ABC Finance

Name

ABC Finance

Legal name

ABC Finance Limited

Website

https://abcfinance.co.uk

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

CMBS Conduit Lending (FSALADAF)

akta.pro secondary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Commercial finance brokerage
• Bridging loan broker
• Property finance services
• Business lending solutions
• Secured loan broker

Headquarters

HQ city

Cannock

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker/Lender Commission: ABC Finance earns commission from lenders for arranging bridging loans and other finance products. The company does not charge broker fees for arranging bridging loans, particularly for loans of £100,000 or above. Lender arrangement fees (typically 1-2% of loan amount) are charged by lenders and can often be added to the loan.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

ABC Finance is a whole-of-market UK commercial finance broker that arranges bridging loans, commercial mortgages, secured loans, business loans, buy-to-let mortgages, development finance, invoice finance, asset finance, HMO mortgages, and second charge mortgages on behalf of property investors, developers, business owners, and individual homeowners. The firm matches borrowers with lenders across its panel, earning commission from lenders rather than charging broker fees to customers.

Product overview

ABC Finance is an FCA-regulated commercial finance broker operating since 2000, offering a comprehensive portfolio of property and business finance products. The core offering centres on bridging loans (short-term secured finance), supplemented by commercial mortgages, secured loans, business loans, development finance, invoice finance, and asset finance. The company serves property investors, developers, business owners, and individuals across the UK through a whole-of-market broker model. Key product lines include standard bridging loans, large bridging loans (£1m+), agricultural bridging, auction finance, property refurbishment finance, and planning gain finance, alongside residential and commercial mortgage products, HMO mortgages, buy-to-let mortgages, second charge mortgages, and specialist invoice/asset finance. The product portfolio functions as an integrated broker service, matching borrower needs across the finance spectrum with appropriate lenders.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridging Loans Short-term secured loans designed to bridge the gap between two property transactions, typically used for fast property purchases, auction finance, or refinancing. Available as regulated (for residential owner-occupied properties) and unregulated products, with terms from 1-36 months. Targeted at property investors, developers, and homeowners needing fast completion.
• Commercial Mortgages Long-term mortgage products for commercial properties including shops, warehouses, offices, and mixed-use developments. Includes Large Commercial, Semi-Commercial, Commercial Investment, Agricultural, and Bad Credit sub-categories. Aimed at UK business owners and commercial property investors.
• Secured Loans Loans secured against property assets for individuals and businesses with credit challenges, self-employed applicants, or those seeking business funding. Also known as second charge mortgages or homeowner loans. Targeted at borrowers who struggle with mainstream unsecured lending.
• Business Loans Finance products for businesses including loans to buy a business, secured and unsecured options, fast approval loans, and merchant cash advances. Targeted at UK SMEs and business owners needing working capital or acquisition funding.
• Buy to Let Mortgages Specialist mortgage products for property investors renting to tenants. Available for limited companies and individual landlords, including first-time buyers, remortgage options, interest-only structures, and bad credit pathways. Targeted at landlords and property investors.
• Development Finance Short to medium-term funding for property developers constructing new residential or commercial buildings. Includes commercial, residential, 100% development finance, and build-to-let options. Targeted at property developers.
• Invoice Finance Cash flow solutions allowing businesses to release funds from unpaid invoices. Includes factoring, confidential invoice discounting, asset-based lending, and specialist products for recruitment and construction sectors. Targeted at UK businesses needing working capital.
• Asset Finance Equipment and asset financing including hire purchase, finance leases, operating leases, and asset refinance options for business equipment acquisition. Targeted at businesses acquiring physical equipment or vehicles.
• HMO Mortgages Specialist mortgages for Houses in Multiple Occupation (HMO) investment properties. Includes products for limited companies, large HMO portfolios, and HMO development finance. Targeted at HMO landlords and property investors.
• Second Charge Mortgages Loans secured behind a first charge mortgage, enabling borrowers to raise funds without repaying their existing mortgage. Available for bad credit borrowers, buy-to-let investors, and fast-track options. Targeted at homeowners and BTL investors seeking additional capital.
• Homeowner Loans Loans secured against residential property for homeowners, including bad credit homeowner loans, fixed rate options, and debt consolidation products. Targeted at individual homeowners needing secured personal borrowing.
• Debt Consolidation Loans Finance products allowing homeowners to consolidate existing debts by securing against their property, potentially at lower interest rates than unsecured alternatives. Targeted at individuals seeking to restructure personal debt.
• Large Bridging Loans Specialist bridging loans of £1 million or more for high-value property transactions, offering bespoke service, lower fees, and access to exclusive interest rates not available to standard borrowers. Targeted at high-net-worth investors, developers, and institutional property buyers.
• Agricultural Bridging Loans Short-term finance secured against farms and agricultural holdings for purchasing, refinancing, land acquisition, or business expansion, with terms up to 36 months and rates from 0.75% per month. Targeted at UK and foreign national farmers and agricultural businesses.
• Property Refurbishment Finance Bridging finance specifically designed to fund property renovation, refurbishment, and conversion projects, allowing borrowers to finance both purchase and renovation costs. Targeted at property investors and developers.
• Auction Finance Bridging loans designed to complete property purchases at auction within the required 28-day timeframe, with fast approval and completion processes. Targeted at property investors and buyers purchasing at auction.
• Planning Gain Finance Short-term bridging loans to fund property transactions while planning permission is obtained, allowing investors to purchase sites with potential for planning approval. Targeted at property developers and investors.

