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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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Taxi finance that keeps you earning.

For taxi drivers and private hire operators, your vehicle is your business. Reliability, comfort and presentation all play a role in how often you work and how customers perceive your service.

Taxi finance allows you to secure the right vehicle without committing a large upfront cost. Instead of tying up your cash, payments are spread into manageable amounts that align with your earnings.

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Taxi funding built around how you operate.

Every driver works differently, and your finance should reflect that.

Access specialist taxi finance

Secure funding designed for licensed vehicles, with structures that support high-mileage use and daily operation.

A clear, managed process

From application through to approval, everything is handled simply and efficiently so you can stay focused on the road.

Finance tailored to your work

Whether you are full-time, part-time or expanding a fleet, funding is structured around how you earn.

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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 right vehicle without restricting your income.

Your vehicle should help you maximise earnings, not create financial pressure.

First Oak Capital helps you secure a reliable, professional taxi with funding that keeps your cash flow stable. Whether you plan to upgrade regularly or keep the vehicle long term, repayments are structured to remain predictable.

The result is simple. You get a vehicle that supports your work, with funding that keeps you in control.

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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, practical funding for working vehicles.

Taxi finance is typically secured against the vehicle itself, keeping the process straightforward. There is no need to rely on wider borrowing or risk additional assets.

Payments are aligned with your income, helping you avoid large upfront costs while maintaining steady cash flow. As your vehicle generates revenue, 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.

Stay on the road and keep earning.

An unreliable or unsuitable vehicle can quickly impact your income. Downtime means missed fares, reduced earnings and unnecessary stress.

First Oak Capital helps you access dependable vehicles with funding that fits around your business. With the right car in place, you can work consistently, maintain standards and keep your income steady.

Instead of being held back, you can focus on staying on the road and earning.

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Taxi finance built for long-term stability.

Choosing the right vehicle is only part of the decision, the funding behind it needs to support your business over time. The right structure allows you to plan ahead, manage costs and maintain consistent earnings.

First Oak Capital takes the time to understand how you operate, your income patterns and what you need from your vehicle. From there, suitable finance options are sourced and presented clearly, with transparent costs and practical repayment structures.

Whether you are upgrading, replacing or adding vehicles, the aim is to ensure your funding continues to support your work as it evolves.

When you are ready to move forward, the objective is simple. Secure the right vehicle, put the right funding in place and keep your business running with confidence.

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

Taxi 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.

Taxi finance allows taxi drivers and private hire operators to secure the right vehicle without a large upfront cost. Payments are spread into manageable amounts that align with your earnings, helping you keep your cash flow stable.

Taxi funding is designed around how each driver operates. It is structured for licensed vehicles, supports high-mileage use, and daily operation to ensure it meets the specific needs of each driver.

The application process for taxi finance is simple and efficient, from application through to approval. This allows you to stay focused on the road while everything is handled smoothly.

Whether you are a full-time driver, part-time driver, or expanding your fleet, taxi finance is tailored to how you earn. This ensures that the funding aligns with your work pattern and income.

Taxi finance helps you get the right vehicle without restricting your income. It ensures that repayments are structured to remain predictable, allowing you to have a vehicle that supports your work while keeping your cash flow stable.

With Hire Purchase (HP), you pay fixed monthly instalments over an agreed term and automatically own the vehicle once the final payment is made. This provides clear ownership, fixed costs, and long-term security for businesses that plan to keep vehicles.

Taxi drivers have financing options like Hire Purchase (HP) and Finance Lease available. These options help in securing the right vehicle without a large upfront cost, providing flexibility and stability in cash flow.

You can check your eligibility for taxi finance without affecting your credit score. It only takes a few moments to explore the funding options available to your business, with no obligation. Our team will be ready to guide you through the process.