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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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Lorry and HGV finance built around how your transport operation runs.

Whether you operate a single truck or manage a growing fleet, your vehicles are the backbone of your revenue.

The right finance should reflect the realities of haulage, delivery schedules and contract commitments, giving you the confidence to invest in the vehicles that keep your business moving.

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Keep your transport operations growing.

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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HGV finance built around your operation.

Your fleet is the backbone of your operation. When your vehicles are right, everything runs smoothly. When they’re not, it impacts delivery, contracts and revenue.

First Oak Capital helps you secure the lorries and HGVs your business depends on, with funding built around how your fleet actually operates. Whether you’re expanding, upgrading or replacing vehicles, we structure finance so repayments stay predictable and aligned with your income.

The result is simple. You keep dependable vehicles on the road, protect your cash flow and maintain the capacity to take on more work, without financial strain holding you back.

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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 HGV finance.

Funding a lorry or HGV does not need to be complicated. Heavy vehicle finance is structured around the truck itself, not your property or a general purpose loan.

Repayments are aligned to your operating costs and contract income, keeping everything predictable. You avoid a significant upfront outlay, protect cash flow and allow the vehicle to generate revenue 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.

HGV finance without the cash flow strain.

Unreliable or outdated lorries don’t just slow you down, they put contracts, schedules and client relationships at risk.

First Oak Capital helps you secure dependable HGVs without putting pressure on your cash flow. With funding built around your operation, you can upgrade your fleet, maintain performance and keep your vehicles working when it matters most.

Instead of delaying essential investment, you can move forward with confidence, strengthen reliability and protect the reputation your business depends on.

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Lorry and HGV funding that supports confident fleet investment.

Lorry and HGV finance is built for operators who depend on strength, reliability and performance. The right funding keeps heavy vehicles on the road while protecting working capital and supporting steady growth.

First Oak Capital focuses on arranging finance that reflects how your transport business actually runs. We begin by understanding your fleet requirements, contract structure and cash flow, then identify funding that fits practically and commercially.

Once your priorities are clear, suitable options are sourced from a broad lender network and explained in plain English. You receive transparent costs, structured repayments and guidance that allows you to decide with confidence.

When you are ready to expand or upgrade your fleet, the objective is straightforward. Secure the right funding and keep your operation moving forward without compromise.

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

Lorry & HGV 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.

Lorry finance allows transport and logistics businesses to purchase commercial trucks without paying the full cost upfront. The vehicle is funded over time through structured payments while the business continues operating.

Most commercial trucks can be financed, including rigid trucks, articulated lorries and specialist transport vehicles. These are commonly funded through vehicle finance alongside other transport solutions such as van finance.

Commercial vehicles represent a significant investment. Finance allows businesses to expand their fleet while preserving cash flow for fuel, staff and operational costs.

Yes. New logistics businesses sometimes secure funding through start up business loans or structured asset funding designed for commercial vehicles.

Yes. Many businesses finance several vehicles at once when expanding their fleet. In some cases this may be combined with broader asset finance solutions.

Yes. Many lenders are happy to fund used commercial trucks as long as the vehicle is suitable for business use and holds sufficient value.

Finance terms typically range from several years depending on the value of the truck and the repayment structure.

Absolutely. Funding allows transport businesses to respond to demand quickly by increasing fleet capacity without large upfront costs.

Yes. Businesses sometimes release capital tied up in vehicles through refinance loans to improve cash flow or reinvest into the company.

You can begin by completing the online application so the vehicle, funding requirement and suitable lenders can be identified.