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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.

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White Oak UK is the new name for LDF. Find out more here.


of funding
delivered in 2018


Deals in 2018


Average Deal
Size in 2018


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.

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Carl D'Ammassa

Chief Executive Officer

Carl leads White Oak’s UK and Irish operations, having previously held the position of Group Managing Director – Business Finance at Aldermore Bank, a UK challenger bank. Under his leadership, Aldermore’s business lending franchise grew to originate c£1.9bn of new lending per annum and a balance sheet of c£3.5bn, across its asset, invoice, working capital, specialist and commercial property finance products. Carl has extensive divisional managing director and CEO experience built across a number of UK based businesses, having started his financial services career at GE Capital, and later holding positions at Hitachi Capital and Hydrex Equipment UK Ltd. He has previously been Chairman and a Board Director of The Leasing Foundation in the UK and was a Non-executive Director of AFS Group Holdings Ltd. Carl holds a BSc (Hons) degree in German, Economics and International Business from University of Surrey.


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.


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

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

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.

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