capital solutions redefined
1Oak Lending is a vertically integrated, family-backed investment firm focused on structuring and investing in diversified portfolios of short-term, senior-secured loans collateralized by U.S. commercial real estate. The firm is committed to disciplined capital deployment, direct lending, and strategic real estate investments designed to deliver consistent yield enhancement and downside protection across market cycles.
Our Services ❊
Direct Lending
We’re more than a lender, we’re a trusted partner for navigating the complexities of the lending process as you expand your operations - together, we’ll develop a tailored solution that aligns with your financing objectives.
01Commercial Real Estate
From office buildings to industrial warehouses, our strategic approach to commercial real estate investing relies on meticulous market analysis to identify current scope and future, long-term value.
02Financing Partnerships
We work alongside banks, private lenders, debt funds, and equity partners to help structure capital stacks that make complex commercial real estate deals workable.
03Acquisition Loans
Commercial real estate financing solutions designed for owners and operators who are executing a business plan to acquire, improve, reposition, or stabilize a property before refinancing, holding, or selling.
We underwrite to future performance ahead of the property qualifying for traditional financing - factoring in for renovations, lease-up efforts, operational improvements, or other capital initiatives that will enhance cash flow and asset value.
Our
Lending
Programs ❊
Bridge Loans
Short-term commercial real estate financing solutions designed for non-standard, time-sensitive, or complex situations where conventional lenders are unable or unwilling to proceed. Our loans are purpose-built to solve problems — not fitting within traditional underwriting boxes.
Most often used when a property or ownership structure faces a challenge such as imminent maturity, foreclosure pressure, capital shortfalls, partnership disputes, title or structural complexity, or temporary cash-flow disruption — but where the underlying real estate remains fundamentally sound.
Construction Loans
Specialized commercial real estate financing solution designed to fund the ground-up development or major redevelopment of a property. Unlike stabilized or value-add financing, construction loans are structured around a project that does not yet produce income and instead relies on a defined development plan, budget, and timeline to create value.
Construction financing provides the capital needed to acquire land (in some cases), pay for hard and soft construction costs, and carry the project through completion and stabilization before transitioning into permanent financing or sale.
Arizona
California
Colorado
Florida
Nevada
Oklahoma
Oregon
Texas
Utah
Washington
Where
We Lend ❋
Past Projects ❊
$10.6MM Hotel Acquisition in New Mexico$8.99MM Retail Refinance in Florida$8.3MM Construction Refinance in Florida$3MM Industrial Refinance in California