What Haydock Finance does

Haydock Finance Limited is a UK-based, privately-held asset finance specialist founded in 1980 and headquartered in Blackburn, England. The company originates hire purchase, finance lease, refinance, chattel mortgage, and government-backed scheme facilities (CBILS, RLS, GGS) to UK small and medium-sized enterprises requiring financing for business-critical equipment, vehicles, and machinery across nine sector verticals: agriculture, bus and coach, construction, engineering, materials handling, manufacturing, prestige vehicles, transport and logistics, and waste and recycling.

The company distributes its products through three principal channels: a nationwide broker/intermediary network supported by dedicated regional broker managers and a PADTP quality assurance programme; direct vendor partnerships enabling point-of-sale finance with equipment suppliers; and four specialist sector divisions (Agriculture, Materials Handling, Prestige Vehicles, and a fourth Stock Finance operation). Revenue is generated through interest income and fees on lending agreements, with pricing determined case-by-case based on creditworthiness, asset type, and loan terms; no public pricing schedule is disclosed. Haydock funds its loan book through a combination of block discounting facilities (British Business Investments £25m in 2020; Downing LLP in 2021) and three consecutive public asset-backed securitisations of approximately £350m each completed in July 2023, July 2024, and June 2025, establishing a programmatic capital markets issuance programme.

The company operates with approximately 140 employees (range 101–250), no parent or subsidiary entities, and is led by Managing Directors Andy Taylor (Chief Commercial Officer) and Lee Pearson (Chief Operating Officer) following the March 2026 retirement of CEO John Jenkins. Haydock holds multiple industry awards including Asset Finance Provider of the Year (2020), SME Champion (2020), Esoteric ABS Deal of the Year (2024), and the Institute of Customer Service ServiceMark (2026), and is accredited as a Living Wage Employer and a British Business Bank partner for government lending schemes.

Name

Haydock Finance

Legal name

Haydock Finance Limited

Website

https://haydockfinance.co.uk

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

101–250 employees

Short description

Haydock Finance is a UK-based asset finance specialist founded in 1980 that provides hire purchase, finance lease, refinance, and government-backed lending facilities to small and medium-sized enterprises across nine sector verticals through a nationwide broker network and specialist sector divisions.

Ownership category

akta.pro rank

Headquarters

HQ city

Blackburn

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Asset Finance Lending: Haydock Finance provides hire purchase, finance lease, refinance, and other asset finance solutions to UK SMEs. Revenue is generated through interest income and fees on lending agreements.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Haydock Finance is a UK-based asset finance specialist providing hire purchase, finance lease, refinance, chattel mortgage and government-backed lending (CBILS, RLS, GGS) to small and medium-sized enterprises. The company delivers these solutions through a nationwide broker network, vendor partnerships, and dedicated sector-specific divisions covering agriculture, prestige vehicles, materials handling, waste and recycling, transport, construction, and manufacturing.

Product overview

Haydock Finance is an asset finance specialist offering a portfolio of lending products across multiple channels (broker, vendor, direct). Core products include Hire Purchase, Finance Lease, Refinance, Growth Guarantee Scheme, and Chattel Mortgage. The company operates sector-specific divisions for Agriculture, Prestige Vehicles, Materials Handling, Waste & Recycling, Construction, Transport & Logistics, Bus & Coach, Manufacturing, and Engineering. Specialized offerings include CBILS and Recovery Loan Scheme government-backed facilities, Dairy Cattle Finance for agriculture, and Vendor Finance partnerships. The company delivers these through broker introducers, vendor partnerships, and dedicated portals for brokers and vendors.

