Senior Secured Small-Balance Commercial Real Estate Bridge Loans, held through fund bonds (8% to 9.5%) and the operator's own 9% preferred stock

The Oak Companies (Red Oak Capital)

Operated by The Oak Companies, Inc. (Delaware; successor by merger to Red Oak Capital Holdings, LLC on September 10, 2026)

The Oak Companies is the renamed Red Oak Capital Holdings, a Charlotte bridge lender that raised about $353 million of retail Reg A bonds through eight fund vehicles and is now selling a 9% perpetual preferred in the parent to retire some of them. The consolidated group lost $31.4 million in 2025; one bond fund is in liquidation, one carries a going-concern opinion, and the District of Columbia is suing the lender over its own loans.

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Platform Identity

Headquarters
Charlotte, NC, United States
Founded
2015
Parent
The Oak Companies, Inc. (Delaware; successor by merger to Red Oak Capital Holdings, LLC on September 10, 2026)
Platform type
Direct-Issuer Commercial Real Estate Lender (Regulation A Tier 2 bond funds sold through broker-dealers; Regulation A convertible preferred stock of the operating parent since September 2026)
Regulatory
unregistered
Eligibility
retail

AltStreet Coverage

Review status
Published
Coverage type
Investment platform
Review date
Oct 11, 2026
Last updated
Oct 11, 2026
Composite score
3.3

Key Data Points

EDGAR-linked offerings
6
Filing-verified raised
$157.24M
Investors disclosed
250

Auditors of Record

Audit firms named in this platform's issuer filings, as recorded in AltStreet's auditor directory. Each firm page lists every issuer it audits across covered platforms.

Reference Reading

AltStreet reference pages on the filings and mechanics behind this platform's category.

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