Oxford Commercial Finance (OCF), a subsidiary of Oxford Bank, announced it has secured $275 million in active working capital facilities for small and mid-sized businesses across the U.S. since launching in 2022. The cumulative figure spans 126 closed transactions across 18 states with more than $120 million in initial funding.

OCF's working capital portfolio reflects the diversity of the American middle market. Recent and active facilities include manufacturers in Michigan, staffing firms in California and Arizona, transportation and logistics operators in Texas and Missouri, technology companies in Washington, and food and consumer brands in Illinois and Florida. Manufacturing represents the largest industry concentration at 38%, followed by administrative and staffing services at 22%, and transportation and warehousing at 16%.

The group provides asset-based lending, lines of credit and factoring facilities ranging from several hundred thousand dollars to $10 million, structured for companies that need the flexibility traditional banks often cannot accommodate. Clients typically use the capital to fund growth, manage seasonality, support acquisitions or stabilize operations through periods of transition.

“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,” said Steve Tomasello, president of Oxford Commercial Finance. “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.”

Joe Futcher, owner and CEO of Corry Fabrication in Corry, Pennsylvania, has been working with OCF for about five years and says the commercial lender’s industry fluency and ability to structure flexible working capital solutions sets it apart.

“The OCF team brought a level of professionalism and understanding of our industry that we hadn’t found elsewhere,” said Futcher. “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.”

OCF anticipates continued momentum in 2026, having already funded more than $27 million across 14 new deals in the first four months of the year, a pace consistent with the group's strongest annual originations to date.