A UK lending platform that turns ambitions into reality


For more than 35 years we’ve been helping SMEs and mid-corporates access the funds they need. We’re an independent UK provider which means we can offer tailored, flexible finance solutions, and we can do it fast.
Renowned for our upfront and honest approach, we prioritise empowering businesses with the confidence and freedom to thrive, all while delivering a personalised service. That’s why over 50,000 businesses place their trust in us.
Our head office is located in Chester, North West of England, with additional offices in London and Glasgow. Wherever you are in the UK, we are ready to partner with you.

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

Founded in 2007, WOGA is an SEC-registered investment advisor and private credit firm that provides small and middle market businesses with term loans, asset-based loans, invoice factoring, trade finance, equipment financing and treasury management. With over $20 billion of capital deployed since inception across over a thousand companies throughout the U.S., Canada, and Europe, we understand the unique challenges facing small and middle market businesses and we offer a full suite of flexible lending products and services to meet all of your commercial requirements.

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 UK.

Our Values


Working together is when great things happen. Strong communication, knowledge sharing, and nurturing relationships helps us get the best results for customers.


A culture of agility and constant improvement means we can respond to customer demand. We listen, we adapt, we change and we’re always looking for new and better ways.


Doing the right thing is key to building trust and meaningful partnerships. Integrity, respect, and professionalism are non-negotiable at White Oak UK.


Every one of us is committed to delivering the very best. We hire top talent and accountability and empowerment helps our team reach the highest standards.

Our Experience

4 hours

Average decision turnaround


Repeat customers


Average loan size

Our Team

Jean-Marc Torre

Chief Executive Officer

Andy Davies

Managing Director Leases & Loans

Melinda Crocker

Chief Operating Officer

Pawel Lo Giudice

Chief Financial Officer

Douglas Banks

Director of Treasury

Ross Rutherford

General Counsel

Nick Isaacs

Chief Risk Officer

Chris Heeley

Chief Credit Officer


Join our team

Want to be part of a team that makes a real difference? Find out more about life at White Oak UK.




Are you an ambitious intermediary?

Become a White Oak UK intermediary and you’ll be an extension of our team. Together we can find funding solutions that work for your clients and for you.

Our Partners

The breadth of our funding sources means we have the flexibility to support mid-sized businesses across the full credit spectrum, offering mid-market loans as well as acting as a small business lender. So there’s more agility and less bureaucracy from proposal to payout.

“We pride ourselves on cultivating authentic business relationships with our funding panel, enabling us to thoroughly grasp their lending appetites and requirements. This commitment ensures that our customers ultimately receive the best-tailored products on the market, perfectly suited to their specific needs”

Steph Reynolds