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.

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

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

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

Refer your clients with confidence

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

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Meet the White Oak UK team

With over 200 employees across five locations in the UK and Ireland, we're committed to ensuring our customers get the right finance – every time.

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

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

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.