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.
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.
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.
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.
Some business decisions are about the future, not just the next few months. Expanding operations, investing in infrastructure or strengthening your company takes funding that is built for the long term.
A long term business loan provides stable capital and predictable repayments, giving you the confidence to plan ahead and invest in meaningful progress.
We can give you better terms and funding that works in your favour.
We partner with large panel of lenders, giving you more choice, stronger terms and funding that works in your favour.
We take the time to understand how your business works, then structure funding around what you actually need.
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.
Secure structured funding to support business purchases or buyouts, helping you complete acquisitions and position for long term growth.
Access short term funding to bridge a financial gap, providing fast capital while you secure longer term finance or complete a transaction.
Restructure existing borrowing to improve cash flow, consolidate liabilities or secure more suitable terms aligned to your current needs.
Spread the cost of equipment or machinery over time, preserving cash flow while investing in essential business assets.
Release cash tied up in unpaid invoices, improve liquidity and maintain steady working capital to support ongoing operations.
Fund cars, vans or commercial vehicles through structured payments, protecting working capital while supporting daily operations.
Long term finance is designed for businesses making meaningful, strategic moves. Instead of short term fixes, you get funding that supports sustained growth and stability.
Whether you’re expanding premises, investing in major equipment or scaling operations, First Oak Capital structures finance so costs are spread sensibly and cash flow stays protected.
We take the time to understand what you’re trying to achieve and arrange funding that fits around it. Everything is clear from the start, with transparent costs and repayments you can plan around.
Tell us a little about you, your business and what you are looking to fund.
A dedicated specialist takes time to understand your objectives and financial position. We then collect any other information needed to move forward.
We search our lending panel, manage the application process, and present suitable offers for you to consider, with no pressure to proceed.
After approval, funds are transferred to your business account or paid directly to a supplier, so you can move ahead without delay.
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.
Decades of real-world experience means you get guidance you can rely on, not guesswork.
Finance structured to support your growth, while keeping costs under control and predictable.
A wide panel of lenders gives you more choice, better terms and funding tailored to your business.
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.
Long term loans provide structured funding that is repaid over a longer period, helping businesses manage repayments comfortably while investing in growth.
Businesses often use long term loans for expansion, equipment purchases, premises improvements or strategic investment.
Long term loans spread repayments over a longer period, while short term loans are designed to be repaid more quickly.
Yes. Businesses often use long term funding when investing in projects that deliver value over several years.
Yes. Businesses frequently combine long term funding with asset finance, equipment finance or vehicle finance when investing in assets.
Yes. Longer repayment terms can help reduce pressure on monthly cash flow and create greater financial predictability.
Yes. Businesses sometimes replace short term borrowing through refinance loans to create a more sustainable repayment structure.
They can be structured as either secured business loans or unsecured business loans depending on the lender and borrowing requirements.
Yes. Businesses often use them when funding major equipment purchases, expansion projects or infrastructure improvements.
You can begin by completing the online application so your funding needs can be assessed.
