Oakbrook

Name

Oakbrook

Legal name

Oakbrook Finance Limited

Website

https://oakbrook.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Prime Unsecured Personal Loans (Installment) (FSAKAAAA)

akta.pro secondary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Consumer lending
• Personal loans
• Debt consolidation
• Lending technology platform
• Credit analytics

Headquarters

HQ city

Nottingham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Consumer Lending Interest and Fees: Oakbrook generates revenue primarily from interest charges and fees on unsecured personal loans it originates. Loans range from £500 to £15,000 with APRs from 9.9% to 34.9%. The company operates both on-balance sheet lending and forward flow arrangements where investors purchase beneficial rights to consumer assets.
2. Technology Platform Licensing (O6K): O6K, the B2B technology and analytics company within Oakbrook Group, is designed to offer white-label and platform lending solutions to business partners. The company states it will make the platform available for 3rd parties to license in the future.
3. Forward Flow Sales: Investors without specialist consumer credit capabilities can purchase beneficial rights of whole consumer assets through forward flow arrangements. Significant retention of assets on Oakbrook's balance sheet with performance-related compensation on forward flow sales ensures alignment of interests.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels6 records

Core offering

Oakbrook is a digitally enabled consumer finance and technology business offering unsecured personal loans through three UK consumer brands: Oakbrook Loans (Prime/Near Prime, £500–£15,000 at 9.9%–34.9% APR), OakbrookAdvance (loans up to £5,000 over 60 months for underserved borrowers), and OakbrookOne (debt consolidation with direct creditor settlement via Experian ReFi). All lending is underpinned by Oakbrook's proprietary O6K technology and analytics platform, which supports origination, decisioning, servicing, collections, and white-label/platform lending for B2B partners.

Product overview

Oakbrook is a digitally enabled consumer finance and technology business operating as an embedded consumer finance platform. The company offers consumer lending products through three main brands: Oakbrook Loans (Prime/Near Prime, £500-£15,000, 9.9%-34.9% APR), OakbrookAdvance (underserved borrowers, up to £5,000 over 60 months), and OakbrookOne (debt consolidation with ReFi direct settlement technology). All products are underpinned by the proprietary O6K technology and analytics platform, which provides white-label and platform lending solutions for business partners through modular components including O6K Journeys (customer acquisition), O6K Customer Hub (digital servicing), O6K Agent Hub (case management), O6K Decisions (algorithmic decisioning), O6K Insights (data analytics), O6K Collections, and O6K Account Management. The company integrates with over 40 aggregators, processes 3 billion data points daily, and achieved over £700m of consumer loans to 100,000+ customers. Likely Loans and Finio Loans have been transitioned/retired.

Differentiator

Problem solved

Functional benefit

Brands

• O6K: Business-to-business technology and analytics company that has built Oakbrook's proprietary technology platform from the ground up; designed to offer white labelling and platform lending solutions for business partners
• OakbrookOne
• OakbrookAdvance
• Oakbrook Loans

Products and services

• Oakbrook Loans Oakbrook Loans serves Prime and Near Prime borrowers with unsecured personal loans from £500 to £15,000 at APRs ranging from 9.9% to 34.9%. Features include a simple online eligibility check, fast funding within hours, omni-channel account management, repayment date changes, and overpayments with no early-repayment penalties.
• OakbrookAdvance OakbrookAdvance provides alternative lending for non-prime and underserved borrowers who cannot access mainstream credit, offering loans up to £5,000 over 60 months. Includes a simple online application with pre-application eligibility check, fast funding, flexible repayment dates, and 24/7 digital servicing.
• OakbrookOne OakbrookOne is a debt consolidation product that uses Experian's ReFi technology to settle a customer's existing debts directly with creditors at the point of lending, rather than disbursing funds to the customer. This ensures loans are used for their intended purpose and gives customers a single, manageable monthly payment with average savings of £110/month.
• O6K Technology Platform O6K is Oakbrook's proprietary B2B technology and analytics platform, built from the ground up using containerization (Docker, Kubernetes), service mesh architecture, and zero-trust security. It supports the full lending lifecycle — origination, decisioning, servicing, collections, and analytics — and is designed for white-label and platform lending licensing to business partners. Modular components include O6K Journeys, Customer Hub, Agent Hub, Decisions, Insights, Collections, and Account Management.

