FINANCE FOR ALMOST ANYTHING
You find it,
we fund it
Vans and cars are what we're known for, but we can arrange finance for almost anything your business needs: vehicles, plant, machinery, equipment and more. Tell us what you'd like to fund and our finance partner will look for the right option for you.
- No fee for the introduction
- Advice in plain English
- Your own account manager
What would you like to fund?
See everything we can fundWhat we can fund
From a computer to a combine harvester. If your business needs it, there's a good chance we can fund it.
Rates and figures
Every quote is priced individually, because the rate depends on what you're funding, the term, the deposit and your circumstances. Where we can give you numbers up front, here they are.
Rates from
3%
Directors' car finance
- Rates from 3% for company directors, partners and sole traders.
- Terms of 1 to 5 years.
- Low deposit or no deposit.
- New or used vehicles up to 10 years old.
- Buy the vehicle at the end of the term.
70%
of estimated sale price
Luxury asset loans
- Borrow up to 70% of the asset's estimated sale price.
- Funds within 24 hours of accepting an offer on a bridging loan.
- Bridging loans typically run 6 months, extendable to 12.
- Term loans of 18, 24 or 36 months.
- Minimum loan £100,000.
3–35
year terms
Property finance
- Terms from 3 to 35 years on owner-occupied commercial and residential lending.
4
month payback
Trade finance
- A four-month payback term, no set-up legal costs, and it isn't secured against your business.
Quoted
individually
Everything else
- Quoted individually. Tell us what you need and we'll come back with real figures.
Rates and terms depend on the asset, the lender and your circumstances. All finance is subject to status and approval.
Want a call back?
Leave your name and number (or email) and our finance partner will be in touch to talk through your options.
Funding options in plain English
Not sure which type of finance you need? You don't have to be. Here's what the main ones mean.
Hire purchase
A straightforward purchase plan. Fixed monthly payments over an agreed term, and the asset is yours at the end.
Finance lease
Fixed rentals with the VAT spread across the payments rather than paid up front. With some funders you can buy the asset at the end.
Contract hire
A fixed-term rental with one monthly figure. Road tax is included, maintenance and tyres can be added, and the vehicle goes back at the end.
Asset finance
A purchase agreement secured against the asset itself. The most common way to fund vehicles, machinery, plant and farm equipment.
Funding lines and credit facilities
A limit agreed in advance with a funder, so you can add vehicles or equipment at your own pace knowing the money is in place.
Invoice finance
Releases the cash tied up in your unpaid invoices to fund day-to-day trading.
Bridging loans
Short-term funding, usually secured on property, to complete a purchase quickly before longer-term finance or a sale.
Commercial and buy-to-let mortgages
Loans secured on commercial or investment property, for a single unit or a whole portfolio.
Sale and leaseback
Releases cash from equipment you already own by converting it to a lease.
Your accountant can advise on how each option is treated for tax.
How it works
Step 01
Tell us what you need
Fill in the short form or give us a call. It takes a couple of minutes.
Step 02
We introduce you
We pass your details to our finance partner, who looks at what's available for your business.
Step 03
You get clear answers
We explain your options in plain English: the monthly cost, the term and what happens at the end.
Step 04
We get it funded
Once you're approved and happy, we handle the paperwork and get the finance in place.
Buying one of our vehicles? We can finance that too
Every car and van on our For Sale pages can be bought on finance, and each one shows an example monthly cost.
Frequently asked questions
What can you arrange finance for?
Almost anything a business needs: vehicles, plant and machinery, farm and office equipment, IT, green energy, property and more. If you can't see it on this page, ask us.
Can you fund something I've found somewhere else?
Yes. That's the idea behind "you find it, we fund it". Send us the details of what you've found and who is selling it, and we'll look at the best way to fund it.
Is this only for businesses?
Most of what we arrange is for limited companies, partnerships and sole traders. We can also help individuals with vehicle finance.
How long does it take?
It depends on what you're funding. Tell us your timescale and we'll be straight with you about what's realistic.
Do you charge a fee?
Oak First Investments Limited (trading as First Flexi Lease) is authorised and regulated by the Financial Conduct Authority (FRN 835008) and acts as a credit broker, not a lender. We work with a preferred finance partner who may be able to help you find a suitable finance agreement. We do not charge you a fee for this introduction.
We may receive payment from our finance partner for introducing you to them. This will not affect the amount you pay. You can ask us for details of any payment we receive at any time.
FINANCE FOR ALMOST ANYTHING
Want a call back?
Leave your name and number (or email) and our finance partner will be in touch to talk through your options.
- No fee for the introduction
- Advice in plain English
- Your own account manager
Important information
Oak First Investments Limited (trading as First Flexi Lease) is authorised and regulated by the Financial Conduct Authority (FRN 835008) and acts as a credit broker, not a lender. We work with a preferred finance partner who may be able to help you find a suitable finance agreement. We do not charge you a fee for this introduction.
We may receive payment from our finance partner for introducing you to them. This will not affect the amount you pay. You can ask us for details of any payment we receive at any time.
