Nimbla
Nimbla is a UK-based fintech that provides invoice financing, credit insurance, and (planned) debt collection to small and medium-sized businesses. It operates as a brand of FCA-regulated FI Capital Limited following its January 2025 consolidation.
- Company typePrivate
- Founded2016
- HeadquartersLondon, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Nimbla does
Nimbla is a UK-based financial services platform that provides invoice financing, credit insurance, and (planned) debt collection services targeted at small and medium-sized businesses facing late-payment and cash-flow volatility. Its product suite is structured around three brands: Nimbla Advance (single or selective invoice financing offering up to 80% of invoice value as a same-day cash advance against a single transparent financing fee, with no long-term commitments), Nimbla Protect (credit insurance delivered via referral to FCA-authorized brokers), and Nimbla Collect (debt collection, listed as coming soon). The underlying technology is a web-based quote and onboarding flow backed by a Wix-hosted site, with no proprietary mobile app, API, or SDK disclosed; credit risk decisions for FI Capital/Nimbla lending are supported by the Wiserfunding Z-score analytics integration announced in January 2025. The business operates under FI Capital Limited as an Introducer Appointed Representative of Partners& Limited (FCA FRN 308261), and since January 2025 Nimbla has operated as a brand of FI Capital Limited following a consolidation move. Revenue is generated through transaction fees on advances (illustrated at ~1.5% on a £10k invoice) and affiliate/referral economics from the credit-insurance broker channel, with a horizontal go-to-market aimed at UK SMEs acquired via content marketing, organic social (LinkedIn, X, Facebook), and direct website quote requests.
Nimbla firmographics
Firmographics- Name
- Nimbla
- Legal name
- FI Capital Limited
- Website
- https://nimbla.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Nimbla is a UK-based fintech that provides invoice financing, credit insurance, and (planned) debt collection to small and medium-sized businesses. It operates as a brand of FCA-regulated FI Capital Limited following its January 2025 consolidation.
- Ownership category
- akta.pro rank
Nimbla industry classification
Industry- Product category
- Invoice Financing
- NAICS
- Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Invoice Financing & Factoring (FSAKAGAC)
- akta.pro secondary industries
- SME Credit Underwriting, Scoring & Risk Analytics (FSAKAGAL), Microloans & Working Capital Loans (FSAKAGAA)
Keywords
Where Nimbla is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Nimbla business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Invoice Finance Fees: Charges a single clear financing fee on advances. Provides up to 80% advance on invoice value upfront, with the remaining 20% (minus fee) paid when customer pays. Example: £10k invoice with 30-day terms yields £8k advance today, £1,850 on payment, with £150 fee.
- Credit Insurance Broker Referral: Introduces customers to FCA-authorized credit insurance brokers who search the market for suitable coverage. Nimbla acts as an introducer; the broker handles the insurance transaction directly with the customer.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | No setup fees or long-term commitments; pay only when customer pays |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Nimbla product offering
Product offeringCore offering
Nimbla provides UK small and medium-sized businesses with three integrated financial services: Nimbla Cashflow (selective invoice financing offering up to 80% of invoice value as a same-day cash advance with a single transparent fee and no long-term commitment), Nimbla Protect (credit insurance against buyer insolvency delivered via FCA-authorized brokers), and Nimbla Collect (debt collection service announced as coming soon). The platform targets SMEs that need flexible working capital and credit risk protection without the administrative burden of traditional invoice financing facilities.
Product overview
Nimbla is a financial services platform offering three integrated products under its brand: Nimbla Cashflow (invoice finance for same-day cash advances up to 80% of invoice value), Nimbla Protect (credit insurance via FCA-authorized broker to guard against buyer insolvency), and Nimbla Collect (debt collection service, coming soon). The products are designed to work together to address SME cash flow challenges from advance funding through protection to debt recovery.
Differentiator
Problem solved
Functional benefit
Brands
- Nimbla Advance: Invoice finance service enabling businesses to get invoices paid quickly
- Nimbla Protect
- Nimbla Collect
Products and services
- Nimbla Cashflow (Invoice Finance) Selective invoice financing service that allows UK small and medium-sized businesses to receive up to 80% of an individual invoice's value as a same-day cash advance, with the remaining 20% (minus a single financing fee) paid when the customer settles the invoice. No setup fees or long-term contracts are required.
