UB Finance
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.
- Company typePrivate
- Founded1961
- HeadquartersColombo, Sri Lanka
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
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.
UB Finance firmographics
Firmographics- 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
UB Finance industry classification
Industry- 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
Where UB Finance is headquartered
LocationHeadquarters
- HQ city
- Colombo
- HQ country
- Sri Lanka
- HQ region
- Asia
Markets served
UB Finance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
UB Finance product offering
Product offeringCore 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
Companies that use UB Finance
Customer profileIdeal customer profiles1 record
UB Finance technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
UB Finance partnerships and signals
Strategic signalRecent moves4 records
Expansion highlights3 records
UB Finance competitors and assessment
Company assessmentDirect 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
UB Finance social profiles
Digital presenceUB Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
UB Finance leadership team
Management profileNumber of profiles
UB Finance funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UB Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about UB Finance
What does UB Finance do?
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.
When was UB Finance founded?
UB Finance was founded in 1961. It employs 1,001 to 5,000 people.
Where is UB Finance based?
UB Finance is headquartered in Colombo, Sri Lanka, in the Asia region.
Who are UB Finance's main competitors?
Direct peers on record are Central Finance PLC, People's Leasing & Finance PLC, Commercial Credit and Finance PLC, LOLC Finance PLC, Singer Finance (Sri Lanka) PLC, HNB Finance Limited and Senkadagala Finance PLC. Broad incumbents are Commercial Bank of Ceylon PLC, Bank of Ceylon and DFCC Bank PLC.
Does UB Finance have an API?
No public API is recorded for UB Finance.
What industry is UB Finance in?
UB Finance's product category is Consumer & Commercial Finance. Its primary akta.pro industry code is FSABABAF, SME Trade Finance & Working Capital (LCs, Guarantees, Receivables), with a secondary code of FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 52 and its SIC code is 6022.