate-controlled and standard self-storage facilities. Ground-up development, acquisition, and expansion. Technology-enabled operations.
Branded and unbranded fueling operations with convenience store components. Acquisition, renovation, and portfolio refinancing.
Owner-occupied commercial properties, mixed-use developments, and special-purpose real estate. Businesses with significant real estate holdings.
Agriculture, food processing, distribution centers, auto dealerships, RV parks, and other industries with tangible collateral and proven cash flows.
Tell us about your deal. We'll provide a preliminary assessment within 48 hours.