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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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Construction vehicle finance built around your sites.

First Oak Capital helps you secure the construction vehicles your business relies on, with funding structured around how your sites actually operate. Whether you’re expanding your fleet, upgrading ageing equipment or replacing key machines, finance is built so repayments stay predictable and aligned with your workload.

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Keep your transport operations growing.

We give you the confidence to act when it matters most, backed by funding that’s ready when you need it.

Stronger terms for heavy duty investment

Access competitive rates and terms designed to support your cash flow, making it easier to fund vehicles that keep your business on the road.

We manage the entire process

We work with a wide panel of lenders, giving you more choice, stronger terms and a clear route to securing the vehicles you need.

We only arrange bespoke funding options

We take the time to understand your operation, structuring finance around your fleet, workload and day to day demands.

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Find the right type of finance for your business.

From HGV and lorry finance to specialist vehicle funding, we connect you with options that support growth, avoid wasted applications and keep your business moving.

Lorry finance

Fund HGVs and transport vehicles with structured payments, keeping your fleet reliable, your contracts moving and your cash flow protected.

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Tractor finance

Secure essential agricultural vehicles with funding that supports seasonal demands, daily operations and long-term farm productivity.

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Telehandler finance

Access funding for lifting equipment that keeps sites efficient, supports material handling and helps you deliver work without delays.

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Concrete mixer truck finance

Finance specialist mixing vehicles with manageable payments, helping you keep pours on schedule and projects running smoothly.

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Cherry picker finance

Spread the cost of access equipment, allowing you to work safely at height and complete jobs efficiently without holding back.

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Digger finance

Fund excavation equipment with structured payments, keeping your sites moving, your team productive and your projects on track.

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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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Construction vehicle finance without the cash flow strain.

Unreliable or outdated equipment doesn’t just slow progress, it affects deadlines, team efficiency and your ability to deliver consistently.

First Oak Capital helps you secure dependable construction vehicles without putting pressure on your cash flow. With funding built around your operation, you can upgrade your fleet, maintain productivity and keep your sites running as they should.

Instead of delaying essential investment, you can move forward with confidence, improve efficiency and protect the reputation your business is built on.

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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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Understanding the different types of construction vehicle finance.

Funding construction vehicles doesn’t need to be complicated. Finance is typically structured around the asset itself, not your property or a general-purpose loan.

Repayments are aligned with your project cycles and operating costs, keeping everything clear and manageable. You avoid a large upfront investment, protect working capital and allow the equipment to support your projects while 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.

Construction vehicle funding that supports confident investment.

Construction vehicle finance is built for businesses that rely on performance, reliability and control on site. The right funding keeps your equipment working while protecting cash flow and supporting steady growth.

First Oak Capital focuses on arranging finance that reflects how your business actually runs. We start by understanding your projects, the type of work you take on and how your equipment is used, then identify funding that fits in a practical, workable way.

Once your requirements are clear, suitable options are sourced from a broad lender network and explained in straightforward terms. You get transparent costs, structured repayments and guidance that allows you to move forward with clarity.

When you’re ready to expand or upgrade your fleet, the objective is simple. Secure the right funding, strengthen your capability on site and keep your projects moving without compromise.

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

Lorry & HGV 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.

Lorry finance allows transport and logistics businesses to purchase commercial trucks without paying the full cost upfront. The vehicle is funded over time through structured payments while the business continues operating.

Most commercial trucks can be financed, including rigid trucks, articulated lorries and specialist transport vehicles. These are commonly funded through vehicle finance alongside other transport solutions such as van finance.

Commercial vehicles represent a significant investment. Finance allows businesses to expand their fleet while preserving cash flow for fuel, staff and operational costs.

Yes. New logistics businesses sometimes secure funding through start up business loans or structured asset funding designed for commercial vehicles.

Yes. Many businesses finance several vehicles at once when expanding their fleet. In some cases this may be combined with broader asset finance solutions.

Yes. Many lenders are happy to fund used commercial trucks as long as the vehicle is suitable for business use and holds sufficient value.

Finance terms typically range from several years depending on the value of the truck and the repayment structure.

Absolutely. Funding allows transport businesses to respond to demand quickly by increasing fleet capacity without large upfront costs.

Yes. Businesses sometimes release capital tied up in vehicles through refinance loans to improve cash flow or reinvest into the company.

You can begin by completing the online application so the vehicle, funding requirement and suitable lenders can be identified.