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

Unsecured business loans to keep your plans moving.

Running a business means dealing with sudden costs, uneven cash flow and opportunities that cannot wait. When funding is needed, you want a solution that is quick, simple and does not put your assets at risk.

Apply online

Access capital quickly, without the risk.

Whether you’re managing cash flow, investing in growth or acting on an opportunity, First Oak Capital helps you move quickly with straightforward finance built around your business.

Faster, more flexible funding decisions

Get access to capital quickly with a streamlined process focused on your business, not asset security.

Built around your business, not security

Funding is assessed on how your business performs, helping you access capital quickly and act without delay.

Apply online

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.

Business loans

Flexible funding to support growth, manage cash flow or invest in the next stage of your business.

Learn More

Cashflow funding

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

Learn More

Invoice finance

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

Learn More

Asset finance

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

Learn More

VAT loans

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

Learn More

Vehicle finance

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

Learn More


 

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.

Apply online

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.

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

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.

Apply online

Flexible funding to help your business move forward.

Unsecured business loans are built for moments when your business needs support without added complications.

Whether you are managing short term pressures, investing in growth or taking advantage of an opportunity, access to the right funding can remove barriers and restore momentum.

First Oak Capital focuses on arranging unsecured finance that fits around your business, not the other way around.

The process starts with understanding what you need right now and how funding can support your immediate priorities in a practical, manageable way. Once your goals are clear, suitable options are sourced from a wide network of lenders and explained in plain English.

You receive transparent costs, realistic repayment structures and guidance that helps you choose with confidence. When you are ready to move ahead, the aim is simple. Secure flexible funding quickly and give your business the breathing space it needs to keep progressing.

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.

Unsecured business loans provide funding without requiring a specific asset as collateral. Approval is typically based on the financial strength and performance of the business.

Unsecured loans do not rely on assets such as property or equipment. In contrast, secured business loans are backed by assets which can sometimes allow larger borrowing amounts.

They can be used for a wide range of purposes including expansion, marketing investment, hiring staff or improving cash flow.

Yes. Many businesses use unsecured funding to move quickly when opportunities arise without needing to secure the borrowing against assets.

Yes. Businesses sometimes use unsecured funding alongside cashflow loans or invoice finance to maintain working capital.

Yes. Many small businesses access unsecured lending when they need funding but do not want to secure borrowing against assets.

They can, although some businesses choose asset finance or equipment finance when purchasing equipment.

Yes. Businesses sometimes use unsecured funding as part of a wider refinance loan strategy.

Yes. Businesses often combine unsecured funding with short term loans when immediate capital is required.

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