We are a Tulsa-based direct business lender with a simple belief: capital should strengthen a business, not strain it. Everything we do starts from that point of balance.
Value Financial Services LLC was founded in Tulsa, Oklahoma to give local business owners a more honest path to capital. Too many entrepreneurs we met had been handed funding that looked attractive on the surface but quietly worked against them — confusing structures, obligations that ignored how their revenue actually moved, and terms designed to be hard to read. We built Value to be the opposite of that.
Our name is our north star. Value is the meeting point where a business owner's ambition and a lender's responsibility come into balance. We size every financing structure to a company's real cash flow, write our terms in language anyone can evaluate, and make decisions locally so owners get fast, straight answers from people who understand the Oklahoma market.
We are a direct lender, which means you work with the people who actually structure and fund your financing — not a middle layer that passes you along. That keeps communication clear, decisions quick, and accountability where it belongs: with us.
Tulsa has always been a city of builders — from its early commercial crossroads on Route 66 to the diverse mix of contractors, retailers, healthcare practices, restaurants, and service companies that drive its economy today. We serve that community directly. When you sit down with Value Financial Services, you are working with a lender that understands seasonal swings, local supplier relationships, and what it takes to grow a business in Green Country.
We believe financing should be proportional. A funding structure that demands the same payment in a slow month as in a strong one isn't balanced — it's brittle. That is why solutions like revenue-based financing matter to us: when repayment moves with performance, a business stays resilient through the ups and downs that every company faces. Whether you need working capital to cover a seasonal gap, equipment financing to expand capacity, or bridge funding to seize a time-sensitive opportunity, we structure it to keep your business standing strong on the other side.
Three commitments guide every funding decision we make.
We structure funding in proportion to your cash flow, so obligations stay sustainable through strong and lean months alike.
Plain-language terms, no buried mechanics, and a clear explanation of every figure before you commit to anything.
We measure our success by whether your business is stronger after working with us — not just funded.
We work with established small and mid-sized businesses across Oklahoma and the surrounding region — including contractors and trades, retail and e-commerce, restaurants and hospitality, healthcare and professional practices, logistics, and B2B service companies.
If your business has real revenue and a clear plan for the capital, there is likely a balanced funding structure we can build with you. We focus on fit over volume: we would rather design the right structure than push the biggest one.
Headquarters
2017 S 129th E Ave
Tulsa, OK 74108
Focus
Direct business financing for Oklahoma companies
Email
robert@value-financial-services.com
Approach
Balanced, transparent, locally decided
Whether you're planning growth or smoothing a seasonal gap, we'll help you find a funding structure that keeps your business in balance.
Contact our team
Value Financial Services