Best Business Loans

Find the Best Business Loans for Your Growth

When it comes to securing funding, not all loans are created equal. Many lenders push businesses toward the easiest option, rather than the right one. At First Oak Capital, we take a different approach.

We don’t just submit an application and hope for the best. Instead, we take the time to understand your business, your goals, and your financial position. Then, we match you with the best business loan options—ones that truly support your growth.

The result? A smarter, more strategic way to fund your business.

Why the Best Business Loans Are Tailored to You

The right business loan isn’t just about getting approved. It’s about finding a loan that:

✔ Supports your business objectives.
✔ Has repayment terms that fit your cash flow.
✔ Offers competitive rates without unnecessary fees.

Many brokers simply apply for the first loan they can find. We don’t do that. Instead, we work with a wide range of lenders, meaning we can shop around for the best deal—one that actually benefits your business.

Types of Business Loans Available

Every business has different needs. That’s why there are different types of business loans available. Here’s a breakdown:

1️⃣ Unsecured Business Loans

• No need to provide assets as collateral.
• Ideal for businesses with strong financials.
• Quick approval process.

2️⃣ Secured Business Loans

• Backed by property, equipment, or other assets.
• Lower interest rates due to reduced lender risk.
• Best for businesses needing larger funding amounts.

3️⃣ Asset Finance

• Helps you buy essential equipment or vehicles.
• Keeps cash flow intact by spreading payments.
• Some options allow VAT deferral to ease upfront costs.

4️⃣ Invoice Finance

• Unlocks cash tied up in unpaid invoices.
• A great solution for businesses with long payment cycles.
• Helps maintain steady cash flow.

5️⃣ Working Capital Loans

• Covers short-term operational expenses.
• Helps businesses manage seasonal fluctuations.
• Flexible terms based on your business performance.

6️⃣ Business Acquisition Loans

• Provides funding to buy another business.
• Ideal for expanding through acquisition.
• Custom financing structures available.

No matter your industry or financial situation, we can help you find the best business loan for your specific needs.

How We Secure the Best Business Loans for You

Most brokers take a one-size-fits-all approach. We don’t. Here’s what makes us different:

1️⃣ We Take the Time to Understand Your Business

Lenders want confidence in your business before they approve a loan. We make sure they get the full picture. Instead of just submitting an application, we:

• Learn about your financials, cash flow, and future plans.
• Understand your growth strategy and funding needs.
• Build a strong case that improves your approval chances.

2️⃣ We Work With a Wide Range of Lenders

Not all lenders offer the same terms. Because we work with multiple lenders, we can compare deals to find the best one. This means you get:

• Lower interest rates.
• Flexible repayment terms.
• Loans tailored to your situaion, not just what’s easiest to approve.

3️⃣ We Negotiate on Your Behalf

Many business owners don’t realize that loan terms can be negotiated. Because we know the market, we can:

• Push for better terms based on your business profile.
• Help secure funding, even if you’ve been rejected elsewhere.
• Find creative financing solutions when standard loans aren’t the best fit.

Who Can Get a Business Loan?

Most businesses can qualify for a loan, but approval depends on several factors:

✔ Business trading history (new startups can still qualify).
✔ Credit profile (but options exist even with bad credit).
✔ Turnover and profitability.
✔ Whether you have assets to secure the loan (for secured loans).

Even if you’ve been turned down before, we may still be able to help.

How to Apply for the Best Business Loan

Getting started is simple:

1️⃣ Contact Us – Tell us about your business and funding needs.
2️⃣ We Assess Your Options – We compare loans from multiple lenders.
3️⃣ We Present Your Best Choices – You choose the option that works best.
4️⃣ Submit & Secure Funding – We handle the paperwork and work to get you approved quickly.

Our goal is to make the process as easy as possible while securing the best loan for your business.

How to Reduce Your Corporation Tax Bill

Want to pay less tax legally? Here are some strategies:

1️⃣ Claim Allowable Expenses

Only taxable profits are taxed. Deducting legitimate business expenses lowers your tax bill.

These include:

• Staff wages
• Office rent
•  Business travel
• Equipment costs

2️⃣ Take Advantage of Capital Allowances

Purchasing business assets? You might qualify for the Annual Investment Allowance (AIA), which lets you deduct the full cost of qualifying purchases (like machinery, vehicles, and IT equipment).

3️⃣ Use R&D Tax Credits

If your business innovates or develops new products, you could claim Research & Development (R&D) tax relief, reducing your tax bill significantly.

4️⃣ Pay into a Pension

Contributions to a director’s pension count as a business expense, reducing taxable profits.

💡 Talk to an accountant to ensure you’re maximizing deductions legally.

Get Started With the Best Business Loan Today

Your business deserves more than just a standard loan application—it deserves a strategic funding solution. At First Oak Capital, we take the time to understand your business, find the best lenders, and negotiate the best deal.

Why Work With Us?

• Fast approvals – Secure funding in time to meet your tax deadline.
• Flexible repayment terms – Spread payments over three to twelve months to fit your budget.
• Competitive rates – Access cost-effective financing without tying up working capital.
• No disruption to business operations – Pay your tax bill on time while keeping cash available for essential expenses.

🚀 Ready to secure the right funding for your business? Contact us today!