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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.

Apply online

Van finance built around how your business works.

For many businesses, a van is not just transport, it is essential equipment. From site visits to deliveries, reliable vehicles keep work moving and customers satisfied.

Van finance allows you to introduce or upgrade vehicles without tying up working capital. Instead of a large upfront purchase, costs are spread into manageable payments that fit day to day trading.

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Practical van finance for growing businesses.

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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Stay on the road without the pressure of cash flow.

Your van isn’t just transport, it’s essential to how your business operates. When it’s right, everything runs smoothly. When it’s not, it slows you down.

First Oak Capital helps you secure the right vehicle with finance built around how you actually use it. Whether you’re upgrading, expanding your fleet or replacing an ageing van, we structure funding so repayments stay predictable and manageable.

The result is simple. You get a reliable vehicle in place without putting pressure on your cash flow, keeping your business moving, your work on track and your growth uninterrupted.

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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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Understanding the different types of van finance.

Funding a company car does not need to be complicated. Car finance is structured around the vehicle itself, not your property or a general purpose loan.

Payments are tailored to your monthly costs, keeping everything predictable. You avoid a large upfront outlay, protect cash flow and let the vehicle support your business while you pay for it.

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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 business moving professionally.

Outdated or unreliable vans can affect reliability, customer confidence and day to day productivity. When your transport is inconsistent, jobs are delayed and your reputation can suffer.

Van finance provides a practical way to maintain dependable, professional vehicles without disrupting cash flow. With the right vans in place, your business can operate efficiently and present itself with confidence.

Rather than postponing upgrades, you can introduce vehicles that strengthen both performance and brand image.

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Van funding that supports confident investment.

Car finance is built for businesses that value reliability and professionalism. The right funding keeps transport dependable while protecting working capital.

First Oak Capital focuses on arranging finance that reflects how your business operates. We start by understanding your needs and identifying funding that supports them 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 upgrade a vehicle, the objective is simple. Secure the right funding and keep your business moving forward.

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

Van 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.

Van finance allows businesses to purchase commercial vans without paying the full cost upfront. The vehicle is funded over time through structured repayments.

Commercial vans are essential for many businesses, and finance allows companies to secure reliable vehicles while preserving cash flow.

Most types of commercial vans can be financed, including small delivery vans, large panel vans and specialist work vehicles.

Yes. Van funding is a specialist form of vehicle finance designed specifically for commercial vans.

Yes. Many lenders will finance used vans if they are suitable for business use and hold appropriate value.

Yes. Businesses expanding their operations often add vehicles to their fleet through van finance.

Yes. Businesses often finance several vans as their operations grow.

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

Yes. Businesses may combine vehicle funding with business loans or cashflow loans depending on their wider investment needs.

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