LOANS WAREHOUSE LIMITED

What LOANS WAREHOUSE LIMITED does

Loans Warehouse Limited is a UK-based credit broker, not a lender, that connects consumers and small businesses with a panel of 55+ UK lenders across seven loan categories: secured loans (£5,000-£2,500,000), personal loans (£1,000-£50,000), guarantor loans (£1,000-£10,000), short-term loans (£100-£10,000), bridging loans (£25,000-£25,000,000), business loans (£5,000-£1,000,000), and a specialized school fee loan product. Founded in 2006 and headquartered in Watford, Hertfordshire, the company operates under FCA authorization (registration 713110) and is registered with the ICO for data protection compliance. The underlying technology consists of a loan brokerage platform with multi-lender comparison capabilities, soft credit search eligibility checkers, and online calculators, integrated with three major UK credit reference agencies (TransUnion, Equifax, Experian) plus Credit Kudos and Monevo Limited for credit matching and panel distribution.

The business model is commission-based: Loans Warehouse earns transaction fees from lenders on completed loans and may charge broker fees (e.g., £3,995 plus lender fee on secured loans) depending on the product and circumstances. Go-to-market combines direct-to-consumer acquisition through the website and phone (01923 678 870) with a B2B2C intermediary channel featuring dedicated Broker Support Desks for second charges and bridging finance (01923 660205, 01923 660229). The company serves seven distinct customer segments including homeowners seeking equity release, credit-challenged individuals requiring guarantors, property investors needing bridging finance, UK SMEs, and parents financing private education.

Founded by Matt Tristram, Loans Warehouse has accumulated over 30 industry awards in the past five years including Moneyfacts Secured Loan Broker of the Year and consecutive Personal Finance Awards (2016-2019). The company remains privately held with no disclosed funding rounds, no parent company, and no M&A activity. Operations are UK-domestic only with an explicit EEA data-sharing restriction, indicating a focused rather than expansion-oriented strategy.

Name

LOANS WAREHOUSE LIMITED

Legal name

Loans Warehouse Ltd

Website

https://www.loanswarehouse.co.uk/

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Loans Warehouse Limited is a UK FCA-regulated credit broker connecting consumers and businesses with 55+ UK lenders across secured, personal, guarantor, short-term, bridging, and business loans from its Watford headquarters, serving both direct customers and intermediary brokers.

Ownership category

akta.pro rank

Product category

Loan Brokerage / Credit Broking

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Loan brokerage services
• Credit broking
• Secured loans
• Bridging finance
• Consumer credit intermediation

Headquarters

HQ city

Watford

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from lenders: Loans Warehouse earns commission from lenders when a loan is completed. This is a standard broker compensation model where the lender pays the broker a referral or completion fee.
2. Broker fees: The company may charge broker fees depending on the financial product and circumstances. Example shown: broker fee of £3,995 plus lender fee of £995 on a secured loan.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels3 records

Core offering

Loans Warehouse Limited is a UK-based FCA-authorised credit broker (not a lender) that intermediates loan applications between borrowers and a panel of 55+ UK lenders. It offers a comparison and matching service across secured loans, personal loans, guarantor loans, short-term loans, bridging loans, business loans, and school fee loans, with soft credit searches and dedicated broker support desks for introducers. Revenue is primarily generated through commissions paid by lenders and broker fees on selected products.

Product overview

Loans Warehouse is a UK-based loan brokering platform that connects borrowers with lenders across multiple loan categories. The platform operates as a comparison and application intermediary rather than a direct lender, offering secured loans (also called second charge mortgages or homeowner loans), unsecured personal loans, guarantor loans, short-term loans, bridging finance, business loans, and specialized school fee loans. The core offering consists of a loan matching service where customers enter their requirements through online forms, the platform assesses eligibility through soft credit searches, and applications are submitted to panel lenders. Supporting tools include eligibility calculators for secured and personal loans. The company does not underwrite loans directly but acts as an intermediary registered with the Financial Conduct Authority.

