Lindsay Commercial Finance

What Lindsay Commercial Finance does

Lindsay Commercial Finance Limited (LCF) is a Belfast-headquartered commercial finance brokerage authorised and regulated by the Financial Conduct Authority (firm registration 738489) under company number NI636597. Founded in 2016 by Kyle Lindsay, a former Ulster Bank commercial banker with 26 years of experience, LCF operates as a licensed credit broker — not a lender — sourcing and arranging funding from a panel of over 20 traditional banks and alternative funders for SMEs, property developers, and asset buyers. Its primary market is Northern Ireland, with secondary coverage across the wider UK.

The firm offers three core product lines: Business Finance (SME cashflow facilities, trading premises purchase, refinancing, acquisitions), Property Finance (investment property loans and development funding including 100% WIP and interest roll-up structures), and Asset Finance (equipment, vehicle, and soft-asset finance including IT funding). Recent notable completions include a £7M development facility for N&R Devine Group, a £2.8M facility from Assetz Capital for MAM Group's Coastal Links Apartments, and a £7.2M property development package. A specialist agri-food vertical is supported by a dedicated relationship manager with 30+ years of farming experience.

LCF is a relationship-led, sales-led B2B intermediary. The four-person relationship director team collectively carries 60+ years of Northern Ireland banking experience (Ulster Bank, First Trust Bank, KPMG, corporate banking), which is positioned as the firm's primary differentiator against other brokers and direct lender channels. Revenue is generated entirely through lender-paid commissions under three disclosed models: fixed fee, fixed rate, or percentage of borrowed amount. There is no proprietary technology platform — the operation runs on WordPress, LinkedIn/Facebook presence, and a referral-driven network of accountants, lawyers, and existing clients. The firm is independently owned by its founding directors with no institutional investors, no parent company, no subsidiaries, and no disclosed funding rounds.

Name

Lindsay Commercial Finance

Legal name

Lindsay Commercial Finance Limited

Website

https://lindsaycommercialfinance.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Lindsay Commercial Finance is an FCA-authorised Belfast-based credit brokerage that arranges business, property, and asset finance for Northern Ireland and UK SMEs through a panel of 20+ lenders. Founded in 2016 by former Ulster Bank executives, the firm earns lender-paid commissions and runs on a relationship-led model.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industry

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Commercial finance brokerage
• Business finance solutions
• Property development funding
• Asset finance brokerage
• SME cashflow lending

Headquarters

HQ city

Belfast

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Broker Commission: Lindsay Commercial Finance operates as a licensed credit broker earning commission from lenders on the panel. Commission models include fixed fees, fixed rate of commission, and percentage of the amount borrowed. The company sources and arranges funding from a panel of traditional banks and alternative funders for clients seeking business finance, property development, and asset purchases.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Lindsay Commercial Finance operates as an FCA-authorised credit broker (not a lender), sourcing and arranging commercial funding for businesses primarily in Northern Ireland and across the UK. The firm matches clients to a panel of traditional banks and alternative funders across three core product lines: Business Finance (SME cashflow, acquisitions, refinancing), Property Finance (investment property loans and development funding including interest roll-up and 100% WIP), and Asset Finance (equipment, vehicle, soft asset and IT funding).

Product overview

Lindsay Commercial Finance operates as a commercial finance brokerage, offering three core product lines: Business Finance (trading business loans, acquisitions, premises financing, and refinancing), Property Finance – Investment and Development (investment property loans and development funding including interest roll-up and 100% WIP funding), and Asset Finance (equipment finance, vehicle finance, soft asset finance, and IT funding). These services are delivered through a panel of mainstream banks and alternative funders. The company also maintains a Funding Wall showcasing recent completed deals as a reference portfolio. The offering functions as a unified brokerage service rather than a software platform, coordinating multiple lenders to match client funding requirements.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Finance Commercial finance brokerage service for trading businesses throughout Northern Ireland, covering new business acquisitions, trading premises purchases, refinancing of existing bank facilities, working capital and cashflow funding. Sourced from a panel of traditional banks and alternative funders.
• Property Finance – Investment and Development Property investment and development funding service including interest-only investment property loans, development projects on an Interest Roll Up basis, and 100% WIP funding. Targets experienced property developers and investors in Northern Ireland.
• Asset Finance Flexible funding options for business assets including equipment finance (plant, machinery, agricultural, catering), vehicle finance (haulage, car, van, trailer), and soft asset finance (IT hardware, software, telecoms, CCTV, medical, audio visual, gym equipment, furniture and fittings).
• Bridging Loans Short-term bridging finance arranged by LCF to fund property acquisitions, designed to be converted to development loans upon receipt of planning approval.
• IT Funding Finance arranged for IT and computer requirements of businesses, including hardware upgrades and software, with funds typically available within days of application.

Quantifiable outcome

• Funding typically available within days of application for IT hardware purchases
• +3 more outcomes

Named customers11 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Erudite Digital SolutionsminorGTM or Marketing PartnerErudite Digital Solutions provides digital marketing services including social media management, social media advertising, email marketing, blog writing, and website support/strategy. They help LCF with digital presence and online growth strategy.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• Assetz Capital: UK peer-to-peer and development finance platform that is both a lender partner of LCF and a partial adjacent comparable. Relevant as a financing source for development deals LCF arranges.

Direct peers

• Charles & Dean: UK commercial finance and asset finance brokerage serving SMEs with a multi-lender panel. Comparable broker model with similar product offering spanning business, property, and asset finance.
• Rangewell: UK commercial finance broker matching SMEs with a panel of lenders across business loans, asset finance, and property development funding. Directly comparable brokerage model with broader tech-enabled matching.
• 1st Commercial Credit: UK-based commercial finance broker providing business loans, invoice finance, and asset finance through lender panels. Comparable SME-focused intermediation model.
• Think Business Loans: UK commercial finance broker arranging business loans, asset finance, and commercial mortgages from a lender panel. Similar relationship-led brokerage targeting UK SMEs.
• Clifton Private Finance: UK commercial finance broker arranging business loans, commercial mortgages, and development finance through lender panels. Similar intermediation role targeting SMEs and property professionals.
• ABC Finance: UK broker specialising in asset finance and commercial lending for SMEs via lender panel access. Directly comparable product mix in equipment and vehicle finance intermediation.
• Hilton-Baird Financial Solutions: UK commercial finance broker arranging asset finance, business loans, and commercial mortgages via a panel of lenders. Closely comparable intermediation model with similar SME customer base.

Emerging players

• Capitalise: UK commercial finance platform connecting SMEs with lenders via digital matching. Comparable customer base but tech-enabled model represents an emerging competitive threat to traditional brokers.
• Funding Options: UK online commercial finance marketplace matching SMEs with lenders across multiple product types. Comparable customer base with more digitised matching versus LCF's relationship-led approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/lindsaycommercialfinance
• LinkedInlinkedin.com/company/lindsay-commercial-finance

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 Lindsay Commercial Finance