Our Mission
Why We Exist
To bridge the financing gap for small- and medium-sized businesses across Southern California by delivering Secured Finance, Asset-Based Loans (ABL), and holistic business advisory through a community-focused platform.
Over a decade of empowering small businesses, Oxygen Business Capital has built a reputation as a trusted, community‑based secured finance lender. We specialize in bridging the capital gap for entrepreneurs and mission‑driven organizations who are underserved by traditional banks. By combining flexible lending solutions with transparent impact tracking, we’ve helped local businesses unlock growth, strengthen communities, and create lasting economic resilience.
Line of Credit
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Business Loan
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Working Capital
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Financing
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Why SMBs Struggle to Secure Funding
Small and medium-sized businesses across Southern California are the backbone of our neighborhoods—yet they face a chronic financing gap or some are not bankable. Traditional lenders reject 60% of loan applications, leaving entrepreneurs without the capital to expand, innovate, or weather economic shocks. This persistent shortfall hinders job creation, stalls revenue growth, and erodes community resilience.
of loan applications denied by banks
of SMBs in poor financial condition
struggle to access affordable capital
Why Oxygen Business Capital
We step in where banks step out. As a champion for diversity, equity, and inclusion, we empower entrepreneurs of all backgrounds to build resilient, thriving local economies. Our goal is simple—helping local businesses become bankable and communities sustainable. Our clients thrive faster with flexible capital from us.
- We make impacts where it matters.
Deployed
Businesses Funded
Jobs Created
Avg. Revenue Growth
Let Us Help You
Our goal is to help provide the best small business & commercial lending options available today. Whether you’re looking for a short term financing or want a business loan for $10 million, we can help you find the RIGHT loan that fits YOUR needs!
Move your business forward with fast, transparent financing tailored for Southern California entrepreneurs. Our loan process prioritizes speed, fairness, and support—decisions in days, clear terms , and hands-on coaching to help you stabilize cash flow and scale.
We Offer Services Your Bank Does Not
Features
Oxygen Business Capital
Banks
Speed of Funding
- Funding in days, sometimes 24 hrs
- Weeks or months to fund
Flexibility
- Cash flow-based, no collateral on some loans
- Rigid terms, always require collateral
Industry Expertise
- Advisors understand key industries
- One-size-fits-all approach
Higher Approval Rates
- Entrepreneurial underwriting, greater flexibility
- High rejection rates, strict criteria
Relationship-Based
- Ongoing advisory & funding strategy
- One-size-fits-all approach
Our team will review your application and will contact you to review your qualifications, needs, and discuss options. To find your loan qualification today, fill out our no-obligation Inquiry Form.