UB Finance

What UB Finance does

UB Finance is a Sri Lanka-based financial services company founded in 1961 and headquartered in Colombo. According to available firmographic data, the company provides a range of financial solutions to both businesses and individuals in the Sri Lankan market. The firm operates as a for-profit private entity with a workforce of 1,001-5,000 employees and maintains a web presence at ubf.lk. The primary source block in the available data is a loading/verification page with no substantive product, technology, pricing, or operational disclosures, limiting the depth of description possible.

From the reported financial figures (which appear to be denominated in Sri Lankan Rupees given magnitude and context), UB Finance has shown a substantial nominal revenue trajectory from LKR 1.46T in 2023 to LKR 4.43T in 2026, accompanied by a recovery in net income from a LKR 348B loss to a LKR 341B profit over the same period. The company received disclosed institutional capital from Equator Capital Partners in October 2011. No specific products, customer segments, pricing models, distribution channels, partnerships, awards, certifications, management team details, or geographic expansion information are available in the input data, reflecting a significant information gap that constrains deeper analytical conclusions.

The business model is that of a traditional finance company: earning revenue through financial intermediation, lending products, or related services to a mixed customer base of corporate and retail clients in Sri Lanka. Given the firm's 65+ year operating history and incumbent scale, the company likely relies on established branch-based distribution, customer relationships built over decades, and licensed regulatory standing to compete. The available data does not specify any technology platform architecture, digital channels, fintech capabilities, or operational differentiation versus Sri Lankan peers.

Name

UB Finance

Website

https://ubf.lk

Company type

Private

Founded year

1961

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

UB Finance is a Sri Lanka-based financial services company founded in 1961 and headquartered in Colombo, providing financial solutions to businesses and individuals across the country with a workforce of 1,001-5,000 employees.

Ownership category

akta.pro rank

Product category

Consumer & Commercial Finance

NAICS

Finance and Insurance (52), Commercial Banking (52211)

SIC

State Commercial Banks (6022), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

akta.pro secondary industries

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Consumer finance services
• Commercial lending
• Financial solutions Sri Lanka
• Business financing
• Retail lending

Headquarters

HQ city

Colombo

HQ country

Sri Lanka

HQ region

Asia

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Core offering

UB Finance operates as a Sri Lankan finance company delivering a range of financial solutions for both businesses and individuals. Specific product-level details (e.g., loans, leases, deposits) are not evidenced in the available source material, which consists of a website loading page and aggregate firmographic data.

Differentiator

Problem solved

Functional benefit

Ideal customer profiles1 record

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves4 records

Expansion highlights3 records

Direct peers

• Central Finance PLC: Long-standing Sri Lankan Licensed Finance Company offering hire purchase, leasing, and personal/business loans. Comparable to UB Finance in longevity, product set, and domestic focus.
• People's Leasing & Finance PLC: Major Sri Lankan Licensed Finance Company providing leasing, hire purchase, and business/consumer loans. Closely comparable in customer segments and product breadth to UB Finance.
• Commercial Credit and Finance PLC: Established Sri Lankan Licensed Finance Company focused on SME lending, microfinance, and consumer credit. Operates in the same regulatory and competitive space as UB Finance.
• LOLC Finance PLC: One of Sri Lanka's largest non-bank Licensed Finance Companies, offering leasing, loans, and related credit products to businesses and individuals. Most direct comparable in scale, product mix, and regulatory category to UB Finance.
• Singer Finance (Sri Lanka) PLC: Sri Lankan Licensed Finance Company specializing in hire purchase and consumer credit. Operates in the same non-bank finance regulatory category and customer base as UB Finance.
• HNB Finance Limited: Sri Lankan Licensed Finance Company (subsidiary of Hatton National Bank) providing leasing, personal loans, and SME credit. Directly comparable non-bank finance peer to UB Finance.
• Senkadagala Finance PLC: Sri Lankan Licensed Finance Company with consumer and SME lending focus. Comparable in product mix and target segments to UB Finance.

Broad incumbents

• Commercial Bank of Ceylon PLC: One of Sri Lanka's largest private commercial banks, offering lending and deposit products across the same business and consumer segments UB Finance serves. A broader incumbent that competes with and dwarfs non-bank finance peers.
• Bank of Ceylon: Largest state-owned commercial bank in Sri Lanka, offering full-spectrum lending and deposit services. Sets the competitive ceiling for scale, brand, and product breadth versus UB Finance.
• DFCC Bank PLC: Sri Lankan development bank providing SME, project, and corporate finance. Overlaps with UB Finance's business-side lending and serves as a relevant scale and product benchmark.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/UBFinancePLC
• Facebookfacebook.com/ubf.lk
• LinkedInlinkedin.com/company/ub-finance-company-limited

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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 UB Finance