Satellite Finance

What Satellite Finance does

Satellite Finance Limited is a UK-based credit broker and lender, headquartered in Newport, South Wales, and authorized and regulated by the Financial Conduct Authority (firm reference 656224). The company operates as an intermediary between UK businesses seeking finance and a panel of over 40 banks and lenders, including major institutions (Lloyds, NatWest, Santander, Société Générale), challenger banks (Aldermore, Metro Bank, Shawbrook), and specialist financiers (Close Brothers, Grenke, Siemens Financial Services, PEAC, Macquarie). Its product portfolio spans five core categories: Asset Finance (equipment leasing, hire purchase, refinancing), Vehicle Finance (car and commercial vehicle contract hire, leasing, hire purchase), Invoice Finance (invoice discounting, factoring, select invoice financing), Commercial Mortgages (up to £40M), and Loans (commercial, professional, personal, and corporate tax/VAT loans ranging from £3K to £1M).

The business model is commission-based: Satellite Finance charges no fees to customers and instead receives fixed fees or percentage-based commissions from lenders for successfully introduced business. The company has facilitated over £100M in lending to 4,500+ customers over a 10-year operating history, with 40% of customers returning for repeat business. Distribution combines direct sales (phone, email, website eligibility checker) with an introducer/partner network of equipment suppliers and financial advisers. The company segments its offering across at least 11 verticals — agriculture, catering, garage equipment, gym, IT/comms, medical, office, plant & machinery, renewable energy, franchise, and shopfit — enabling sector-specific lender matching.

Satellite Finance is privately held by its directors (Sam McShane, Jon Beese, Jon Williams, Paul Smith) with no external private equity or venture capital backing. The team is intentionally small (11-50 employees) to preserve a personalized service model. There is no proprietary technology platform disclosed beyond a credit broking interface connecting borrowers to its lender panel; eligibility checking, paperwork handling, and lender matching are described as human-led processes.

Name

Satellite Finance

Legal name

Satellite Finance Limited

Website

https://satellitefinancelimited.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Satellite Finance is a UK-based FCA-authorized credit broker that connects businesses with a panel of over 40 lenders across asset finance, vehicle finance, invoice finance, commercial mortgages, and loans, earning commission from lenders rather than charging customers.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Sales Financing (52222)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162), Finance Lessors (6172)

akta.pro primary industry

Equipment & Asset Finance Brokerage (FSAEAEAJ)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Fleet & Commercial Vehicle Finance (FSAKADAE)

Keywords

• Commercial finance brokerage
• Business asset finance
• Invoice financing services
• Commercial vehicle finance
• Commercial mortgage lending

Headquarters

HQ city

Newport

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from Lenders: Satellite Finance does not charge fees to customers. Instead, lenders pay commission to Satellite Finance for introducing customers. This commission is either a fixed fee or a percentage of the amount borrowed.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Satellite Finance operates as a credit broker and lender connecting UK businesses with a panel of over 40 banks and lenders to source finance for equipment, vehicles, invoices, commercial property, and general business purposes. The company arranges asset finance, vehicle finance, invoice finance, commercial mortgages, and commercial, professional, personal, and tax/VAT loans, charging no fees to customers and earning commission from lenders for introductions.

Product overview

Satellite Finance is a business finance brokerage operating as a credit broker and lender, not a bank. The company offers a comprehensive portfolio of financial products organized into five core service areas: Asset Finance (equipment leasing, hire purchase, and equipment refinancing), Vehicle Finance (car and commercial vehicle financing through contract hire and leasing), Invoice Finance (invoice discounting, factoring, and select invoice financing), Commercial Mortgages, and Loans (commercial, professional, personal, and corporate tax/VAT loans). The company maintains direct relationships with over 40 banks and lenders including Arkle Finance, Close Brothers, Aldermore, Bibby, Hampshire Trust Bank, Grenke, Invstec, Lloyds, Metro Bank, Shawbrook, Macquarie Bank, Siemens Financial Services, Santander, NatWest, Société Générale, and Ultimate Finance. Services are targeted at businesses across diverse sectors including agriculture, catering, garage equipment, gym equipment, IT/comms, medical, office equipment, plant and machinery, renewable energy, franchise, and shopfit. The company is authorized and regulated by the Financial Conduct Authority (FCA) under number 656224.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset Finance Financing solutions that allow businesses to acquire equipment and assets without paying the full cost upfront, spreading payments over 12-72 months while preserving cash flow. Includes equipment leasing, hire purchase, and equipment refinancing arranged through Satellite Finance's panel of 40+ lenders.
• Vehicle Finance Finance solutions for acquiring business vehicles including cars and commercial vehicles through contract hire, hire purchase, and leasing arrangements over 12-72 months, sourced from the company's lender panel.
• Invoice Finance Suite of financing solutions allowing businesses to access cash tied up in unpaid invoices by selling them to a third party, including invoice discounting (up to 90% of value), full factoring (typically 85%), and select invoice financing for single or batch invoices.
• Commercial Mortgages Mortgage financing for commercial properties ranging from £50,000 to £40 million, with loan-to-value ratios up to 75% and repayment periods of 5-30 years, arranged through the company's lender panel.
• Loans Comprehensive loan products including commercial loans (£3,000-£1 million, 24-hour funding), professional loans for specific professions (£3,000-£1 million), personal loans, and corporate tax/VAT loans (£1,000-£25,000, 1 week to 5 years), sourced from a panel of over 40 lenders.

Quantifiable outcome

• Money in account within 24 hours (for eligible customers)
• +2 more outcomes

Segments12 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• Capify: UK-based alternative finance provider offering business loans, merchant cash advances and invoice finance to SMEs; overlapping product mix and SMB customer segment with Satellite Finance.
• Simply Asset Finance: UK asset and business finance broker specialising in equipment, vehicle and commercial loans sourced through a lender panel — directly comparable go-to-market and product set to Satellite Finance.
• Henry Howard Finance: UK-based asset finance and business loans broker operating similarly to Satellite Finance, sourcing deals from a panel of lenders and earning commission on placements across equipment, vehicle and commercial loan products.
• Rangewell: UK business finance broker matching SMEs with lenders across asset finance, loans, commercial mortgages and vehicle finance — essentially the same product breadth and credit-broker business model as Satellite Finance.

Emerging players

• Liberis: Revenue-based finance provider targeting UK SMBs with embedded finance and online application flows; emerging digital competitor in the same SMB funding category where Satellite Finance operates.

Broad incumbents

• Bibby Financial Services: Established UK invoice finance and asset-based lending provider; competes with Satellite Finance's invoice finance and asset finance products from a direct-lender position rather than a broker model.
• Funding Circle: UK SMB lending marketplace offering business loans and invoice finance directly to borrowers; while it operates as a platform rather than a broker, it overlaps directly with Satellite Finance's customer base and product categories.
• Close Brothers Asset Finance: Major UK asset and vehicle finance lender; sits both as a competitor (direct-to-customer) and partner of Satellite Finance via its lender panel, making it a broad incumbent in the same categories.
• Aldermore: UK challenger bank with material asset finance and commercial lending franchises; operates as both a partner to Satellite Finance and a direct competitor to broker-introduced deals.
• Lloyds Bank Commercial Banking: UK high-street commercial bank offering business loans, asset finance, vehicle finance and commercial mortgages; represents the bank-disintermediation risk to brokers like Satellite Finance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/satellitefinance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Satellite Finance