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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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Cash flow loans that keep your business moving forward.

A cash flow loan gives your business the stability to keep moving forward without disruption. It helps you bridge short term gaps, manage day to day costs and maintain momentum, so you’re not held back by timing or temporary pressure on your finances.

With First Oak Capital, cash flow finance is built around how your business actually operates. You get fast, flexible access to working capital when it matters most, allowing you to stay in control, protect your progress and make decisions with confidence, not hesitation.

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Move at the speed your business demands.

We give you the confidence to act when it matters most, backed by funding that’s ready when you need it.

Funding in as little as 24 hours

Move quickly when it matters, with fast approvals and funds often in your account within a day.

Better rates than high street banks

We can give you better 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.

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Find the right type of finance for your business.

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.

Invoice finance

Release cash tied up in unpaid invoices, improve liquidity and maintain steady working capital to support ongoing operations.

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Revolving credit

Access a flexible credit facility you can draw from, repay and reuse, helping you manage cash flow and respond quickly to business demands.

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VAT loans

Spread VAT payments into manageable instalments, easing cash flow pressure and helping your business plan ahead.

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Move at the speed your business demands.

We give you the confidence to act when it matters most, backed by funding that’s ready when you need it.

We only arrange bespoke funding options

We take the time to understand how your business works, then structure funding around what you actually need.

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 can help with all types of credit scores

We can help get your business the funding it needs, no matter what your credit score might be.

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Cash flow funding to strengthen your business.

We help you access cash flow funding that keeps your business moving without disruption. When income and outgoings don’t align, we secure fast, flexible working capital so you can stay in control and keep things running smoothly.

Every loan is tailored to how your business operates, with clear terms and straightforward guidance from start to finish.

The result is simple, reliable funding that gives you breathing space, protects your momentum and lets you focus on growth.
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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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Stay in control when cash flow shifts.

Cash flow gaps don’t wait, and they can quickly slow a business down if not managed properly. When income and outgoings fall out of sync, it can put pressure on operations, decisions and day to day stability.

Cash flow loans give you immediate access to working capital, helping you stay in control and keep everything moving without disruption. The funding is structured around your business, so it supports how you operate rather than holding you back.

Instead of worrying about short term pressures, you can focus on running your business with confidence, knowing you have the financial flexibility to maintain momentum and keep moving forward.

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Cash flow finance to support your next stage of growth.

As businesses grow, there are points where reliable working capital becomes essential to maintain momentum. Whether you are managing rising costs, covering operational commitments or preparing for new opportunities, cash flow funding provides the stability to act without hesitation.

First Oak Capital specialises in arranging cash flow finance built around your objectives. The focus is on understanding how your business operates and identifying funding that supports your plans in a practical and sustainable way.

With your priorities clear, suitable options are sourced from a wide panel of lenders and presented in simple, transparent terms. You receive honest guidance, clear costs and structured facilities designed to strengthen your financial position.

When steady cash flow is the key to your next move, the aim is straightforward. Secure the right funding and give your business the support it needs to grow with confidence.

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

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.

Cashflow loans provide businesses with funding designed to stabilise working capital and ensure day to day operations continue smoothly.

Businesses often use them to manage seasonal fluctuations, cover temporary gaps between invoices or maintain operational stability.

Cashflow loans are typically designed to address immediate working capital needs, while broader business loans may support expansion or investment.

Yes. Rapid growth can create pressure on working capital, and cashflow funding helps businesses continue operating while revenue catches up.

Yes. Many businesses use invoice finance together with cashflow funding to maintain a steady flow of working capital.

Yes. Smaller businesses frequently use this type of funding to manage operational expenses and maintain financial stability.

Yes. Businesses often use them alongside short term loans when quick access to capital is required.

Yes. Businesses sometimes restructure borrowing through refinance loans to improve their funding structure.

Yes. Some businesses use targeted funding such as VAT loans or tax loans to manage specific liabilities.

You can begin by completing the online application so your working capital needs can be assessed.