Omni Capital Retail Finance

What Omni Capital Retail Finance does

Omni Capital Retail Finance Limited is a UK-authorised retail finance provider operating a B2B2C model in which it partners with retailers to deliver point-of-sale lending to end consumers. Founded in 2009 and wholly owned by Castle Trust Bank since 2017, the company works with over 2,000 retailers across eight verticals — including furniture, home improvements, healthcare, technology, outdoor living, education, sports, and luxury goods — and has financed more than 140,000 customers, with over 70% placed on interest-free credit. The company is authorised and regulated by the Financial Conduct Authority (Reference 720279) and headquartered at 10 Norwich Street, London.

The core technology asset is OmniPort, a proprietary retail finance platform that delivers fully paperless credit approvals with instant decisions, pre-application eligibility checks that do not impact the consumer's credit file, and omni-channel continuity between online and in-store applications. Retailers integrate through API endpoints, e-commerce plugins (Magento, WooCommerce, BigCommerce), pre-built web form embeds, and webhook-based real-time status updates. Underwriting is automated using structured data from credit reference agencies (TransUnion, Experian, Equifax), with affordability checks conducted for BNPL products in line with 2025 UK regulation. OmniPort was Highly Commended at the FinTech Futures PayTech Awards 2026 for Best Use of Tech in Combatting Fraud.

Revenue is generated through transaction fees on interest-free credit (0% APR) and interest income on interest-bearing finance solutions ranging from 3.90% APR with terms up to 60 months, alongside BNPL and deferred payment options. Pricing is quote-based and varies by retailer sector and customer profile. The company operates exclusively in the United Kingdom, distributes through retailer partners rather than direct-to-consumer channels, and reports an NPS of +62.

Name

Omni Capital Retail Finance

Legal name

Omni Capital Retail Finance Limited

Website

https://omnicapitalretailfinance.co.uk

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Omni Capital Retail Finance is a UK-authorised, FCA-regulated retail finance provider and Castle Trust Bank subsidiary offering point-of-sale lending (interest-free and interest-bearing) to consumers through 2,000+ partner retailers across furniture, home improvement, healthcare, technology, and lifestyle verticals via its proprietary OmniPort platform.

Ownership category

akta.pro rank

Product category

Consumer Finance

NAICS

Sales Financing (52222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)

akta.pro secondary industries

Omnichannel POS Financing (Unified Online + In-Store) (FSAKAFAE), In-Store POS Installment Financing (FSAKAFAD)

Keywords

• Retail finance
• Point-of-sale lending
• Buy now pay later
• Interest-free credit
• Consumer credit solutions

Headquarters

HQ city

Watford

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Point-of-Sale Retail Finance: Omni Capital Retail Finance generates revenue by providing retail finance solutions to merchants, enabling customers to spread the cost of purchases through interest-free credit or interest-bearing installment plans. The company earns revenue through transaction fees and interest charges on financed purchases.
2. Interest-Free Credit Facilities: Revenue generated from 0% APR interest-free credit options offered to customers, where Omni earns through transaction processing fees from participating retailers.
3. Interest-Bearing Finance Solutions: Revenue from interest-bearing credit solutions ranging from 3.90% APR up to 60-month terms, generating interest income on financed purchases.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Omni Capital Retail Finance provides point-of-sale retail finance solutions to UK retailers and their customers, including 0% APR interest-free credit, interest-bearing finance from 3.90% APR, Buy Now Pay Later, and Deferred Payment Credit with terms up to 60 months. Its proprietary OmniPort platform delivers paperless credit approvals, instant decisions, and omni-channel experiences across in-store and online retail touchpoints.

Product overview

Omni Capital Retail Finance operates as a retail finance provider powered by its core platform OmniPort. OmniPort serves as the proprietary retail finance software delivering paperless credit approvals with instant decisions and omni-channel capabilities. The company offers a suite of finance products including 0% APR interest-free credit, interest-bearing solutions from 3.90% APR, Buy Now Pay Later, and Deferred Payment Credit options with terms up to 60 months. Retailer integration is achieved through the OmniPort API, e-commerce plug-ins for Magento, WooCommerce, and BigCommerce, and pre-built web form widgets. The platform supports both online and in-store applications with real-time reporting and webhook status updates.

Differentiator

Problem solved

Functional benefit

Brands

• OmniPort: Proprietary retail finance software platform offering paperless credit approvals, instant decisions, omni-channel functionality, and seamless integration for retailers.

