Accredo

What Accredo does

Accredo is a UK secured business finance provider operating as a trading style of General Asset Management Ltd (registered in England & Wales, company number 4015712). Founded in 2000 and headquartered in Haywards Heath, the company lends against UK property, accepting residential, buy-to-let, mixed-use, and commercial security in England and Wales, with loans ranging from £25,000 to £1,500,000 and terms from 3 months to 10 years. It operates exclusively through a contracted broker and IFA network, with no direct-to-borrower applications accepted; underwriting decisions are produced by an experienced in-house team, advertised as a sub-one-hour turnaround with funds released within 24 hours once conditions are satisfied.

The product set comprises short-term business loans (3–18 months), long-term business loans (5–10 years), and secured equipment leasing covering tangible and intangible assets including software and installation. All products require property security, support 1st through 4th charge positions, and offer flexible repayment structures (interest-only, seasonal, deferred, low-start, multi-drawdown). The company serves three target segments: new-start businesses without trading history, borrowers with difficult credit profiles (including adverse histories, CCJs, CVAs, and complex situations), and established companies seeking expansion, acquisition, or consolidation funding.

Revenue derives from interest on secured loans, a 1% acceptance fee on agreement go-live, an optional £125 annual administration fee, a 1% security release fee on completion, and equipment leasing income. Distribution is broker-only, supported by a digital broker portal featuring a Quick Check eligibility tool, Companies House autofill, commission and repayment calculators, draft-saving functionality, and live progress updates; marketing channels include LinkedIn, email campaigns, and digital/print content via the "Our Insights" blog. The company reports 11-50 employees and positions 90% of its borrowers as previously rejected by mainstream lenders.

Name

Accredo

Legal name

General Asset Management Ltd

Website

https://accredo.co.uk

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Accredo is a UK secured business lender operating via an approved broker network, providing property-secured loans of £25k–£1.5m to new-starts, adverse-credit borrowers, and established businesses through human-underwritten short-term, long-term, and equipment leasing products.

Ownership category

akta.pro rank

Headquarters

HQ city

Haywards Heath

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

Revenue model

1. Loan Interest: Interest earned on secured business loans ranging from £25,000 to £1,500,000 with terms from 3 months to 10 years. Fixed rate loans secured against UK property.
2. Acceptance Fee: 1% acceptance fee due when agreement goes live.
3. Annual Administration Fee: £125 annual administration fee may be applicable depending on loan term.
4. Security Release Fee: 1% security release fee due to remove the charge from property upon loan completion.
5. Equipment Leasing: Secured equipment leasing for asset types including second hand equipment, intangible assets such as software, building works and installation costs. VAT efficient with tax-deductible repayments.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Accredo is a UK secured business finance provider offering loans from £25,000 to £1,500,000 to new-start businesses, borrowers with difficult credit profiles, and established companies. The company lends exclusively through its broker/introducer network and does not accept direct applications from borrowers. It also provides secured equipment leasing as a complementary offering.

Product overview

Accredo is a secured business finance provider offering a portfolio of three core lending products: Short term business loans (3-18 months), Long term business loans (5-10 years), and Secured equipment leasing. All products provide secured business loans from £25,000 to £1,500,000, require UK property as security (residential, commercial, buy-to-let, or mixed-use), support 1st through 4th charges, and offer flexible repayment terms including fixed repayments, seasonal payments, deferred payments, and interest-only options. The company operates exclusively through approved broker introducers and positions itself as an alternative lender for new-starts, difficult credit profiles, and established businesses when traditional lenders decline applications.

Differentiator

Problem solved

Functional benefit

Products and services

• Short-term Business Loans

Quantifiable outcome

• Underwriting decisions typically within 1 working hour
• +4 more outcomes

Named customers26 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• ThinCats: UK-based platform lender providing secured and unsecured business loans to SMEs, often via introducer relationships. Comparable as an alternative finance provider serving borrowers overlooked by banks.

Broad incumbents

• Paragon Bank: UK specialist bank focused on buy-to-let, commercial and SME lending. Comparable as a broader UK specialist lender serving property-related and broker-originated deals.
• Aldermore Bank: UK challenger bank providing SME, asset finance and property-backed lending. Broader incumbent in the alternative UK lending space, directly competing for broker-submitted secured deals.
• Hampshire Trust Bank: UK specialist bank offering asset finance and specialist property-backed lending via broker relationships. Comparable as a broader specialist alternative to mainstream UK banks.
• Shawbrook Bank: UK specialist challenger bank serving SMEs, property professionals and brokers. A broader incumbent with overlapping secured lending capabilities — relevant as a benchmark for Accredo's potential scale-up trajectory.

Direct peers

• Hope Capital: UK specialist short-term property finance provider working primarily through brokers and packagers. Directly comparable in broker-led distribution of secured short-term lending for non-mainstream borrowers.
• West One Loans: UK specialist secured lender offering bridging, second-charge and development finance through a broker-only distribution model. Closely comparable to Accredo in product scope, broker-led sourcing, and appetite for complex borrower profiles.
• Equifinance: UK specialist secured lender focused on second-charge and short-term property-backed finance for brokers. Comparable to Accredo on product type, channel model and underwriting flexibility.
• Together Money: UK specialist secured lender serving self-employed, near-prime and adverse-credit borrowers via brokers. Comparable to Accredo in serving difficult-credit borrowers with property-secured loans.
• Pluto Finance: UK specialist finance provider offering bridging, development and second-charge loans through an introducer network. Comparable to Accredo in targeting complex cases brokers bring them.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/accredo

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Accredo