# OakNorth

> OakNorth is a VC fund in London backing Real Estate and Financial Services. See 65 investments, check sizes, portfolio and contact details. Updated Aug 2026.

- Type: VC Fund
- Location: London, United Kingdom
- Total investments: 65
- Last investment: Jul 2026
- Lead investor: 89%
- Last updated: Aug 2026
- LinkedIn: https://www.linkedin.com/company/oaknorth-credit-intelligence-suite
- X (Twitter): https://www.twitter.com/oaknorth
- Website: https://www.oaknorth.com
- Facebook: https://www.facebook.com/oaknorthbankuk

OakNorth is a VC fund in London focused on Real Estate and Financial Services. OakNorth had a fundamental purpose: to serve and empower established small-to-medium sized businesses (SMEs) that were seeking to scale but were routinely underserved or overlooked by traditional banks: what it calls the ‘Missing Middle’.Its founders, Rishi Khosla and Joel Perlman, had experienced this first-hand while scaling their previouscompany - Copal. In 2015, three years after launching that business, they applied for a bank loan and the ‘computer said ‘no’’, despite their business being profitable. The products, services, and experience needed to make their lives as a scaling business easier, and enable them to reach their full potential, were ‘missing’ from banks’ offerings.As entrepreneurs, their response was to build what was missing: a neobank for entrepreneurs, by entrepreneurs.To date, its bespoke debt finance solutions have supported property developers, care homes, specialist schools and nurseries, hotels, bars and restaurants, pub operators, as well as fund and specialist finance providers. With a range of specialist secured and unsecured business loans, OakNorth caters to the growth plans of businesses, without asking them to give up equity.Despite experiencing not one, but two unprecedented events – Brexit and COVID-19 – since its launch, the bank has continued supporting growth businesses across the UK. It’s lent over £10 billion to date, directly helping with the creation of almost tens of thousands of new jobs and new homes (the significant majority of which are affordable and social housing).Its data-led approach allows it to look at the future, rather than just fixating on the past, meaning it avoids making decisions based on outdated financials. Using data and analytics, it builds up a granular view of every business in its portfolio, combining this with forward-looking scenario analysis, to enable it to be a trusted funding partner as the business scales, and continue confidently lending through economic cycles and unprecedented events.By behaving as reliable, long-term partners to its customers throughout the pandemic, rather than just bankers, it has been able to make them its best advocates. As a result, c.80% of its new lending comes via referrals, and 40% of its borrowers are repeat customers.

## Contacts

5 contacts available for OakNorth. Shizune tracks 9 team members at OakNorth. Sign up free to unlock them: https://app.shizune.co/sign-up/investor-profiles/find-team-emails/oaknorth?utm_source=investor_profile

## Round sizes

| Stage | Round size |
| --- | --- |
| Post-IPO Debt | $3.9M–$68M |
| Debt Financing | $3.8M–$101M |

## Investment focus

### Industry

| Industry | Investments | Share |
| --- | --- | --- |
| Real Estate | 14 | 22% |
| Financial Services | 13 | 20% |
| Health Care | 7 | 11% |
| Finance | 6 | 9% |
| Hospitality | 5 | 8% |

69 industries tracked in total.

### Stage

| Stage | Investments | Share |
| --- | --- | --- |
| Debt Financing | 47 | 72% |
| Post-IPO Debt | 4 | 6% |
| Private Equity | 2 | 3% |
| Venture - Series Unknown | 1 | 2% |

### Country

| Country | Investments | Share |
| --- | --- | --- |
| United Kingdom | 45 | 69% |
| United States | 5 | 8% |
| India | 1 | 2% |
| Jersey | 1 | 2% |
| Ireland | 1 | 2% |

## Team

| Name | Title | Investments | Profile |
| --- | --- | --- | --- |
| Tiffany Teng | VP, Head Of Sales Operations | 0 | https://shizune.co/investors/profile/tiffany-teng |
| Adam Agius | Director, Debt Finance | 1 | https://shizune.co/investors/profile/adam-agius |
| Amit Shah | Managing Director | 0 | https://shizune.co/investors/profile/amit-shah-9 |
| Damien Hughes | Senior Director, Debt Finance (OakNorth Bank) | 2 | https://shizune.co/investors/profile/damien-hughes |
| Jessica Reiter | Chief Marketing Officer | 0 | https://shizune.co/investors/profile/jessica-reiter |

