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  • We're the #1 UK non-bank business finance provider on Feefo

    We are helping small businesses thrive. As one of the largest independent lenders to small businesses, we have a wealth of knowledge and strive for excellence in all we do.

A rich history of helping businesses like yours

For more than 30 years, we've helped thousands of entrepreneurs and business owners across the UK by bringing money into their businesses – not bureaucracy.

Our mission is simple: We're here to help businesses like yours get the finance you need with as little fuss as possible. White Oak UK is part of White Oak Global Advisors.

Get in touch

White Oak UK is the new name for LDF. Find out more here.


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Business Loans from the flipside

Business Loans without the red tape

Take the sting out of recurring expenses with a short-term loan, or speed up growth with a development loan.

Business loans

Asset Finance

Get the equipment you need with fuss-free asset finance

Purchase the equipment you need to operate efficiently and effectively, without having to pay the full amount up front.

Asset finance solutions

introduce solution

Refer your clients with confidence

Enrich your client relationships by offering your customers access to our award-winning business loans and asset finance.

Discover more

Andy Davies - White Oak UK

Andy Davies

Managing Director - Lease & Loan

Andy’s career in business finance spans over 30 years. Since joining White Oak UK in 2002, he has held a number of senior management roles, primarily focused on sales origination. Responsible for all sales divisions functions across the Group, Andy also leads the continued development of new and increasingly diverse products, across an evolving portfolio. Andy was part of the Board who supported our move from Private Equity to Investment backed in 2018, delivering a smooth transition to new ownership and became Managing Director of the Lease and Loan business in 2020.

Andrew Gadsby - White Oak UK

Andrew Gadsby

Director of Finance

Andrew joined White Oak UK in 2020, with responsibility for Financial Planning & Analysis, Financial Control and Treasury. Andrew is a chartered accountant having trained with KPMG in London. After qualifying he worked in the City in investment banking with both Dresdner Kleinwort and Morgan Stanley. After a spell working in the Corporate Banking division at RBS, Andrew made the move into Asset Finance, first as Finance Director for Lombard, Director of Finance, Operations and Risk at Lombard Technology Services followed by a move to PEAC Finance UK as Finance Director. Andrew was also a Non-Executive Director at JCB Finance during his time at Lombard.

Chris Heeley - White Oak UK

Chris Heeley

Director of Credit Risk

Chris joined White Oak UK as graduate in 1999, and during his time with the business he has held various positions within the Credit Risk function. As Director of Credit, Chris oversees the end to end credit function for the White Oak UK, including our own book lending division - through which the majority of White Oak UK's deals are processed - our external funder support teams and a team of internal underwriters.

Why Choose White Oak UK?

  • No red tape, so you can receive funds in as little as 24 hours
  • We accept 4 out of every 5 applications
  • Apply quickly and easily with E-sign loan documents
  • You’ll always speak to the same person
  • Free up cash flow for other areas of your business
  • Tailored finance agreements to suit your specific needs

Apply now →

Views from the flipside

What our customers say

We could not have been happier. Banks as usual were a nightmare - they took over six weeks to eventually refuse for vague reasons unexplained. White Oak UK were professional, helpful, friendly, and best of all, fast.

credit-awards2018 Winner - Flintshire Business Awards leasing-life-award2018 leasingworld2018-1 SME Awards - Alternative Funder of the YearInnovator of the Year 2016Business Comparison Asset Finance Lender Award Growing Business Award - Amazon