White Oak is an FCA authorised and regulated European lending platform which provides capital to support SMEs and mid-corporates through its full suite of flexible lending products

Since being established in 1986 we have focused on becoming a long-term finance partner to our customers, providing the right solution to support their business throughout their growth and development

Headquartered in the UK, our team of almost 200 specialists are trusted by over 20,000 SMEs and mid-corporates who have rated White Oak as the number one non-bank finance provider on Feefo* with a rating of 4.9/5.0. As a financing affiliate of White Oak Global Advisors, LLC (WOGA), we are able to support our clients globally and draw on the experience of a network of 470 finance professionals

  • With 100 origination and underwriting professionals we are able to build strong, personal relationships with SMEs and mid-corporates
  • Our comprehensive suite of business lending solutions uniquely positions us to provide flexible funding throughout the business cycle
  • A 35 year track record of lending has allowed us to refine our lending platform to efficiently and effectively deploy capital

VAT Loans

Product Features

Borrow from £25k to £1m

3 to 12 month terms

Interest only option available

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Tax Loans

Product Features

Borrow from £25k to £1m

3 to 12 month terms

Interest only option available

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Working Capital Loans

Product Features

Borrow from £25k to £1m

3 to 12 month terms

Interest only option available

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Business Development Loans

Product Features

Borrow from £25k to £2 million

12 to 48 month terms

Flexibility around options


Asset Finance

Product Features

Borrow from £25k to £2m

12 to 60 month terms

VAT deferral available


RECOVERY LOANS SCHEME

We have applied to become an accredited provider under the new scheme and will update this page when we have more information.

Product Features

Borrow from £75k to £10m

12 to 48 months terms

No capital repayments in first year


Invoice Finance

Product Features

Borrow from £200k to £5m

Up to 95% advance rates

30 to 120 days debtor terms


Asset Based Lending

Product Features

Borrow from £5m to £100m

Up to 95% advance rates

Fund receivables, stock and equipment


Supply Chain Finance

Product Features

Borrow from £5m to £100m

Up to 90% advance rates

60 to 180 days debtor terms


Trade finance

Product Features

Borrow from £5m to £100m

Up to 90% advance rates

60 to 180 days debtor terms

white oak global advisors

As a financing affiliate of White Oak Global Advisors, LLC (WOGA), White Oak is able to access investor capital to support White Oak’s lending activities to complement its funding from banks and other financial institutions

WOGA is an SEC registered global alternative asset manager with over $6.8bn of AuM, focussed on direct lending to non-sponsored small and medium sized entities (SMEs), offering term business development loans, leases, asset finance loans and other specialty finance products across its affiliates to companies with enterprise values between $25m and $1bn. White Oak Global Advisors was founded in 2007 and, along with its affiliates, has a global presence with over 470 professionals

As part of WOGA’s strategy in deploying investors’ funds to the SME market, it has created and acquired, on behalf of its institutional investors, a number of affiliate companies in recent years that bring specialist product, origination, underwriting and servicing capabilities. These include two factoring companies in the US including White Oak Commercial Finance, the US’s 5th largest factor, and one of the largest non-bank SME lenders in the UK, LDF Group, in June 2018, which has since been incorporated in to White Oak