What Bexhill Management does

Bexhill UK Limited is a UK-registered financial services firm (company number 03987793) that specialises in insurance premium finance, founded in 2000 and headquartered at 222 Armstrong Road, Luton. It is a wholly-owned subsidiary of Orchard Funding Group Plc, which is listed on the London Stock Exchange AIM market (ticker: ORCH) following a 2015 group formation, and operates under FCA authorisation (firm reference number 630654) — notably the first premium finance provider to receive full FCA authorisation. The company sells to UK insurance brokers through a sales-led go-to-market motion anchored by a dedicated team and industry-event presence at the annual BIBA Conference.

The firm's core products split into two models: the In-House Premium Funding Solution, which allows brokers to set up and operate their own FCA-authorised finance company using Bexhill's regulatory support, training, and proprietary LendXP software platform (with seven integrated workbenches for client management, finance agreements, cashbook, funding applications, general ledger, collections via BACS, and reporting); and the Direct Premium Funding Solution, in which Bexhill lends directly to broker clients over 3–12 month terms with no minimum usage requirement. Supporting offerings include a 0% Professional Indemnity Insurance funding product for solicitors and accountants, and Open Banking integration for affordability assessment.

Revenue is generated through a combination of net interest spread on premium finance agreements (the primary stream), recurring monthly software licence fees for In-House clients, direct-debit transaction fees, and default administration charges (£10 per incident). As of the most recent disclosures, Bexhill serves more than 250 UK insurance brokers across enterprise, mid-market, and SMB tiers, with multiple customer relationships exceeding a decade.

Name

Bexhill Management

Legal name

Bexhill UK Limited

Website

https://bexhillukfunding.com

Company type

Public

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Bexhill UK provides insurance premium finance to UK insurance brokers via In-House (broker-owned finance company) and Direct (Bexhill-lent) models, supported by its proprietary LendXP platform. A subsidiary of AIM-listed Orchard Funding Group Plc, it serves 250+ brokers and is FCA-authorised.

Ownership category

akta.pro rank

Product category

Insurance Premium Finance Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (52222)

SIC

Loan Brokers (6163)

akta.pro primary industry

Embedded Insurance Distribution & Premium Financing (FSAGALAF)

akta.pro secondary industry

Billing, Payments & Premium Finance Platforms (FSAGAGAI)

Keywords

• Premium funding solutions
• Insurance broker finance
• Finance management software
• Professional indemnity finance
• FCA-authorised lending

Headquarters

HQ city

Luton

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Premium Finance Interest: Bexhill UK generates revenue primarily through interest charged on premium finance agreements. Brokers either use the In-House solution (running their own finance company with Bexhill's platform and support) or the Direct solution (Bexhill provides funding directly). Revenue comes from the spread between funding costs and interest charged to end customers (insurance brokers' clients).
2. Software Licensing: Monthly software license fees for brokers using the In-House Premium Funding Management System, which provides the infrastructure to run their own premium finance company.
3. Direct Debit Bank Charges: Transaction fees from direct debit collections processed through BACS for premium finance agreements.
4. Default Administration Fees: Fees charged when customers default on payments (currently £10 per default incident for Direct brokers).

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

Bexhill UK provides insurance premium finance solutions to UK insurance brokers via two channels: an In-House Funding Solution that enables brokers to set up and run their own FCA-authorised finance company using Bexhill's proprietary LendXP platform, regulatory support and capital, and a Direct Funding Solution in which Bexhill itself lends to the broker's end-customer. A 0% Professional Indemnity insurance funding product for solicitors and accountants and dedicated software platforms (LendXP and Direct Management System) support the offering. Revenue is primarily derived from interest on premium finance agreements together with monthly software licence fees.

Product overview

Bexhill UK offers a portfolio of premium finance solutions for insurance brokers. The core offerings consist of two distinct models: the In-House Premium Funding Solution, which enables brokers to own and operate their own premium finance company using Bexhill's regulatory, operational, and IT infrastructure; and the Direct Premium Finance Solution, where Bexhill acts as the lender. Supporting these is a 0% PI Insurance Funding product for professional indemnity financing. The company provides two software platforms—the In-House Management System (LendXP) with seven interactive workbenches for full finance company management, and the Direct Management System for streamlined direct facility operations. The product architecture is designed for broker empowerment, allowing brokers to choose between self-operated in-house facilities or Bexhill-managed direct solutions.

