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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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Business loans designed for medium sized companies.

Medium sized businesses are built on scale and structure. Whether you are opening new locations, investing in systems or strengthening your operational capacity, access to the right funding at the right time supports controlled, sustainable growth.

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Move at the speed your business demands.

We give you the confidence to invest in your next stage, supporting expansion, hiring and development without putting pressure on your day to day operations.

Funding in as little as 24 hours

Move quickly when it matters, with fast approvals and funds often in your account within a day.

Stronger terms for growing businesses

Access competitive rates and terms designed to support your cash flow, making it easier to scale without unnecessary financial strain.

Access to 100+ UK lenders

A wide panel of lenders gives you more choice, better terms and funding tailored to your business.

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Find the right type of finance for your business.

From business loans to asset finance, we connect you with funding that supports growth, reduces wasted applications and keeps you focused on running your business.

Merchant loan icon for retail and hospitality businesses

Merchant Loans

Access funding linked to your card sales, with repayments that flex alongside your revenue to support cash flow and ongoing growth.

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Cashflow finance icon for business working capital solutions

Cashflow funding

Unlock flexible funding to manage short term cash flow gaps, cover operating costs and keep your business trading smoothly.

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Invoice finance icon for UK businesses managing unpaid invoices

Invoice finance

Release cash tied up in unpaid invoices, improve liquidity and maintain steady working capital to support ongoing operations.

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Asset finance icon for equipment and machinery funding

Asset finance

Spread the cost of equipment or machinery over time, preserving cash flow while investing in essential business assets.

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VAT loan icon for businesses managing HMRC VAT obligations

VAT loans

Spread VAT payments into manageable instalments, easing cash flow pressure and helping your business plan with certainty.

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Vehicle finance icon for business van and commercial vehicle funding

Vehicle finance

Fund cars, vans or commercial vehicles through structured payments, protecting working capital while supporting daily operations.

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Funding built for businesses ready to grow.

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

We only arrange bespoke funding options

We take the time to understand how your business works, then structure funding around what you actually need.

We manage the entire process

We partner with large panel of lenders, giving you more choice, stronger terms and funding that works in your favour.

We can help with all types of credit scores

We can help get your business the funding it needs, no matter what your credit score might be.

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UK business owner accessing flexible business finance
Business owner reviewing fast business loan approval process

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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Guy Prince, First Oak Capital business finance specialist

We're here to help if you need us

Contact our UK-based team if you have any questions

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Funding to take your business to the next level.

As your business grows, there comes a point where you need more capital to keep moving forward.

First Oak Capital helps you access funding that fits what you’re trying to do, whether that’s investing in operations, upgrading equipment or expanding your infrastructure. It’s shaped around your business, not forced into a rigid structure.

You get clear terms, manageable repayments and the confidence to take the next step without second guessing it.

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Small business owner accessing cashflow finance to cover expenses
Electric car – business electric car finance through a company

Move at the speed your business demands.

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

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.

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FAQ

Commonly asked questions.

Frequently asked questions about UK business finance

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.

Medium business loans are designed for established businesses that need funding to support growth, investment or improved financial stability. They often suit companies that require more capital than a smaller facility can provide.

They can be used for expansion, equipment purchases, recruitment, premises improvements or strengthening working capital.

Medium business loans are generally structured for businesses with greater borrowing needs, more complex operations or stronger trading history than those seeking small business loans.

Yes. Many growing businesses use this type of funding to increase capacity, open new locations or invest in systems and infrastructure.

Yes. Businesses often combine them with asset finance, equipment finance or vehicle finance when funding both operations and physical assets.

Yes. Businesses sometimes use this funding to improve resilience, especially when growth creates pressure on working capital. This can also work alongside invoice finance or revolving credit facilities.

Yes. Some businesses move existing borrowing into a new facility through refinance loans to simplify repayments or access more capital.

They can be either, depending on the lender, the borrowing amount and the financial position of the business. Some companies may consider secured business loans or unsecured business loans depending on their circumstances.

Timelines vary depending on the complexity of the application, but many lenders can move quickly once the relevant financial information has been provided.

You can begin by completing the online application so your funding needs can be assessed.