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  • Business loans without the red tape

    We've made getting a short or long term business loan simpler, easier and faster than ever before.
    Welcome to the flipside.

    Our straightforward application process, quick decisions and top-notch service are why we're rated a Gold Trusted Service.

    Apply now

Business Loans Icon - White Oak UK

Why choose our Business Loans? 

Our fuss-free business loans could give you the funds you need to grow your business through acquisition, marketing or simply buying extra stock.

Or you could reduce the hit of recurring costs with a short-term loan, anything from Corporation Tax and software licenses, to insurance and VAT bills.

  • Simple to apply - we accept 4 out of 5 applications
  • Funds can be in your account in as little as 24 hours
  • We're rated a Platinum Trusted Service on Feefo


Apply now  
or call
0330 053 6163

  • Borrow from
    £2k - £500k
  • Repay over
    3 mths - 5 yrs
  • Quick decision
    on applications
  • Dedicated Account Manager
  • No early repayment fees

Short-Term Business Loan

Designed to help cover the cost of specific business purposes, our short-term business loans help spread your costs over a 3 to 12 month term, helping to smooth cash flow and free up your capital for investment in other areas of your business.

Your business loan can be used to support a broad range of purposes, including, but not exclusive to:

  • Corporation and Income Tax
  • VAT Payments
  • Working Capital
  • Professional Indemnity Insurance* (PII)
  • Annual Subscriptions and Insurances
  • Practising Certificates
  • Software Licences

Find out more about our short-term business loans here.

*loans available from 10-24 months, but must not exceed the insurance term

Business Development Loan

Our Business Development Loan offers finance for a broader range of investment areas, to allow you to grow your business with significant investment.

Available over an extended loan period of 12 months to 5 years, it helps businesses to finance key development costs, including more intangible requirements, such as:

  • Renovations and Refurbishment
  • Marketing and Advertising
  • Research and Development
  • Stock Purchases
  • Training Costs
  • Acquisitions & Partner Buy In & Buy Outs

Find out more about our business development loans here.

Interest Only Loans

Designed to help businesses navigate short term cash flow pinch-points such as VAT, case costs and acquisitions, our short term, interest only business loan helps you spread costs over a 3 month period, ideal if you are awaiting a large payment or have an immediate requirement.

  • 3 month loan
  • Interest only is repayable in months 1 & 2
  • Final interest payment and balance repayment in month 3
Interest Only Business Loans - White Oak UK

*You will be required to pay a Document Fee along with the first month's interest.

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