One Stop Business Finance

What One Stop Business Finance does

One Stop Business Finance (OSBF) is a York-headquartered specialist commercial lender serving small and medium enterprises across England and Wales with property-backed, short-term secured finance. Founded in July 2014 by Andrew Mackenzie, the business originated as a finance brokerage before completing its first own-book deal in January 2015 and developing into a direct lender. Its product set comprises four core facilities: Working Capital Loans, Revolving Credit Facilities, Bridging Finance and Development & Refurbishment Lending, with individual tickets typically ranging £100k-£3m over terms under 24 months. In 2026 the platform also launched the OSBF Opportunity Grant, a £5,000 non-repayable award for Yorkshire-based SMEs. Across the product suite, every facility is fully secured against property, short-term and structured around a defined exit plan, with responsible lending positioned as the founding principle.

OSBF's go-to-market is a regional field-sales model: a nationwide network of Business Development Managers across England and Wales, supplemented by an introducer channel of commercial finance brokers, accountants, solicitors and insolvency practitioners. The business relies on a diversified wholesale-funding stack combining private capital from high-net-worth investors with three institutional bank lines: Shawbrook Bank (£30m facility, originally £3m in February 2019), Renaissance Asset Finance (£10m, from £5m in August 2023) and Hampshire Trust Bank (£10m in November 2024), providing total institutional capacity of £50m. Loan-book progression (from £5m in June 2018 to £50m in August 2025) and cumulative lending of £120m to 500+ clients underpin the company's self-described negligible bad-debt track record. The 2024-2026 period has been characterised by three sequential BDM hiring waves (3 + 4 + 7 BDMs), a head office relocation to The Grange in Wheldrake, and senior leadership additions including Marketing Director Jonathan Lloyd (August 2025) and Business Development Directors Chris Meyer and Liam Killen, signalling acceleration against a publicly stated medium-term target of a £100m loan book by 2027.

Name

One Stop Business Finance

Legal name

One Stop Business Finance

Website

https://osbf.co.uk

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

One Stop Business Finance is a York-based specialist lender providing property-backed, short-term secured finance — including bridging, development, working capital and revolving credit facilities — to small and medium enterprises across England and Wales.

Ownership category

akta.pro rank

Product category

Commercial Lending to SMEs

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industries

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), SME Commercial Real Estate (CRE) Lending (FSABABAG)

Keywords

• SME commercial lending
• Bridging finance
• Property-backed lending
• Working capital loans
• Development finance

Headquarters

HQ city

York

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Interest charged on short-term loans from 1.65% per month. Primary revenue stream from commercial lending activities.
2. Arrangement Fees: Upfront fees ranging from 0.5% to 4% of total loan value, charged at origination.
3. Exit Fees: Exit fee typically 1% of loan value, charged when loan is repaid early (no early repayment charge if minimum income requirement met).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

One Stop Business Finance provides short-term, property-backed commercial lending to UK SMEs across England and Wales. Its core product set comprises Working Capital Loans, Revolving Credit Facilities, Bridging Finance, and Development & Refurbishment Lending, with loan sizes from £100k up to £3m on own-book lending and the ability to arrange larger facilities via institutional partners. Loans are interest-bearing (from 1.65% per month) and supplemented by arrangement and exit fees.

Product overview

One Stop Business Finance is a specialist commercial finance provider offering a portfolio of secured lending products to SMEs across England and Wales. The core product suite comprises four distinct lending solutions: Working Capital Loans (short-term cash flow support), Revolving Credit Facilities (flexible on-demand access to working capital), Bridging Finance (short-term time-critical funding), and Development & Refurbishment Lending (property development project finance). The company also offers an OSBF Opportunity Grant (£5,000) as a non-repayable award for Yorkshire-based businesses. All facilities are property-backed, short-term, and require a clear exit plan, with responsible lending as the foundational principle.

Differentiator

Problem solved

Functional benefit

Products and services

• Working Capital Loans Short-term flexible finance designed to support day-to-day business operations for SMEs across England and Wales, covering cash flow needs such as stock, payroll and unexpected costs when traditional banks cannot help.
• Revolving Credit Facilities Flexible funding that functions like an agreed overdraft, providing on-demand access to working capital for SMEs where interest is paid only on the amount used.
• Bridging Finance Short-term loan providing quick access to funds for time-critical situations, typically repaid once longer-term finance is secured through sale proceeds or mortgage completion.
• Development & Refurbishment Lending Funding designed to support property development and refurbishment projects at every stage, with staged finance released as milestones are reached for SMEs and developers.
• OSBF Opportunity Grant A £5,000 non-repayable grant for Yorkshire-based SMEs with no obligations, designed to support business growth and investment.

Named customers8 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Lincoln City Football ClubminorGTM or Marketing Partner · 1 January 2024Bronze partnership providing brand visibility at LNER Stadium and across the club's social media channels. Aligns with OSBF's community engagement strategy across England and Wales.

Scale indicators8 records

Recent moves15 records

Expansion highlights6 records

Broad incumbents

• Shawbrook Bank: UK challenger bank and specialist SME/property lender that is both OSBF's largest funding partner and a competitor in the bridging and development finance space. Directly comparable in product set (bridging, development, BTL) and target customer (UK SMEs and property investors).
• Hampshire Trust Bank: UK specialist challenger bank providing property finance, asset finance, and SME lending — and an OSBF funding partner. Overlaps with OSBF in bridging and development finance offerings to property professionals and SMEs in England and Wales.
• Renaissance Asset Finance: UK asset and commercial finance provider and an OSBF institutional funding partner. Overlaps in commercial lending to SMEs, though with a broader asset-finance focus beyond property-backed lending.
• Aldermore Bank: UK challenger bank with a specialist property and SME finance division offering bridging, development, and commercial mortgages. Comparable in serving SMEs underserved by high-street banks, though operating at significantly larger scale.

Direct peers

• LendInvest: UK specialist lender focused on short-term property bridging and development finance, with a technology-led origination platform. Closely comparable to OSBF in product mix (bridging, development), customer profile (property developers and SMEs), and geographic focus (England and Wales).
• MT Finance: UK specialist bridging and development finance lender offering short-term secured loans to property professionals and SMEs. Directly comparable in loan size range, product structure (bridging, development, refurbishment), and target customer base.
• Together Money: Specialist UK lender offering short-term secured finance, bridging, development, and commercial loans to SMEs and property investors. Comparable in product range, security focus (property-backed), and servicing of customers underserved by mainstream banks.
• United Trust Bank: UK challenger bank with a strong specialist lending division covering bridging finance, development finance, and structured commercial loans to SMEs. Comparable product set and customer base, with similar relationship-led underwriting approach.

Emerging players

• Bibby Financial Services: UK provider of invoice finance, asset finance, and commercial lending to SMEs. Partial overlap with OSBF in supporting SMEs with cash-flow and working-capital solutions, though focused on receivables-backed rather than property-backed facilities.
• Funding Circle: UK fintech platform extending working capital and term loans to SMEs via a digital, data-driven underwriting model. Comparable target market (UK SMEs), though OSBF's relationship-led, property-secured model is differentiated against Funding Circle's unsecured/tech-led approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/OneStopNonstop
• LinkedInlinkedin.com/company/one-stop-business-finance-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles30 records

Funding overview

Funding rounds1 record

Investors1 record

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 One Stop Business Finance