MoneyPlus Group

What MoneyPlus Group does

MoneyPlus Group is a privately-held UK financial services company, founded in 1996 and headquartered in Altrincham/Manchester, that provides regulated debt advice and debt management solutions to UK consumers struggling with unsecured debt. The group operates MoneyPlus Group Limited (company number 07310059), which is authorised and regulated by the Financial Conduct Authority, and a wholly-affiliated MoneyPlus Insolvency Limited (company number 08214793), which delivers Individual Voluntary Arrangements through a licensed Insolvency Practitioner. The combined product suite spans 13+ debt solutions including Debt Management Plans (DMP), IVAs, Debt Relief Orders, Protected Trust Deeds, Sequestration, Minimal Asset Process, Debt Arrangement Scheme, Debt Consolidation Loans, Bankruptcy, Administration Orders, Breathing Space, Settlement arrangements, and Remortgage — covering England, Wales, Scotland, and Northern Ireland with jurisdiction-specific options.

The business operates a hybrid sales-led model combining inbound phone-based advisory (0161 837 4754) with online self-service tools, including an online advice tool, debt calculators, an educational blog, and a customer portal at portal.moneyplusadvice.com. Service delivery is labour-intensive and centred on expert advisors, with no proprietary technology platform or AI-driven components; the firm explicitly positions itself as a professional services firm rather than a technology company. Distribution is supported by an active social media presence across Instagram, Facebook, TikTok, and LinkedIn, alongside trust signals from DEMSA and R3 association memberships.

Revenue is generated through two primary streams: fees embedded in monthly DMP payments managed on behalf of clients, and referral/service fees from IVAs handled through the affiliated insolvency company. MoneyPlus advised 16,501 people in 2025, achieved a 92% interest-and-charges freeze rate on DMPs, and reports 97% customer-satisfaction fit (survey of 366 respondents, May 2025). The firm employs 251-500 staff, was founded in 1996, and received a £6.1M debt facility from OakNorth in November 2022.

Name

MoneyPlus Group

Legal name

MoneyPlus Group Limited

Website

https://moneyplus.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

MoneyPlus Group is a UK-based, FCA-regulated debt advice firm that provides Debt Management Plans, IVAs, and 11 other debt solutions to UK consumers across England, Scotland, Wales, and Northern Ireland.

Ownership category

akta.pro rank

Product category

Debt Management Services

NAICS

Collection Agencies (56144)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Debt Management Plans (DMP) Administration (FSAEAFAB)

akta.pro secondary industries

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI), Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH), Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD)

Keywords

• Debt management plans
• Individual voluntary arrangements
• Debt relief advice
• Debt consolidation loans
• Insolvency practitioner services

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Management Plan Fees: MoneyPlus charges fees for managing Debt Management Plans on behalf of clients. These fees are included in the affordable monthly payment clients make, with the company negotiating with creditors to freeze interest and charges while managing the repayment schedule.
2. IVA Referral Fees: MoneyPlus refers customers to MoneyPlus Insolvency Limited for Individual Voluntary Arrangements. This affiliated company, registered in England and Wales (08214793), handles the formal insolvency arrangements, likely generating referral or service fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

MoneyPlus Group is a UK FCA-authorised debt advice and management group that helps individuals consolidate and resolve unmanageable unsecured debt. Through its MoneyPlus Advice brand and subsidiary MoneyPlus Insolvency Limited, it arranges Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, Debt Consolidation Loans, Bankruptcy, Administration Orders, Breathing Space, Settlement, Remortgage, and Scotland-specific solutions (Protected Trust Deeds, Sequestration, Minimal Asset Process, Debt Arrangement Scheme), with fees embedded in the customer's single affordable monthly payment.

