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Private real estate credit

We finish what we fund.

Oak originates, underwrites, and services senior-secured commercial real estate loans for experienced sponsors who value certainty, pace, and disciplined credit work.

View the standard ↓
$560M cumulative originations
$460M assets under management
50 states lending footprint

"Assets Under Management" is the combined gross assets under management of The Oak Companies, Inc., White Oak Capital Holdings, LLC, and their commonly controlled affiliates as of a recent date. Cumulative originations reflect Oak-originated loan volume since 2018; legacy portfolios acquired in default or distress are excluded. Figures describe current platform characteristics; they are not projections or guarantees. See Important Disclosures.

The Oak standard

Four ways we protect execution.

Great sponsors do not need noise. They need a lender who can read the real estate, understand the plan, price the risk, and stay accountable after close.

01 / Platform Operator quality matters. The PlatformTrack record, judgment, and transparency carry as much weight as the numbers. Open platform ↗︎ 02 / Lending Built for the plan. LendingBridge, construction, acquisition, and note strategies structured around milestones. Open lending ↗︎ 03 / Transactions Real estate first. TransactionsSee how asset, market, basis, and business plan shape the capital structure. Open transactions ↗︎ 04 / Why Oak We stay
in it.
Why OakContinuity from origination through payoff, with the same credit standard after funding. Open why oak ↗︎

Oak overview

A credit partner, not a counterparty.

Meet the team behind Oak's lending platform and see how origination, underwriting, and servicing stay connected from first review through payoff.

Featured transactions

View All Transactions ↗︎
Representative multifamily architectural sketch Ocean Shores Apartments Multifamily
Ocean Shores Apartments

Multifamily

Loan
$7,700,000
Type
Core-Plus Bridge Loan
Location
Southeast Region
Representative retail architectural sketch Irondequoit Plaza Retail
Irondequoit Plaza

Retail

Loan
$8,600,000
Type
Core Bridge Loan
Location
Northeast Region
Representative multifamily architectural sketch The Ravinia San Antonio Multifamily
The Ravinia San Antonio

Multifamily

Loan
$16,100,000
Type
HUD Multifamily 221(d)(4)
Location
Southwest Region
Representative industrial architectural sketch 4401 Fortune Place Industrial
4401 Fortune Place

Industrial

Loan
$10,180,000
Type
Core-Plus Bridge Loan
Location
Southeast Region

Lending products

Credit for defined real estate plans.

01Acquisition 02Transitional / Bridge 03Special Situations / Distressed Debt 04Agency FHA/HUD

A Deal in the Wild: Step Inside an Oak Deal

01 / Deal in the WildCiel of Cedar Mill A closer look at how Oak evaluates the asset, the sponsor, and the path to execution.

Sponsor fit

Capital shaped around your plan, your asset's path, and the certainty you need to close.

From transitional bridge to long-term agency debt, Oak pairs institutional underwriting with practical structuring - for sponsors who know where they're going.

01

Clarity

Direct feedback early, with no mystery around what we need to evaluate the opportunity.

02

Pace

Responsive review when timing matters and the facts support moving with conviction.

03

Alignment

Credit shaped around the sponsor's plan, exit, basis, and operating reality.

04

Discipline

Institutional underwriting with the practical judgment complex real estate requires.

Commercial real estate lending

Bring us your plan. We'll help you finish it.

Sponsor Inquiry ↗︎
The Companies

Commercial Real Estate Lending

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© 2026 The Oak Companies

Our website is for informational purposes only and intended for our non-advisory loan origination and servicing clients only. As such, nothing herein is an offer or solicitation for the purchase or sale of any security. Investors may log into their private investor account using the Login link above. Deal terms subject to change at our discretion. Investments in real estate loans involve substantial risk. Total figures include follow-on funding for loans originated.