Why Startup Business Loans Matter
You’ve got the idea. You’ve got the drive. What you might not have is the funding. That’s where our expertise in startup business loans come in.
Unlike standard business loans, startup loans are designed for companies with little or no trading history. This means you don’t need years of accounts. Instead, lenders look at your plan, your experience, and your vision. If you’ve got potential, you’ve got a shot.
But here’s the challenge—most lenders don’t make it easy. And many brokers won’t give you the time of day. We’re different.
We Pick Up The Phone
You read that right. At First Oak Capital, we speak to our clients. We’re not a chatbot. We’re not a faceless portal.
We are a broker who actually takes your ambition seriously. If you’re starting up, you deserve attention. And you’ll get it.
Many brokers won’t bother with startups. They see you as high risk. We see you as high potential. You’ll have questions. We’ll have answers. We’ll help you prepare an application that has a real chance of being approved.
Getting ignored stops here. Call us. Or complete the form on our site. Let’s get started.
What Can Startup Business Loans Be Used For?
Startup business loans can support just about every early-stage need:
- Buying stock or inventory
- Paying for equipment
- Hiring staff
- Building a website or brand
- Renting office or retail space
- Managing cashflow in your early months
And more. Whether it’s launching a new service, expanding your reach, or getting your operations off the ground, startup business loans can support your next step. If it helps you grow, it’s worth a conversation.
Types of Startup Business Loans We Can Help With
Different needs call for different funding options. We’ll help you choose the one that suits your goals.
1. Unsecured Business Loans
No assets? No problem. These loans are based on your credit and your plan. Quick to arrange and flexible.
2. Asset Finance
If you’re buying equipment, vehicles or machinery, asset finance lets you spread the cost. That protects your cash.
3. Merchant Cash Advance
Take payments by card? A merchant cash advance gives you upfront funding that you repay as you earn.
4. Revolving Credit Facility
Need ongoing access to funds? A revolving facility works like an overdraft. Use it when you need. Repay when you can.
5. Business Credit Cards
Easy to access. Easy to manage. Business credit cards give you day-to-day flexibility with extra purchase protection.
Common Hurdles for Startups – And How We Help
1. No Trading History
This puts off most lenders. We work with those who understand startups.
2. Low or No Revenue
We focus on potential. Not just past figures.
3. Poor Personal Credit
All is not lost. Some lenders look beyond your credit score.
4. No Assets for Security
Unsecured options exist. We’ll help you find them.
5. Confusing Process
We simplify every step. We explain everything clearly. We don’t leave you guessing. From the first call to the final decision, we stay with you. We’ll check in, chase up lenders, and answer your questions along the way. You’re not on your own.
Understanding What Lenders Look For
Even when you’re just starting out, lenders still need to see that your business makes sense. That’s where preparation matters.
Here’s what most lenders want to know:
- Do you have a clear, realistic business plan?
- Have you thought through your cashflow and expenses?
- Is your product or service filling a real demand?
- Do you have relevant experience in your industry?
- Are you personally invested and committed?
We’ll help you build a profile that answers all of those questions clearly. It’s not just about ticking boxes. It’s about building trust. We know how to present your story in a way that gives you the best possible shot at success.
What Makes First Oak Capital Different?
We’re not a call centre. We’re not an automated chatbot. We’re real people who care about helping UK businesses succeed — whether you’re just getting started or scaling up.
Here’s how we’re different:
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We understand the pressures and unpredictability business owners face
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We speak in plain English — no jargon, no fluff
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We move fast when timing matters most
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We offer honest advice based on real experience, not sales scripts
Most importantly, we don’t stop at “computer says no.”
If you’re turned down by a lender, we’ll tell you why — and what to do next. Often, there’s another lender or a better-fit product we can pivot to straight away.
As proud supporters of the National Association of Commercial Finance Brokers (NACFB), we uphold the highest standards in transparency, ethics, and client care — so you know you’re working with professionals who genuinely have your back.
You focus on your business. We’ll take care of the finance.
Ready to borrow smarter?
Click here to apply now or speak to one of our friendly brokers today.
Q: Can I get a loan if my business is new?
A: Yes. We work with lenders who specialise in start-ups. They look at your plans, not just your past.
Q: I’ve been declined elsewhere. Can you still help?
A: Most likely, yes. Declines happen for all sorts of reasons. We’ll figure out what went wrong and find another route.
Q: How long does it take to get a loan?
A: Some deals complete within 24–48 hours. Others can take a week or two depending on complexity. We move as fast as the lender allows.
Q: Is there a cost for using a broker?
A: No, we’re paid by the lender — not you. You get our support and expertise without added cost.
Q: Will using a broker hurt my credit score?
A: No. We only do soft searches unless you’re ready to apply. We’ll always check with you first.
Q: Can you help if I’m a sole trader?
A: Yes. We work with businesses of all sizes and setups, including sole traders.
Q: Do I need to offer security?
A: It depends on the loan type. Some are unsecured, others may need a guarantee or asset backing. We’ll explain everything clearly.
