• Small business loans and finance
  • Small business loans

    We've cut the red tape to make it simpler, easier and faster than ever before to get a fast, convenient small business loan for a variety of purposes. 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 small business finance application every 8 minutes.

    Get in touch

We believe there is a better way to get small business funding. We’ve eliminated red tape to give you fast, convenient small business loans that make money work for you.

And over 30 years we've helped over 40,000 small businesses get access to the SME finance they need to thrive.

Small business loans from White Oak UK

For Britain’s smaller businesses, asking their bank for money is an experience they’d rather not repeat. If you’re running a small business, dealing with a bank can be a frustrating experience. Even though the money is useful, it can feel like the pain outweighs the gain.

So we've cut all the red tape from our business and passed the benefits to you. We offer simple, no-fuss small business loans on short-term and long-term agreements covering a broad range of business requirements.

  • Unsecured loans from £2k - £500k
  • Fixed payments over 3 months - 5 years
  • 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 Gold 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

We know that not all small businesses are the same. Our finance specialists will listen to exactly what you need and find the best finance option for you.

Call us today 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 mth - 5 yrs
  • Quick decision on applications
  • Dedicated Account Manager
  • No early repayment fees

Benefits of small business loans

Cash flow issues can bring a small business grinding to a halt. Even small slow-downs in productivity can have a big effect over time. And when you have bigger development plans, not having the capital in the bank means your business is trying to grow with the handbrake on.

Our innovative finance options could give you additional funds to grow your business through acquisition, marketing or simply buying extra stock. Or you could reduce the hit of recurring costs – anything from Corporation Tax and software licenses to insurance and VAT bills.

Our fixed repayments (over 3 months to 5 years depending on the purpose) make it easier for you to budget and forecast, as you're not subject to fluctuations in interest rates.

Apply now  
or call
0330 053 6163


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.

We'll consider nearly all business purposes

Talk to our finance specialists today about what you need to cover and we'll do everything we can to find the right small business loan for you. Here are just some some of the many purposes we can offer small business loans for:

  • Refurbishments
  • Building renovations
  • Stock purchases
  • Cash flow
  • VAT payments
  • Software licences
  • Debtor relief
  • General equipment purchases
  • Training and recruitment costs
  • Marketing and Advertising
  • Research and Development
  • EPOS

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

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

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