We are accredited under the Coronavirus Business Interruption Loan Scheme (CBILS). Check your eligibility & apply today. Find out more →

White Oak UK
New Customer: 0330 053 6163  Existing Customer: 0330 058 0837
  • Short term business loans from the flipside of finance

    • Short-term business loans

    We've cut the red tape to make it simpler, easier and faster than ever before to get a short-term business loan over 3-12 months. Welcome to the flipside.

    It's straightforward to apply and we'll give you a quick decision. In fact, we say yes to a new short term business loan application every 8 minutes.

    Get in touch

We understand that running a small business means that managing cash flow can be a challenge.

Our short-term business loans can cover a range of purposes, from paying a tax bill to smoothing your cash flow while waiting for income.

Short-term business loan from White Oak UK

With over 30 years' experience working with small businesses we understand that every business is different. So we'll listen to exactly what you need and suggest the best short term business finance option for you.

  • Unsecured loans from £2k - £500k
  • Fixed payments over 3-12 months
  • Simple to apply, no red tape
  • We accept 4 out of 5 applications
  • Funds in your account in as little as 24 hours
  • We're rated a 5 star Platinum Trusted Service
  • We've helped over 40,000 small businesses
  • Interest only loan available (3 month term)

We say YES to a new application every 8 minutes

Talk to our finance specialists today about what you need to cover and we'll do everything we can to find the right short term loan for your business.

Call us to discuss what you need on 0330 058 0836 and speak to someone in our team who understands your business.

Apply now  
or call 0330 053 6163
  • Borrow from £2k - £500k
  • Repay over 3-12 months
  • Quick decision on applications
  • Dedicated Account Manager
  • No early repayment fees

Benefits of short-term business loans

Every business has peaks and troughs in its cash flow and for a small business it can be a challenge to pay what you need to without disrupting your cash flow. A short-term loan can help smooth the impact on your cash flow, so you can focus on building your business instead of juggling money.

And because you'll be making repayments over a shorter period of 3-12 months, you can get the peace of mind that your bills are covered without needing to commit to long term finance.

Apply now  
or call 0330 053 6163

feefo-gold-trusted-2018-white187x187

What our customers are saying

We went to a few banks, but they just don’t get it. With White Oak UK it’s simple – they understand our business and getting finance was fuss-free.

Joe O'Hara
Owner, Alchemy Coffee
White Oak UK have supported us with a number of purchases, providing over 100 in the last quarter alone. This is definitely a model that works for our business.
Diane Riley-Waite
Director, We Do Rentals
We'd assumed pursuing a bank loan would be simple, instead we found timescales unreasonable and the process a bit of a nightmare. With White Oak UK, it was simple.
Chris Toller
Director, Henstone Distillery

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 - fixed payments
  • Interest only is repayable in months 1 & 2
  • Final interest payment & 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.

Short-term loans for all business purposes

Our fuss-free loans are available to businesses of all shapes and sizes, for nearly any purpose. Here are just some some of the purposes we can offer short term finance for:

  • Corporation tax and income tax
  • VAT payments (from £5k)
  • Working capital
  • Professional Indemnity Insurance (PII)
  • Annual subscriptions and insurances
  • Practising Certificates
  • Software licences
  • Cash flow
  • Purchasing stock or inventory
  • New contracts
  • Renovation and refurbishment
  • Training and recruitment

Talk to our finance specialists today about what you need to cover and we'll do everything we can to find the right short term loan for your business.

Call us discuss what you need on 0330 058 0836 and speak to someone in our team who understands your business.

Apply now  
or call 0330 053 6163

Business loans from the flipside
11 Ways to Make Money Work for Your Business

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.

The Profitable Firm
Karen Reyburn, Director

feefo_gold_trusted_service_2017_dark

Based on over 1000 customer reviews
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