FAQs

• What is technology and digital finance?

  Technology and digital finance provides funding solutions tailored to established tech businesses, helping support cash flow, fund infrastructure, and invest in growth across software, IT services, and digital platforms.

• Am I eligible?

  Eligibility is based on trading history, financial performance, and funding requirements. We work with established technology and digital businesses across a wide range of sectors.

• How do I apply?

  The process is straightforward. Submit your details and our team will review your requirements and guide you through the next steps quickly and efficiently.

• Do technology startups qualify?

  White Oak UK primarily supports established businesses with a trading history of three years and over rather than startups.

• Can I finance IT equipment and hardware?

  Yes. Asset finance can support purchases including servers, laptops, networking equipment, telecoms infrastructure, and specialist technology equipment.

• What information is needed to apply?

  Most applications require basic business and financial information. Additional documentation may be requested depending on the funding type and amount.

• Why do technology businesses choose alternative lenders?

  Many technology businesses choose alternative lenders because they offer faster decisions, more flexible underwriting, digital application journeys, and funding solutions designed for modern business models.

• Can I get funding without affecting my credit score?

  White Oak UK offers eligibility checks using a soft search process, allowing businesses to explore funding options without impacting their credit score.

• How quickly can technology businesses receive funding?

  Many funding decisions can be made quickly, with some applications reviewed & decison made within hours, depending on the complexity of the application and the supporting information required.

• Can digital agencies use invoice finance?

  Yes. Digital agencies often use invoice finance to improve cash flow while waiting for client payments.