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 solutions. Founded in 1986 and headquartered in the UK, White Oak’s team of 170 professionals supports over 20,000 business with their financing needs. White Oak’s flexible and efficient approach to pro-viding capital to businesses is reflected in its rating as the #1 UK non-bank business finance provider on Feefo, with an average customer score of 4.9/5.0


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 $7.3 billion of Assets under Management, focussed on direct lending to non-sponsored small and medium sized entities (SMEs), offering term loans, leases, asset based loans and other specialty 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
OUR PLATFORM AND TRACK RECORD
- £500 million origination per annum
- Over 100 origination professionals over five offices
- 20,000 SME and mid-corporate clients
- Core manual underwriting capabilities with a team of 10 experienced FTEs
- Latest credit technology utilised to consistently apply credit appetite
- Bespoke and proprietary SME credit scoring systems using
- Over £500 million of assets under administration
- Robust and embedded system-driven processes and automation
- Centralised in-life customer servicing team of 25 FTEs
- Deploying capital efficiently to SMEs and mid-corporates
- Almost £2 billion written on own balance sheet since 2017
- Broad range of funding from private capital, banking relationships and securitisation counterparties
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Managing Director
White Oak Leases & Loans
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Chief Credit Officer
White Oak Leases & Loans
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Chief Risk Officer
White Oak Leases & Loans
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Chief Strategy Officer & Director of M&A
White Oak Europe
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Director of Finance
White Oak Europe
Andy Davies
Managing Director White Oak Leases & LoansChester
Andy Davies serves White Oak as Managing Director, White Oak Leases & Loans where he is responsible for front office business performance, managing origination teams and setting the overall commercial appetite. Andy has over 30 years of experience in providing funding to the UK SME market across a broad variety of origination roles all held at White Oak, and has previously served as Director of Sales at LDF Group since 2002. Andy serves on the Board of Directors
Chris Heeley
Chief Credit Officer White Oak Leases & LoansChester
Chris Heeley serves White Oak as Chief Credit Officer, White Oak Leases & Loans where he is responsible for maintaining credit policy, managing the underwriting team and overseeing external funding partner relationships. Chris has worked with White Oak for over 21 years and has been responsible for overseeing the Credit function since 2014 when White Oak first established its own book lending capabilities
Nick Isaacs
Chief Risk Officer White Oak Leases & LoansLondon
Nick Isaacs serves White Oak as Chief Risk Officer, White Oak Leases & Loans where he is responsible for automated credit decisioning, credit scoring and managing non-performing agreements. Nick has over 20 years of financial services experience, having joined White Oak in 2020 after holding leading credit roles at Premium Credit and American Express. Nick holds a BA (Hons) Business Studies from Sheffield Hallam University
Daniel Werchola
Chief Strategy Officer & Director of M&A White Oak EuropeLondon
Daniel Werchola serves White Oak as Chief Strategy Officer and Director of M&A, White Oak Europe, where he is responsible for determining overall corporate strategy, key strategic initiatives and inorganic growth. Daniel has almost 20 years of experience across financial services and investment banking, joining White Oak in 2020 having previously held roles at RBC Capital Markets, Rothschild, Bear Stearns and KPMG LLP. Daniel is a Chartered Accountant (ACA) and holds a Meng (Hons) Chemical Engineering from Imperial College, London
Andrew Gadsby
Director of Finance White Oak EuropeLondon
Andrew Gadsby services White Oak as Director of Finance, where he is responsible for financial control, financial reporting and financial planning and analysis. Andrew has over 25 years of financial services experience, having held previous roles with KPMG, Dresdner Kleinwort, Morgan Stanley, RBS, Lombard, JCB Finance and PEAC. Andrew is a Chartered Accountant (ICAEW) and holds a BSc (Hons) Psychology from University of York. Andrew serves on the Board of Directors
Douglas Banks
Treasurer White Oak EuropeLondon
Douglas Banks serves White Oak as Treasurer, where he is responsible for liquidity, cash management and funding lines. Doug has over 25 years of markets and treasury experience, having joined White Oak in 2020 after holding previous senior roles with Virgin Money, Royal Bank of Scotland and Citi. Doug is a Chartered Management Accountant (CGMA), CISI Charterholder and holds a Bachelor of Business Studies from Charles Sturt University, Australia
