White Oak, previously known as LDF and currently operating as White Oak UK, is an established independent UK business lender and finance broker. As part of parent group White Oak Global Advisors, the firm provides tailored funding solutions to small and medium-sized enterprises (SMEs) and mid-sized companies throughout the UK.
It's headquartered in Chester in the North West of England, with additional corporate offices in London and Glasgow. White Oak delivers direct a wide range of commercial finance facilities backed by over 35 years of experience in the UK market.
What Business Finance Products Does White Oak Offer?
White Oak operates as both a direct lender and a broker, offering a wide array of flexible business funding products designed to meet different operational needs. Their primary specialisms encompass asset finance, business loans, invoice finance and working capital loans, alongside specialised VAT and tax loans.
The full range of financial facilities provided by White Oak includes:
Business Loans: Commercial loans designed for short-term cashflow management, investing in business infrastructure, or funding new expansion projects.
Asset Finance: Funding solutions to acquire essential equipment, vehicles, or machinery without requiring large upfront capital outlays.
Hire Purchase: Structured asset funding that enables businesses to spread the cost of equipment ownership over a set term.
Finance Lease: A flexible leasing arrangement that allows companies to use key assets without taking on direct ownership.
Invoice Finance: Working capital funding that releases cash tied up in unpaid sales invoices to support day-to-day cashflow.
Asset Refinance and Sale and Leaseback: Solutions designed to unlock equity from existing balance sheet assets, providing an injection of liquid capital.
Revolving Credit and Line of Credit: Flexible credit lines allowing businesses to draw down funding, repay, and re-draw as cashflow requirements evolve.
Revenue-Based Finance: Business funding where repayment schedules are aligned directly with incoming trading revenue.
VAT and Tax Loans: Targeted short-term facilities created specifically to help businesses manage recurring tax liabilities and quarterly VAT payments.
Who Suits White Oak Funding?
For more than 35 years, White Oak has focused on supporting UK SMEs and mid-sized companies. Over 50,000 businesses have placed their trust in White Oak to secure the funding required for their operations. The firm emphasises an upfront, honest, and personalised approach.
White Oak suits businesses seeking flexible finance for short-term cashflow needs, long-term infrastructure investment, or capital to kickstart new strategic initiatives. A key advantage for fast-moving businesses is speed, as White Oak turns around most lending decisions within 24 hours.
White Oak Summary and Product Overview
The table below outlines key information about White Oak, its funding products, and operational background.
Feature | Details |
|---|---|
Provider Name | White Oak (formerly LDF) |
Parent Group | White Oak Global Advisors |
Business Structure | Lender and broker |
FCA Reference Number | 630633 |
Head Office Location | Chester, North West England (plus London and Glasgow offices) |
Key Specialisms | Asset finance, business loans, invoice finance, VAT and tax loans |
Main Products Offered | Business loans, asset finance, hire purchase, finance lease, invoice finance, asset refinance, revolving credit, revenue-based finance, VAT and tax loans |
Decision Speed | Most lending decisions processed within 24 hours |
Minimum Deal Size | £25,000 (£5K asset finance) |
Maximum Deal Size | £2 million (£1.5 million asset finance, £50M asset-based lending) |
Access Method | Brokers, intermediaries, direct |
Eligibility and Deal Sizes
White Oak operates under FCA firm reference number 630633 as both a direct commercial lender and a finance broker. ers.
Facility terms, funding amounts, and acceptance criteria depend heavily on individual business profiles and the chosen product type, applicants should evaluate their requirements directly with the lender or compare market options through a finance broker.
How to Access White Oak Commercial Finance
Businesses seeking funding from White Oak can access their services directly. Applications can be started online via their official website at https://whiteoakuk.com/ or by contacting their regional teams in Chester, London, or Glasgow. White Oak delivers personalized service and quick turnarounds, with most lending decisions delivered within 24 hours of application.
Comparing Business Funding Options with SME Money
While White Oak provides a wide selection of commercial lending facilities, exploring alternatives across the wider UK financial market helps ensure your company secures the right funding structure at competitive rates. SME Money connects UK businesses with specialist brokers who search over 100 lenders across the market. This impartial service enables business owners to evaluate business loans, asset finance, and invoice finance facilities without the bias of a single bank or financial institution.