RIA Debt Impact Study:
Strategic Capital as a Catalyst for Scale
The RIA industry has entered a "maturation super-cycle." As 2025 set new records for M&A activity and the "succession cliff" puts $13 trillion in assets in play, the choice for mid-sized firms is simple: lead the consolidation or be consolidated.
Oak Street Funding provides the specialized, cash-flow-based capital that allows RIAs to institutionalize their growth—doubling AUM and client counts—all while maintaining 100% equity ownership and operational independence.
.png?width=571&height=800&name=LMR%20Thumbnail%20(3).png)
The Acquirer Advantage
2025 marked a historic peak in M&A. Firms utilizing inorganic growth strategies saw compound annual growth rates (CAGR) 3% higher than those relying solely on organic efforts.
Pure Business Development
While market performance fluctuates, client household count is the true measure of scale. Our mature borrowers saw client growth of 15.5%, more than double the industry median of 6%.