Differentiator

Problem solved

Functional benefit

Products and services

• Secured Loans Secured loans (also known as homeowner loans or second charge mortgages) use property equity as collateral. Available to homeowners with existing mortgages from £5,000 to £2,500,000 with repayment terms up to 25 years; representative example £49,000 over 15 years at 9.62% variable, total payable £102,184.20. Broker fee typically applies.
• Personal Loans Unsecured personal loans ranging from £1,000 to £50,000 for purposes including home improvements, car purchases, and debt consolidation. No broker fee to customer; Loans Warehouse is paid commission by the lender.
• Guarantor Loans Unsecured loans requiring a guarantor with good credit to co-sign, designed for individuals with poor or limited credit history. Loan amounts from £1,000 to £10,000.
• Short Term Loans Short-term borrowing from £100 to £10,000 with repayment terms from 3 to 24 months, designed for urgent, smaller financial needs. Representative 97% APR; rates from 45.3% APR to 1575% APR.
• Bridging Loans Short-term secured finance for property purchases or developments, ranging from £25,000 to £25,000,000 with terms from 1 to 24 months. Monthly interest rates starting from 0.85%; set-up fees typically around 2% of loan value. Bridging finance is unregulated.
• Business Loans Commercial loans for SMEs covering expansion, equipment purchase, working capital, and debt refinancing. Amounts from £5,000 to £1,000,000 with flexible terms from 6 months to 10 years; no early repayment fees.
• School Fee Loans Flexible secured loan specifically for school fee payments with credit limits from £25,000 to £1,000,000, a 5-year flexible drawdown period, and a standard term loan up to 30 years total. Example interest rate 3.95%; no early repayment fees.

Quantifiable outcome

• Soft credit searches that don't affect credit score during eligibility checking
• +1 more outcomes

Named customers2 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Partnerships

One partnership is on record.

• Monevo LimitedcoreTechnology or IntegrationMonevo Limited is a regulated credit broker partner that receives customer personal data and shares it with members of its credit provider panel to find suitable loans. Monevo may also share personal data with TransUnion and other credit bureaus for credit matching purposes.

Scale indicators3 records

Recent moves1 record

Expansion highlights4 records

Broad incumbents

• Compare the Market: UK price comparison aggregator with a loans category. Competes with Loans Warehouse for organic search-driven loan comparison traffic, though at significantly larger scale.
• Moneybarn: UK consumer credit provider (part of Secure Trust Bank) offering vehicle finance and personal loans. While operating more as a direct lender, it competes in the same non-prime credit customer segments as Loans Warehouse.

Direct peers

• Fluent Money: UK secured loan and bridging finance specialist broker with similar second charge mortgage focus. Comparable on product specialisation and direct-to-consumer channel.
• Evolution Money: UK secured loan specialist broker and one of the lenders on Loans Warehouse's panel. Comparable in second charge mortgage and homeowner loan focus.
• Ocean Finance: UK-based credit broker offering secured loans, personal loans, and guarantor loans through a panel of lenders. Closely comparable to Loans Warehouse in product mix, distribution model (DTC + introducer), and target customer segments.
• Norton Finance: UK credit broker specialising in secured loans, bridging finance, and second charge mortgages. Directly comparable to Loans Warehouse's core product offering and broker/introducer GTM motion.
• Central Trust: UK secured loan and second charge mortgage broker. Comparable target market (homeowners with equity) and product offering focused on homeowner lending.
• Astley Bridge Capital: UK specialist finance broker offering bridging loans, development finance, and secured loans through a panel of lenders. Directly comparable in bridging and property-backed loan products.

Emerging players

• Lendinvest: UK specialist property finance platform offering bridging, development, and buy-to-let mortgages. A lender on Loans Warehouse's panel, but also a potential disintermediation threat via direct digital origination.
• Monevo Limited: Technology-driven credit broker and Loans Warehouse's named technology partner. Operates a lender panel matching platform with similar intermediation model but with stronger API/integration orientation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/LoansWarehouse

Compliance2 records

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 LOANS WAREHOUSE LIMITED