Differentiator

Problem solved

Functional benefit

Brands

• LendXP: Finance management system platform for brokers to manage their premium funding agreements in real-time
• In-House Funding Solution
• Direct Funding Solution
• 0% PI Insurance Funding

Products and services

• In-House Premium Funding Solution A turnkey premium finance offering for UK insurance brokers that enables them to set up and operate their own FCA-authorised finance company using Bexhill's LendXP platform, regulatory support and capital. Brokers gain full control over finance terms, customer journey and profit margins, achieving substantially higher returns than traditional commission models (recommended for brokers with £500,000+ annual premium finance volume).
• Direct Premium Finance Solution A third-party premium finance offering in which Bexhill UK acts as the lender to the broker's client, providing competitive rates, flexible 3–12 month terms, low default charges (£10) and no minimum annual usage requirement. Settlement is paid 10 days after the first successful Direct Debit collection.
• 0% PI Insurance Funding A 0% interest-free financing product specifically designed to fund Professional Indemnity (PI) insurance premiums for UK solicitor and accountancy practices, allowing them to spread the cost of mandatory cover without paying interest.
• In-House Management System (LendXP) A comprehensive proprietary software platform with seven interactive workbenches that allows brokers running their own In-House premium finance company to manage client databases, generate finance agreements, run an automated cashbook, process funding applications, maintain a general ledger, handle collections, and produce extensive reporting in real time.
• Direct Management System A proprietary software platform provided to brokers using Bexhill UK's Direct Funding Solution, offering interactive workbenches for client management, finance agreement creation and extensive reporting with full system integration into the direct lending workflow.

Quantifiable outcome

• Brokers with In-House facilities can achieve substantially higher returns than traditional commission models
• +2 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Orchard Funding LimitedcoreStrategic or Co-development PartnerSister company established in 2008 for professional fee funding. Both Bexhill and Orchard handle origination responsibilities for the Orchard Lending Club P2P platform.
• Orchard Lending ClubminorStrategic or Co-development PartnerP2P lending platform spun out of Orchard Funding Group PLC in 2016. Offers investors up to 7.08% interest by lending to professional practices, schools, and insurance brokers' clients. Bexhill and Orchard Funding handle origination for the platform.
• Nova InsurancecoreOthersLong-standing broker partner (10+ years) using In-House premium finance solution. Provides testimonials and case study reference for Bexhill.

Scale indicators5 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• Premium Credit: UK's largest premium finance provider, owned by BNP Paribas Personal Finance. Directly competes with Bexhill UK in both In-House and Direct premium finance for UK insurance brokers, with substantially larger balance sheet and funding capacity.
• Close Brothers Premium Finance: Direct competitor providing premium finance to UK insurance brokers and intermediaries, part of Close Brothers Group. Competes head-to-head on Direct facility pricing, broker service, and In-House programme support.
• Hitachi Capital Premium Finance (now Trilease / Novuna): Established UK premium finance provider serving insurance brokers with Direct lending facilities. Competes with Bexhill on broker relationships and finance terms across commercial and personal lines.
• Orchard Funding Limited: Sister company within Orchard Funding Group Plc providing professional fee funding and P2P lending through Orchard Lending Club. Comparable in mission (alternative finance for brokers/professionals) and customer base overlap.

Broad incumbents

• Lloyds Banking Group (Commercial Lending): Large incumbent UK bank with commercial premium finance offerings. Relevant as a broad incumbent competing for premium finance wallet share and benchmark for funding cost and capacity in UK lending.
• Shawbrook Bank: UK specialist bank serving SMEs and professional services with lending products. Relevant comparable for Bexhill's regulated lending model and funding economics, though not a direct premium finance competitor.
• Funding Circle: UK-origin P2P/sME lending platform. Comparable to Orchard Lending Club as an alternative finance channel and to Bexhill as a regulated non-bank lender serving UK SMEs.
• LendInvest: UK specialist property finance platform with FCA authorisation. Comparable in offering a regulated alternative lending platform with proprietary technology infrastructure.

Regional players

• Capitalflow (Ireland): Ireland-based premium finance provider serving insurance brokers with comparable Direct funding and In-House solutions. Comparable in model, though operates in a different (Irish) geography.
• Premium Credit Ireland: Irish subsidiary of Premium Credit offering broker premium finance solutions. Comparable model and product set to Bexhill UK, serving brokers in Ireland rather than the UK.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/BexhillUK
• Facebookfacebook.com/BexhillUKLtd
• LinkedInlinkedin.com/company/bexhill-uk-ltd-87740a53

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Bexhill Management