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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.

Apply online

Quick business loans to keep your business growing.

Opportunities and challenges don’t wait. Whether it’s covering short-term costs, securing stock or managing a gap in cash flow, access to funding at the right time makes all the difference.

Quick business loans give you fast access to capital without long delays or complicated processes. Instead of waiting on traditional lending, you can move forward with funding that supports immediate decisions and keeps your business on track.

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Business funding built for speed and flexibility.

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

Funding in as little as 24 hours

Secure the capital you need quickly, so you can act when opportunities arise or pressures need to be managed.

Better rates than high street banks

We can give you better terms and funding that works in your favour.

Flexible repayment structures

Loans are tailored around your cash flow, helping you manage repayments without disrupting day-to-day operations.

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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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Built around you, not the lender.

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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Start-up business owner applying for new company finance


 
Small business owner checking eligibility for a start-up business loan

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

Contact Us

We help business of all sizes unlock finance for their next phase of growth.

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.

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Startup loans

Funding to help new businesses get established and grow.

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Small business

Finance to support day-to-day needs and steady growth.

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Established businesses

Structured finance to support larger, long-term plans.

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UK business finance broker consultation and funding advice

Funding shaped around your business.

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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Quick business loans built for short-term impact and long-term stability.

Accessing funding quickly is important, but it also needs to be structured in a way that supports your business beyond the immediate need.

First Oak Capital takes the time to understand your situation, what the funding is for and how it fits into your wider plans. Suitable options are then sourced and presented clearly, with transparent costs and repayment structures that are realistic and manageable.

Whether you are solving a short-term challenge or taking advantage of an opportunity, the aim is to provide funding that works now and continues to support your business as you move forward.

When you need to act quickly, the objective is simple. Secure the right funding, maintain control and keep your business progressing with confidence.

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.

Quick business loans provide fast access to capital without long delays or complicated processes, allowing you to make immediate decisions and keep your business on track.

You can secure funding in as little as 24 hours, enabling you to act promptly when opportunities arise or when financial pressures need to be managed.

Quick business loans can provide better terms and funding options tailored to work in your favor, offering competitive rates compared to traditional lending sources like high street banks.

Quick business loans offer flexible repayment structures that are customized around your cash flow, making it easier for you to manage repayments without disrupting your day-to-day business operations.

From business loans to asset finance, we connect you with funding options that support growth, reduce wasted applications, and allow you to focus on running your business efficiently.

Merchant loans provide access to funding linked to your card sales, with repayments that adjust alongside your revenue to support cash flow and ongoing business growth.

Cashflow funding offers flexible financing to manage short-term cash flow gaps, cover operating costs, and ensure smooth business operations are maintained.

Asset finance allows you to spread the cost of equipment or machinery over time, preserving cash flow while investing in essential business assets to support operations.