WHAT ARE WORKING CAPITAL LOANS?

Working Capital Loans can be used to enhance your cash flow requirements from spreading the cost of your Corporation tax liability to covering the cost of your recruitment needs.

Our working capital loans are designed to help businesses effectively manage cash flow to smooth out any short-term liquidity challenges. They can be used to finance a business’s daily operational expenses. For long-term investments, take a look at our Asset Finance solutions.

WHAT CAN WORKING CAPITAL LOANS BE USED FOR?

We take a flexible approach to our commercial loan offering and are proud to support SMEs and mid-corporates across the majority of business purposes. Our working capital loans can be used for a range of purposes to help businesses with cash flow requirements:

  • Corporation and Income Tax Payments
  • VAT Payments
  • Insurance Cover
  • Practising Certificates
  • Software Licenses
  • Annual Subscriptions & Licenses
This list is not exhaustive. White Oak will consider most loan purposes to help businesses with working capital and business development requirements.
Talk to our finance specialist today to see if your business is eligible for funding.

WORKING CAPITAL LOANS - PRODUCT OVERVIEW

Product Terms

  • Borrow from £25k to £1m
  • 3 to 12 month terms
  • Interest only option available

Eligibility Requirements

  • Trading for 3 Years or Longer
  • Track Record of Profitability
  • Short-Term Requirement

*Subject to T&Cs

Get in touch to discuss your commercial loan requirements today.

ABOUT WHITE OAK

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 nearly 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 net-work of 470 finance professionals.

FAQ

How Much Can You Borrow With a Working Capital Loan Loan?

You can borrow between £25k to £1m.

Is a Personal Guarantee Required?

We consider secured and unsecured lending. Personal Guarantees are typically requested on secured lending for Limited companies. Debentures may be requested on transactions over £250,000.

CUSTOMER TESTIMONIALS

We went to few banks, but they just don’t get it. With white Oak Uk it’s simple – they understand our business and getting finance was fuss-free.

Owner,Alchemy Coffe

CUSTOMER TESTIMONIALS

We went to few banks, but they just don’t get it. With white Oak Uk it’s simple – they understand our business and getting finance was fuss-free.

Owner,Alchemy Coffe

CUSTOMER TESTIMONIALS

We went to few banks, but they just don’t get it. With white Oak Uk it’s simple – they understand our business and getting finance was fuss-free.

Owner,Alchemy Coffe

CUSTOMER TESTIMONIALS

We went to few banks, but they just don’t get it. With white Oak Uk it’s simple – they understand our business and getting finance was fuss-free.

Owner,Alchemy Coffe

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