The Oak platform
One platform for the full life of a loan.
Oak originates, underwrites, funds, services, and manages senior-secured commercial real estate loans in-house, so sponsors do not lose momentum between approval, close, stabilization, and exit.
See the platform
Built for sponsors
The platform matters after the term sheet.
Timing changes. A lease slips. A takeout moves. A property asks for more judgment than a model can hold. Oak keeps the credit standard, the relationship, and the servicing conversation under one roof.
Origination to payoff
A credit lifecycle built to keep moving.
One
Platform
Origination to payoff
One team keeps the file alive.
Sponsor, asset, market, structure, and exit stay connected as the loan moves from first read to payoff.
Capital follows the plan.
Acquisition, bridge, special situations, and Agency FHA/HUD debt sit inside the same credit discipline.
The exit is part of the structure.
Payoff, refinance, sale, or agency takeout are not afterthoughts; they shape the capital from the start.
Underwriting infrastructure
LENS turns the file into a credit conversation.
Oak's proprietary underwriting engine helps organize the file earlier, pressure-test the plan, and move qualified sponsors toward terms built to withstand diligence.
Explore LENSEvidence
The file comes into focus before terms are put in motion.
Standard
The same credit discipline applies across sponsor, asset, market, structure, basis, and exit.
Judgment
Technology moves the work. Experienced underwriters make the decision.
Lending products
Four ways into the same discipline.
01AcquisitionSenior financing for purchase of income-producing commercial property.
02Transitional / BridgeShort-term senior debt for assets moving toward stabilization or permanent financing.
03Special Situations / Distressed DebtSenior loans and note purchases where structure and basis matter most.
04Agency FHA/HUDLong-term government-insured permanent debt, including bridge takeout at stabilization.
A better lending conversation
Bring us the full story, not just the model.
We want the thesis, the basis, the exit, and the pressure points. If the plan is real, we will help shape the capital around it.
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