Oak Street Funding
SBA & Acquisition LendersA nationwide specialty lender (operating since 2003, bank-owned) that finances acquisitions of insurance agencies, RIA firms, and CPA practices with conventional loans secured by the recurring revenue of the book itself rather than hard collateral, including acquisition, succession, and partner-buyout structures.
- Pricing
- Custom pricing, Loan products; no fee to engage. Rates are quoted per deal and not published. Third-party guidance describes down payments around 5% to 20% with seller financing commonly required in the structure (agencybrokerage.com, July 2026); confirm current terms directly.
- Best For
- Insurance-agency, RIA, and accounting-practice buyers who want a conventional alternative to SBA debt from a lender that underwrites recurring commissions as the collateral
- Roadmap Stages
- 3. Set Up & Fund the Search7. Diligence & Financing
Pros
- Two decades specialized in exactly the recurring-revenue practices searchers target in these verticals
- Conventional structure can avoid some SBA constraints and paperwork, and terms reportedly improve across repeat acquisitions
- Underwrites the book's renewals rather than demanding hard collateral
Cons
- No published rates or terms, so comparison shopping requires quotes
- Vertical-specific: outside insurance, RIA, CPA, and a few niches, it is not the lender
- Conventional pricing can run above SBA on comparable deals; make both paths quote
What Searchers Say
A long-standing fixture in insurance-distribution finance, regularly recommended in agency-acquisition guides as the specialty alternative to SBA lending. Community sentiment is matter-of-fact rather than enthusiastic: a professional lender with a niche it knows deeply.