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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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Van finance for start-ups that need to move fast.

Getting a new business off the ground often depends on having the right vehicle in place from day one. Whether it’s for deliveries, site visits or daily operations, a reliable van is essential to keeping things moving.

Van finance for start-ups allows you to secure the vehicle you need without committing a large amount of capital upfront. Instead of draining your cash reserves early on, costs are spread into manageable payments that support your business as it grows.

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Funding built around your business.

When you’re launching or scaling, timing matters. The ability to secure the right van quickly can make a real difference to how smoothly your business operates.

Better rates than high street banks

We can give you better terms and funding that works in your favour.

Start-up friendly finance options

Access funding designed for new businesses, even with limited trading history, helping you get on the road sooner.

A straightforward, guided process

From application through to approval, everything is handled clearly and efficiently so you can stay focused on building your business.

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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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Get the van you need without holding your business plans back.

Early-stage businesses need to protect cash flow wherever possible.

First Oak Capital helps you secure the right van with funding that keeps your finances stable. Whether you need flexibility to upgrade later or prefer a longer-term solution, repayments are structured to remain manageable as your business develops.

The outcome is simple. You get the vehicle you need to operate effectively, without putting unnecessary pressure on your finances.

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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 funding designed for new businesses.

Van finance is typically secured against the vehicle itself, keeping things straightforward and accessible. You are not relying on large unsecured loans or risking other business assets.

Payments are aligned with your monthly outgoings, helping you avoid heavy upfront costs while maintaining control of your cash flow. As your van supports your operations, the finance supports how 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.

Keep your business moving from day one.

An unreliable or unsuitable vehicle can slow everything down. Missed jobs, delays and poor presentation all impact how your business is perceived.

First Oak Capital helps start-ups secure dependable vans with funding that fits around their situation. With the right vehicle in place, you can operate efficiently, deliver consistently and build a strong reputation from the outset.

Instead of being held back, you can focus on growing your business with confidence.

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Van finance that supports your next steps.

Starting a business involves making the right decisions early. The way you fund your vehicle should support that.

First Oak Capital takes the time to understand your plans, your challenges and what you need from your vehicle.

Suitable funding options are then sourced and explained clearly, with transparent costs and practical repayment structures.

When you’re ready to get on the road, the goal is simple. Put the right van in place, support your business properly and keep everything moving forward.

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

Van 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.

Van finance for start-ups allows new businesses to get a van without paying the full cost upfront. Instead, you spread the cost over fixed monthly payments, helping you preserve cash while getting your business moving.

Yes, many lenders offer van finance for start-ups with little or no trading history. Applications are usually assessed on your overall situation, including personal credit and affordability.

Start-ups use van finance to avoid large upfront costs and keep cash available for other areas like marketing, stock, or staffing. It also helps secure a reliable vehicle from day one.

Most types of vans can be financed, including small vans, medium panel vans, large commercial vans, and specialist vehicles used for trade or delivery work.

Yes, used van finance is widely available and can be a cost-effective option for start-ups looking to reduce overall borrowing while still getting a reliable vehicle.

Yes, van finance is a form of business vehicle finance designed specifically for commercial use. It works in a similar way to car finance but is tailored to business needs.

Deposit requirements vary. Some agreements allow low or no deposit, depending on your credit profile and the lender’s criteria.

It may still be possible to get van finance with poor credit. Some lenders specialise in working with start-ups and will look at your full financial position, not just your credit score.

Common options include hire purchase, finance lease, contract hire, and balloon payment finance. Each option offers different benefits depending on whether you want to own the van or keep flexibility.

Yes, many businesses use van finance to fund multiple vehicles, whether starting a fleet or expanding as demand grows.

Approval times can be fast, especially if you have the required information ready. In many cases, funding can be arranged quickly so you can secure the right vehicle without delay.

Some finance options allow you to upgrade or refinance, giving you flexibility as your business grows or your needs change.

Depending on the finance type, there may be tax benefits such as claiming allowable expenses. It is always worth speaking to an accountant for advice specific to your business.