Rating based on 39 reviews

White Oak


  • Business loans up to £500,000
  • Tailored finance
  • Repayment up to 5 years

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White Oak homepage

Author White Oak. Screenshot of White Oak website. [Accessed April 26, 2020]

About White Oak

White Oak has a very simple mission. To help smaller businesses get the finance they need with the minimum fuss as possible. We have been providing business finance in the UK for more than 30 years.

We are very proud to have been named the UK’s number one non-bank business finance provider. With our wealth of knowledge, we are helping small businesses thrive and strive for excellence in all we do.

The human approach

In an age where technology is everything, we prefer to take the human approach. This applies to our consultants understanding the needs of your business to our credit team who make sound and passionate decisions.

This does not mean we believe in the old fashioned way of financing a business. We offer cutting edge technology to simplify the loan application process and make it as easy as possible for you. We integrate the human side with technology.

Get funding to work for your business

With our award-winning finance, we are designed to offer a range of finance for businesses. Even those businesses who had trouble getting finance in the past. We accept four out of every five applications, and you can have access to your funds in a little as 24 hours.

Getting a short or long-term business loan is simpler, faster and easier than ever before. Getting the finance you need to make your business grow, will free up the time you spend on worries about money. And allow you to focus your energy on growing your business.

White Oak Services

At White Oak, we offer different types of loan options. This enables us to assist more businesses than other finance providers. We offer tailored finance agreements to suit your specific needs.

You can choose between a short-term loan, Business Development Loan or Interest Only Loans. No two businesses are alike, and we understand that a unique business requires a unique approach to finance.

Why choose a Business Loan with us?

White Oak's fuss-free business loans could give you access to the funds you need to grow your business through marketing, acquisition or simply buying stock and paying staff. You can even utilize your business loan to reduce any short-term finance you may currently have that carries high-interest rates, pay Corporation Tax, insurance or software licenses.

Across our range of business loans, we offer the following:

  • Loans from £1,500 to £500,000.
  • Simple application process
  • Repayment terms range from three months to five years.
  • Funds available in as little as 24 hours.
  • You will get your dedicated Account Manager who will assist you for the duration of your loan with us.
  • And we will never charge you early repayment fees.

White Oak – Business loan

  • Loan Type Business loans
  • Loan Amount up to £500,000
  • Repayment 3 months to 5 years

Benefits of White Oak

  • A simple application process
  • Flexible repayment terms
  • Funds available in as little as 24 hours

Business loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

We understand that managing cash flow can be a challenge for a small business. 

This type of loan is designed to help cover the cost of specific business purposes. The repayment term offered on a Short-term Business Loan range from three to twelve months.

This type of loan can be used to cover a range of business purposes, from paying a tax bill, to smooth your cash flow over while waiting for income. It will help to smooth cash flow and free up your capital for investment in other areas of your business as needed.

Business Development Loan

When it is time to build your small business, you need simple, straightforward finance options to take you further. A Business Development Loan offer finance for a larger range of investment. This will allow you to grow your business with a significant investment.

This loan can be used for recruitment purposes, acquisition of more equipment and stock, refurbishments, building renovations or any other initiative that will help you to grow your business. The repayment term offered range from one year to 5 years.

Interest Only Loans

Interest-only loans offer a cash solution for your business over a short period. This is a loan that is repayable within three months. You will only be charged interest in months one and two, with the balance due in month three.

It will help your business if you are awaiting a large payment from a customer but still have to cover the monthly costs of running the business. You can also utilize an Interest Only Loan to navigate short terms cash flow problems, such as acquisitions and VAT payments.

Loans for new businesses

At White Oak, we have assisted many new businesses over the years. Even the biggest businesses have to start somewhere. In the early stages of a new business, when you need to invest in the equipment you need to get you off the ground, finance is essential.

To apply for a business loan as a start-up business we would request a business plan. If available, we will request 3 months’ business bank statements and proof of a loan if you currently have one, and the last set of full business accounts.

We understand that every business is unique and we try to be flexible to help businesses of all shapes and sizes obtain the finance they need. One of our finance specialists will help you find the right solution for your business.

Customer Reviews & Testimonials

October 2019

It was refreshing to deal with actual people on the other side of a phone line, rather than talking to a computer the whole time. Superb service

W Oliver
— Hawks Ridge —

November 2019

I did not hold out any hopes of finance for my new business venture and could not believe how easy and quick it was

G Mitchell
— Hampshire —

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