Business loans for every situation.

Q: How do I apply for business finance?

The easiest way to begin is by completing the online application form. This allows us to understand your requirements quickly and start identifying suitable funding options.

A business loan arranged through First Oak Capital can provide the financial strength your company needs to move forward with clarity and confidence.

Whether you are investing in new equipment, expanding your team, increasing stock levels, strengthening working capital or pursuing larger growth opportunities, the right funding structure gives you the flexibility and stability to take decisive action and progress on your terms.

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.

Funding in as little as 24 hours

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

Better rates than high street banks

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

Access to 100+ UK lenders

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

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.

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.

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.

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.

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.

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.

Funding that gives you the confidence to move forward.

When you’re running a business, timing matters. Opportunities don’t wait, and neither do challenges. Whether it’s taking on new work, managing cash flow, or investing in growth, having access to the right funding at the right moment can make all the difference.

That’s why businesses choose First Oak Capital. Not just for access to finance, but for clarity, speed and confidence in every decision.

What sets First Oak apart is the way they support you through the process. You’re not left navigating complex terms or chasing updates. You have clear guidance, straight answers and a team that understands what’s at stake.

From first conversation to funding in place, everything is handled with purpose and precision. The result is simple. Better options, stronger terms, and funding you can rely on when it matters most.

FAQ

Commonly asked questions.

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 far clearer.

If you have any specific question please contact us or call 0800 066 3677.

What types of business finance can you help arrange?

We help businesses secure a wide range of funding solutions depending on their needs. This may include structured funding such as business loans, asset backed solutions like asset finance, or specialist funding designed to support working capital and growth such as invoice finance and revolving credit facilities.

How quickly can businesses access funding?

In many cases funding can be arranged faster than business owners expect. Some facilities such as short term loans or cashflow loans can often move quickly once the right lender is identified, while more complex funding such as acquisition finance may take longer.

What makes your approach to business finance different?

We focus on understanding the pressures, ambitions and structure of your business before recommending funding. This allows us to identify whether solutions such as secured business loans, unsecured business loans or asset finance will genuinely support your plans.

Can finance help businesses grow rather than just survive?

Absolutely. Many businesses use finance to accelerate growth, invest in equipment or expand capacity. Funding such as machinery finance or equipment finance allows companies to invest in productivity without draining working capital.

Do you work with specific industries?

We work with businesses across many sectors including construction, agriculture, logistics and professional services. Industry specific funding such as lorry finance and agricultural vehicle finance is often used to support operational growth.

Can new businesses apply for funding?

Yes. Businesses that are just getting started can often access start up business loans to help cover initial costs such as equipment, vehicles or early operational investment.

Can finance help with short term financial pressure?

Yes. Businesses experiencing temporary pressure often use targeted finance solutions to stabilise their finances and regain breathing space. These can include short term loans, VAT loans or tax loans.

What if my business already has existing finance?

Many businesses approach us to restructure or improve their current borrowing. A refinance loan can sometimes reduce pressure on cash flow or consolidate multiple facilities into something more manageable.

How do I know which type of funding is right for my business?

Every business is different. Some companies benefit from predictable structured funding such as long term loans, while others need flexibility from facilities such as revolving credit facilities or invoice finance.

How do I apply for business finance?

The easiest way to begin is by completing the online application form. This allows us to understand your requirements quickly and start identifying suitable funding options.

Business finance

Business needs

Commercial vehicle finance

About us

Business loans for every situation.

Move at the speed your business demands.

Funding in as little as 24 hours

Better rates than high street banks

Access to 100+ UK lenders

Find the right type of finance for your business.

Move at the speed your business demands.

We only arrange bespoke funding options

We manage the entire process

We can help with all types of credit scores

Check your eligibility, without affecting your credit score.

Apply for funding

Application review

Funding options

Funds sent

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

Move at the speed your business demands.

Trusted since 1994

Competitive rates that work for you

Funding that gives you the confidence to move forward.

Commonly asked questions.

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