OCX Open Capital Exchange

Smart Business Loans

Fair, Fast, Transparent Financing

OCX connects independently owned businesses with capital

We offer business loans with simple, fair terms. The online application process is quick and straightforward. Approved loans are funded in days.

How It Works

We are currently lending up to $100,000 for up to 1 year with annual interest rates as low as 8%


If you are a business principal, you can apply for a loan on our website.

Approved applicants are immediately given an offer that can be funded in 1-3 business days.

You can access lower rates by reaching out to people who know your business for references or to fund part of your loan. We call this group your “Syndicate.” If your Syndicate funds even a small portion the loan, that gives other investors more confidence in your business, which means cheaper capital for you.

For example, you may be able to get a $100,000 loan immediately at a 17% interest rate, but if your Syndicate funds the first $20,000 your rate may be reduced to 12%.

Our pricing is simple. We charge interest (8%-25% per year) and an origination fee (3%-5%) that covers costs associated with setting up the loan.

Once a loan is originated, we take payments directly from the borrower’s bank account until it is repaid.

That’s it.

If you have an independently owned business in need of capital, we would love to work with you.

- The OCX Team