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 advances up to 90% for businesses with turnover from £1 million, with facilities ranging from £250,000 to £10 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 advances up to 90% for businesses from £1 million turnover, with facilities of £250,000 to £10 million. More detail + scope

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 90%
Min turnover£1m
Facility range£250k to £10m
History30+ years
UK officesLondon, Manchester, Glasgow

Pros and Cons

Strengths

  • Up to 90% advance on invoice value
  • Backed by global parent with strong capitalisation
  • Regional UK offices with local relationship managers
  • Facilities up to £10m

Limitations

  • £1m minimum turnover and three years of trading required
  • Less well-known brand than high street banks
  • US parent ownership may concern some UK businesses

Our Verdict

White Oak UK offers advances up to 90%, backed by a well-capitalised global parent. They are best suited to established businesses with turnover above £1 million and at least three years of trading who want a relationship-led service. The £1m turnover threshold means they are not the right fit for smaller businesses, who should compare the lower-minimum providers in our provider directory.

Official site: White Oak

Sources

Figures without a link above, including starting service charges, are Market Invoice research estimates: most providers do not publish a rate card and price each facility individually. Checked September 2026.

AP

Adam Parker

Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd

Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.

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White Oak Invoice Finance FAQ

What is the minimum turnover for White Oak invoice finance?

White Oak UK asks for annual turnover of £1 million or more and at least three years of trading. Facilities range from £250,000 to £10 million, making them suitable for established SMEs and mid-market businesses.

How much does White Oak advance?

White Oak UK advances up to 90% of invoice value, which is in line with most UK invoice finance providers. 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.