For many entrepreneurs, the journey begins with a spark of inspiration. For Cassie Sparks, it began with a setback—one that reshaped her understanding of financial systems and ultimately inspired her to build something that would change the trajectory for more business owners in Chattanooga.
Founding Oak Commercial Funding
In the beginning, Sparks faced a significant financial challenge that prevented her from accessing traditional funding to pursue a business. She quickly realized she wasn’t alone. Even hardworking, dedicated entrepreneurs often struggle to secure capital. Not because they lack vision or discipline, but because they don’t fit neatly into the traditional lending box. That experience opened her eyes to the deep gaps that exist in the financial system and the number of people who fall through them. Instead of letting that moment define her, Sparks transformed it into motivation. She saw an opportunity to create something meaningful—something that would give entrepreneurs the support she wished she had. In 2024, she founded Oak Commercial Funding, a company built on the belief that access to capital should not be limited to those who already have advantages.
Changing the Narrative Around Access to Capital
From the start, Sparks envisioned Oak Commercial Funding as more than a lending resource. She wanted it to be a catalyst for community transformation. When a small business gains access to capital, she explains, the impact extends far beyond the owner. It creates jobs, supports families, strengthens neighborhoods, and contributes to a more resilient local economy. Sparks hopes her work creates a ripple effect of opportunity throughout Chattanooga—one entrepreneur at a time. “I am especially passionate about changing the narrative around funding,” she says. “Too many people believe that if they don’t qualify for traditional financing, their options are over. I want to show them there is still a path forward.” Her mission is simple but meaningful. Bridge funding gaps and provide small business owners with the capital they need to grow at the forefront.
How the Business Literacy Series Strengthened Her Confidence
Her approach gets rooted in empowerment. She helps entrepreneurs secure funding, but she also equips them with the knowledge and tools to build sustainable, long‑term success. Education is driven into every part of her work. Sparks believes that when business owners understand their financials, evaluate opportunities with clarity, and make strategic decisions with confidence, they are better positioned to grow something meaningful.That commitment to education is one reason Sparks enrolled in the Chattanooga Chamber’s Business Literacy Series (BLS)—a program designed to strengthen entrepreneurs’ financial understanding and strategic planning. For her, the experience was transformative. “Completing the Business Literacy Series strengthened my confidence in a very practical and meaningful way,” she says. “Running a business requires clarity and structure, and the program helped reinforce that foundation. Today, I feel more equipped, more focused, and more confident in my ability to lead my business with both vision and discipline.”
The program connected her with a community of like‑minded entrepreneurs—people who are equally committed to growth, excellence, and building a stronger Chattanooga. That sense of alignment and momentum reaffirmed that she is building something with purpose. Sparks credits Chattanooga’s entrepreneurial ecosystem for shaping her journey. The city’s collaborative spirit, supportive networks, and commitment to small business development have played a meaningful role in her growth. She sees Chattanooga as a place where entrepreneurs can thrive—not just because of resources, but because of the people who genuinely want to see one another succeed.
Where to Connect With Oak Commercial Funding
As Oak Commercial Funding continues to grow, Sparks remains focused on her mission: helping entrepreneurs access the capital they need while empowering them with the knowledge to use it wisely. Sparks’ work is grounded in the belief that strong businesses build strong families, and strong families build strong communities. For business owners looking to learn more, Sparks encourages them to stay connected. Her website, oakcommercialfunding.com, offers information about services, funding options, and educational resources. Oak Commercial Funding is also active on LinkedIn and Facebook, where Sparks regularly shares insights on business funding, financial education, and strategies for growth.
“I always welcome opportunities to connect, collaborate, and be a resource to others in the community,” she says. What began as a personal setback has evolved into a mission-driven business that is reshaping access to capital in Chattanooga. Through Oak Commercial Funding, Cassie Sparks is not only helping entrepreneurs secure funding—she is helping them build stronger futures, stronger families, and a stronger community.
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