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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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Asset finance that unlocks your business growth potential.

Assets are central to how your business operates. From machinery and vehicles to specialist equipment, the right assets drive productivity and growth.

Asset finance allows you to acquire or leverage assets without tying up large amounts of capital. Instead of delaying investment, you spread costs in a way that supports steady progress.

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Finance the assets that keep your business moving.

Get the funding you need to invest in vehicles, equipment or machinery, with the confidence to act when the opportunity is right.

Better rates than high street banks

Access to a wide lender panel means more competitive rates and funding structured around the asset and how you operate.

We manage the entire process

From enquiry to approval, we handle everything. Clear guidance, strong lender options and funding that fits your purchase.

We only arrange bespoke funding options

Every business is different. We take the time to understand how you operate, then structure asset finance around what you actually need.

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Find the right type of asset finance for your business.

From vehicles to equipment and machinery, we connect you with asset finance that supports growth, avoids wasted applications and keeps your business moving.

Equipment finance

Fund essential equipment with structured payments that protect cash flow and support your ongoing day to day business operations.

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Machinery finance

Access funding for machinery with flexible terms that help maintain productivity without negatively impacting your overall working capital position.

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Car finance

Finance company cars for directors or staff with structured payments that support reliable, professional and consistent day to day business travel.

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Van finance

Acquire or upgrade vans with funding designed to support your daily operations, regular deliveries and ongoing site visits without cash flow pressure.

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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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Stock & Supplier Loans

Fund stock and supplier costs with structured finance that protects your cash flow and keeps your wider business operations running smoothly.

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Funding built around your business assets.

Asset finance should make investment feel achievable, not restrictive. It’s about aligning funding with the value of your assets, so you can grow without putting pressure on your day to day cash flow.

First Oak Capital structures funding around how your business actually operates. Whether you’re acquiring new equipment or unlocking value from existing assets, we make sure repayments are clear, manageable and built to support your long term plans.

With access to a wide panel of lenders, we source the right options quickly and explain everything in straightforward terms. You see the full picture from the start, so you can make confident decisions and invest in your business without hesitation.
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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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Funding built around your purchasing needs.

Delaying investment in equipment or vehicles holds your business back. Productivity drops, inefficiencies build and growth becomes harder to sustain.

First Oak Capital helps you move forward with confidence. With asset finance structured around your business, you can invest in the equipment you need without putting pressure on cash flow, keeping operations efficient and competitive.

We make the process straightforward, fast and built around how you operate, so you can upgrade, expand and strengthen your business without delay.
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Funding that supports strategic investment.

Asset finance is built for businesses that want to invest intelligently in their future. When assets are needed, the right funding protects cash flow and supports sustainable growth.

First Oak Capital focuses on arranging finance that reflects your operational goals and asset strategy. The process begins with understanding your priorities and identifying funding that supports them practically.

Once your priorities are clear, suitable options are sourced from a broad lender network and explained in plain English. You receive transparent costs, realistic repayment structures and guidance that helps you act with certainty.

When you are ready to invest in your assets, the objective is simple. Secure the right funding and strengthen your business.

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

Asset 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.

Asset finance allows businesses to acquire equipment, vehicles or machinery without paying the full cost upfront. Instead, the cost is spread over time through structured repayments while the asset supports the business.

Many business assets can be funded including vehicles, machinery, equipment and specialist commercial tools. This may include vehicle finance, machinery finance or equipment finance.

Asset finance allows businesses to invest in essential equipment while protecting working capital. This can be a more practical solution than using traditional business loans when purchasing physical assets.

Yes. By spreading the cost of important equipment or vehicles, businesses can invest in productivity and expansion without tying up large amounts of capital.

Yes. Commercial vehicles are commonly funded through vehicle finance, including van finance and lorry finance.

Yes. Farming businesses often fund tractors, trailers and specialist machinery through agricultural vehicle finance or machinery finance.

Yes. By spreading payments over time, businesses can preserve working capital for operational expenses such as staff, materials and marketing.

Yes. Businesses sometimes combine asset funding with cashflow loans or revolving credit facilities when broader financial flexibility is required.

Yes. Businesses that own equipment outright may be able to release capital tied up in those assets through refinance loans.

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