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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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Flexible loans for small businesses.

Small businesses are built on momentum. Whether you are expanding your team, increasing stock or investing in marketing, access to the right funding at the right time can make all the difference.

A small business loan provides practical capital without overcomplicating the process. Instead of postponing growth plans, you can spread the cost into manageable repayments that support steady, confident progress.

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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.

Merchant Loans

Access funding linked to your card sales, with repayments that flex alongside your revenue to support cash flow and ongoing growth.

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Cashflow funding

Unlock flexible funding to manage short term cash flow gaps, cover operating costs and keep your business trading smoothly.

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Invoice finance

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

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Asset finance

Spread the cost of equipment or machinery over time, preserving cash flow while investing in essential business assets.

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VAT loans

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

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Vehicle finance

Fund cars, vans or commercial vehicles through structured payments, protecting working capital while supporting daily operations.

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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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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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Small business loans to support steady growth.

Small business loans give you the freedom to grow without overcomplicating finance.

First Oak Capital helps you access funding built around your business, whether you’re upgrading equipment, expanding services or improving day to day operations. Everything is structured to feel clear, manageable and aligned with how you work.

The result is simple. You get the breathing space to invest, make confident decisions and move your business forward with clarity and control.

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Funding that helps your small business move forward.

Small businesses reach moments where the right funding can unlock real progress. Whether you are investing in growth, upgrading equipment or strengthening day to day operations, access to capital gives you the confidence to take the next step.

First Oak Capital focuses on arranging small business loans that reflect your ambitions. The starting point is understanding your goals and how funding can support your plans in a practical and manageable way.

Once your priorities are clear, suitable options are sourced from a broad network of lenders and explained in plain English. You receive transparent costs, realistic repayments and guidance that helps you choose with confidence.

When your business is ready to grow, the objective is simple. Secure the right loan and give your plans the financial backing they deserve.

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.

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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.

Small business loans provide flexible funding for companies that need capital to grow, invest or stabilise operations. Businesses often use them for equipment purchases, hiring staff, marketing investment or managing working capital.

Small business loans are structured specifically for growing companies that may need modest but flexible funding. In some situations, businesses may also explore cashflow loans or short term loans depending on their financial needs.

Yes. Some businesses secure funding through unsecured business loans which do not rely on specific assets as collateral.

Yes. Many businesses use funding to expand their operations, invest in equipment or increase capacity. Asset investments are often supported through equipment finance or machinery finance.

They can be used for vehicles, although many companies choose vehicle finance or van finance when purchasing commercial vehicles.

Approval times vary depending on the lender and application details, but many funding solutions are designed to move quickly when businesses need access to capital.

 

Yes. Businesses may restructure their funding through refinance loans to improve terms or reduce financial pressure.

No. Both new and established businesses use small business loans to support growth and operational stability.

Yes. Businesses often combine funding with solutions such as invoice finance or revolving credit facilities to maintain cash flow flexibility.

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