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.
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.
Refer your clients with confidence
Enrich your client relationships by offering your customers access to our award-winning business loans and asset finance.
Carl D'Ammassa
Chief Executive Officer
Carl leads White Oak’s UK and Irish operations, having previously held the position of Group Managing Director – Business Finance at Aldermore Bank, a UK challenger bank. Under his leadership, Aldermore’s business lending franchise grew to originate c£1.9bn of new lending per annum and a balance sheet of c£3.5bn, across its asset, invoice, working capital, specialist and commercial property finance products. Carl has extensive divisional managing director and CEO experience built across a number of UK based businesses, having started his financial services career at GE Capital, and later holding positions at Hitachi Capital and Hydrex Equipment UK Ltd. He has previously been Chairman and a Board Director of The Leasing Foundation in the UK and was a Non-executive Director of AFS Group Holdings Ltd. Carl holds a BSc (Hons) degree in German, Economics and International Business from University of Surrey.
Andy Davies
Director of Sales
Andy’s career in sales spans over 30 years. Since joining White Oak UK in 2002, he has held a number of management roles within the business, primarily focused on sales origination. His primary focus is to drive the success of the Group sales function and to oversee the development of new products as a means to serve an increasingly diverse customer audience. Andy is responsible for the sales functions across all offices within White Oak UK.
Kat Applewhite
Director of Operations
Having previously worked for Bank of America, Kat joined White Oak UK in 2006 as Training Manager. Since joining the business, Kat has held a number of senior positions, all of which have been predominantly focused on business improvement, including Head of Supplier and the creation of the White Oak UK Projects Team. As Director of Operations, Kat oversees MI & Data, Projects, Marketing, Facilities and Administration, with overall responsibility for Compliance, AML and Legal functions within White Oak UK.
Phil Brereton
Director of Finance
Phil joined White Oak UK in 1998 and is the longest serving member of the Board. Phil held senior positions as Head of Sales Support and Financial Controller, before taking up his role as Director of Finance, with responsibility across White Oak UK. An ACCA-qualified accountant, Phil oversees the wider Finance Team, alongside a number of internal support teams, including Payouts, Collections and Customer Service Functions.
Chris Heeley
Director of Credit
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.
Ray Corcoran
Director of IT
Ray joined the business in June 2016 as Director of IT, with responsibility for the overall groupwide technology function. With over 20 years’ industry experience, Ray has held a number of senior management roles in financial services, manufacturing and oil and gas industries, with a focus on the delivery of industrial strength solutions. Ray has overall responsibility for IT infrastructure, development, quality assurance and Data and MI functions for White Oak UK.
Allan Ross
Director - Industry Development
Allan has been in the financial services industry for almost 40 years, holding positions across the finance industry, from RBS and Nationwide, to Barclays Mercantile. He has specialist experience within the direct SME, vendor and agricultural markets, using this experience to form First Independent Finance in 1999. In 2015, Allan became a Director when First Independent Finance were acquired by LDF Group, later to become White Oak UK.