Product overview

MoneyPlus Advice operates as a debt advice and management service offering multiple debt solutions. The core product portfolio includes Debt Management Plans (DMP) and Individual Voluntary Arrangements (IVA) as primary offerings, complemented by additional solutions such as Debt Relief Orders (DRO), Protected Trust Deeds (Scotland), Sequestration, Minimal Asset Process, Debt Arrangement Scheme, Debt Consolidation Loans, Bankruptcy, Administration Orders, Breathing Space scheme, Settlement options, and Remortgage services. These products form a comprehensive suite covering debt consolidation, debt relief, formal insolvency arrangements, and creditor protection mechanisms across the UK.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Management Plan (DMP) A flexible debt solution that consolidates multiple unsecured debts into one affordable monthly payment, with MoneyPlus negotiating with creditors to freeze interest and charges. The fee is included in the monthly payment and the plan can be cancelled at any time. Targeted at UK consumers with multiple unsecured debts.
• Individual Voluntary Arrangement (IVA) A formal debt solution that protects assets (including the home) from repossession, halts interest and charges, and may result in eligible debt being written off upon completion. Delivered through subsidiary MoneyPlus Insolvency Limited under Insolvency Practitioner Anel Andrew (IPA Licence 17170). For UK individuals with substantial unsecured debt who cannot repay in a reasonable timeframe.
• Debt Relief Order (DRO) An alternative to bankruptcy for individuals with debts under £50,000 and less than £75 of monthly disposable income, providing debt relief without ongoing repayments.
• Protected Trust Deed (PTD) A formal Scottish debt solution that combines multiple debts into a single monthly payment for eligible individuals in Scotland, designed to ease pressure from unaffordable debts.
• Sequestration A Scottish insolvency option, equivalent to bankruptcy, for individuals unable to repay their debts.
• Minimal Asset Process (MAP) A Scottish scheme for individuals with few or no assets and insufficient disposable income to make debt repayments.
• Debt Arrangement Scheme A Scottish debt solution that allows repayment of debts over time through a structured payment plan administered under Scottish law.
• Debt Consolidation Loan A loan product that pays off all unsecured debts, consolidating multiple creditor payments into a single monthly payment.
• Bankruptcy A legal insolvency process that writes off debts the individual cannot afford to repay, typically considered a last resort option.
• Administration Order A formal agreement allowing debt repayment over a specified period (typically 3 years) for individuals with at least 2 debts totalling less than £5,000 and an unpaid County Court Judgement.
• Breathing Space (Debt Respite Scheme) Legal protection from creditor action for up to 60 days, including enforcement actions, interest, charges, and general creditor contact.
• Settlement A debt resolution option involving a lump sum payment to creditors, either as a full and final settlement or a partial settlement.
• Remortgage Renegotiation of mortgage terms to release equity in a property, providing funds to pay off outstanding debts.

Quantifiable outcome

• 16,501 people received debt advice in 2025
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• MoneyPlus Insolvency LimitedcoreStrategic or Co-development PartnerMoneyPlus Advice refers customers requiring Individual Voluntary Arrangements to MoneyPlus Insolvency Limited, an affiliated company registered in England and Wales (08214793). The insolvency company handles the formal IVA process with licensed Insolvency Practitioner Anel Andrew (IPA Licence 17170), providing a seamless service for customers requiring formal insolvency solutions.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• StepChange Debt Charity: UK's largest debt advice charity providing DMPs, IVAs, and DROs directly to consumers. Most direct competitor to MoneyPlus across the UK debt solution stack, though operating on a free, charity-funded model.
• FRP Advisory: UK restructuring advisory and insolvency practitioner offering personal insolvency services including IVAs. Direct peer in the formal debt solution segment where MoneyPlus competes via its affiliated insolvency company.
• Christians Against Poverty (CAP): UK charity providing free debt advice, DMPs, and money coaching. Directly comparable service offering to MoneyPlus, with a similar client base of financially distressed UK consumers.
• McKenzie Douglas Solicitors: UK law firm specializing in personal and business insolvency, debt solutions, and IVA arrangements. Comparable offering to MoneyPlus's formal insolvency services and customer profile.
• National Debtline: UK free debt advice service funded by the Money and Pensions Service. Comparable target customer (individuals with problem debt) and comparable DMP and solution-referral offerings.
• Begbies Traynor Group: UK professional services firm offering personal and corporate insolvency, including IVAs and bankruptcy. Comparable to MoneyPlus's insolvency-adjacent services and overlapping customer base.
• Citizens Advice: National UK advice charity offering debt advice alongside broader consumer and welfare guidance. Overlapping client base and solution set with MoneyPlus, including signposting to debt solutions.
• PayPlan (Tarea): UK debt advice provider offering DMPs, IVAs, and informal arrangements. Closely comparable to MoneyPlus's core DMP and IVA referral model, with similar advisor-led service delivery.
• Leonard Curtis: UK insolvency practitioner and business recovery firm providing IVAs, bankruptcy, and personal debt solutions. Direct competitor in the formal insolvency space where MoneyPlus refers via MoneyPlus Insolvency Limited.

Emerging players

• Aperture Solutions: Smaller UK debt solutions provider offering IVAs and informal arrangements. Comparable service model and customer base to MoneyPlus, though at smaller scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/MoneyPlusAdvice
• LinkedInuk.linkedin.com/company/moneypluspeople
• Instagraminstagram.com/moneyplusadvice
• TikToktiktok.com/@moneyplusadvice
• Xx.com/MoneyPlusPeople

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors1 record

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

M&A7 records

Investments

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

Frequently asked questions about MoneyPlus Group