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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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About First Oak Capital

Built on 30 years of real business experience.

Running a business comes with constant decisions and pressures. When finance is involved, you need straight talking advice and someone who genuinely understands what is at stake. Funding should feel like an opportunity, not another obstacle to overcome.

First Oak Capital was built around that belief.

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How we support your funding journey.

Clear advice, strong lender relationships and hands on support from start to finish.

Everything begins with understanding your business properly. Time is taken to learn how you operate, what you want to achieve and what kind of finance will genuinely help you move forward. From there, the focus is on presenting the strongest possible case to lenders and guiding you through a process that feels straightforward and transparent.

You benefit from experienced representation, access to a broad panel of UK lenders and practical support at every stage. 

The aim is simple: secure the right funding, on the right terms, with no unnecessary complications.

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Defining a clear starting point

Every enquiry begins with a free consultation focused on your goals. You receive straightforward guidance on which finance options are most suitable, based on a real understanding of your business.

Strong lender representation

Your business is presented to lenders in the best possible light. Strengths, opportunities and stability are highlighted to build confidence and improve your chances of approval.

Access to the right type of funding

Introductions are made to a wide network of UK lenders, including specialist providers. Whether you need a loan, asset finance or cash flow support, funding is matched to your needs.

complete support from start to finish

Guidance continues through applications, approvals and fund release. Costs, repayments and obligations are explained clearly, so you can move forward with confidence.

A personal approach to business finance.

First Oak Capital is led by Guy Prince, who brings more than 30 years of experience in commercial finance and a genuine passion for helping businesses succeed.

During that time, he has worked closely with business owners from a wide range of industries, supporting them as they secure funding, plan for growth and handle the everyday realities of running a company. He understands that behind every funding request is a real business with real ambitions, pressures and opportunities.

His experience is not just about knowing lenders and finance products. It comes from building long term relationships, understanding people and recognising the practical challenges that sit behind every financial decision. 

That insight allows him to offer advice that is grounded, honest and focused on what will genuinely help your business move forward.

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We’re proud to be certified members of the National Association of Commercial Finance Brokers (NACFB).

First Oak Capital is a certified member of the National Association of Commercial Finance Brokers (NACFB), the UK’s leading trade body for commercial finance brokers.

Our membership reflects a commitment to high professional standards, ethical conduct and responsible finance practices.

Being NACFB certified means our work is guided by recognised industry standards, giving you confidence that you are dealing with a trusted and accountable finance partner.

It reinforces our focus on clear communication, fair advice and acting in the best interests of every business we support.

Why use a commercial finance broker?

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.

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.

Access to 100+ UK lenders

A wide panel of lenders gives you more choice, better terms and funding tailored to your business.

FAQ

Commonly asked questions.

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.

First Oak Capital helps businesses access the finance they need to grow, invest and operate with confidence. This includes a wide range of funding solutions such as business loans, asset finance and specialist facilities designed to support cash flow.

We work with businesses across many industries including construction, agriculture, logistics and professional services. Many of our clients require funding such as vehicle finance, machinery finance or broader commercial lending.

Our approach focuses on understanding how your business operates before recommending funding solutions. This allows us to identify options that genuinely support your business, whether that is cashflow loans, revolving credit facilities or longer term funding.

 

Yes. We support businesses at many stages, from companies seeking start up business loans through to established companies requiring large business loans.

Yes. Some funding solutions are designed to move quickly when timing matters. Businesses often explore short term loans or bridging loans when immediate capital is required.

No. Many businesses benefit from specialist funding such as invoice finance, stock loans or VAT loans depending on their situation.

Yes. Businesses often approach us when they want to improve their funding structure. This may involve consolidating facilities through refinance loans.

Yes. Many companies invest in equipment or commercial vehicles through equipment finance, machinery finance or vehicle finance.

We take time to understand your business model, financial pressures and growth plans before identifying suitable lenders and funding structures.

The easiest way to begin is by completing the online application so we can understand your funding requirements.