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Flexible Capital. No Equity Required.

Access $250K–$50M+ in non-dilutive capital with custom structures like ABL lines, term loans, asset & cash-flow backed credit tailored to your growth stage and goals.
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About US

Oval Ventures

Oval Ventures provides structured credit facilities from $250,000 to $50 million+ for working capital, growth initiatives, acquisitions, and special situations. We understand the capital challenges entrepreneurs face and design flexible, transparent financing that supports long-term success.

Serving lower- and middle-market companies across multiple industries, we offer asset-based and cash-flow-based solutions—ranging from senior secured to subordinated debt. Whether structured as a revolving line of credit or term loan, every solution is tailored to meet the unique needs of each business, helping founders focus on growth while we streamline the financing process.

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Structured credit
facilities from

$250,000

to

$50 Million+

Oval Ventures Solution

Oval
Ventures
Solutions

Our lending strategies are built to support your unique goals.

01

Bank Line of Credit

Asset- or cash flow–backed lines of credit for companies with tangible assets or positive cash flow/EBITDA. With rates as low as Prime or SOFR, these facilities are structured to deliver cost-efficient, reliable working capital and enhance financial stability for growing businesses

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02

Asset Based Lending

A cost-effective alternative to invoice factoring, providing interest-only payments for invoices up to 90 days past the invoice date. Revolving credit facilities secured by accounts receivable, inventory, equipment or real estate. These senior secured lines are structured to maximize borrowing capacity while providing the flexibility businesses need to grow and pursue new opportunities.
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03

Venture Lending

Unlock substantial non-dilutive capital with ARR (annual recurring revenue) /MRR (monthly recurring revenue)-backed credit, where borrowing grows with your predictable revenue. Flexible, scalable financing to fund growth without giving up equity.
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04

Consumer Packaged Goods (CPG)/ E-Commerce Lending:

Founder-friendly financing that’s more cost-effective than traditional FinTech solutions. Offers longer-term repayment options not tied to a percentage of revenue, with predictable rates and flexible terms designed to support sustainable growth.
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05

Unsecured Advances

Fast funding with closings in just 2–3 business days. Options can be unsecured with no UCC liens required at closing, making it ideal for businesses seeking quick liquidity or bridge financing. Cash-flow/EBITDA negative companies can qualify.
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Oval Ventures Investment Criteria

We partner with lower and middle-market businesses across North America that meet the following funding criteria.

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GEOGRAPHY

U.S

We fund businesses across the U.S. as well as Canada, Europe & Australia.

INDUSTRY

Agnostic

We fund companies across all industries, with no restrictions on sector or business type.

CHECK SIZE ​

$250k-$50 m+

We offer funding from $250,000 to over $50 million, tailored to your business needs.

ANNUAL REVENUE​

$3 million+
run rate​

No EBITDA

MINIMUMS

No minimums, cash flow negative companies could qualify

LENDING

STRUCTURE

Senior secured​, Subordinate (mezzanine/junior), asset based, cash flow based, revenue based financing

Experiences That Speak Volumes

Recent Transactions

$85mn

Credit Facility

Industry: Consumer Goods

Revenue Run-Rate: $400mn

Details: Company needed a financial solution due to losses in 2021 & 2022 which caused a breach of covenant, facilitated a refinance and rate stood at SOFR + 5.

$15mn

Equipment Sale-leaseback
Industry: Healthcare

Revenue Run-Rate: $25mn

Details: MRI industry, Initial tranche at $4mn, additional tranches at milestones and revenue targets. $15mn credit facility carve out for additional non-dilutive capital.

$15.4mn

Term Loan

Industry: Vertically integrated, tech-enabled digital marketing agency

Revenue Run-Rate: $25mn

Details: This buyout marks a significant shift in the ownership structure of the company, which has been leveraging technology to offer comprehensive digital marketing solutions across multiple industries. This was structured as a multi-year term loan with interest-only payments for the first 12-months.

$8.8mn

Advance

Industry: Tugboats

Revenue Run-Rate: $200mn

Details: $8.8 million refinance for a Tugboat business doing $35 million in EBITDA: The company needed cash to purchase three new boats. This cash infusion will help bring in significant revenue and acts as a bridge until the company secures a $130 million refinance with their bank at the end of May.

$15mn

Term Loan
Industry: Insurtech

Revenue Run-Rate: $20mn

Details: The company specializes in insuring concert/sport tickets. This funding will position the company to raise equity at a further date with a more favorable valuation.

$10mn

Term Loan
Industry: Online Snacks/CPG

Revenue Run-Rate: $70mn

Details: Oval Ventures provided a $10 million multi-year term loan to help with the online chocolate, licorice, pretzel business in expanding into other verticals and maximining their SEO. The company will be grated additional tranches of capital once certain revenue thresholds are met.
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