- Nimbla Protect (Credit Insurance) Credit insurance service that protects UK businesses against buyer insolvency and bad debt write-offs, delivered by introducing customers to FCA-authorized specialist brokers who search the market and arrange suitable coverage.
- Nimbla Collect (Debt Collection) Debt collection service to help UK businesses chase outstanding debts from non-paying customers; listed on the website as coming soon and not yet generally available.
Quantifiable outcome
- 80% invoice value advance available same day
- +2 more outcomes
Companies that use Nimbla
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Nimbla technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Nimbla partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- WiserfundingcoreWiserfunding provides independent third-party credit risk assessment for FI Capital and Nimbla's lending decisions. Uses Z-score system to evaluate SME creditworthiness. Incorporates both filed and management accounts for accurate financial health assessment. Also analyzes international customer creditworthiness within 24 hours. Partnership described as crucial to FI Capital's success and investor confidence.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Nimbla competitors and assessment
Company assessmentDirect peers
- MarketInvoice: UK-based invoice financing platform providing advances against outstanding invoices to SMEs — the closest direct competitor to Nimbla, operating in the same single-invoice / selective financing category.
- Iwoca: UK SME online lender offering flexible working capital and invoice-backed advances; competes with Nimbla for the same underserved SME cash-flow segment with digital onboarding.
- Capify: UK and US invoice finance provider offering advances against receivables for SMEs, with a similar selective-invoice positioning to Nimbla.
- Sonovate: UK invoice finance and credit-insurance platform targeting SMEs and recruitment businesses, offering integrated Advance + Protect products analogous to Nimbla's suite.
Broad incumbents
- Funding Circle: UK-listed SME lending platform offering term loans and invoice-style credit products; a larger incumbent providing overlapping working-capital solutions to UK SMEs.
- Bibby Financial Services: Established UK-based invoice finance and factoring provider serving SMEs; broader product set but directly competes for Nimbla's target customers.
- HSBC Kinetic / SME lending: Large incumbent UK bank with invoice finance, credit insurance, and SME working-capital products; competes for the same SME cash-flow use cases Nimbla addresses.
Emerging players
- Tide: UK digital business banking platform increasingly layering working-capital and lending products onto its SME base; an emerging competitor broadening into Nimbla's space.
Regional players
- BlueVine: US-focused online invoice factoring and working-capital provider for SMEs; comparable product mechanics but operates in a different geography than Nimbla.
- Clearco: Revenue-based financing provider offering advances against receivables to SMEs; comparable selective-financing model but focused on different geographies and verticals than Nimbla.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Nimbla social profiles
Digital presenceNimbla compliance and trust
Trust signalCompliance2 records
Nimbla financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nimbla leadership team
Management profileNumber of profiles
Profiles4 records
Nimbla funding detail
Funding detailFunding overview
Funding rounds5 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nimbla M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Nimbla
What does Nimbla do?
Nimbla provides UK small and medium-sized businesses with three integrated financial services: Nimbla Cashflow (selective invoice financing offering up to 80% of invoice value as a same-day cash advance with a single transparent fee and no long-term commitment), Nimbla Protect (credit insurance against buyer insolvency delivered via FCA-authorized brokers), and Nimbla Collect (debt collection service announced as coming soon). The platform targets SMEs that need flexible working capital and credit risk protection without the administrative burden of traditional invoice financing facilities.
Is Nimbla a public or private company?
Nimbla is a private company. It is classified as venture growth investor backed and is currently operating.
When was Nimbla founded?
Nimbla was founded in 2016. It employs 1 to 10 people.
Where is Nimbla based?
Nimbla is headquartered in London, United Kingdom, in the Europe region.
How does Nimbla make money?
Two revenue lines are on record. Invoice Finance Fees are the primary driver. The others are credit Insurance Broker Referral.
Who are Nimbla's main competitors?
Direct peers on record are MarketInvoice, Iwoca, Capify and Sonovate. Broad incumbents are Funding Circle, Bibby Financial Services and HSBC Kinetic / SME lending. Tide is listed as an emerging player. Regional players are BlueVine and Clearco.
Does Nimbla have an API?
No public API is recorded for Nimbla.
What industry is Nimbla in?
Nimbla's product category is Invoice Financing. Its primary akta.pro industry code is FSAKAGAC, Invoice Financing & Factoring, with a secondary code of FSAKAGAL, SME Credit Underwriting, Scoring & Risk Analytics. Its NAICS code is 52229 and its SIC code is 6153.