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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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Vehicle finance so your business never slows down.

Reliable vehicles are essential to day to day operations. Whether you are expanding your fleet, replacing ageing vehicles or upgrading to improve efficiency, transport often sits at the centre of your business.

Vehicle finance allows you to invest in the vehicles you need without tying up working capital. Instead of delaying upgrades, you spread the cost in a way that keeps your business moving.

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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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Find the right vehicle finance for your business.

Vehicle finance helps you invest in the transport your business depends on while keeping cash flow stable and predictable.

Car finance

Fund company cars for directors or staff, supporting everyday travel while maintaining reliable and professional operations.

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Van finance

Acquire or upgrade vans to manage daily jobs, deliveries and site visits without affecting working capital stability.

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Horsebox finance

Invest in safe and dependable horse transport for competitions, training and events with structured manageable repayments.

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Lorry & HGV finance

Expand haulage capacity or replace ageing vehicles to keep logistics efficient, compliant and commercially dependable.

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Minibus finance

Support passenger transport services with vehicles suited to regular use while keeping finances controlled and predictable.

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Agricultural vehicle finance

Finance tractors and specialist farm vehicles to maintain productivity during seasonal work and demanding operations.

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Funding built around your fleet requirements.

Vehicle finance is designed to match funding with how your vehicles are used and the value they generate. The goal is simple. Help you acquire the right vehicles while protecting cash flow.

Whether you need a single company vehicle or multiple fleet additions, funding is structured around operational needs and expected usage.

Once we understand your requirements, suitable options are sourced from a wide lender network and explained in clear, practical terms. You see the full costs, repayment structure and timelines upfront, allowing you to plan with confidence.

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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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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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Understanding the different types of vehicle finance.

Funding a vehicle does not have to be complicated. Unlike a general loan, vehicle finance is typically secured against the vehicle itself, not your property.

Repayments are structured around how the vehicle supports your business, making costs clear from the outset and allowing the asset to generate income while you pay for it.

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You pay fixed monthly instalments over an agreed term and automatically own the vehicle once the final payment is made.

Benefits
Clear ownership, fixed costs and long term security for businesses that plan to keep vehicles.

You use the vehicle for most of its working life and settle a small remaining value at the end or upgrade.

Benefits
Lower monthly payments and flexibility to refresh vehicles as your business evolves.

You pay to use the vehicle for a fixed period and return it at the end of the agreement.

Benefits
Predictable budgeting with no ownership risk or resale concerns.

Funding is released against vehicles you already own while you continue using them as normal.

Benefits
Unlocks cash tied up in assets without interrupting operations.

Monthly payments are reduced with a larger optional final payment if you want to keep the vehicle.

Benefits
Improves monthly cash flow while keeping ownership flexible.

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

Commercial vehicle finance 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.

Vehicle finance allows businesses to purchase commercial vehicles without paying the full cost upfront. The vehicle is funded over time through structured repayments.

Many commercial vehicles can be financed including cars, vans and trucks. Businesses often explore options such as van finance or lorry finance depending on their fleet requirements.

Commercial vehicles are essential for many businesses, and finance allows companies to expand or upgrade their fleet while protecting working capital.

Yes. Many businesses use vehicle finance to add multiple vehicles as their operations expand.

Yes. Transport companies frequently use lorry finance when expanding their fleet.

Yes. Farming businesses often fund tractors and specialist vehicles through agricultural vehicle finance.

Yes. By spreading the cost of vehicles over time, businesses can preserve capital for operational expenses.

Yes. Many lenders will finance used vehicles if they hold appropriate value and are suitable for commercial use.

Yes. Businesses sometimes release capital tied up in vehicles through refinance loans.

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