• About LDF
  • 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.


of funding
delivered in 2017


Deals in 2017


Average Deal
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Live Clients

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

Peter Alderson

Peter Alderson

Managing Director

Since joining the business in 2012, Peter has maintained overall responsibility for all businesses across White Oak UK, including HR, Training and Strategic Business Development. Prior to his role at White Oak UK, Peter has held various senior level positions across the globe, at leading financial firms including, Kleinwort Benson Ltd, Commonwealth Bank of Australia and Alleasing, an Australian-based independent RV lessor. In 2017, Peter was appointed as a Director on the board of the Leasing Foundation, helping to drive positive change in the industry.

Andy Davies

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

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

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

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

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

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.

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
Find out more

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.

CEO Awards 2016 Winner - Flintshire Business Awards leasing-life-2017 Leasing World Award 2017 SME Awards - Alternative Funder of the YearInnovator of the Year 2016Business Comparison Asset Finance Lender Award Growing Business Award - Amazon