The right solutions
We have developed an extensive range of products and established robust business funding partnerships, all designed to keep your financing needs seamlessly managed under one roof.
Fast, flexible funding for your business.
As specialists in SME business finance, we offer a range of funding solutions to meet your needs. Whether you require a business loan for VAT or tax, funding for Professional Indemnity Insurance (PII), or Invoice Finance to unlock funds tied up in invoices, we’ve got you covered!
Apply Now
Customer experience rating 4.9 /5 
We are on your side
Fast decisions
Our agility is what sets us apart. We turn around most business lending decisions within 24 hours, ensuring swift responses and minimal downtime. After all, time is money, and we’re dedicated to accelerating your success with prompt, efficient service.
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
Invoice Finance
Unlock the cash stuck in unpaid invoices and enjoy the freedom to grow.
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
Require new equipment to scale your operations. We'll help you get it, fast.
Asset Based Lending
Use existing assets to access working capital and fund your next step.
Support from trusted experts.
For over 30 years, we have been a trusted partner for commercial loans, delivering tailored financial solutions that drive growth and stability. Our longstanding commitment to excellence has earned the confidence of our clients, who rely on us for timely, expert support when it’s needed most. We pride ourselves on understanding your unique challenges and providing the financial expertise that helps your business thrive.
“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
At White Oak UK, we concentrate less on transactions and more on cultivating meaningful partnerships. Our focus is on collaborating closely with you to identify the best commercial loan options, building long-term relationships, and providing dedicated support as you advance towards business goal.
“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 UK again