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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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Startup business loans to help you get off the ground.

Start ups are built on vision, ambition and momentum. Turning an idea into a sustainable business often requires early investment in equipment, marketing, premises or people before revenue is fully established.

A start up loan provides accessible capital to help you launch with confidence. With structured, manageable repayments, you can focus on building traction, attracting customers and laying strong foundations for long term growth.

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Funding built around your purchasing needs.

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

Better rates than high street banks

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

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 only arrange bespoke funding options

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

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Funding that build to support new businesses.

We work with lenders who understand early stage businesses, focusing on where you’re going, not just where you are today. We take the time to understand your plans, your experience and your goals, then connect you with funding that supports your next steps.

Everything is kept clear and straightforward, so you know exactly what to expect. The result is simple. You get the backing you need to move forward with confidence and turn your plans into a growing, successful business.

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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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Funding built around your purchasing needs.

First Oak Capital helps you act at the right moment with funding built around your business. Secure the stock you need, negotiate stronger purchasing terms and pay suppliers on time, without putting unnecessary strain on your cash flow.

With the right support in place, you stay ahead of demand, keep operations running smoothly and focus on growth, not firefighting.

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We make startup funding straightforward.

Starting a business is exciting, but it can also feel overwhelming. There is a lot to think about, a lot to organise and plenty of decisions that carry real weight. The last thing you need is a confusing or stressful finance process standing in your way.

That is why startup funding is handled in a way that feels clear, supportive and manageable. From your first conversation, the focus is on understanding your vision, your plans and what you need to bring your idea to life. The application is managed for you from start to finish, with honest communication and practical guidance at every stage.

Your initial enquiry is completely obligation free and will not affect your credit profile. Once approved, funding can often be arranged quickly, giving you the ability to move forward and start building momentum without unnecessary delays.

The aim is simple. Remove the barriers around funding, reduce the pressure that comes with getting started and help you secure the right startup loan so your business begins with confidence and clarity.

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

Start up business loan 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 far clearer.

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

A start up business loan provides funding to help new businesses cover early costs such as equipment, vehicles, stock and operational expenses while the company begins trading.

Funding can be used for many early business expenses including equipment, vehicles or premises costs. Some businesses also use funding alongside asset finance or vehicle finance when purchasing equipment or commercial vehicles.

Yes. While lenders may assess the business plan and financial projections carefully, many new companies still secure funding through start up finance structures.

The amount available depends on factors such as the business model, financial projections and the purpose of the funding.

Yes. Many new companies combine start up loans with equipment finance or machinery finance when investing in assets needed to operate.

Yes. New businesses often purchase their first commercial vehicles through vehicle finance or van finance.

Timelines vary depending on the lender and the complexity of the application, but many funding solutions can move quickly once the necessary information is provided.

Yes. Some businesses combine start up funding with facilities such as cashflow loans to ensure working capital remains available during the early stages of trading.

While primarily designed for new businesses, some companies in early trading stages may still qualify depending on their circumstances.

You can begin by completing the online application so the funding requirements of your business can be assessed.