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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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Merchant loans that keep your business trading smoothly.

Running a customer facing business means balancing daily expenses with fluctuating sales. When costs appear or opportunities arise, you need funding that moves at the same pace as your business.

A merchant loan provides fast access to capital with repayments linked to your card sales, helping you invest, manage cash flow and keep operations running without added strain.

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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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Merchant funding built around your buiness.

Merchant finance should work with your business, not against it. Instead of fixed repayments, funding is linked to your card sales, so what you repay naturally adjusts with how you trade.

First Oak Capital structures funding around your revenue, giving you the flexibility to manage short term pressure, invest in growth or smooth out cash flow without added strain.

With access to a wide panel of lenders, we move quickly to find the right solution and explain everything clearly. You see the costs, repayment structure and timelines upfront, so you can move forward with confidence and stay in control.

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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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Finance that works with your cash flow, not against it.

Merchant finance should adapt to your business, not restrict it. Instead of fixed repayments, funding is linked to your card sales, so what you repay naturally rises and falls with your trading.

First Oak Capital structures funding around how your business earns, giving you the flexibility to manage short term pressure, invest in improvements and keep cash flow steady without unnecessary strain.

Everything is built to be simple and transparent, so you always know where you stand. Clear terms, manageable repayments and funding that moves with your business, giving you the confidence to focus on growth.

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Flexible merchant funding to keep your business move forward.

Merchant loans are built for businesses that trade every day and need funding that keeps pace with real sales. When opportunities appear or pressure builds, access to flexible capital restores momentum and keeps your business moving.

Whether you are investing in improvements, managing cash flow or preparing for busy trading periods, merchant finance removes barriers and gives you room to act.

First Oak Capital focuses on arranging merchant funding that works around how your business earns.

The process begins with understanding your trading patterns and how sales-linked funding can support your priorities in a practical, manageable way.

Once your needs are clear, suitable options are sourced from a wide lender network and explained in straightforward terms. You receive transparent costs, flexible repayment structures and guidance that helps you move forward with confidence.

When you are ready to invest in your business, the objective is simple. Secure the right merchant funding quickly and give your operations the breathing space they need to grow.

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

Merchant loans 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.

Merchant loans provide funding to businesses that accept card payments, with repayments often linked to daily or weekly sales.

Repayments are typically taken as a percentage of card transactions, allowing the repayment amount to move with business performance.

Merchant funding can provide quick access to capital while offering a flexible repayment structure tied to revenue.

Yes. Businesses that process a high volume of card payments often use merchant loans to support growth or manage short term expenses.

Yes. Businesses often use merchant funding to invest in marketing, equipment or operational improvements.

Unlike standard business loans, merchant loans are often repaid through a percentage of daily sales rather than fixed monthly payments.

Yes. Businesses sometimes combine merchant funding with cashflow loans to maintain working capital.

Yes. Many smaller businesses find merchant loans attractive because repayments adjust with sales.

Yes. Businesses sometimes combine merchant funding with revolving credit facilities or short term loans.

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