White Oak UK
UK SMB lender whose regulated companies still carry the LDF name (White Oak UK is a trading style of LDF Operations Limited, LDF Ops Limited and LDF Finance companies). It says it has over 30 years of commercial lending experience and turns around most decisions within 24 hours. Covers business loans, asset finance and asset-based lending, and also works with a panel of lenders as a credit broker.
Quick verdict
- Product: SMB term loans, asset finance, professional finance.
- Ticket band: £5k to £500k.
- Pricing: Bespoke, quoted at offer.
- White Oak UK says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
White Oak UK, at a glance
- Legal entity
- White Oak UK (a trading style of LDF Operations Limited, LDF Ops Limited and LDF Finance group companies)
- Product
- SMB term loans, asset finance, professional finance
- Ticket range
- £5k to £500k
- Decision time
- Most decisions within 24 hours (White Oak UK's own figure)
- Ltd-only
- No, the lender also accepts other structures
Where White Oak UK is strong
- Over 30 years of commercial lending experience, by its own account.
- Strong professional-practice line for regulated firms.
- Authorised as both a lender and a credit broker, so it can refer cases it does not fund.
- Most decisions within 24 hours, by its own account.
Watch-outs, and when another lender may suit better
- Pricing not headlined; quoted at offer.
- Most volume distributed via brokers and panels rather than direct.
- Brand recognition lower than the rebrand replaced.
- Hard search at full application.
Best fit applicants
- Established SMEs
- Professional practices (legal, accounting, dental)
- Broker-introduced cases
Where White Oak UK is the wrong fit
- Self-serve sub-£10k
- Pre-revenue startups
- Pure rate-shoppers
If declined by White Oak UK
If your application to White Oak UK is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate White Oak UK
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through White Oak UK?
White Oak UK offers smb term loans, asset finance, professional finance. Ticket range: £5k to £500k. Typical rate: Bespoke, quoted at offer.
How long does White Oak UK take to decide?
Most decisions within 24 hours (White Oak UK's own figure) White Oak UK says checking eligibility uses a soft search, so it does not affect your credit score.
Who is White Oak UK the best fit for?
First on the list: Established SMEs. The full list is under Best fit applicants above.
When might another lender suit better than White Oak UK?
First on the list: Self-serve sub-£10k. The other cases are under Where White Oak UK is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: White Oak UK
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.