White Oak UK Invoice Finance Review
White Oak UK is part of White Oak Global Advisors, a group with over 30 years of history in business lending. Their UK operation offers invoice finance with advance rates up to 95% for businesses with turnover from £200,000, with facilities ranging from £200,000 to £5 million. With offices in London, Manchester, and Glasgow, they combine the backing of a global parent with regional UK service.
Key Facts
Pros and Cons
Strengths
- Up to 95% advance rate (among the highest available)
- Backed by global parent with strong capitalisation
- Regional UK offices with local relationship managers
- Flexible facilities up to £5m
Limitations
- £200k minimum turnover and facility size
- Less well-known brand than high street banks
- US parent ownership may concern some UK businesses
Our Verdict
White Oak UK offers one of the highest advance rates in the market at 95%, backed by a well-capitalised global parent. They are best suited to established SMEs with turnover above £200k who want competitive advance rates and a relationship-led service. The £200k minimum facility size means they are not the right fit for smaller businesses, who should look at Close Brothers or IGF.
Oliver Mackman
Director, Market Invoice
Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.
Last reviewed: 7 April 2026