It is our mission to provide your clients with tailored financial solutions that drive growth and success. We offer a variety of finance options based on a network of trusted banks and lenders, all of which are designed to meet their unique circumstances and needs.
To support your clients’ growth, First Oak Capital offers a variety of financial solutions. A vehicle or piece of equipment can be acquired quickly and efficiently through our Asset Finance options, while various business necessities can be addressed through our Business Loans.
Our core values of integrity, efficiency, and personalised service enable us to provide exceptional value, foster long-term relationships, and assist businesses to succeed.
Why Partner with Us?
We currently partner with a range of professional services including accountants, business coaches, commercial finance brokers and book keepers, to name a few.
For business advisors and their clients, we offer numerous benefits. Your clients will receive the lowest rates and fast, flexible financing when you partner with us.
Partner benefits include great referral commissions, dedicated support, and seamless client communications. Our team also understands that referring a client to a third party is a big decision and our priority is to protect your brand and reputation.
Whilst commercial considerations drive the short-term view of many brokers, at First Oak Capital we take the view that our long-term success is determined by fairness and sustainable business relationships.
Trust in our expertise and commitment to ethical standards, and join us to enhance your clients’ financial success.
ASSET FINANCE
Rates from 3.5%
Borrow £10k – £10m
12 – 84 month terms
VAT deferral available
Finance new or used equipment & vehicles
Finance Products Available
Asset Finance helps businesses acquire essential equipment without substantial upfront costs. By spreading the payments over an agreed period, clients can manage cash flow effectively while using the assets needed to grow their operations. This flexibility supports expansion and operational efficiency without financial strain.
Business Loans provide quick and flexible funding for various business needs, from expansion projects to working capital management. With competitive rates and tailored repayment terms, clients can secure the funds necessary to achieve their goals, driving growth and stability in their business operations.
Invoice Finance improves cash flow by allowing businesses to access funds tied up in unpaid invoices. By advancing a percentage of the invoice value, clients can maintain smooth operations and meet financial obligations without waiting for invoice payments, thus enhancing liquidity and financial stability.
A Revolving Credit Facility provides businesses with access to a flexible line of credit that they can draw from and repay as needed. This type of financing is beneficial for managing short-term working capital needs, handling unexpected expenses, and seizing growth opportunities, ensuring ongoing financial flexibility.
A Commercial Mortgage is designed for businesses looking to purchase or refinance commercial property. Offering competitive rates and long-term repayment options, this financing helps businesses invest in real estate, expanding their physical footprint and building long-term assets to support business growth and stability.
WHY FIRST OAK CAPITAL?
Helping Since 1994
Benefit from our 30 years of experience and expertise in commercial finance brokering
Competitive Industry Rates
Increase business growth and save money with highly competitive industry rates
Access Over 100 Lenders
Access to more than 100 lenders in the UK finance market
Funding Within 48 Hours
Once approved, funding can be provided in as little as 48 hours
Are your clients saying this to you?
- “We need new equipment but can’t afford the upfront costs.”
- “We have an opportunity to buy a competitor but need financing.”
- “Our cash flow is tight due to unpaid invoices.”
- “We want to invest in new technology but don’t have the budget.”
- “Should we lease or buy an electric car?”
- “Our current facility is too small; we need to move or expand.”
- “Our sales fluctuate, making it hard to manage expenses.”
- “We need to renovate our premises but lack the funds.”
- “We want to expand our marketing efforts but need funds.”
- “Our debt levels are high; we need to consolidate and restructure.”
- “We’re aiming to hire more staff but need additional capital.”
- “We have an opportunity to enter a new market but need funds to do so.”
- “We want to open a new location but need capital.”
- “Is a pickup truck still a tax-efficient company vehicle?”
GOVERNMENT BACKED LOANS
Rates from 5%
Borrow £10k – £2m
12 – 72 month terms
70% Guaranteed by Government
Fast Decisions
FAQs
We offer asset finance, business loans, invoice finance, commercial mortgages and merchant cash advances, tailored to meet the unique needs of your clients.
Typically, we require the latest published accounts, management information, recent bank statements, and relevant identification documents to process the application efficiently.
Yes, there are tax benefits to financing or leasing equipment but we’ll leave the tax advice to you!
No, we do not charge fees for our service. Lenders pay us a commission for introducing customers to them which is typically based on a very small percentage of the loan advance.
We offer funding solutions ranging from £10,000 to £5 million for limited companies, depending on the client’s needs and qualifications. For sole traders and partnerships, the minimum amount generally starts from £25,000.
Most vehicles can be financed if you know the right finance company to talk to. Typical examples are cars, vans, lorries, buses and coaches, tractors and just about anything else on wheels.
The time it takes to obtain financing or leasing for equipment can vary depending on the lender and the complexity of the application. It is important to work with a lender that can provide a quick and efficient process.
Commercial finance is a largely unregulated industry; however, First Oak Capital has chosen to be fully authorised and regulated by the FCA and support their “Treating Customers Fairly” initiative.
Your client will be evaluated based on their financial health, business performance, affordability, and what the new facility will mean to their future forecasts.
We provide financial solutions to a wide range of industries, including manufacturing, construction, engineering, retail, healthcare, agriculture, and more.
We provide feedback and guidance on steps they can take to improve their eligibility for future applications.
A company credit check will usually be carried out and with their permission, a director’s personal credit file will also be checked. This is dependent on the lender and will normally be a soft check in the first instance. We are always careful to keep your clients informed of these.
To get started, simply give us a call and our team will then guide you through the onboarding process and arrange an introducer agreement.
Have Questions? Let’s Talk.
Call us today to discuss how we can help your clients to grow and prosper. In addition, we would be happy to provide you with more information about a partnership your practice won’t regret.