Pulse Cashflow Finance

Name

Pulse Cashflow Finance

Website

https://pulsecashflow.com

Company type

Private

Founded year

2010

Headcount range

11–50 employees

Short description

Pulse Cashflow Finance is a UK-based invoice finance and credit management specialist that provides working-capital advances against outstanding invoices, primarily serving UK SMEs and mid-market businesses. Founded in 2010 and headquartered in Basingstoke.

Ownership category

akta.pro rank

Product category

Invoice Financing

NAICS

Other Activities Related to Credit Intermediation (522390)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

akta.pro secondary industries

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), Cash Forecasting, Reconciliation & Liquidity Tools (FSAMAOAH)

Keywords

• Invoice financing
• Credit management
• Cash flow solutions
• Working capital finance
• Business lending

Headquarters

HQ city

Basingstoke

HQ country

United Kingdom

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Core offering

Pulse Cashflow Finance is an invoice finance and credit management specialist based in Basingstoke, United Kingdom. The company provides funding solutions and credit control services to businesses, advancing cash against outstanding invoices and managing receivables on behalf of clients to improve working capital.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Finance
• Credit Management

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Direct peers

• MarketFinance: UK-based fintech offering invoice financing, bad-debt protection and business loans to SMEs. Directly comparable to Pulse Cashflow Finance in product, customer (UK SMEs), and invoice-discounting/credit-management focus, though larger and more tech-led.

Broad incumbents

• Bibby Financial Services: One of the UK's largest independent invoice finance providers, offering factoring, invoice discounting and credit management to SMEs. Comparable to Pulse in core product and customer base, but with materially greater scale and balance-sheet capacity.
• Aldermore Invoice Finance: UK challenger bank offering invoice discounting and factoring to SMEs. Overlaps directly with Pulse's invoice finance product and SME target market, but Aldermore is a regulated deposit-taker with broader services.
• HSBC Invoice Finance (UK): UK arm of HSBC providing invoice discounting and factoring through its commercial banking franchise. Directly comparable to Pulse in product category and SME client base, but with bank-balance-sheet scale.
• Lloyds Bank Commercial Finance: UK high-street bank offering invoice finance and credit-management services to SMEs via its commercial banking unit. Directly comparable product, with significantly larger capital base and customer reach than Pulse.

Emerging players

• Funding Circle: UK-headquartered SME lending platform (originally peer-to-peer) that has expanded into direct lending and invoice-like working-capital products. Comparable to Pulse on SME working-capital lending, though broader in product mix (term loans, credit lines).
• iwoca: UK fintech providing flexible credit lines and working-capital finance to SMEs. Overlaps with Pulse on SME working-capital lending but is positioned more as a credit-line product than pure invoice discounting.
• Clearco: Revenue- and receivables-based financing provider for businesses, originally Canadian, with UK activity. Comparable to Pulse in funding against receivables/revenue, though more focused on e-commerce and D2C merchants than traditional SME factoring.

Others

• Demica: Supply chain finance platform providing receivables-purchase programs and reverse-factoring structures. Thematically adjacent to Pulse's invoice financing, but operates a technology platform enabling banks/funders rather than originating directly.

Regional players

• Praetura Asset Finance: UK-focused specialist lender providing asset finance and complementary working-capital solutions to SMEs. Comparable to Pulse as a UK SME-focused alternative lender, with overlapping customer segments though a different primary product (asset-backed lending).

Market position

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

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 Pulse Cashflow Finance