Differentiator

Problem solved

Functional benefit

Products and services

• Hire Purchase Asset finance product that spreads the cost of equipment investment through installment payments, with ownership transferring to the customer upon final payment. Targeted at UK SMEs acquiring business-critical assets.
• Finance Lease Lease arrangement providing quick access to equipment without the ties of ownership, with the lessor retaining ownership throughout the lease term. Targeted at UK SMEs seeking equipment without capital outlay.
• Refinance Solution to unlock value of existing assets to improve customer cash flow, including refinancing of assets already on HP or Lease agreements. Targeted at UK SMEs needing liquidity from existing assets.
• Chattel Mortgage Finance solution where the asset serves as collateral for the loan, with ownership transferring to the borrower. Targeted at UK SMEs requiring asset-secured lending.
• Growth Guarantee Scheme (GGS) Government-backed scheme to support SME growth and investment in business assets. Targeted at UK SMEs seeking supported asset finance.
• CBILS Asset Finance
• Recovery Loan Scheme (RLS)
• Dairy Cattle Finance
• Agricultural Asset Finance Asset finance solutions tailored for the agricultural sector, supporting farming businesses with specialized equipment and livestock financing needs. Targeted at UK farmers and agricultural businesses.
• Prestige Vehicle Finance Specialized asset finance for prestige and luxury vehicles for SME clients. Targeted at UK SMEs seeking prestige vehicle financing.
• Materials Handling Finance Asset finance solutions for materials handling equipment including forklifts and warehouse machinery. Targeted at materials handling sector businesses.
• Waste and Recycling Finance Asset finance for waste and recycling industry equipment including bailers, crushers, trommels, shredders, and MRF (Material Recovery Facility) assets. Targeted at waste and recycling businesses.
• Vendor Finance Finance solutions provided through vendor partnerships to help equipment suppliers increase sales by offering funding options to their customers. Targeted at equipment vendors and suppliers.
• Broker Services Dedicated support and portal for broker partners to submit proposals, track deals, and manage customer financing applications. Targeted at commercial finance brokers across the UK.
• Stock Finance Finance solutions for inventory and stock assets for SME businesses. Targeted at UK SMEs holding inventory or stock assets.

Quantifiable outcome

• 30% year-over-year increase in lending volume
• +4 more outcomes

Named customers6 records

Segments10 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor.

• PHVCminorChannel Partner/ Reseller/ Distributor · 1 January 2019Partnership to provide vendor finance to the minibus and fleet supplier's customers. Haydock's agreement helps support PHVC's growth by offering competitive funding options to their customers.
• FLA (Finance & Leasing Association)minorOthersIndustry association membership displayed on website footer.
• NACFB (National Association of Commercial Finance Brokers)minorOthersIndustry association membership with Andy Taylor elected to Board of NACFB Directors as Patron Director.
• Living Wage FoundationminorOthersAccredited as a Living Wage Employer, demonstrating commitment to fair pay for employees.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Close Brothers Asset Finance: Established UK banking group's asset finance division offering HP, leasing and structured finance to UK SMEs and corporates. Larger and broader than Haydock but with overlapping broker channels and product set.
• Lombard (NatWest Group): One of the largest UK asset finance providers within the NatWest banking group. Competes for the same SME broker-introduced asset finance deals at greater scale with cheaper funding.
• BNP Paribas Leasing Solutions: Major European asset finance provider active in the UK across vendor and direct channels. Multiple Haydock staff (Head of Materials Handling, agriculture broker manager) joined from BNP, reflecting direct talent and channel overlap.
• Novuna (formerly Hitachi Capital Business Finance): Large UK asset finance provider offering HP, leasing and refinancing to SMEs and consumers through brokers and direct channels. Directly comparable product mix and broker-led model, but at materially larger scale.
• Paragon Bank: UK specialist bank with a SME lending / asset finance division. Haydock's Head of Operations Asset Finance joined from Paragon's SME Lending business, demonstrating direct talent and operational overlap.

Direct peers

• Time Finance: UK-listed specialist asset finance provider offering hire purchase, lease and loan products to SMEs through a broker and direct channel. Comparable scale, product set and broker-led distribution model to Haydock.
• Aldermore Bank: UK challenger bank with a sizable asset finance and SME lending franchise serving the same UK SME broker-introduced customer base via hire purchase, leasing and refinance products. Closest like-for-like UK competitor to Haydock's broker-led model.
• Shawbrook Bank: UK specialist bank with a strong SME asset finance and business lending franchise, distributed partly through brokers. Several Haydock broker managers are ex-Shawbrook, evidencing direct competitive and talent overlap.

Emerging players

• JBR Capital: UK specialist prestige and high-end vehicle finance provider. Direct competitor in Haydock's Prestige Vehicles vertical; Haydock's prestige head previously worked at JBR.
• Hampshire Trust Bank: UK specialist challenger bank with a Specialist Car / asset finance division. Direct overlap with Haydock's Prestige Vehicles vertical (Haydock's Head of Prestige joined from HTB's specialist car team).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/haydockfinance
• LinkedInlinkedin.com/company/haydock-finance-limited
• Xx.com/Haydock_Finance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

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 Haydock Finance