Capital Markets Advisory

Strategic financing for the companies reshaping lending

Rocky Oak Capital advises fintech lenders and specialty finance companies on warehouse financing, securitization, hedging, and capital markets execution.

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The Firm

Institutional-grade capital markets capabilities

Rocky Oak Capital provides hands-on capital markets consulting to fintech and specialty finance companies. We work alongside management teams to design, build, and optimize the full spectrum of funding infrastructure — from first warehouse line through programmatic securitization.

Our engagements are structured to function as an extension of your team, delivering institutional-grade capital markets capabilities without the overhead of a full in-house desk.

10+

Years of capital markets advisory

Asset classes served

Full

Lifecycle coverage — origination through securitization

Embedded

Operates as an extension of your team

What We Do

Services

Warehouse Financing

Design and negotiate warehouse credit facilities with banks and alternative lenders. Structure borrowing bases, advance rates, and eligibility criteria tailored to your collateral.

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Securitization

Execute term ABS transactions from deal structuring and rating agency engagement through pricing and closing. Build repeatable, programmatic issuance platforms.

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Whole Loan Trading

Structure and execute whole loan sales — both flow and bulk. Negotiate master loan sale agreements, establish best execution frameworks, and manage counterparty relationships.

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Interest Rate Hedging

Develop and implement hedging strategies to manage pipeline and portfolio rate risk. ISDA documentation, counterparty selection, and ongoing mark-to-market management.

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Treasury Operations

Build and optimize treasury functions — cash management, liquidity forecasting, covenant compliance, and operational reporting to warehouse lenders and investors.

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Capital Markets Strategy

Advise management and boards on optimal funding mix, capital structure, investor diversification, and long-term capital markets roadmap development.

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Industries Served

Sectors

Buy Now, Pay Later

Point-of-sale installment lending platforms and pay-over-time consumer financing programs.

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Residential Mortgage

Digital mortgage originators, correspondent lenders, and non-QM platforms.

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Consumer Lending

Unsecured personal loan platforms and marketplace lending operations.

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Student Lending

Private student loan originators and refinancing platforms.

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Auto Finance

Prime, near-prime, and subprime auto loan and lease originators.

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Small Balance Commercial & SBA

Small business lenders, SBA 7(a) and 504 originators, and commercial bridge lending platforms.

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How We Work

Approach

Assess

Evaluate current funding infrastructure, identify gaps, and benchmark against market standards.

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Architect

Design the optimal capital structure and execution plan aligned with your growth trajectory.

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Execute

Lead negotiations, manage counterparties, and drive transactions through to close.

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Operate

Provide ongoing support for treasury, compliance reporting, and capital markets optimization.

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Ready to optimize your capital markets infrastructure?

We'd welcome a conversation about how Rocky Oak Capital can support your financing objectives.