Business finance without the red tape

We've cut the red tape and bureaucracy from our business to make it even easier for you to get the funding you need. Welcome to the flipside.

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

Apply now →

Or call us on 0330 053 6163


For over 30 years, we've helped 40,811 small businesses grow with fuss-free finance.

In fact, we approve a new application every 8 minutes, and we're the best rated non-bank lender on Feefo.

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

Stories from the flipside

See how some of our customers have taken advantage of White Oak’s flipside finance.

Graham's Cartons
Alchemy Coffee
Extreme Adventure

Graham's Cartons

Customer Need: Cash flow finance
White Oak UK Solution: Short-term business loan for Corporation Tax

Graham's Cartons is a Liverpool-based family business that’s been a going concern for over 52 years. The company produces corrugated cases and solid board containers for retailers, as well as smaller boxes and packaging solutions. They provide their 100% recyclable cartons, die cuts and pallet boxes to customers all around the country.


What they needed

Colin Graham, managing director of the business, was keen to expand – but irregular cashflow was getting in the way of investment.

How we helped

A short-term business loan let Colin pay that year’s corporation tax bill and spread the expenditure over 12 months, freeing up funds to invest in areas of the business that had great potential for growth.

The result

Graham’s Cartons has invested in bigger and faster machinery, as well as new delivery vehicles. They have taken on a number of new people, allowing the company to keep up with heavy customer demand and turn orders around in just days.

They’ve also been able to take on some larger customers, including a north-west football club, packing memorabilia, such as old football ground seats, into display cases to be shipped worldwide.

“White Oak made it simple and straightforward for me to access finance for what was a considerable cost. Spreading our Corp Tax over 12 months meant we could focus our full attention on developing our business, including moving into bigger premises and taking on a well-known football club as a client.”
Colin Graham, Managing Director

"Covering the cost of Corporation Tax is one way for businesses to unlock their money to develop other areas of their business. To see that Graham's Cartons have been able to expand off the back of this short-term investment is a testament to this."
Andy Davies, Sales Director, White Oak UK


Alchemy Coffee

Customer Need: The mother of all roasting machines
White Oak UK Solution: Asset Finance

Joe O’Hara, owner of coffee importer, roaster and retailer Alchemy, once built oilrigs in Texas. But he caught the coffee bug on honeymoon in Central America – so much that he gave up Texas oil for Wimbledon coffee, setting up Alchemy and growing it from a tiny coffee events company to a premium wholesaler and retailer.


What they needed

A rather special 85-year-old coffee roaster. Why? Because it was built to a level of quality that doesn’t exist anymore, allowing for more consistent roasting. But the roaster was rare, expensive and needed a complete restoration – and that’s where the problems began.

As Joe put it: “You go to a bank and say the roaster is 75 years old; you say it’s in a warehouse in Germany and it needs to be completely restored. You say you’re buying it in euros and then shipping it over to Britain. We went to a few banks, but they couldn’t understand it.”

How we helped

We had already worked with Joe and were pleased to help Alchemy this time too, with asset finance for the purchase and restoration of the roaster.

The result

As well as supplying retailers, Alchemy has a café near St Paul’s, with further expansion planned. The new roaster is a central part of this, maintaining the coffee’s premium quality as well as increasing volume.

“When the bank doesn't understand it, White Oak does!”

Joe O'Hara, Owner

"One of our most interesting stories to date, we are proud to have been able to help Alchemy with providing the money needed to restore their vintage coffee machine. We hope to be able to assist with any future plans Alchemy have to growth their business."
Andy Davies, Sales Director, White Oak UK


Extreme Adventure

Customer Need: Grow Britain's first mobile ninja assault course
White Oak UK Solution: Business Development Loan, Asset Finance and Hire Purchase

Based in Cheshire, Extreme Adventure specialises in adrenaline: extreme assault courses, laser mazes, slackline tightrope walking, zorbing and sniper training. The family-owned business is always trying new ideas, like segway obstacle courses and racing, or the first ever mobile high-level rope climbing and activity course.


What they needed

Diana Caldwell, director of Extreme Adventure, needed funding to allow the company to keep coming up with new, more extreme adrenaline adventures. This meant new kit and lots of new overheads (of the less adrenaline-filled kind).

How we helped

We've worked closely with Extreme Adventure for several years, arranging a number of finance options, including a business development loan for a brand-new ninja assault course and asset finance for Segways, bubble cannons, mobile high ropes and vehicle simulators.

The result

Extreme Adventure have been able to carry on with what they do best - scaring the pants off more and more customers. This has significantly pushed up their profits and turnover. New events include the UK's first mobile ninja assault course - a chance for people to test themselves against the course (which includes the tilting beam and warrior steps). against each other, and against the clock.

"White Oak are always keen to discuss the options available to us, and to find a solution for any purchases that we require to evolve our new projects – no matter how unusual!”

Diana Caldwell, Director

"The level that the business has been able to invest and grow through finance is a great success story and demonstrates that finance is something that can be embraced by even the most diverse of industries."
Andy Davies, Sales Director, White Oak UK


Ways we can help

3-12months Calendar
The Shorter Loan

A short-term business loan that lets you spread out costs over 3-12 months, smoothing cash flow and freeing up cash for investment in other areas of your business.

Our customers use the Shorter Loan for things like Corporation, Income Tax and VAT payments, annual insurance bills, Private Indemnity Insurance and software licenses. But we’ll consider a broad range of business purposes – just get in touch with us to discuss your specific requirements.

1-5years CalendarThe Longer Loan

A loan option that helps you cover a wide range of costs over a period of 12 months to 5 years.

Our customers use this option when they’re looking to develop their business – for example by undertaking renovations and refurbishment, increasing their marketing activity or even acquiring a new business or buying out a partner.

Again, we will consider a broad range of business purposes.

Asset Finance Tab
Asset Finance

A variety of finance options for the equipment your business needs to thrive.

Our customers have used asset finance for everything from computers to bubble cannons.

We can help you choose between a finance lease, hire purchase, commercial loan or a vehicle lease – just get in touch with us to discuss your specific requirements.


Business the White Oak way

Welcome to the flipside. Where finance isn’t a chore. It’s just a simple tool to help you run a successful business.

  • We’ve cut out all unnecessary bureaucracy, so you’ll get the money you need in less than 24 hours and often as little as 4 hours
  • You’ll always speak to the same person on the phone
  • We accept 4 out of every 5 applications

Meet some of our satisfied customers

Apply now →

The £35 billion black hole

Getting a traditional business loan can be a long and frustrating process. For many people, the gain just doesn’t outweigh the pain.

So it’s no surprise that British small businesses are underfunded by a whopping £35bn. Because they apply for funding less often than they could. And some don’t apply at all. That means many firms are missing out on funds to smooth cash flow, renew vital business equipment and support expansion plans.

Download our guide to flipside finance to discover the benefits of using finance as an everyday business tool, and find out why 9 out of 10 customers would recommend us to friends and family.

PDF Tab11 ways to make money work for your business

For over thirty years we've helped thousands of small
businesses with multi-purpose loans and finance.



Convenient ways to apply

We’ll work around you. You can give us a call on:

0330 053 6163