What Factoring Finance does

Factoring Finance Ltd is a UK-based independent commercial finance broker headquartered in Hoylake, Wirral, Merseyside. The firm arranges invoice finance (factoring, invoice discounting, and their confidential variants), commercial loans, commercial mortgages, bridging finance, and asset finance for UK small and mid-sized businesses, alongside a business protection layer of bad debt protection, non-recourse factoring, and credit insurance. It also arranges export factoring for UK businesses selling to overseas buyers, covering both EU and non-EU destinations. Customer acquisition is concentrated on UK SMEs and the lower mid-market (typical client turnover of £100,000 upwards, with facilities arranged from £50,000 up to £10 million+), spanning verticals such as recruitment, construction, manufacturing, distribution/haulage, import/export, retail, IT/telecoms, engineering, and agriculture.

The business model is a non-tied, whole-of-market brokerage: the firm sources facilities from a UK-wide independent broker network (including the National Independent Broker Network) rather than underwriting on its own balance sheet, and earns transactional commission and referral fees from lenders when deals are placed. There is no subscription or recurring platform revenue; each deal is quoted based on turnover, sector and risk, with no publicly disclosed pricing. Distribution is almost entirely inbound: an SEO-optimised content website with educational pages on invoice finance, cash flow, declining bank lending, and starting a business, supplemented by a phone-and-email enquiry channel (0151 632 0877) and an 'Am I Eligible' online eligibility form. No paid media, events, or formal outbound sales function is disclosed.

The operating technology is commodity: a WordPress-style content site fronted by CloudFlare for CDN and security, instrumented with Google Analytics and Google reCAPTCHA, with a privacy-policy-confirmed mailing list for opt-in communications. There is no proprietary finance platform, no public or partner-facing API, no mobile app, no disclosed data assets, and no AI/ML capabilities. Leadership consists of two named directors — Richard Appleby and Dick Appleby — who are also listed as primary contact points, implying a sub-10-employee organisation that combines broker origination, lender relationship management, and enquiry handling.

Name

Factoring Finance

Legal name

Factoring Finance Ltd

Website

https://factoringfinance.co.uk

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Factoring Finance Ltd is an independent UK commercial finance broker based in Merseyside, arranging invoice finance, commercial loans, mortgages, bridging, and asset finance for UK SMEs and lower mid-market businesses via a UK-wide independent broker network.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Invoice Factoring & Receivables Finance Brokerage (FSAEAEAO)

akta.pro secondary industries

Invoice Financing & Factoring (FSAKAGAC), Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

Keywords

• Invoice factoring
• Invoice discounting
• Commercial finance broker
• Asset finance lending
• Business credit protection

Headquarters

HQ city

Hoylake

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Broker commission on arranged finance: As an independent commercial finance broker, the company earns referral/transaction commissions from lenders and providers when it successfully arranges factoring, invoice discounting, commercial loans, mortgages, bridging, asset finance or business protection products for clients. Revenue is transactional and tied to each placed deal rather than a recurring subscription.
2. Broker network referral fees: Earns referral/commission income from finance arranged through the wider UK broker network and National Independent Broker Network partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Factoring Finance Ltd is an independent commercial finance broker that arranges invoice finance (factoring, discounting, confidential variants, asset backed lending, export factoring), other commercial finance (commercial loans, commercial mortgages, bridging finance, asset finance) and business protection products (bad debt protection, non-recourse factoring, credit insurance) for UK SMEs and lower mid-market businesses. The broker sources facilities from multiple lenders through its UK-wide broker network, typically arranging funding from £50,000 up to £10 million+ and releasing up to 90% of invoice value within 24 hours.

Product overview

Factoring Finance Ltd is a Merseyside-based independent commercial finance broker (not a single software product) that operates as a service portfolio. The offering is organised around two main pillars: Invoice Finance (Invoice Factoring, Confidential Invoice Factoring, Invoice Discounting, Confidential Invoice Discounting, Asset Backed Lending and Export Factoring), which advances up to 90% of invoice value within 24 hours; and Other Commercial Finance (Commercial Loans, Commercial Mortgages, Bridging Finance and Asset Finance). A Business Protection layer sits alongside these, including Bad Debt Protection, Non Recourse Factoring and Credit Insurance to insure against customer insolvency, plus supporting free resources such as a downloadable Invoice Template and an Am I Eligible funding form. Across the portfolio, Factoring Finance uses its UK-wide independent broker network to source facilities from multiple providers rather than promoting its own balance sheet products.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring A commercial finance solution that uses sales invoices as security, allowing businesses to be advanced up to 90% of invoice value within 24 hours while the factoring provider handles credit control and invoice collection on the business's behalf. Arranged by Factoring Finance on behalf of UK businesses.
• Confidential Invoice Factoring
• Invoice Discounting
• Confidential Invoice Discounting
• Asset Backed Lending
• Export Factoring
• Commercial Loans
• Commercial Mortgages
• Bridging Finance
• Asset Finance
• Bad Debt Protection
• Non Recourse Factoring
• Credit Insurance

Quantifiable outcome

• Up to 90% advance on the face value of invoices released on day one
• +2 more outcomes

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators6 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Capify: UK provider of invoice finance and small business working-capital products (formerly Merchant Cash Express). Direct competitor in the UK SME invoice-finance segment with a more digital-led proposition.
• Fleximize: UK alternative finance provider offering invoice finance and flexible funding to SMEs. Comparable in product offering and target customer, though it funds on its own balance sheet rather than as a broker.
• 1st Commercial Credit: UK independent invoice finance and business funding broker, arranging factoring, invoice discounting, asset finance and commercial loans for SMEs — directly overlapping Factoring Finance's core offering and target market.
• Touch Financial: UK-based independent commercial finance broker arranging invoice finance, factoring, asset finance and loans for SMEs. Closely comparable in product mix, customer segment and independent non-tied broker model.
• MarketFinance (now YouLend): UK-based invoice financing and business lending platform acquired by YouLend. Competes directly in UK SME invoice finance, combining broker-style market access with technology-led origination.
• UK Business Finance: UK-wide network of commercial finance brokers arranging invoice finance, asset finance, commercial mortgages and bridging. Comparable in independent broker model and SME focus, with a similar multi-product, multi-lender proposition.

Broad incumbents

• Close Brothers Asset Finance: UK provider of asset finance, invoice finance and commercial lending to SMEs and mid-market. Overlaps with several of Factoring Finance's product lines (asset finance, invoice finance, commercial loans) and competes for the same customer base.
• Bibby Financial Services: One of the largest UK invoice finance providers, offering factoring, invoice discounting, asset finance and bad debt protection. Operates as a principal funder, competing for the same SME clients that Factoring Finance routes to lenders.
• Aldermore: UK challenger bank with a substantial invoice finance and asset finance franchise serving SMEs. Comparable in serving the same UK SME working-capital demand that Factoring Finance addresses, but as a balance-sheet lender rather than a broker.
• Hitachi Capital Invoice Finance (now Brooks Macdonald Asset Finance-related): Major UK invoice finance provider offering factoring, discounting and asset-based lending to SMEs and mid-market. Represents the incumbent end of the market Factoring Finance brokers into.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/factoring-finance-limited

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 Factoring Finance