A Broker- Funder Partnership Built on Trust, Speed, and Consistency: MacManus Asset Finance and White Oak UK 

In commercial finance, strong outcomes are rarely achieved in isolation. Behind every successful deal is a network of aligned professionals – brokers, funders, underwriters, and clients – all working toward a shared objective. At White Oak UK, teamwork is paramount.

Our long-standing partnership with MacManus Asset Finance is built on shared values, clear communication, and a joint commitment to delivering fast, well-structured funding solutions for UK businesses.

The quality of our broker relationships directly influences the quality of outcomes for end clients, which is why we only work with partners who share our commitment to client satisfaction. MacManus Asset Finance is one such example. Their focus on transparency, suitability, and service aligns closely with our own approach to lending, culminating in a consistently strong experience for SMEs.

Why Broker Relationships Matter to Us

As a funder, White Oak UK relies on trusted broker partners to help connect the right businesses with the right solutions at the right time. Our responsibility is to provide clear products, competitive pricing, and dependable service that brokers can confidently present to their clients. We know that brokers like MacManus Asset Finance must balance two key duties: acting in the best interests of their clients, and working only with funders who support efficient, ethical and transparent processes.

To enable this, we focus on:

• A clear and consistent credit appetite that brokers can understand and rely on
• Competitive, sustainable pricing tailored to real-world business needs
• Efficient underwriting that supports speed without sacrificing diligence
• Open, broker-friendly communication from enquiry through to payout

MacManus Asset Finance has held us to these standards over many years, and we are proud that our partnership continues to meet – and often exceed – their expectations.

A Shared Focus on VAT Finance

VAT loans have been a central focus of our collaboration with MacManus Asset Finance, reflecting how important this product is for many UK SMEs. VAT liabilities are predictable, time-sensitive, and unavoidable, which means businesses need funding that delivers certainty and speed rather than complexity or delay.

At White Oak UK, our philosophy is that VAT funding is not simply a distress tool. Instead, it is a strategic way for otherwise healthy businesses to smooth cash flow, protect working capital, and avoid drawing down reserves to meet HMRC deadlines. This mindset has always aligned closely with MacManus Asset Finance’s approach to advising its own clients.

Our VAT loan offering is designed to be:

• Competitively priced, so the facility makes commercial sense
• Sensibly structured, with terms that match clients’ cashflow realities
• Straightforward to understand, quote, and implement

This allows brokers like MacManus Asset Finance to position VAT loans as a proactive cashflow management tool, rather than as a last resort, helping clients to plan ahead with greater confidence.

Speed Without Compromise

Speed is often where broker–funder relationships are tested. One of the most common frustrations for brokers is when early-stage conversations, headline terms or initial indications fail to match the final underwriting outcome. At White Oak UK, a core part of our partnership ethos is maintaining consistency from first discussion to final decision.

In practice, this means:

• Indicative terms that are meaningful and realistic
• Credit decisions are delivered promptly once information is received
• Underwriting queries that are relevant and proportionate to the case

For MacManus Asset Finance and its clients, this reduces friction and uncertainty throughout the process. The result is a smoother funding journey, where everyone understands expectations and timeframes from the outset. In many VAT cases, our ability to make swift underwriting decisions has been the difference between a client meeting a crucial payment deadline and facing unnecessary stress or penalties. That reliability helps brokers recommend White Oak UK with confidence, knowing we are focused on getting to the right answer quickly and transparently.

Relationship-Led, Broker-Centric Engagement

Beyond products and turnaround times, White Oak UK places significant importance on how we work with brokers day to day. We take a relationship-led approach, recognising that brokers are key partners, not just intermediaries. With MacManus Asset Finance, this has translated into a genuinely collaborative way of working.

Our teams engage in:

• Direct, professional and candid communication
• Open discussions around challenges or nuances in a deal
• A willingness to assess proposals on their commercial merits, not just tick-box criteria

For brokers, this creates the space to have honest, informed conversations with their clients, knowing that we will take context into account when assessing a facility. Like MacManus Asset Finance, we prioritise long-term relationships over short-term wins. We see broker relationships as partnerships built on mutual respect, consistent delivery, and a shared commitment to doing the right thing for the end client.

Delivering Better Outcomes for Clients

Ultimately, every broker–funder relationship must be judged by what it delivers for businesses on the ground. Working closely with MacManus Asset Finance, we have been able to support clients with:

• Faster, more predictable credit decisions
• Clear, competitive and transparent terms
• Reduced uncertainty at time-critical moments such as VAT deadlines
• Enhanced confidence in the funding solution being recommended

These outcomes strengthen both our reputation and that of our broker partners. When clients receive a smooth, collaborative experience, they are more likely to return for future funding needs and to recommend their broker and funder to others. That long-term trust is exactly what White Oak UK aims to build in every relationship.

A Message to Brokers

From White Oak UK’s perspective, our work with MacManus Asset Finance underlines what is possible when funder and broker are aligned. For brokers who have not yet engaged with us, the message is simple: we understand the broker’s role, respect the value you add, and are committed to delivering consistently in demanding areas such as VAT finance.

Joe Ralphs, Head of Intermediary Sales at White Oak UK:

“We have always enjoyed a strong working relationship with MacManus, but a renewed focus and deeper mutual understanding made 2025 our most successful year to date, delivering a 66% increase on the previous year. This success is largely driven by our shared commitment to providing customers with a simple, efficient funding solution for VAT and tax liabilities. Together, we have developed a stronger collaborative approach, where MacManus clearly understands our objectives, and we can deliver against their requirements both efficiently and commercially. I’m excited to see what 2026 will bring”.

We aim to offer:

• A broker-friendly credit appetite that is clear and actionable
• Competitive and sustainable VAT and working capital solutions
• Efficient underwriting that supports your service promises to clients
• A relationship-driven approach from experienced UK-based teams

For brokers seeking a dependable partner who enhances rather than complicates the client journey, we are ready to engage, listen, and build the same kind of long-term collaboration we enjoy with MacManus Asset Finance.

Looking Ahead

Strong partnerships are not built overnight; they are earned through repeated delivery, transparent communication, and mutual respect. Our relationship with MacManus Asset Finance reflects these principles in action. As the market continues to evolve and client expectations rise, White Oak UK remains committed to adapting alongside our broker partners.

We will continue to invest in speed, consistency and product development, particularly in areas like VAT finance and working capital solutions where timing is critical. Most importantly, we will continue to prioritise relationships built on shared values and a joint focus on achieving better outcomes for UK businesses.

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If you are looking to find the right finance for your business, contact us today.

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