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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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Refurbishment business loans to bring your ideas to life.

Upgrading your workspace is an investment in your business. Whether you are renovating premises, refreshing interiors or preparing for expansion, refurbishment often comes with significant upfront costs.

A refurbishment business loan gives you the funding to move ahead without delay, helping you transform your space while keeping day to day finances stable.

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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 supports your refurbishment plans.

Refurbishing your space is an investment in how your business performs, how customers experience you and how your team works every day.

First Oak Capital helps you move forward with confidence, providing refurbishment finance that fits your timeline and budget. Whether you’re renovating, upgrading or modernising, we structure funding so you can improve your space without putting pressure on your cash flow.

The result is simple. You can deliver your project, enhance your environment and strengthen your business without delay or compromise.

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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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Refurbish without the financial strain.

Refurbishment projects are about creating a space that supports growth, without disrupting your day to day operations.

First Oak Capital helps you move forward with funding built around your plans. Whether you’re modernising, expanding or improving customer areas, we structure finance so you can upgrade your space without stretching your cash flow.

We take the time to understand your project and provide clear, practical funding that fits your timeline and budget. The result is simple. You secure the right finance, deliver your project and create an environment that drives your business forward.

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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

Refurbishment 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.

Refurbishment loans provide funding for businesses that need to renovate, improve or upgrade commercial premises or investment properties.

They can fund improvements such as structural upgrades, interior renovations, equipment installation or property modernisation.

Yes. Businesses sometimes use refurbishment funding alongside bridging loans when preparing properties for resale or rental.

Yes. Many companies renovate or expand premises to increase capacity and support business growth.

Yes. Businesses often use refurbishment funding to upgrade offices, retail units or industrial spaces.

Yes. Some refurbishment projects are funded through short term business loans depending on the project timeline.

Yes. Businesses sometimes combine refurbishment funding with business loans when larger projects require additional capital.

Yes. Property often provides security for refurbishment funding depending on the lender and project.

Terms vary depending on the project scope, funding structure and repayment plan.

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