Cash gets trapped in three places: stock waiting to be sold, invoices waiting to be paid, and lease or rental contracts paying out over years. Oak Leasing arranges finance for all three and structures them to work as a single, coordinated solution — across the UK and Europe, through more than 40 banks and specialist funders.
Most businesses are offered these products separately, by different lenders, with competing security and overlapping limits. We start with your trading cycle and fund each stage in turn.
Funds inventory held by dealers and distributors, so stock is on the floor without cash leaving the business. Repaid unit by unit as it sells.
Releases cash against invoices issued on 30–120 day terms, including cross-border invoices to European customers. You stop waiting to be paid.
Turns a book of lease, hire purchase or rental agreements into an upfront lump sum, so capital recycles into new business rather than waiting years.
Why combine them? A manufacturer with a dealer network, trade customers and an in-house rental fleet has cash tied up at every stage. Structuring the three facilities together — ideally with the same funder or funder group — aligns security, reporting and limits, and avoids one lender's charge blocking another's.
Block discounting is the sale or assignment of a block of existing lease, hire purchase or rental agreements to a funder in return for an upfront lump sum. The funder is repaid from the rentals as they fall due.
It suits businesses that write their own agreements — lessors, rental companies, and manufacturers or distributors running in-house finance — and whose growth is limited by bank lines rather than demand. Instead of waiting three to five years for contracts to pay out, you release that value now and write more business.
We place rental streams and lease books across a wide range of equipment: payment terminals, office and IT equipment, machine tools, robotics, catering, medical and plant. Facilities can be one-off portfolio purchases or ongoing lines that fund new agreements as you write them.
For: lessors, rental and hire companies, manufacturers and distributors with in-house finance books.
Stock finance — also called floor-plan or inventory finance — funds the stock a dealer or distributor holds before it is sold. The funder pays the manufacturer on delivery; the dealer repays each unit when it sells, or at the end of an agreed interest-free or interest-bearing period.
For manufacturers, it is a route to market. Dealers can carry deeper ranges and demonstration stock without straining their balance sheets, and the manufacturer is paid promptly without taking on its dealers' credit risk. This is often decisive when building a distribution footprint in new European markets.
Funders may ask for manufacturer support, such as a stock repurchase undertaking; we negotiate these terms as part of the programme so they fit your commercial model.
For: manufacturers building dealer networks; dealers, distributors and wholesalers of equipment and plant.
Receivables finance releases cash against money your customers owe you on invoices, typically due in 30 to 120 days. A funder advances an agreed proportion of the invoice value as soon as it is raised, with the balance, less charges, paid when your customer settles.
Facilities can cover your whole sales ledger or selected customers and invoices, and can be confidential — your customers need not know a funder is involved. For exporters and pan-European vendors, we arrange cross-border receivables facilities that accept invoices to customers in multiple countries and currencies.
Where a manufacturer sells equipment on deferred payment terms, we can also arrange vendor receivables purchase, in which the funder buys the receivable outright and takes the payment risk off your balance sheet.
For: manufacturers, distributors and B2B service providers selling on credit terms. More on invoice finance.
| Stock finance | Receivables finance | Block discounting | |
|---|---|---|---|
| Funds | Inventory held for sale | Unpaid trade invoices | Lease, HP and rental agreements |
| Stage | Before the sale | After the sale | Over the contract term |
| Typical term | Until each unit sells, or an agreed stocking period | 30–120 days per invoice | Remaining contract term, often 2–5 years |
| Repaid from | Sale proceeds of each unit | Customer payment of the invoice | Rentals collected from end users |
| Best for | Manufacturers and dealer networks | Businesses selling on credit terms | Lessors, rental fleets, in-house finance books |
Stock finance, receivables finance and block discounting aren't only UK products. We arrange all three across Europe through funders active in each market, so a manufacturer or lessor can run a single, consistent working-capital programme wherever its dealers, customers and rental assets are.
Facilities are placed with banks and lessors that lend in each country, with agreements under local law and in the local language where required.
