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Business finance

Flexible business loans structured around your ambitions and responsibilities. Whether you are investing in growth, strengthening cash flow or acting on new opportunities, the right funding gives you confidence, control and measurable momentum.

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Business needs

Straightforward funding built around the realities of running a business. Whether you are covering a short term gap, investing in new capacity or navigating unexpected pressure, the right finance gives you stability, clarity and the freedom to focus on growth.

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Commercial vehicle finance

Practical vehicle finance designed to support how your business operates. Whether you are replacing ageing vehicles, expanding your fleet or taking on bigger contracts, the right funding protects cash flow while keeping you moving forward. 

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About us

Straightforward business finance built around how your company actually operates. Whether you are investing in growth, managing cash flow or acting on new opportunities, the right funding gives you the clarity and flexibility to move forward with confidence.

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Electric car finance that keeps your business moving forward.

Electric car finance gives you the ability to adopt or expand your EV fleet without committing large amounts of capital upfront. Instead of a single significant payment, costs are structured into manageable monthly amounts that align with your day-to-day operations.

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Electic vehicle funding created just for you.

When the right vehicle becomes available, timing matters. Having funding in place allows you to act quickly and secure the right option without delay.

Stronger terms than high street lenders

Access better rates and terms designed to work in your favour, making it easier to fund the vehicles your business depends on.

Access competitive EV funding terms

Benefit from finance options tailored to electric vehicles, helping you secure favourable rates and structures that suit your business.

We only arrange bespoke funding options

We take the time to understand your requirements, structuring finance around how your vehicles are used and what your business needs.

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Funding for startups and new limited companies.

We work with startups and new limited companies to secure funding that supports real growth, without delays or complexity.

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Upgrade to electric without putting pressure on cash flow.

Switching to electric should strengthen your business, not restrict it.

First Oak Capital structures funding around your priorities, whether that’s long-term ownership, regular upgrades or building a scalable fleet. Repayments remain predictable, giving you clarity over costs while keeping working capital available for other areas of the business.

The result is simple. You gain access to efficient, modern vehicles while maintaining control of your finances and planning ahead with confidence.

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Check your eligibility, without affecting your credit score.

It only takes a few moments to check your eligibility and explore the funding options available to your business. There is no obligation, and our team will be ready to help guide you through the process.

Apply for funding

Tell us a little about you, your business and what you are looking to fund.

Application review

A dedicated specialist takes time to understand your objectives and financial position. We then collect any other information needed to move forward.

Funding options

We search our lending panel, manage the application process, and present suitable offers for you to consider, with no pressure to proceed.

Funds sent

After approval, funds are transferred to your business account or paid directly to a supplier, so you can move ahead without delay.

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We're here to help if you need us

Contact our UK-based team if you have any questions

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Simple, structured funding for your electric vehicles.

Electric car finance is typically secured against the vehicle itself, keeping the process straightforward and focused. There is no need to rely on wider borrowing facilities or put additional assets at risk.

Payments are arranged to suit your monthly position, helping you avoid large upfront costs while maintaining consistent cash flow. As the vehicle supports your operations, the finance supports the way you pay for it.

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You pay fixed monthly instalments over an agreed term and automatically own the vehicle once the final payment is made.

Benefits
Clear ownership, fixed costs and long term security for businesses that plan to keep vehicles.

You use the vehicle for most of its working life and settle a small remaining value at the end or upgrade.

Benefits
Lower monthly payments and flexibility to refresh vehicles as your business evolves.

You pay to use the vehicle for a fixed period and return it at the end of the agreement.

Benefits
Predictable budgeting with no ownership risk or resale concerns.

Funding is released against vehicles you already own while you continue using them as normal.

Benefits
Unlocks cash tied up in assets without interrupting operations.

Monthly payments are reduced with a larger optional final payment if you want to keep the vehicle.

Benefits
Improves monthly cash flow while keeping ownership flexible.

Move to electric with confidence.

Outdated vehicles increase costs, reduce efficiency and can hold your business back. Electric vehicles offer a cleaner, more reliable alternative that supports both performance and perception.

First Oak Capital helps you transition to electric with funding that fits how your business operates. With the right structure in place, you can improve efficiency, reduce ongoing costs and present your business in a more progressive way.

Instead of delaying the switch, you can move forward with confidence, knowing your vehicles and your finances are working together.

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Electric vehicle finance built for long-term business decisions.

Investing in electric vehicles is a strategic move. The funding behind it should reflect that.

First Oak Capital takes the time to understand your objectives, how your vehicles are used and what the right structure looks like in practice.

From there, suitable options are sourced and presented clearly, with transparent costs and realistic repayment plans.

When you are ready to introduce or upgrade electric vehicles, the goal is clear. Put the right funding in place, support your business effectively and keep everything moving in the right direction.

Tailored funding, built around your business.

Whether you are starting out or scaling up, we help you access the right finance that you need to support your next stage of growth.

Trusted since 1994

Decades of real-world experience means you get guidance you can rely on, not guesswork.

Competitive rates that work for you

Finance structured to support your growth, while keeping costs under control and predictable.

Access to 100+ UK lenders

A wide panel of lenders gives you more choice, better terms and funding tailored to your business.

FAQ

Electric Car finance FAQs.

Choosing the right finance solution for your business often raises important questions.

Whether you are exploring funding for growth, managing cash flow pressures or investing in vehicles and equipment, understanding how different finance options work can make the process clearer.

If you have any specific question please contact us or call our team on 0800 066 3677.

Electric car finance allows businesses to spread the cost of electric vehicles over fixed monthly payments instead of paying the full amount upfront. It helps manage cash flow while giving access to modern, efficient vehicles.

Electric vehicle finance is usually secured against the vehicle itself. You choose a finance option such as hire purchase, lease, or contract hire, then repay in monthly instalments over an agreed term.

Yes, electric vehicle finance can be arranged for single vehicles or entire fleets. Funding can be structured to support growth, upgrades, or replacement of existing vehicles.

Not always. Many electric car finance agreements offer flexible deposit options, including low or no upfront payment, depending on your business profile and the funding structure.

Common options include hire purchase, finance lease, contract hire, asset refinance, and balloon payment finance. Each option suits different business goals, whether that’s ownership or flexibility.

Yes, electric car finance is widely used by small businesses as it avoids large upfront costs and keeps monthly expenses predictable.

Options may still be available depending on your circumstances. Lenders will consider factors such as trading history, income, and the asset being financed.

Electric vehicles often have lower running costs compared to petrol or diesel, including savings on fuel, maintenance, and potential tax advantages.

Funding can often be arranged quickly once your application is approved. Having finance ready in advance can help secure vehicles when they become available.

In many cases, businesses may benefit from tax efficiencies when financing electric vehicles. It is best to check with your accountant to understand what applies to your situation.