The right solutions
We have built a wide range of products and funding partnerships. Keeping all your financing needs under one roof.
Fast, flexible funding for your business.
As specialists in SME finance, we provide tailored funding solutions to meet your needs, whether it's a commercial loan for VAT or tax, or invoice finance to release funds tied up in invoices. We've got you covered!
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Customer experience rating 5 /5 
We are on your side
Fast decisions
Our agility sets us apart. We turn around most lending decisions within 24 hours. Time is money after all
Personal service
You will speak to one of our UK-based points of contact every time you call. They won’t just be experts in their field, they’ll be experts in the needs of your business.
Our Products
Working Capital Loans
Enhance your cash flow requirements by smoothing out any short-term liquidity challenges.
VAT Loans
Free up cash flow with a short-term VAT loan spread over 3-12 months.
Tax Loans
Spread the cost of your tax bill with our tax loan financing solution – Available in as little as 24 hours.
Business Development Loans
Grow your business, improve cash flow or take on new challenges with our business development loans.
Commercial Loans
Invest in your business, maintain cashflow, and spread the cost over a fixed term.
Asset Finance
You need new equipment to scale your operations. We'll help you get it, fast.
Invoice Finance
Unlock the cash stuck in unpaid invoices and enjoy the freedom to grow.
Asset Based Lending
Use existing assets to access working capital and fund your next step.
Support from trusted experts.
We have helped businesses like yours for more than 30 years. People trust us to deliver the support they need, when they need it.
“Whether it's a requirement for a fleet of vans, or for new plant and machinery, we would love to speak with SME's to see how we can support their ambitions.”
35+
years lending experience
£500m+
applications approved annually
Partnering with you
We concentrate less on transactions, and more on partnerships. We work with you to find the best finance options for your business, build long-term relationships and help you take the next step.
“Our 5 star service rating is testament to our commitment and longevity in the SME landscape.”
2000
5 star Feefo reviews for our award-winning service
99%
of clients would choose White Oak again