Rating based on 39 reviews

White Oak

Updated
  • 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 May 17, 2023]

About White Oak

Searching for a business loan can more times than often be a very torturous activity.

The team at White Oak knows this and understands that sometimes a business loan is the only thing standing between you and your goals. White Oak has put together a few solutions for everyday people with big ambitions.

From humble beginnings to the greatness

White Oak was founded in 1986 and its headquarters are situated in the UK. With their capable team of 170 professionals, they are helping over 20,000 businesses manage their money successfully.

They have a pliable and well-thought-through angle to provide business loans and it shows in their 4.9 out of 5 rating as the number 1 non-bank business in the UK.

Their main goal is to improve lives

White Oak knows that there are often numerous possibilities why people would need to obtain a business loan. Each situation is unique on its own. You might want to expand your business with a new venture or you just need to stabilize your cash flow. Whatever reason you might have, White Oak can help you.

They have never backed down to a challenge and they highly value every customer. Not only do they provide business loans but they assist people in many other financial matters that are business-related. 

White Oak business loans 

When you take a business loan from White Oak there is one thing that you can be sure of. Since their establishment in 1986, they have kept to their values of being there for the long run. They understand that with the right advice and assistance, ordinary people can reach great things.

White Oak Services

It does not need to be a daunting thought, with a business loan from White Oak you will be well on your way to prosperity.

Utilizing White Oak business loans

  • New projects and company growth initiatives.
  • Acquiring business acquisitions.
  • Affording partner buy-ins or buy-outs.
  • Conducting research and business development.
  • If you want to renovate or refurbish your business building.
  • You need to purchase stock.

Helping you achieve greatness is their concern

At White Oak, there is no end to the means that they will resort to, to help their customers reach their successful end goal. Going the extra mile to help you thrive is what they’ll do throughout the term of your business loan.

What to expect with a business loan

When it comes to aiding you to become great they have a wide variety of flexible, tailor-made business finance options for you to choose from.

They offer business loans between £25,000 up to £2m. So whether you are planning a small start-up business or just need to get the capital to expand on existing happenings, they will have a business loan option to suit your unique need. With repayment options of between 12 to 48 months.

Asset finance for your business

Their asset finance is a business loan that was made with you in mind. Being a long-term investment in growth it serves to give you better control over your finances. Having a lump sum to acquire assets is sometimes difficult. With the option of taking out an asset finance business loan, you can make the load on your cash flow lighter.

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

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The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

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

They provide only the best business loan solutions and support to their customers.

The successes of their customers are their pride and they will stick around to celebrate with you. When the time comes for you to make a change to better your future and a business loan is the only thing standing in your way, White Oak has your back.

The eligibility for applying for a business loan

  • You need to be trading for at least 3 years.
  • You need to provide a history report of your profitability.
  • You need to show that your business loan will be applied for business growth.

Starting the application

When completing the following details they will be able to perform an initial application check which will not show up on your current credit score. Some of these questions include:

  • Your business name.
  • The industry you are trading in and what your turnover is.
  • How long you have been trading and how much do you want to borrow.

Step one

You can navigate to the White Oak homepage and click on the apply now button. You will be directed to the page where you can complete an initial application and they will call you back to discuss the right business loan option for your unique needs.

Step two

Upon discussion, they will tell you what documentation you need to supply for them to complete your application. Once all documentation is in order, your business loan application will be submitted for consideration.

Step three

As soon as your business loan application has been reviewed and all documentation is in order, you will be notified whether your business loan has been approved. When approval takes place, you will receive the necessary documents for your signature. Sign them if you are pleased and send them back.

Step four

Your business loan amount will be paid to you shortly, so you can become a part of one of their success stories.

Benefits of White Oak

  • They offer tailor-made business finance.
  • The business loan application process is quick and easy.
  • You get flexible repayment terms on business loans.
  • They don't charge for early repayments on your business loan.
  • They are your partners from the start.
  • Impeccable customer support.

When considering an asset finance loan it is good to know what it can be used for to establish if that is the answer for you. Here is the list

  • You want to buy new or good condition used equipment.
  • You want to refinance or upgrade your existing finance.
  • You want to finance untainted assets.

Customer Reviews & Testimonials

October 2021

We realized that we needed to expand our business and that we would need to seek a business loan to be able to do that. A friend recommended that we approach White Oak. We were pleasantly surpris...

Sophia D
— York —

July 2021

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

Mitchell G
— Hampshire —

July 2021

We would just like to thank White Oak for the tremendous help that they have given us throughout the whole business loan process. We gained friends in the business and they have gone above and be...

James A
— Bath —

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