Yellow Stone Finance

What Yellow Stone Finance does

Yellow Stone Finance is a London-based, FCA-regulated (firm reference 814533) commercial finance broker founded in 2018 that intermediates debt for property investors, business owners, and commercial developers. The firm operates three product lines: Commercial Investment, Property Finance, and Business Finance, drawing on a panel of 200+ lenders to source funding for clients. The team reports 100+ years of combined broking experience and the firm is led by CEO Miranda Khadr; membership in the NACFB and a FIBA Executive Board seat position it within the UK commercial finance industry's principal trade and compliance bodies.

The firm's revenue model is a transaction-based brokerage fee of 0-3% of the gross loan amount, with no disclosed subscription, retainer, or SaaS components. Since inception the firm has placed £1.23bn of cumulative funding and reports a 96% client return rate, indicating a relationship-driven, repeat-engagement go-to-market rather than enterprise anchors. The business is headquartered in London, operates at a headcount of 11-50 employees, and is privately held and founder-owned.

The company has announced an upcoming extension into regulated mortgages and protection products, moving beyond unregulated commercial broking into consumer-facing credit and insurance distribution. There is no disclosed use of AI/ML tooling, proprietary technology platform, or data flywheel; operations appear to rely on human underwriting expertise and direct lender relationships rather than algorithmic matching or pricing automation.

Name

Yellow Stone Finance

Legal name

Yellow Stone Finance Group Ltd

Website

https://yellowstonefinance.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Yellow Stone Finance is an FCA-regulated London commercial finance broker founded in 2018, placing loans across commercial investment, property, and business finance via a 200+ lender panel for property investors and business owners.

Ownership category

akta.pro rank

Headquarters

HQ city

London

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

Revenue model

1. Broker Fee Income: Yellow Stone Finance charges a fee of 0% to 3% of the gross loan amount depending on the type of loan and individual circumstances. This is a transaction-based fee charged to borrowers for brokering finance solutions. The company also likely earns commissions from lenders for placing business with them.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

Yellow Stone Finance is a commercial finance brokerage that helps individuals and businesses access finance solutions across property and business funding sectors. It assesses client needs and matches borrowers with suitable finance products from a network of over 200 lenders, handling lender negotiations on behalf of clients.

Product overview

Yellow Stone Finance operates as a unified commercial finance brokerage platform providing three integrated service offerings: Commercial Investment finance for property development and commercial deals, Property Finance for residential and investment property acquisitions, and Business Finance for operational and growth capital needs. The company connects clients with over 200 lenders, combining over 100 years of collective broker experience to match borrowers with tailored finance solutions across the commercial, property, and business finance sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Investment Short-term financing solutions for commercial properties and development opportunities, offering amounts above £25,000 with no maximum limit and timescales as short as three months. For commercial property developers and investors.
• Property Finance Finance brokerage for purchasing first properties, expanding property portfolios, or acquiring new investment properties, with brokers handling lender negotiations on behalf of clients.
• Business Finance Business financing solutions for growth, expansion, and cash-flow requirements, including secured and unsecured facilities, invoice financing, and asset finance.

Quantifiable outcome

• £1.23bn of funding completed
• +1 more outcomes

Segments3 records

Ideal customer profiles3 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.

• National Association of Commercial Finance Brokers (NACFB)coreOthersYellow Stone Finance is a member of NACFB, the industry body that promotes best practice within the commercial finance industry. This membership indicates adherence to professional standards and best practices.
• Finance Brokers Association (FIBA)coreOthersYellow Stone Finance serves as Executive Board Members of FIBA, demonstrating leadership and influence within the finance brokerage industry.
• Network of 200+ LenderscoreChannel Partner/ Reseller/ DistributorThe company has access to over 200 lenders through which they place client financing. These lending partners provide the actual capital for loans arranged through Yellow Stone Finance's brokerage services.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Clifton Private Finance: UK-based commercial and personal finance broker arranging property and business finance through a panel of lenders. Highly comparable to Yellow Stone Finance in product mix (buy-to-let, commercial, business) and broker-led distribution model.
• Rangewell: UK commercial finance broker matching businesses with lenders across property, asset and working-capital finance. Directly comparable to Yellow Stone Finance on target customer (SME/property investor) and lender-panel intermediation model.
• Crystal Specialist Finance: UK specialist finance broker focusing on complex and short-term property and commercial lending. Comparable to Yellow Stone Finance on unregulated commercial investment, development finance and lender-panel distribution.
• ABC Finance: UK commercial finance broker arranging business loans, property finance and asset finance for SMEs and property investors. Overlapping product set and customer segments make it a close peer.
• Ultimate Finance: UK provider of commercial finance including property, business and asset finance products. Comparable to Yellow Stone Finance in SME and property investor target market, though also operates as a direct lender in some products.
• Praetura Commercial Finance: UK commercial finance broker/lender focused on property-backed and SME lending. Comparable product mix and target segments (commercial property, development finance, business loans) to Yellow Stone Finance.

Broad incumbents

• Bibby Financial Services: Large UK-based invoice finance and commercial funder offering working capital, asset finance and business lending. Comparable customer base (UK SMEs) and overlapping product categories, but operates at much greater scale and as a principal rather than pure broker.
• OakNorth Bank: UK challenger bank specialising in commercial property and business lending to SMEs and developers. Competes directly with Yellow Stone Finance's commercial investment and property finance verticals, but as a principal lender with proprietary credit decisioning.

Emerging players

• Funding Circle: UK-originated digital lending platform serving SMEs with business loans. Competes with Yellow Stone Finance for the same SME business-finance demand but does so via proprietary direct-lending technology, bypassing brokers.
• iwoca: UK digital lender providing flexible working-capital and business loans to SMEs. Targets the same business-finance segment as Yellow Stone Finance but via automated direct-lending, threatening the broker intermediation model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Y_StoneFinance
• Facebookfacebook.com/Yellow-Stone-Finance-289500628395872
• LinkedInlinkedin.com/company/yellow-stone-finance
• Instagraminstagram.com/yelllow_stone_finance/?hl=en

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Yellow Stone Finance