0800 066 3677

Apply Online

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.

Apply online

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.

Apply online

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. 

Apply online

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.

Apply online

Minibus finance built to keep passengers moving confidently.

When your business moves people, reliability matters. Whether transporting staff, customers, residents or groups, a dependable minibus is essential to daily operations.

Minibus finance allows you to introduce or upgrade vehicles without committing large upfront capital. Instead of delaying investment, costs are spread into manageable payments that support stable operations.

Apply online

Funding built around your purchasing needs.

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.

Apply online


 

Minibus funding built around your needs.

Minibus finance is structured to reflect how often the vehicle runs, the service it provides and how long you expect to keep it in use. The goal is simple. Help you access the right vehicle while keeping finances predictable.

Once we understand your requirements, suitable options are sourced from a wide lender network and explained clearly so you can plan with confidence.

Apply online

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.

Apply online

We're here to help if you need us

Contact our UK-based team if you have any questions

Contact Us

Understanding the different types of minibus finance.

Funding a minibus does not need to feel complicated. Minibus finance is structured around the vehicle itself, not your property or a general purpose loan, giving you clarity and reassurance from the outset.

Repayments are aligned to your passenger income, contracts or school runs, keeping costs predictable and manageable. Instead of committing a large upfront sum, you protect cash flow and allow the minibus to generate revenue while you pay for it, supporting safe and reliable transport every day.

Apply online

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.

Keep your transportation dependable and reliable.

When a passenger vehicle is unreliable, services are disrupted and trust is affected. Delaying replacement can impact both safety and reputation.

Minibus finance provides a practical way to maintain dependable transport without destabilising finances. With the right vehicle in place, operations run smoothly and passengers travel with confidence.

Apply online

Minibus finance that supports confident decisions.

Minibus finance is built for organisations that depend on safe and reliable passenger transport. The right funding keeps services running smoothly while protecting working capital.

First Oak Capital focuses on arranging finance that reflects how your organisation operates. We begin by understanding how the vehicle will be used and identifying funding that supports those needs 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 repayments and guidance that helps you decide with confidence.

When you are ready to introduce or replace a minibus, the objective is simple. Secure the right funding and keep your transport dependable.

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

Minibus 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.

Minibus finance allows businesses and organisations to purchase minibuses without paying the full cost upfront. Instead, the vehicle is funded through structured repayments.

Minibus finance is often used by schools, care providers, transport companies, sports clubs and organisations that need to transport groups of people.

The lender funds the purchase of the vehicle and the business repays the cost over time through manageable instalments.

Yes. Many businesses finance brand new vehicles to ensure reliability and reduce maintenance costs.

Yes. Many lenders will fund used vehicles as long as they are suitable for commercial use and hold appropriate value.

Minibus funding is a specialist type of vehicle finance used specifically for passenger transport vehicles.

Yes. Organisations with growing transport needs may finance several vehicles as their operations expand.

Yes. Access to reliable vehicles can allow organisations to increase capacity and reach more customers or clients.

Yes. Businesses may release capital tied up in vehicles through refinance loans if the asset still holds value.

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