Business loans that
work for you

We offer fast, flexible debt financing, with your success in mind. With a range of specialist secured and unsecured business loans ranging from £250,000 to tens of millions, get capital that caters to your growth plans, without giving up equity.

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We understand what it takes to succeed

We partner with tenacious entrepreneurs and help businesses across a range of sectors excel. Whether it’s for expansions, refinancing, property development, capital expenditure or something else entirely, we understand the needs of borrowers.

We’ve helped build schools, supported pub companies with acquisitions, provided bridging loans to developers to turn vacant buildings into new homes and plenty more. And with flexible repayments across fixed terms, or revolving credit facilities, we put you in control of your future.

New to the financing process? Check out our guide to UK business loans.

Changing the definition of lending

Our intelligent tech allows us to look at the future, rather than just fixate on the past. It means we don’t treat all businesses the same, and we won’t provide blanket business loans for an entire sector.  

We’ll take the time to truly understand your business. No decisions based on outdated financials, no hiding behind credit teams – just a transparent process that lets us find where your success lies, and how we can cultivate it. 

Get funded faster

Whether it’s for an acquisition or capital expenditure, we understand the importance of fast access to cash. We typically fund our partners within weeks, rather than months.

Tailor your finance to your future

No two businesses are the same, and neither are their growth plans. We take the time to understand the ebbs and flows of your business, the things that make you different. That way we can provide debt finance that’s future-proof, saves you time and helps you reach your milestones. 

Meet key decision makers

Getting a business loan shouldn’t be smoke and mirrors. That’s why we make decisions quickly and accurately and communicate them in simple terms. You’ll be involved in every key step of the process. And for loans above a certain size, you’ll even be invited to meet our Credit Committee. 

Reach success with the right people

Partnering with OakNorth means partnering with entrepreneurs that understand your ambitions. We come from a business mindset, and everything we do is focused on helping determined businesses thrive in a diverse UK economy.  

Fast track your future with flexible funding from £250,000

Ready to realise your ambition? Take your business further with the right financing partner. Get in touch to speak to our team of experts today.

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How are we
making a difference

When we fund growing businesses we see jobs created, houses built and high streets flourish. It makes the world a more interesting place to live.

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new homes built using OakNorth funding


new beds created for senior living businesses in 2021


new jobs created using OakNorth funding


£ lent to childcare and education businesses


developers supported to date


repeat customers

Streamlined financing for your next buy-to-let investment

Looking for fast financing to expand your buy-to-let portfolio? With our digital loan application, you can apply for finance from £250,000 up to £3,000,000 and you could receive loan terms tailored to your next residential property investment in just 5 minutes.*

*Subject to each application circumstance

Find out more

We take a bespoke approach to designing and developing our homes, and the team at OakNorth do the same when it comes to their loans. We felt like we had a true partner throughout the process that will support us throughout the economic cycle.

Derrick Wilkinson, Founder of GR33N Homes

OakNorth has been incredibly supportive over the last year, behaving as a true partner, rather than a bank. We’re grateful for their ongoing support and belief in the long-term potential of our business.

Mike and Ross Baxter, Co-founders of House of Gods

 The OakNorth team operated quickly and transparently, with an entrepreneurial approach and we hope to work closely with them on future developments.

Matthew Harrison, Founder of Midway Care Group

This is the third time we’ve chosen OakNorth Bank as our funding partner and there’s a reason we keep returning to them – the team is collaborative, constructive, and commercial. There’s no broad-brush assumptions or computer-says-no decisions.

Ali Reza Ravanshad, Chairman and Founder of Dandi Group

We were given the option to acquire a freehold and agreed on the price a year ago. However, in order to ensure we could go ahead, we needed to move quickly so appreciated the speed, efficiency, and responsiveness of the OakNorth team.

Nikki Kooner, Finance Director at Old Northampton Group
What is a business loan?

A business loan is a sum of money lent to a business by a bank, or alternative lender, to help finance its growth. Business loans – also known as debt finance, are usually repaid to the lender, with added interest over the agreed time period.


Which business loan is right for me?

We don’t provide off-the-shelf solutions, which means we have a range of specialised business loans designed with your sector or use case in mind. To find out more about the full range of unsecured and secured business loans we can offer, and what they can be used for, visit our business loan guide.

Introducing OakNorth?

If you’re a broker, intermediary, accountant, or anyone that advises ambitious UK SMEs, connect your clients with straightforward financing from £250,000 up to tens of millions, to help them accelerate their growth.

Get in touch

Looking for a business savings account?

If you’ve got some spare business funds, even if only for a short time, why not put them in an OakNorth business savings account and earn some interest?


See business savings accounts

Case studies


Bespoke finance to restore London’s historic 15 Old Bailey

Monday February 7th, 2022

A leading property business founded by entrepreneur Alex Shamas and joint venture partner Boscalt Hospitality needed an experienced partner to support its next project: converting one of London’s most famous landmarks.

Read more

Senior living

Finance for a major new purpose-built retirement village in the South East

Monday February 7th, 2022

CBRE saw an increase in demand for retirement properties, and a change in what residents were looking for as a result of the pandemic.

Read more


At the moment, the minimum loan size that we provide businesses is £250,000. 

We differ from other lenders in that we can fund your business within days or weeks, rather than months like typical lenders. 

Fill out a few details about your business and the loan you’re looking for here and our expert team will be in touch with you to discuss your options. From there, they’ll help you with every step of the process from start to funding. 

Depending on factors like your business’ risk profile and what you need the funding for, we can provide amortising loans, where you gradually pay off your debt with regular payments, as well as non-amortising loans, where you pay off the loan in a lump sum.

The cost of your loan is based on what kind of borrower you are, or your risk profile, which depends on factors like credit history, industry sector and more. We focus on speed, flexibility and competitive terms over price.

Unlike many other high street banks, we won’t make you transfer your business banking over to us, so you can apply for a loan quickly and easily.

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