GBP, EUR and local currencies. Receivables facilities can accept invoices to customers in several countries under one arrangement.
Stocking programmes rolled out market by market as you appoint distributors, without adding credit risk to your own balance sheet.
You deal with Oak in English; we coordinate funders, terms and reporting across every country in the programme.
Expanding into Europe with equipment? See also our European equipment leasing and European equipment finance services.
Stock finance for new dealers, receivables finance for export invoices, and block discounting for any rental or subscription book — arranged market by market through one adviser.
Grow the fleet faster than bank lines allow by discounting existing rental streams, then fund new equipment against contracted demand.
Carry more stock, extend terms to trade customers, and turn customer finance agreements into cash rather than waiting for them to pay out.
More than 40 banks, lessors and specialist funders across the UK and Europe. We go to the funders whose appetite matches your assets, sector and countries.
Arranging equipment and vendor finance since 1992. We design facilities that fit together, so one lender's security doesn't stall the next.
Transparent terms, no hidden charges, and confidential handling of your customer and portfolio data from first conversation to drawdown.
We have worked with Oak Leasing for over 5 years now and we have always been impressed by the efficiency and professionalism of the service when dealing with ourselves and directly with our clients.Jason Cooper, Head of Sales — Yee Group of Companies
John is one of the most honest and straightforward people I have had the pleasure to deal with. I would, without question, recommend John without hesitation.Charles Towers Clark, CEO — Pod Group of Companies
Block discounting is the sale or assignment of a block of existing lease, hire purchase or rental agreements to a funder in return for an upfront lump sum. The funder is repaid from the future rentals. It lets lessors, rental companies and manufacturers with in-house finance books recycle capital into new business without waiting for contracts to run their course.
Receivables finance advances cash against short-term trade invoices, typically due within 30 to 120 days. Block discounting advances cash against long-term contracted income, such as a portfolio of three- to five-year lease or rental agreements. Both turn money owed to you into working capital; the difference is the length and type of the income stream.
Stocking finance, also called floor-plan or inventory finance, funds the stock a dealer or distributor holds before it is sold. The funder pays the manufacturer, and the dealer repays each unit when it is sold, or at the end of an agreed period. Manufacturers use it to grow their dealer networks without extending their own credit.
Yes. Many businesses need finance at more than one stage of the trading cycle: stock before sale, invoices after sale, and rental or lease income over the longer term. Oak Leasing structures these as a coordinated set of facilities, often with the same funder or funder group, so limits, reporting and security work together rather than against each other.
Yes. Oak Leasing arranges all three across more than 30 European countries through funders active in each market, with local-law documentation where required and facilities in GBP, EUR and local currencies. Manufacturers and lessors can run one coordinated programme across their dealers, customers and rental assets in multiple countries, with Oak as a single point of contact.
Oak Leasing arranges facilities across more than 30 countries, including the United Kingdom, Ireland, Germany and the DACH region, France and Benelux, Italy and Iberia, the Nordics and Poland, and Central and Eastern Europe, through a panel of more than 40 banks and specialist funders.
Oak Leasing typically arranges facilities from £100,000 to £10 million, or the euro equivalent. Larger requirements are considered on their merits. Smaller transactions from £10,000 are considered only where they form part of an existing vendor finance programme.
No. Oak Leasing is an independent broker and arranger. Funding is provided by lessors, banks and specialist funders on Oak's panel. Oak receives a commission or arrangement fee from the funder once a facility is activated.
Stock, invoices, a rental book — or all three. A short conversation is usually enough to tell you what's fundable and by whom.
Oak Leasing Ltd is a broker/arranger and not a lender. We may receive a commission or arrangement fee from the lessor or funder once your agreement is activated. All facilities are subject to status, asset type, sector and credit history. Minimum facility considered £100,000; vendor programme transactions from £10,000 where part of an existing programme. Oak Leasing Ltd, Lynx House, Ferndown, Northwood Hills, Middlesex HA6 1PQ.