Annabel Giles
Director of HR White Oak EuropeLondon
Annabel Giles serves White Oak as Director of HR, where she is responsible for people strategy, including performance management and talent acquisition. Annabel has over 20 years of industry experience, having joined White Oak in 2020 after holding senior roles at Actis LLP, Credit Agricole CIB and Lazard Asset Management. Annabel is a CIPD Charterholder, and holds an MSc and BA (Hons) from University College London
Ross Rutherford
General Counsel White Oak EuropeChester
Ross Rutherford serves White Oak as General Counsel, where he is responsible for all legal matters and supports with regulatory and compliance aspects. Ross has over 12 years of financial services experience, having joined White Oak via its acquisition of First Independent Finance in 2015 after working in practice with Harper MacLeod LLP. Ross holds an LLB (Hons) (Euro) from the University of Strathclyde and a DipLP from Glasgow Graduate School of Law and is dual qualified as a solicitor in England & Wales and Scotland. Ross also serves as Company Secretary
-
Managing Director
White Oak Leases & Loans
-
Chief Credit Officer
White Oak Leases & Loans
-
Chief Risk Officer
White Oak Leases & Loans
Andy Davies
Managing Director White Oak Leases & LoansChester
Andy Davies serves White Oak as Managing Director, White Oak Leases & Loans where he is responsible for front office business performance, managing origination teams and setting the overall commercial appetite. Andy has over 30 years of experience in providing funding to the UK SME market across a broad variety of origination roles all held at White Oak, and has previously served as Director of Sales at LDF Group since 2002. Andy serves on the Board of Directors
Chris Heeley
Chief Credit Officer White Oak Leases & LoansChester
Chris Heeley serves White Oak as Chief Credit Officer, White Oak Leases & Loans where he is responsible for maintaining credit policy, managing the underwriting team and overseeing external funding partner relationships. Chris has worked with White Oak for over 21 years and has been responsible for overseeing the Credit function since 2014 when White Oak first established its own book lending capabilities
Nick Isaacs
Chief Risk Officer White Oak Leases & LoansLondon
Nick Isaacs serves White Oak as Chief Risk Officer, White Oak Leases & Loans where he is responsible for automated credit decisioning, credit scoring and managing non-performing agreements. Nick has over 20 years of financial services experience, having joined White Oak in 2020 after holding leading credit roles at Premium Credit and American Express. Nick holds a BA (Hons) Business Studies from Sheffield Hallam University
-
Chief Strategy Officer & Director of M&A
White Oak Europe
-
Director of Finance
White Oak Europe
-
Treasurer
White Oak Europe
Daniel Werchola
Chief Strategy Officer & Director of M&A White Oak EuropeLondon
Daniel Werchola serves White Oak as Chief Strategy Officer and Director of M&A, White Oak Europe, where he is responsible for determining overall corporate strategy, key strategic initiatives and inorganic growth. Daniel has almost 20 years of experience across financial services and investment banking, joining White Oak in 2020 having previously held roles at RBC Capital Markets, Rothschild, Bear Stearns and KPMG LLP. Daniel is a Chartered Accountant (ACA) and holds a Meng (Hons) Chemical Engineering from Imperial College, London
Andrew Gadsby
Director of Finance White Oak EuropeLondon
Andrew Gadsby services White Oak as Director of Finance, where he is responsible for financial control, financial reporting and financial planning and analysis. Andrew has over 25 years of financial services experience, having held previous roles with KPMG, Dresdner Kleinwort, Morgan Stanley, RBS, Lombard, JCB Finance and PEAC. Andrew is a Chartered Accountant (ICAEW) and holds a BSc (Hons) Psychology from University of York. Andrew serves on the Board of Directors
Douglas Banks
Treasurer White Oak EuropeLondon
Douglas Banks serves White Oak as Treasurer, where he is responsible for liquidity, cash management and funding lines. Doug has over 25 years of markets and treasury experience, having joined White Oak in 2020 after holding previous senior roles with Virgin Money, Royal Bank of Scotland and Citi. Doug is a Chartered Management Accountant (CGMA), CISI Charterholder and holds a Bachelor of Business Studies from Charles Sturt University, Australia
Annabel Giles
Director of HR White Oak EuropeLondon
Annabel Giles serves White Oak as Director of HR, where she is responsible for people strategy, including performance management and talent acquisition. Annabel has over 20 years of industry experience, having joined White Oak in 2020 after holding senior roles at Actis LLP, Credit Agricole CIB and Lazard Asset Management. Annabel is a CIPD Charterholder, and holds an MSc and BA (Hons) from University College London
