Name

Aurora Capital

Legal name

Timali Ltd

Website

https://auroracapital.co.uk

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industries

Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH), Equipment & Asset Finance (SME) (FSAKAGAF)

Keywords

• Commercial finance brokerage
• Business loan matching
• SME lending platform
• Invoice financing services
• Asset finance solutions

Headquarters

HQ city

Braintree

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commercial Finance Brokerage: Aurora Capital acts as a commercial finance credit broker, earning revenue through arrangement fees and commissions from lenders in their panel when loans are successfully placed. The company facilitates access to over 50 commercial lenders offering 8 different financial solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Aurora Capital is a UK-based commercial finance credit broker that helps SME businesses access funding by comparing and matching borrowers with suitable finance options from a panel of over 50 commercial lenders, using proprietary LendTech technology. The company facilitates secured and unsecured business loans, asset finance, invoice finance, merchant cash advances, bridging loans, revolving credit facilities, and industry-specific funding for sectors such as construction, e-commerce, healthcare, recruitment, hospitality, and wholesale.

Product overview

Aurora Capital is an SME funding specialist and commercial finance broker that operates as a platform offering multiple loan and financing products across its panel of over 50 UK commercial lenders. The core offering is a business loan marketplace and matching service powered by proprietary LendTech technology, where the company compares and matches borrowers with the most suitable finance option from its lender panel. The product portfolio spans secured and unsecured business loans (up to £2M), government-backed Growth Guarantee Scheme loans, asset finance, merchant cash advances, revolving credit facilities, invoice finance (including factoring and discounting), bridging loans (£25k–£15M), and industry-specific funding for construction, e-commerce, healthcare, recruitment, hospitality, and wholesale sectors. The platform also serves self-employed individuals, offers debt consolidation loans, short-term business loans, peer-to-peer lending options, and provides a self-service loan calculator tool. All products are facilitated through a unified application process with decisions typically within 24–48 hours.

Differentiator

Problem solved

Functional benefit

Products and services

• Growth Guarantee Scheme A government-backed loan (formerly the Recovery Loan Scheme) to support UK businesses, provided through Aurora Capital's panel of lenders.
• Unsecured Business Loan Business loans up to £500,000 without the need to secure on property or assets, with approval based on creditworthiness and trading history.
• Secured Business Loan Business loans up to £2 million, secured against a UK property by way of 1st or 2nd charge, typically offering lower interest rates than unsecured options.
• Asset Finance Finance solution enabling businesses to acquire new or used equipment, machinery, or vehicles and spread repayments over 1–6 years.
• Merchant Cash Advance Allows businesses to borrow up to 2x monthly card sales and repay through a small percentage of future card takings; suitable for businesses with regular card payments such as retail or hospitality.
• Revolving Credit Facility A pre-agreed credit facility allowing businesses to dip in and out of funds as needed, paying interest only on the amount drawn.
• VAT/Tax Loan Loans up to £500,000 for PAYE payments, quarterly VAT payments, or annual Corporation Tax payments.
• Bridging Loans Short-term secured loans ranging from £25,000 to £15 million, designed to bridge the gap between immediate cash needs and incoming funds, typically secured against UK property with LTV up to 75%.
• Invoice Finance Finance option allowing businesses to release up to 90% of the value of unpaid invoices immediately; includes invoice factoring, invoice discounting, and selective invoice finance with fees between 1–4% of invoice value.
• Small Business Loans Tailored funding solutions for small to medium-sized businesses with funding requirements between £10,000 and £5 million, requiring at least £100,000 annual turnover.
• Construction Finance Specialized funding for construction businesses covering growth funding, working capital, and equipment financing for project funding.
• E-Commerce Funding Funding solutions for e-commerce businesses to support staff, inventory, marketing, and operational scaling needs.
• Recruitment Agency Finance Finance solutions specifically designed for recruitment agencies seeking growth capital, contractor financing, and temp staff funding.
• Healthcare Business Loans Quick online loan applications for healthcare sector businesses including clinics and medical practices, supporting equipment purchases, working capital, and practice growth.
• Restaurant Business Loans Fast funding solutions for restaurant and hospitality businesses addressing cash flow gaps, equipment purchases, and renovation financing.
• Wholesale Funding Financing options for wholesale distributors covering stock purchasing, supplier payment timing, and working capital needs.
• Self-Employed Business Loans Loans designed for sole traders, freelancers, and small business owners who are self-employed, considering personal income and trading history.
• Business Debt Consolidation Loans Loans that combine multiple business debts into a single, more affordable monthly repayment with potentially lower interest rates.
• Short-Term Business Loans Financing options covering immediate capital needs for periods typically ranging from a few months to two years, designed for cash flow gaps or urgent expenses.
• Peer-to-Peer Business Loans Alternative financing connecting businesses directly with individual lenders through regulated online platforms, offering competitive rates and flexible terms.
• Van Finance Specialized asset finance for acquiring vans and commercial vehicles, with repayments spread over agreed terms.
• Working Capital Loans Flexible finance options designed to cover everyday operational costs, short-term cash flow gaps, and day-to-day expenses for businesses.

