UK small business lending
White Oak UK helps small and medium-sized businesses across a wide range of sectors access the finance they need, with a focus on straightforward funding and personal service. Its range supports everyday business needs and longer-term ambitions, backed by more than 35 years of lending experience.
In 2017, White Oak UK provided over £500m in funding to UK SMEs. In 2018, its own-book lending passed £1bn. These milestones reflect its longstanding role in financing smaller businesses.
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Finance for the needs of your business
The purpose of the funding helps distinguish a short-term cash requirement from the finance needed for a development project, equipment or premises.
- Asset Finance
- Equipment investment through financial leasing and instalment-plan products.
- Business Development Loans
- Long-term funding for key development costs.
- Short-Term Loans
- Tax and insurance liabilities, alongside working-capital needs.
- Commercial Mortgages
- Buying a business property or refinancing existing premises.
- Education Lease
- Investment in education equipment.
Equipment Loans and Asset Backed Loans also form part of White Oak UK's range.
For operating cash flow, the UK offering includes finance for VAT, tax and Professional Indemnity Insurance (PII), as well as Working Capital Loans for short-term liquidity needs. Invoice Finance gives a business access to cash tied up in unpaid invoices before customers pay.
If you are considering existing assets as a source of working capital, White Oak's broader asset-based lending overview explains how collateral and facility limits affect the funds available to draw.
Personal service
A broad range, backed by personal service
White Oak UK combines an extensive product range with established business funding partnerships, bringing several financing needs together with one provider. Its UK-based points of contact take time to understand the business and its priorities, with tailored funding solutions and support for a long-term relationship.
White Oak UK makes most business lending decisions within 24 hours. Where funding is needed for a particular payment or purchase date, the team can discuss when funds would be available. The lending decision and the arrival of money are separate stages.
How to apply
Applying for business finance
White Oak UK's online application starts with the amount and purpose of the funding, followed by business and personal details. Explain what the funding will pay for, any specific costs or suppliers involved, and how it will benefit the business.
As you consider the finance, discuss the repayment schedule, total cost, early repayment terms and any security or personal guarantee required. Understanding those commitments helps you plan for the repayments alongside your other business expenses.
Get in touch
Talk to White Oak UK
Talk to White Oak UK about what you want to achieve for your business and how finance could help. Whether you have an immediate funding need or are planning ahead, the UK team welcomes the opportunity to discuss your options.