Ross Rutherford
General Counsel White Oak EuropeChester
Ross Rutherford serves White Oak as General Counsel, where he is responsible for all legal matters and supports with regulatory and compliance aspects. Ross has over 12 years of financial services experience, having joined White Oak via its acquisition of First Independent Finance in 2015 after working in practice with Harper MacLeod LLP. Ross holds an LLB (Hons) (Euro) from the University of Strathclyde and a DipLP from Glasgow Graduate School of Law and is dual qualified as a solicitor in England & Wales and Scotland. Ross also serves as Company Secretary
Andy Davies
Managing Director White Oak Leases & LoansChester
Andy Davies serves White Oak as Managing Director, White Oak Leases & Loans where he is responsible for front office business performance, managing origination teams and setting the overall commercial appetite. Andy has over 30 years of experience in providing funding to the UK SME market across a broad variety of origination roles all held at White Oak, and has previously served as Director of Sales at LDF Group since 2002. Andy serves on the Board of Directors
Chris Heeley
Chief Credit Officer White Oak Leases & LoansChester
Chris Heeley serves White Oak as Chief Credit Officer, White Oak Leases & Loans where he is responsible for maintaining credit policy, managing the underwriting team and overseeing external funding partner relationships. Chris has worked with White Oak for over 21 years and has been responsible for overseeing the Credit function since 2014 when White Oak first established its own book lending capabilities
-
Chief Risk Officer
White Oak Leases & Loans
-
Chief Strategy Officer & Director of M&A
White Oak Europe
Nick Isaacs
Chief Risk Officer White Oak Leases & LoansLondon
Nick Isaacs serves White Oak as Chief Risk Officer, White Oak Leases & Loans where he is responsible for automated credit decisioning, credit scoring and managing non-performing agreements. Nick has over 20 years of financial services experience, having joined White Oak in 2020 after holding leading credit roles at Premium Credit and American Express. Nick holds a BA (Hons) Business Studies from Sheffield Hallam University
Daniel Werchola
Chief Strategy Officer & Director of M&A White Oak EuropeLondon
Daniel Werchola serves White Oak as Chief Strategy Officer and Director of M&A, White Oak Europe, where he is responsible for determining overall corporate strategy, key strategic initiatives and inorganic growth. Daniel has almost 20 years of experience across financial services and investment banking, joining White Oak in 2020 having previously held roles at RBC Capital Markets, Rothschild, Bear Stearns and KPMG LLP. Daniel is a Chartered Accountant (ACA) and holds a Meng (Hons) Chemical Engineering from Imperial College, London
Andrew Gadsby
Director of Finance White Oak EuropeLondon
Andrew Gadsby services White Oak as Director of Finance, where he is responsible for financial control, financial reporting and financial planning and analysis. Andrew has over 25 years of financial services experience, having held previous roles with KPMG, Dresdner Kleinwort, Morgan Stanley, RBS, Lombard, JCB Finance and PEAC. Andrew is a Chartered Accountant (ICAEW) and holds a BSc (Hons) Psychology from University of York. Andrew serves on the Board of Directors
Douglas Banks
Treasurer White Oak EuropeLondon
Douglas Banks serves White Oak as Treasurer, where he is responsible for liquidity, cash management and funding lines. Doug has over 25 years of markets and treasury experience, having joined White Oak in 2020 after holding previous senior roles with Virgin Money, Royal Bank of Scotland and Citi. Doug is a Chartered Management Accountant (CGMA), CISI Charterholder and holds a Bachelor of Business Studies from Charles Sturt University, Australia
Annabel Giles
Director of HR White Oak EuropeLondon
Annabel Giles serves White Oak as Director of HR, where she is responsible for people strategy, including performance management and talent acquisition. Annabel has over 20 years of industry experience, having joined White Oak in 2020 after holding senior roles at Actis LLP, Credit Agricole CIB and Lazard Asset Management. Annabel is a CIPD Charterholder, and holds an MSc and BA (Hons) from University College London
Ross Rutherford
General Counsel White Oak EuropeChester
Ross Rutherford serves White Oak as General Counsel, where he is responsible for all legal matters and supports with regulatory and compliance aspects. Ross has over 12 years of financial services experience, having joined White Oak via its acquisition of First Independent Finance in 2015 after working in practice with Harper MacLeod LLP. Ross holds an LLB (Hons) (Euro) from the University of Strathclyde and a DipLP from Glasgow Graduate School of Law and is dual qualified as a solicitor in England & Wales and Scotland. Ross also serves as Company Secretary
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