Quantifiable outcome

• Decisions within 24 hours
• +1 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles2 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.

• Jam (Manchester-based Marketing Agency)minorGTM or Marketing Partner · 7 July 2026Aurora Capital appointed Jam to deliver a strategic social media programme targeting business decision-makers across sectors including construction, e-commerce, recruitment, healthcare, hospitality, and wholesale. Jam will reposition Aurora Capital's social presence with a more human, insight-led storytelling approach, placing particular focus on LinkedIn. The initial work aims to build a stronger engaged audience and increase visibility ahead of future full-funnel marketing activity for long-term lead generation.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Assetz Capital: Assetz Capital operates a UK peer-to-peer lending platform offering business loans and bridging finance to SMEs, overlapping with the peer-to-peer and bridging loan products in Aurora Capital's product portfolio.
• My Financeer: My Financeer is a UK commercial finance broker matching SMEs with lenders across loans and asset finance, using an online application and panel model conceptually similar to Aurora Capital's LendTech-enabled matching service.

Direct peers

• Ultimate Finance: Ultimate Finance is a UK specialist finance provider and broker offering secured loans, bridging finance, and asset finance to SMEs via a panel of lenders — a comparable broker-shaped competitor in Aurora's segment.
• Rangewell: Rangewell is a UK commercial finance broker that compares lenders for business borrowers across a wide product set, with a dedicated account manager model and sector-focused finance offerings that closely mirror Aurora Capital's positioning.
• Capitalise: Capitalise (formerly Funding Options) is the UK's largest commercial finance broker, matching SMEs with lenders across multiple products including loans, asset finance, invoice finance, and bridging loans — directly competing with Aurora Capital's matching model and lender-panel approach.
• MarketFinance (MarketInvoice): MarketFinance combines a direct invoice finance and business loan offering with broker-style services for SMEs, directly overlapping with Aurora Capital's invoice finance and broader SME funding product set.

Broad incumbents

• Funding Circle: Funding Circle is a leading UK SME lending platform operating its own capital plus a secondary marketplace, serving the same SME borrower base as Aurora but extending credit directly rather than solely brokering — a broader, vertically integrated incumbent in Aurora's core market.
• iwoca: iwoca is a UK fintech providing flexible working capital and term loans directly to SMEs through an automated underwriting platform — overlapping with Aurora's target customer and product set but operating as a direct lender rather than broker.
• Allica Bank: Allica Bank is a UK SME-focused challenger bank offering direct business loans, asset finance, and bridging finance — competing with Aurora for SME funding share but operating a full-stack banking rather than broker model.

Others

• British Business Bank (BBB): British Business Bank is the UK government-backed development bank administering guarantee schemes such as the Growth Guarantee Scheme — a key ecosystem partner whose products Aurora Capital distributes through its panel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/auroracap
• LinkedInlinkedin.com/company/aurora-capital

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

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 Aurora Capital