Factories & manufacturing
Working capital for raw materials, production, supplier payments, and day-to-day operations.
Investments | Syndication | Private Credit
Capital that keeps business growing.
Working capital for today. Term financing for tomorrow. Real estate financing built around your next opportunity.
WORKING CAPITALBUSINESS GROWTH & TERM LOANSREAL ESTATE FINANCING
For the businesses doing the work
From the factory floor to the next purchase order.
Every operating business has a different cash cycle. We work with owners to understand the timing between paying for labor, inventory, and production—and getting paid. Working capital is central to O2’s financing approach.
Wine & beverage
Capital needs spanning production cycles, inventory, seasonal demand, and distribution.
Consumer packaged goods
Working capital for inventory, packaging, purchase orders, and retail growth.
Staffing & services
Financing needs created by payroll timing, customer payment cycles, and new contracts.
These are examples of the businesses we serve. Tell us about your company and its next stage of growth.
Loans for Business Growth
Plan ahead. Finance your next chapter.
Growth requires capital beyond day-to-day operations. O2 works with business owners to evaluate term financing for opening new locations, purchasing equipment, expanding production, pursuing acquisitions, and supporting succession or family ownership transitions. We start with your business plan, cash flow, and timing to help structure financing around the opportunity.
New locations
Evaluate financing for opening another location and extending your business into new markets.
Equipment & production
Plan term financing around equipment purchases and increased production capacity.
Strategic growth
Review acquisition opportunities alongside cash flow, existing debt, and your longer-term business plan.
Ownership transitions
Explore financing to support succession planning and transitions for business owners and families.
Real estate & project financing
Capital built around the opportunity.
Alongside operating businesses, O2 supports financing needs across real estate. We assess the asset, business plan, capital structure, and repayment strategy to identify an appropriate path forward.
- Hospitality & hotels
- Multifamily & residential
- Mixed-use & commercial properties
- Bridge financing & project capital needs
Each opportunity is reviewed individually. Financing structures and availability depend on diligence and approval.
Relationships, supported by process
A clearer path from capital need to execution.
Our proprietary back office and technology partners support a coordinated financing process, bringing borrowers and capital partners together around the information a transaction needs.
Start with the business.
Define your funding need, use of proceeds, timeline, and source of repayment.
Build the financing picture.
Coordinate diligence, financial review, and consideration of potential structures and capital participation.
Move forward together.
Coordinate documentation, closing requirements, and ongoing reporting as agreed for the transaction.
Let’s start a conversation
Your next move. Our starting point.
Whether you run an operating business, develop real estate, or represent a capital partner, O2 starts by understanding what you are building.
Adam Lomax · Chief Executive Officer
Jennifer Kelly Freis · Co-Founder
Business owners & borrowers
Prepare a short company overview, the amount requested, use of funds, timing, recent financials, and a summary of existing debt for your initial conversation with O2.
Real estate sponsors
Share a project overview, requested financing, current capital structure, asset details, schedule, and repayment plan.
Capital partners & investors
Contact the O2 team to discuss your mandate and the process for reviewing authorized materials. Access and participation are subject to eligibility and transaction requirements.
Email adam.lomax@o2invest.net to start a conversation. Please do not send sensitive financial or personal documents by ordinary email; ask us for a secure submission method.