Products and services

• OmniPort Platform Proprietary retail finance software platform providing paperless credit approval solutions with seamless customer journeys, instant credit decisions, real-time reporting, and omni-channel functionality for online and in-store applications. Used by retailers to embed finance at point of sale.
• Retail Finance Solutions (Interest-Free and Interest-Bearing Credit) Comprehensive retail finance offerings for end consumers, including 0% APR interest-free credit, interest-bearing finance from 3.90% APR with terms up to 60 months, Buy Now Pay Later, and Deferred Payment Credit options. Made available to qualifying customers through partner retailers at point of sale.
• OmniPort API API architecture enabling retailers to build custom branded finance calculators and embed the entire finance application within their websites or POS systems, with configurable deposit options, term lengths, and rates, plus webhook functionality for real-time status updates.

Quantifiable outcome

• NPS score of +62
• +3 more outcomes

Named customers6 records

Segments8 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature8 records

Partnerships

Two partnerships are on record, tiered core.

• St Joseph's HospitalcoreStrategic or Co-development Partner · 27 May 2026Omni introduced a tailored retail finance solution for medical treatments at St Joseph's Independent Hospital. The partnership improves affordability and reduces delayed treatment decisions. The hospital has seen strong uptake of finance across wide range of procedures, supporting better patient outcomes and higher volumes of activity. St Joseph's celebrates 80 years of excellent care in 2026.
• Stokers (Stokers Fine Furniture, Christopher Pratts, Russell Dean)coreChannel Partner/ Reseller/ Distributor · 23 June 2025Omni Capital Retail Finance partnered with national furniture retailer Stokers as the sole credit provider. Omni provides interest-free credit facilities in-store and online across their 10 stores. The partnership aligns Stokers' customer-first approach with Omni's market-leading credit services, enabling customers to purchase quality furniture affordably.

Scale indicators7 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Close Brothers Retail Finance: UK-focused retail finance provider offering point-of-sale installment and interest-free credit to retailers across similar verticals (furniture, home improvements, healthcare). Closest direct competitor to Omni in B2B2C retail finance with comparable product set and FCA-regulated status.
• Hitachi Capital (Novuna) Personal Finance: Long-standing UK retail finance provider offering POS installment plans and 0% APR credit to retailers in home improvement, leisure and healthcare. Comparable omnichannel POS finance offering and similar vertical mix to Omni.
• Creation Financial Services: UK retail finance provider (part of BNP Paribas Personal Finance) delivering interest-free and interest-bearing POS credit through retailer partnerships. Closely overlaps with Omni in product structure, retailer-led distribution, and regulated consumer credit positioning.

Emerging players

• DivideBuy: UK-focused regulated retail finance platform offering interest-free and interest-bearing credit at checkout for retailers in furniture, technology and lifestyle. Comparable B2B2C model targeting similar SMB and mid-market retailers.
• Zilch: UK BNPL provider offering 'pay anywhere' consumer credit, increasingly moving into regulated territory. Competes with Omni at the consumer checkout, particularly in mid-ticket retail and online, though Zilch is consumer-direct rather than retailer-led.
• Duologi: UK point-of-sale finance provider offering interest-free and interest-bearing credit via e-commerce integrations. Comparable B2B2C retailer-led model with similar product positioning to Omni, smaller scale.

Broad incumbents

• Klarna: Global BNPL incumbent offering pay-in-installments, pay-in-30 and interest-bearing credit through retailer integrations. Targets the same UK retailer shelf space as Omni at checkout, with a far larger consumer brand and broader geographic reach.
• Clearpay (Block / Afterpay): Pay-in-4 BNPL provider operating in the UK under the Block/Afterpay umbrella. Competes with Omni at online checkout for short-tenor consumer credit, particularly in fashion and lifestyle verticals.
• Barclays Partner Finance: Barclays' retail finance arm offering interest-free and interest-bearing POS credit to UK retailers. Competes head-to-head with Omni for enterprise retailer partnerships, with the advantage of being attached to a major UK clearing bank balance sheet.

Regional players

• Snap Finance: US-based retail finance provider focused on lease-to-own and installment credit for non-prime consumers across furniture, mattresses and healthcare. Comparable vertical mix and B2B2C retail finance model, but operates only in North America rather than the UK.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/3172745
• Xx.com/OmniCapitalRF

Compliance1 record

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 Omni Capital Retail Finance