As a community bank, we take great pride in being able to help local businesses thrive. With our competitive-rate business loans, we've been able to help several businesses throughout the area achieve even greater success. See some highlights below.

If you're a business owner in need of financing, please reach out to us to find out how we can help!


Success pic 1Company Type: Logistics and Containment Company

Funding Amount: $3.7 Million

Proceeds used for: Allowed for the Stock Purchase of the company by a Key Employee. The solution included a $500,000 line of credit to help fund working capital. The complex transaction was able to be closed in 48 days.


Success pic 2Company Type: Skilled Nursing Facility

Funding Amount: $1.4 Million

Proceeds used for: The client was purchasing the Facility from Bankruptcy proceedings and Oxford Bank was able to close the complicated deal in 95 days. By closing so quickly the client was able to save/retain over 85 full time skilled positions in Lapeer County.


Success pic 3Company Type: International Wholesale Distributor

Funding Amount: $1.6 Million

Proceeds used for: Provided for a Balance Sheet Recapitalization that helped the client accommodate its current growth rate of over 200%. It included $580,000 in permanent working capital with a Borrower’s Equity injection of less than 10% of total project costs.


Success pic 4Company Type: Secondary Retail Sales

Funding Amount: $2.9 Million Building

Proceeds used for: $900k was used to refinance an owner-occupied building. $2 Million Line of Credit was provided for working capital needs due to expansion and growth.

2017, Q1 Successes


Retail Store  Company Type: In Store Merchandise Display Systems Company

  Funding Amount: $2.2 Million

Proceeds used for: Included a SBA Loan to help recapitalize the client’s balance sheet, and a line of credit for working capital. This structure provided $1.2 Million in growth capital and over $9,000 in debt payment relief.


Engine  Company Type: Aerospace Tooling Company

  Funding Amount: $1.3 Million

Proceeds used for: The client was able to purchase the building they are located in and refinance existing debt. In addition, this financing structure will allow the client to provide more flexible payment terms for its clients. Also the SBA loan structure will improve the client’s cash flow by more than $200k per year.


Truck Terminal  Company Type: Heavy Hauling and Logistics Company

  Funding Amount: $4 Million

Proceeds used for: Provided financing for a 4.7 acre trucking terminal so the client could expand operations. The structured financing included both fixed and adjustable rate mortgage loans.


Medical Warehouse  Company Type: Medical Products Wholesaler

  Funding Amount: $4.75 Million

Proceeds used for: Oxford Bank was able to provide funds for a partner buyout and at the same time include a $1 Million working capital line of credit to help with the transition and day to day operations.


Construction Trucks  Company Type: Equipment Rental and Leasing Company

  Funding Amount: $1.9 Million

Proceeds used for: Assisted with the acquisition of the company and provide for a smooth transition for the new ownership. This will allow the client to provide more flexible terms to their customers.


Industrial Engineer  Company Type: Commercial Machine Service and Supply Company

  Funding Amount: $1.5 Million

Proceeds used for: Consolidated and refinanced the client existing debt. The structure provided annual cash flow relief of more than $200,000, and allowed the client to pursue several recently awarded Domestic and International Opportunities.


CNC Machine  Company Type: Machine Tool Contractor

  Funding Amount: $750,000

Proceeds used for: Provided recapitalization of existing debt that will help the client adequately manage triple digit growth. In addition, this transaction will release our client’s dependency on expensive, private party financing.

2016, Q4 Successes

Company Type: Insulation Contractor

Funding Amount: $150,000

Proceeds used for: A working line of credit for $100,000 and a $44,000 loan to purchase additional equipment.


Company Type: Automotive Supplier

Funding Amount: $1,350,000

Proceeds used for: Refinance of an existing $750,000 term loan utilizing the SBA 7(a) program on a 10-year repayment schedule. In addition, we provided a $600,000 conventional line of credit for working capital purposes.


Company Type: Seal Coating & Construction

Funding Amount: $300,000

Proceeds used for: Acquisition of property and construction for new headquarters. Oxford Bank was able to quickly finance the acquisition and construction of a new headquarters for the company prior to the company’s peak sales cycle for 2016.


Company Type: Commercial Construction

Funding Amount: $1,150,000

Proceeds used for: A $650,000 Building Loan Purchase, $300,000 Construction Equipment refinance, and a $100,000 line of credit for working capital.