Quantifiable outcome

• Decision in principle within 2 hours of enquiry
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Financial Intermediaries and Brokers Association (FIBA)coreOthersFIBA member organization representing finance brokers and intermediaries. FIBA membership provides industry credibility, access to industry networking, and demonstrates commitment to professional standards in the commercial finance sector.
• Financial Conduct Authority (FCA)coreOthersABC Finance is authorized and regulated by the Financial Conduct Authority (Registration No. 304671). FCA regulation ensures consumer protection, regulatory compliance, and access to regulated financial products including bridging loans secured against primary residences.
• Whole-of-Market Lender PanelcoreChannel Partner/ Reseller/ DistributorABC Finance operates as a whole-of-market broker with access to multiple bridging loan lenders across the UK market. Lenders include specialist bridging lenders, challenger banks, and institutional funders. Some exclusive rates are only available through ABC Finance.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Fluent Money: UK specialist lending and bridging loan broker offering short-term finance, BTL, and commercial products. Comparable to ABC Finance because it also brokers across multiple lenders and serves similar investor/developer and homeowner segments.
• Brightstar Financial: UK whole-of-market specialist finance broker focused on bridging, BTL, development, and commercial mortgages. Closely comparable to ABC Finance in product breadth, panel-based broker model, and target customer (property investors and developers).

Broad incumbents

• Octopus Property: UK specialist property finance arm of Octopus Group offering bridging, development, and BTL finance via broker channels. Comparable because it serves the same investor/developer borrower pool as ABC Finance through broker distribution.
• Shawbrook Bank: UK challenger bank with a large specialist property finance and BTL/business lending book. Comparable because Shawbrook is a key broker-distributed lender across bridging, BTL, and commercial mortgages — the same products ABC Finance arranges.
• L&C (London & Country Mortgages): One of the largest UK mortgage brokers, offering whole-of-market advice across residential and some specialist lending. Comparable to ABC Finance through the whole-of-market broker model and FCA-regulated advisory approach.
• Funding Circle: UK SMB lending platform offering business loans and invoice finance. Comparable to ABC Finance through the UK business finance distribution model and overlap in business loans and invoice finance products.

Emerging players

• Habito: UK digital mortgage broker using technology to match borrowers with lenders. Comparable to ABC Finance as a UK broker intermediating between borrowers and lenders, though focused more on residential mortgages than commercial bridging.
• Better.co.uk: UK digital mortgage broker applying technology to lender matching. Comparable as a UK broker intermediating between consumers and lenders; overlaps with ABC Finance's secured loan and residential bridging propositions.
• Together Money: UK specialist lender offering bridging, BTL, and commercial finance, often distributed via brokers including ABC Finance. Comparable through shared focus on short-term secured property lending and bad-credit/alternative borrower segments.
• Market Financial Solutions (MFS): UK specialist short-term property finance provider offering bridging and development loans directly. Comparable because MFS is a key panel lender ABC Finance distributes into, and shares the same bridging/development borrower base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/abcfinanceltd
• YouTubeyoutube.com/@abcfinancelimited
• Facebookfacebook.com/abcfinancelimited
• LinkedInlinkedin.com/company/abc-finance-limited
• Instagraminstagram.com/abcfinancelimited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 ABC Finance