## Investments

| Company | Description | Amount | Stage | Date | Website |
| --- | --- | --- | --- | --- | --- |
| Everflow | Everflow are switching their water and sewerage services. | $29.4M | Debt Financing | Jul 13, 2026 |  |
| Medicare Insourcing Services | Medicare Insourcing Services is a healthcare center that offers radiology services. |  | Debt Financing | Apr 21, 2026 |  |
| CLS Holdings | CLS Holdings plc is a United Kingdom-based investment property company, which is involved in the investment, management and development of commercial properties, and in other investments. The Company invests primarily in office buildings. It operates in two divisions: Investment Property and Other Investments. It manages the Investment Propertydivision on a geographical basis due to its size and geographical diversity. | $67.6M | Post-IPO Debt | Apr 20, 2026 |  |
| BURGER KING UK | Burger King UK is the operations of the global fast-food chain. The platform enables users to explore the menu, access exclusive coupons, order for delivery or pickup, locate nearby restaurants, and view nutritional and allergen information. Focuses on flame-grilled burgers, chicken, plant-based options, sides, and beverages, serving over 11million daily global guests through mostly franchised locations. | $80.6M | Debt Financing | Apr 13, 2026 |  |
| honey | Honey will create homes where smarter designers create more interesting spaces. | $106.4M | Debt Financing | Mar 09, 2026 |  |
| Hypha | Hypha provides private equity investment and business growth support services. | $6.8M | Debt Financing | Feb 16, 2026 |  |
| Ardent Group | Ardent Group is an Aberdeen-based property developer, specialising in the development of commercial and residential assets across Scotland and Ireland. | $11.1M | Debt Financing | Jan 20, 2026 |  |
| Verso Wealth Management | Verso Wealth Management is a digitally-driven wealth management group. It has an accelerated growth strategy and is actively pursuing an IFA consolidation plan to build a market-leading wealth management group. It is a wealth management group providing financial advice and investment management. | $5.4M | Debt Financing | Jan 12, 2026 |  |
| Total Fitness | Total fitness is a health and fitness center that provides fitness services. Their equipped gyms have gym floors featuring cardio equipment, training and functional kit, pools, and studio spaces. They provide nutrition, fitness guides, and advice services. | $20.1M | Debt Financing | Dec 16, 2025 |  |
| Module Five Capital | Module Five Capital is a private real estate investment firm focusing on offering tailored financing solutions for the owners and operators of commercial real estate in the United States. | $30M | Debt Financing | Nov 17, 2025 |  |

10 of 65 investments shown.

## Co-investors
- [OakNorth](https://shizune.co/investors/profile/oaknorth-bank-0a76) — VC Fund, 16 deals together
- [Graphite Capital](https://shizune.co/investors/profile/graphite-capital) — VC Fund, 2 deals together
- [Business Growth Fund](https://shizune.co/investors/profile/business-growth-fund) — VC Fund, 1 deal together
- [Cheyne Capital Management](https://shizune.co/investors/profile/cheyne-capital-management) — VC Fund, 1 deal together
- [Liberty Media](https://shizune.co/investors/profile/libertymedia) — VC Fund, 1 deal together
- [Metro Bank](https://shizune.co/investors/profile/metro-bank) — VC Fund, 1 deal together

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## FAQ

### What does OakNorth invest in?

OakNorth invests primarily in Real Estate, Financial Services and Health Care startups, most often at Debt Financing and Post-IPO Debt stage. Most of the 65 investments tracked by Shizune back companies in United Kingdom. The Investment Focus section breaks down every industry, stage and country in the portfolio.

### What is OakNorth's check size?

OakNorth typically joins rounds of $3.9M–$68M at Post-IPO Debt and $3.8M–$101M at Debt Financing. These ranges are 10th–90th percentile round sizes calculated from confirmed public funding rounds, so they are a realistic guide to the rounds OakNorth participates in.

### How do I contact OakNorth?

Public channels for OakNorth include LinkedIn, X (Twitter) and the website linked on this profile. For a verified work email and phone number, create a free Shizune account — contact data is searched across 20+ sources and validated before delivery, so your outreach lands in the right inbox.

### Who are the partners at OakNorth?

The team at OakNorth includes Tiffany Teng (VP, Head Of Sales Operations), Adam Agius (Director, Debt Finance) and Amit Shah (Managing Director), among 9 team members tracked by Shizune. The Team section lists each member with their title, investment count and links.

### Is Shizune's investor data accurate?

Yes — every stat on this profile is calculated from confirmed public funding rounds monitored across hundreds of sources since 2020. This profile was last refreshed in Aug 2026 and is updated monthly. Spotted something off? Use the “Suggest an edit” link near the top of the page.

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