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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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Invoice finance that unlocks your cash flow.

Waiting to be paid can hold your business back. When money is tied up in unpaid invoices, growth slows and everyday operations become harder to manage.

Invoice finance releases cash from outstanding invoices, giving you fast access to working capital without waiting for customer payments. Instead of chasing money you have already earned, you gain immediate liquidity to keep your business moving.

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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.

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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Funding built around your invoicing cycle.

Invoice finance is designed to work alongside the way your business bills customers. The goal is simple. Turn invoices into accessible cash and stabilise your working capital.

Whether you are managing growth, covering operational costs or preparing for new opportunities, funding adjusts to the value of your outstanding invoices.

Once we understand how your business invoices and collects payments, suitable options are sourced from a wide lender network and explained in clear, practical terms. You see costs, structures and timelines upfront, allowing you to plan with confidence.
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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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Stop waiting to be paid to scale your business.

Late payments can interrupt momentum and create unnecessary stress. When cash is locked in invoices, businesses may delay investment or restrict operations.

Invoice finance gives you a practical way to regain control of your cash flow. With immediate access to funds, you can meet obligations, invest in growth and operate with confidence.

Instead of waiting weeks or months for payment, you can focus on running your business and building momentum.
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Flexible invoice finance to help your business move forward.

Invoice finance is designed for moments when your business needs working capital without slowing down or taking on unnecessary debt. Whether you are managing payment delays, supporting growth or creating steadier cash flow, faster access to invoice funds removes pressure and restores momentum.

First Oak Capital focuses on arranging invoice finance that works around how your business operates. The process starts with understanding your invoicing cycle and how funding can support your immediate priorities in a practical, manageable way.

Once your needs are clear, suitable options are sourced from a wide network of lenders and explained in straightforward terms.

You receive transparent costs, clear structures and guidance that helps you choose with confidence.

When you are ready to move ahead, the aim is simple. Unlock the value of your invoices and give your business the working capital it needs to keep progressing.

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.

Invoice finance allows businesses to unlock funds tied up in unpaid invoices, giving them quicker access to working capital.

A lender advances a percentage of the invoice value soon after it is issued, helping businesses access funds without waiting for customers to pay.

It helps improve cash flow and allows businesses to continue operating smoothly even when payment terms are long.

Yes. Rapid growth can increase the gap between issuing invoices and receiving payment, making invoice funding particularly useful.

Yes. Businesses often combine invoice funding with cashflow loans or revolving credit facilities.

Many industries use invoice funding, especially those that invoice other businesses with longer payment terms.

Not necessarily. Some businesses use invoice funding alongside business loans when additional capital is needed.

Yes. By unlocking funds tied up in invoices, businesses can reinvest revenue into growth more quickly.

Yes. The amount of funding available can increase as the business generates more invoices.

You can begin by completing the online application so your invoice structure and funding needs can be assessed.