Business funding, arranged properly
The right capital.
On the right terms.
We arrange structured financing for ambitious UK businesses. Independently, transparently, and whole-of-market.
What we arrange
The funding you need. Nothing more.
Businesses don't need more options. They need the right one. We work across three funding disciplines — and we'll tell you which fits before we approach a lender.
Trade Finance
Release capital tied up in invoices and cross-border trade flows — without diluting equity.
- Invoice Discounting
- Invoice Factoring
- Import Finance
Business Lending
Straightforward lending facilities for growth, cashflow, and opportunity.
- Short-Term Loans
- Asset Finance
- Merchant Cash Advance
- Bridging Loans
Capital & Liquidity
Optimise your balance sheet and ensure every part of it is working as hard as your business.
- Asset-Based Lending
- Revolving Credit Facility
- Business Savings & Deposits
Why Oku Financial
We sit on your side of the table.
We take the time to understand your business properly. Then we go to market on your behalf — approaching the right lenders simultaneously, negotiating hard, and presenting you with clear options. No surprises. No hidden incentives. Just the best available terms.
Independent
We have no balance sheet to protect and no product to push. Our only mandate is finding the right terms for your business.
Fast
We take your opportunity to the right lenders simultaneously, creating genuine competition and compressing timelines.
Precise
We design the deal before we approach a single lender — size, tenor, security, covenants — so you never negotiate blind.
The process
Simple from start to close.
Four steps between you and a signed facility.
Tell us what you need
Tell us about your business and what you're looking to achieve. No jargon or forms, just a conversation.
We structure your facility
We identify the right structure and prepare your opportunity properly before approaching any lender.
Review your offers
We bring back competitive terms from multiple lenders, presented clearly and without bias. You choose.
We close it
We manage every step through to drawdown — coordinating lenders, lawyers, and paperwork so you don't have to.