Commercial Loans

Take control with a fast and flexible loan.

Our working capital and business development loans are designed for SMEs and mid-corporates. They can help you with everything from expansion to managing cashflow.

The Facts

  • Fast funding within one working day
  • Can be used for a range of purposes
  • Secured and unsecured lending
  • Repayments tailored to your business
  • Your own relationship manager

Key Terms

  • Borrow from £25k to £2m
  • 12-48 months repayment terms
  • Flexibility around options

Eligibility Requirements

  • UK SMEs and mid-corporates
  • Turnover between £200,000-£45M
  • Trading for three years or longer
  • Track record of profitability
  • Limited Company, Limited Liability Partnership, Sole Trader and Partnerships

We make it effortless

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Customer experience Read reviews

Types of Commercial Loans

Corporation Tax and VAT

Manage tax and VAT with a short-term loan and fixed monthly repayments.


Keep your cashflow steady while recovering outstanding business debtor receipts.


We can fund most insurance premiums over a range of repayment terms.


If you need to build your team we can help you cover the cost of recruitment.


Spread the cost of funding your business acquisitions.

Partner buy in/out

Cash flow can be disrupted during a buy in/out, we can help you keep it steady.


Taking on a refurbishment project? We can help with improvements. 

IT & Subscriptions

Infrastructure upgrades can be costly, we can help you spread the payments.

Frequently Asked Questions

“Whether it's a short term VAT loan or a longer term business development loan requirement, White Oak have a broad range of working capital loan solutions to suit most lending needs. We specialise in commercial loans whether it's for a solictor's firm Professional Indemnity Insurance, or for a Tax bill for a construction company. Supporting SME's with their growth is at the heart of what we do. ”

Hollie Brimble

Direct Lending Consultant

Customer Stories

Giving a global FMCG wholesaler the upfront capital to take control of their supply and maximise profits.

View Customer Story

Here to help if you need us

Contact our UK-based team if you have any questions