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability8 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered core and flagship.

• ModulrcoreTechnology or Integration · 12 March 2026Modulr, a payments automation platform, partnered with Oakbrook to launch Variable Recurring Payments (VRPs), giving customers an additional way to manage loan repayments alongside Direct Debit.
• ExperianflagshipStrategic or Co-development Partner · 27 June 2025Oakbrook and Experian launched OakbrookOne debt consolidation product using Experian's ReFi technology. The partnership leverages Experian's data capabilities for enhanced credit decisioning. Over £5 million in lending delivered through ReFi in first six months. Experian Boost data included in Oakbrook's decisioning process.
• ReFi (by Paylink)coreTechnology or Integration · 27 June 2025ReFi technology enables direct creditor settlement at point of lending for OakbrookOne. Rather than disbursing funds to customer, OakbrookOne contacts creditors and arranges settlement directly, ensuring loan is used for intended purpose.
• ClearScorecoreChannel Partner/ Reseller/ Distributor · 11 November 2020ClearScore, a market-leading credit scorer and product marketplace, partnered with Oakbrook to enable fully automated Open Banking lending decisions via third-party aggregator - first in UK market.
• AccountScorecoreTechnology or Integration · 11 November 2020AccountScore provided data analytics capabilities combined with Oakbrook's O6K technology to process raw Open Banking data and traditional credit bureau data for instant personalized lending decisions.
• DatabrickscoreTechnology or IntegrationDatabricks provides the data engineering platform for Oakbrook's modern data platform. Data engineers write Databricks notebooks in PySpark to process raw data and produce clean analytical tables.
• Google CloudcoreTechnology or IntegrationGoogle Cloud provides cloud infrastructure including Cloud Storage for Delta Lake and Cloud Functions for Pub/Sub event processing from O6K platform. Oakbrook presented at Google's London office on their data platform architecture.

Scale indicators12 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Zopa: UK digital consumer lender offering personal loans, credit cards, and savings; the most directly comparable UK non-bank personal-loan competitor and one of the few scaled digital lenders in Oakbrook's product space.
• NewDay (Aqua): UK consumer credit group whose Aqua brand targets near-prime and non-prime borrowers; the closest UK analogue to OakbrookAdvance on risk profile and customer segmentation.
• Provident Financial: Long-established UK non-prime consumer lender providing unsecured credit to underserved borrowers; directly comparable customer base and product economics to OakbrookAdvance.

Broad incumbents

• Atom Bank: UK challenger bank offering unsecured personal loans alongside savings and mortgages; broader depository franchise but competes in the same digital personal-loan category as Oakbrook Loans.
• Shawbrook Bank: UK specialist challenger bank with a personal-loan portfolio alongside SME and specialist mortgage lending; overlapping personal-loan proposition with Oakbrook's prime book and similar digital distribution.
• Paragon Bank: UK specialist bank with consumer lending operations alongside buy-to-let and commercial finance; comparable unsecured personal-loan product and risk-return orientation.

Emerging players

• Creditspring: UK subscription-based alternative consumer-credit product targeting borrowers seeking short-term liquidity; partial overlap with Oakbrook's underserved and OakbrookAdvance segments.
• Salary Finance: UK employee-linked consumer lender offering salary-deduction personal loans and wage advances; already an Oakbrook partner via Experian's Affordability Passport, and competes at the intersection of prime and underserved.

Others

• ClearScore: UK credit marketplace and aggregator partner; not a direct lender but controls a key distribution channel that determines pricing and flow economics for Oakbrook and other consumer lenders.
• Experian: Global credit bureau and marketplace operator; flagship Oakbrook partner providing ReFi, Boost data, and Marketplace distribution — a strategic enabler of Oakbrook's underwriting and origination economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/oakbrook-finance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oakbrook