Oxford Commercial Finance passes $275M in working capital financing

Oxford Commercial Finance, a subsidiary of Oxford Bank, has surpassed $275 million in active working capital financing facilities since launching in 2022, underscoring growing demand among U.S. small and midsize businesses.

The Oxford, Mich.-based lender has closed 126 transactions across 18 states and deployed more than $120 million in initial funding, according to a June 10 release.

Oxford Commercial Finance provides asset-based lending, factoring, lines of credit, term loans and purchase-order financing for businesses that might not qualify for traditional bank financing, according to the release. Facilities typically range from several hundred thousand dollars to $10 million and are used to fund growth initiatives, acquisitions, seasonal working-capital needs and operational transitions.

Manufacturing represents the largest share of the company’s portfolio at 38%, followed by administrative and staffing services at 22% and transportation and warehousing at 16%, according to the release. The portfolio includes 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.

The company also reported funding more than $27 million across 14 new transactions during the first four months of 2026, maintaining a pace consistent with its strongest origination periods since launch, according the release.

Oxford Commercial Finance serves businesses through working-capital financing products designed to improve cash flow and support business expansion.

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