About 12 Oak Lending

Built by investors, for investors. Fast, transparent private capital rooted in Kansas City.

Our Story

Purpose-Built Lending,
Powered by Experience

12 Oak Lending is a privately owned, purpose-built lending platform created by investors, for investors. Based in Kansas City and internally funded, we've financed more than $40 million in residential projects across the Kansas City Metro — helping investors, builders, rehabbers, and wholesalers turn vision into value with speed and clarity.

We started 12 Oak because we were tired of the traditional lending experience — slow approvals, mountains of paperwork, and lenders who didn't understand the deals we were doing. So we built something better: a streamlined, collateral-based platform that puts the investor first.

Every dollar we lend is our own. That means faster decisions, flexible terms, and a team that genuinely understands your business — because we're in it too.

Our Mission

Empowering Investors to
Move Fast & Build Wealth

"Our mission is simple: provide real estate investors with the fastest, most transparent capital in the market — so they can focus on what they do best: finding great deals and creating value."

Why Borrowers Choose Us

The reasons investors keep coming back, deal after deal.

Speed That Wins Deals

We know real estate moves fast. Our streamlined, internally funded process means you get capital in days, not weeks — so you never lose a deal to slow money.

Investor-First Thinking

We're investors too. Every product, policy, and process is designed from the borrower's perspective — because we've been in your shoes.

Radical Transparency

No hidden fees, no surprise terms, no runaround. We tell you exactly what to expect upfront and deliver on that promise every time.

Relationship Over Transaction

We don't just fund deals — we build partnerships. Most of our borrowers come back for their next project, and the one after that.

Where We Lend

We're focused on the markets we know best — providing fast, local capital where it matters most.

🏙️

Kansas City Metro

Kansas & Missouri sides

📍

Springfield, MO

& surrounding areas

Ready to Work Together?

Whether it's your first flip or your fiftieth, we're here to help you move fast and build wealth.