Secured business loans to power your next big move.

Some business decisions are about long term strength, not just short term needs. Expanding premises, investing in equipment or delivering major projects often requires funding secured against assets to unlock greater potential.

A secured business loan provides access to larger capital with structured, predictable repayments, giving you the confidence to plan ahead and invest in meaningful, sustainable growth.

Secured business loans to unlock funding.

Secured business finance gives you access to larger funding so you can make bigger moves with confidence.

Using assets to support borrowing, First Oak Capital helps you fund expansion, invest in equipment or back major projects, with structured, predictable repayments that keep your business in control.

Unlock greater funding potential

Leverage your assets to access larger funding amounts and support bigger growth plans.

Repayments that fit how you operate

Finance structured around your business, giving you clarity, stability and control.

More competitive rates

Secure funding with stronger rates and structured terms that protect profitability.

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.

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.

Unlock greater funding with confidence.

Secured business loans are built for bigger plans, whether that’s acquiring premises, investing in equipment or funding a major project.

By using assets to support borrowing, First Oak Capital helps you access larger funding on structured terms that support long term growth. We take the time to understand your goals and arrange funding that fits your wider strategy.

Everything is kept clear and straightforward, so you know exactly how it works. The result is simple. You secure the funding you need and move forward with confidence, clarity and control.

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.

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.

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.

Secured business loans to power your next stage of growth.

Every growing business reaches moments where bigger investment is needed to unlock real progress. Whether you are expanding operations, upgrading equipment or strengthening your financial position, secured funding provides the scale and stability to make those decisions with certainty.

First Oak Capital focuses on arranging asset backed finance that reflects your ambitions. The starting point is understanding what you want to achieve and how secured lending can support those plans in a practical and sustainable way.

Once your goals are clear, funding options are sourced from a broad panel of lenders and explained in straightforward terms. You receive clear guidance, transparent costs and structured solutions designed to support long term success.

When your business is ready to take its next step, the objective is simple. Secure the right funding and give your plans the financial foundation they deserve.

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.

What are secured business loans?

Secured business loans are funding facilities backed by an asset such as property, equipment or vehicles. The asset provides security for the lender and can sometimes allow larger borrowing amounts.

What assets can be used to secure a loan?

Assets such as property, machinery and commercial vehicles may be used as security depending on the lender and funding structure.

How do secured loans differ from unsecured loans?

Secured loans rely on assets as collateral, while unsecured business loans do not require specific security.

Why do businesses choose secured loans?

Secured funding can sometimes allow businesses to access larger loan amounts or more favourable repayment terms.

Can secured loans be used for business expansion?

Yes. Many companies use secured funding to invest in new equipment, vehicles or property to support long term growth.

Can secured loans support equipment purchases?

Yes. Businesses often combine secured funding with asset finance or machinery finance when investing in equipment.

Can secured loans help with cash flow challenges?

Yes. Some businesses use secured funding alongside cashflow loans or invoice finance to improve working capital.