Commercial Loans
Take control with a fast and flexible loan.
We make securing commercial loans effortless. Our commercial finance brokers work closely with a wide range of commercial finance lenders to find the best financing options that suit your business goals.
A commercial finance broker simplifies the funding process by acting as a middleman between businesses and lenders. They utilise their expertise and relationships with various commercial finance lenders to identify financing options tailored to your specific business needs.
Benefits
- 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
Types of Commercial Loans
Corporation Tax and VAT
Manage tax and VAT with a short-term loan and fixed monthly repayments.
Debtors
Keep your cashflow steady while recovering outstanding business debtor receipts.
Insurance
We can fund most insurance premiums over a range of repayment terms.
Recruitment
If you need to build your team we can help you cover the cost of recruitment.
Acquisition
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.
Refurbishment
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
What is a commercial loan broker?
A commercial loan broker works between businesses seeking financing and lenders offering commercial loans. Their role is to help businesses find and secure the best loan options tailored to their specific needs, whether for working capital, property acquisition, equipment financing or business expansion.
What can a commercial loan be used for?
Our commercial loans can be used for a wide range of purposes. Whether you need a loan to assist with tax payments, staff recruitment, IT equipment installation, or other working capital requirements, we are here to help.
Who can use White Oak UK’s commercial loans?
Businesses which are incorporated in the UK, sole traders, and partnerships.
Are White Oak UK commercial loans secured or unsecured?
We offer both secured and unsecured commercial loans. Personal guarantees are typically required for loans to limited companies, and debentures may be requested depending on the size of the transaction.
The type of security required will depend on the assets a business can offer as collateral, such as property, stock, or equipment and vehicles. If security is taken, it may limit the business’s ability to freely deal with the asset in question. For example, selling the asset may require the lender’s consent.
What should you consider when taking out a commercial loan?
The total cost of the commercial loan, including interest and charges, will depend on the business’s credit history. It is important to carefully evaluate these costs before deciding whether a commercial loan is the most suitable solution for your business. In some cases, a personal guarantee may be required.
How does a commercial business loan from White Oak UK differ from a bank loan?
Bank loans traditionally take a ‘one size fits all’ approach, which means you won’t get a product that is exactly tailored to your needs. Commercial business loans from White Oak UK, not only do we discuss your exact requirements with you, but we are also fast – from initial consultation to proposal to payout, the process can be complete within a matter of hours
Will my credit score be affected if I apply for a Commercial business loan?
Yes – any finance application you make will be permanently recorded on your credit score, which is why we suggest only applying for finance that you’re confident you can repay. We can advise you on your best options, or you can even check your eligibility without affecting your credit score here.
Can I apply for more funding during my loan term?
Yes – providing you are able to demonstrate good payment history and you’ve already paid back a certain amount of your loan, we can often work with you to free up more funds should you need to. This will depend on your unique terms though, so make sure to mention this during your application process if its something you think you’ll need in the future.
“Whether it's a short term VAT loan or a longer term business development loan requirement, White Oak UK 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 loan, 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.
Here to help if you need us
Contact our UK-based team if you have any questions
