OakNorth

OakNorth: Flexible Lending for Growing Businesses

OakNorth is a leading UK lender focused on helping ambitious, fast-growing businesses access the finance they need to scale. With a data-driven approach and a strong commercial understanding, OakNorth offers tailored lending solutions that go beyond traditional high street banking models.

Who OakNorth Supports

OakNorth works with established UK-based businesses across a wide range of sectors, particularly those with strong growth potential and clear business plans. Their lending is designed for:

• Trading businesses registered in the UK

• Firms with revenues typically between £1m–£100m

• Companies seeking funding to support growth, acquisitions, working capital, or property investment

• Entrepreneurs and management teams with a clear strategy and track record

OakNorth is sector-flexible, with notable experience across industries such as hospitality, healthcare, manufacturing, property, and professional services.

Bespoke Lending, Backed by Insight

At the heart of OakNorth’s proposition is a tailored, relationship-driven approach. They combine deep sector knowledge with proprietary data models to assess risk and opportunity in a way that many traditional lenders can’t match. This enables faster decisions, more flexible structures, and funding that aligns with a business’s real-world ambitions.

Key Features & Benefits

• Loans from £250k to £50m: Suitable for both mid-sized businesses and larger SMEs with scalable operations.

• Flexible structures: OakNorth structures each loan around the business’s needs, including options for interest-only periods, bullet repayments, and tailored covenants.

• Sector expertise: Access to a team that understands specific industry challenges and opportunities.

• Fast, commercial decision-making: A streamlined process, avoiding the bureaucracy typical of traditional banks.