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.

White Oak UK is part of White Oak Global Advisors, offering invoice finance with advance rates up to 95% for businesses from £200,000 turnover, with facilities of £200,000 to £5 million. More detail + scope

Summary

White Oak UK is part of White Oak Global Advisors, a group with over 30 years of history in business lending. Its UK operation offers invoice finance with advance rates up to 95% for businesses with turnover from £200,000, with facilities from £200,000 to £5 million. Offices in London, Manchester and Glasgow combine the backing of a global parent with regional UK service.

This page covers

White Oak UK invoice finance advance rate, minimum turnover, facility range and global parent backing

Not covered here

General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)

Key Facts

Advance rateUp to 95%
Min turnover£200,000
Facility range£200k - £5m
History30+ years
UK officesLondon, Manchester, Glasgow

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.

OM

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

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White Oak Invoice Finance FAQ

What is the minimum turnover for White Oak invoice finance?

White Oak UK requires a minimum annual turnover of £200,000. Facilities range from £200,000 to £5 million, making them suitable for established SMEs and mid-market businesses.

Does White Oak really advance up to 95%?

Yes. White Oak UK can advance up to 95% of approved invoice values, which is among the highest advance rates in the market. The actual rate offered will depend on your sector, debtor quality, and business profile.

Where does White Oak have offices in the UK?

White Oak UK has offices in London, Manchester, and Glasgow, providing regional coverage across England and Scotland. Each office has local relationship managers who can visit your business.