WSC Finance

What WSC Finance does

WSC Finance Ltd is a UK-based credit broker (not a lender) that connects businesses seeking finance with a panel of over 70 lenders. Founded in 2023 and headquartered in East Haddon, Northamptonshire, the company is authorised and regulated by the Financial Conduct Authority (FRN 986899) to provide Credit Broking, Debt Adjusting and Debt Counselling. The company serves UK SMEs across multiple sectors including haulage, renewables, motorsport, construction, agriculture, and professional practices, offering products ranging from Hire Purchase, Leasing, Invoice Finance, and Asset-Based Lending to Unsecured Loans (£25k-£10m), tax funding solutions (Corporation Tax, VAT, Self-Assessment), and government-backed schemes (Growth Guarantee Scheme, Recovery Loan Scheme).

WSC Finance operates a sales-led go-to-market model, acquiring customers through direct enquiries (phone, website, in-person), an introducer partner network of accountants, equipment vendors, and brokers, and brand-building through motorsport sponsorship (EXCELR8 BTCC partnership). The company explicitly uses manual underwriting with real individuals rather than automated algorithms, positioning human judgment as a key differentiator. The firm claims credit decisions can be approved within 24-48 hours for introducer-referred customers. With 1-10 employees and three UK offices (Northampton, Belfast, Resolven), the company operates a lean, relationship-driven brokerage model.

The company earns revenue primarily through commissions from lenders when customers are introduced, with commission rates varying by product, lender, and loan amount. WSC Finance may also charge customer fees, pre-agreed in writing. The business is privately held with no disclosed institutional investment, VC, or PE backing. The team is led by Sam Phipps (Managing Director) and Mark Fenton (Head of Business Development), with over 25 years of combined finance industry experience.

Name

WSC Finance

Legal name

WSC Finance Ltd

Website

https://wscfinance.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

WSC Finance is a UK-based credit broker connecting SMEs with over 70 lenders for business finance, asset, and tax funding solutions. It operates from three offices in Northampton, Belfast, and Wales.

Ownership category

akta.pro rank

Product category

Commercial Lending Broking

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222), Sales Financing (52222)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141)

akta.pro primary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

akta.pro secondary industries

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), Trade Finance & Supply Chain Finance Platforms (FSAGAJAL)

Keywords

• Credit broking
• Business finance
• Asset finance
• Commercial lending
• Tax funding

Headquarters

HQ city

East Haddon

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from Lenders: WSC Finance operates as a credit broker earning commission payments or other benefits from the lenders they introduce customers to. The commission varies based on the product, lender, or amount borrowed. This is disclosed in their Initial Disclosure Document.
2. Direct Customer Fees: WSC Finance may also charge customers a fee directly for their services, which is pre-agreed in writing prior to activation of any credit agreement. This fee is disclosed to the lender(s).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

WSC Finance is a UK-based credit broker (not a lender) that connects businesses seeking finance with a panel of over 70 lenders. The company operates on a non-advice basis, using manual underwriting rather than automated algorithms, and offers a comprehensive range of funding solutions including hire purchase, leasing, asset refinance, invoice finance, unsecured loans, vehicle finance, asset-based lending, bridging and development finance, commercial mortgages, short-term business loans, machinery finance, and tax funding loans.

Product overview

WSC Finance is a credit broker operating on a non-advice basis, not a lender. The company offers a comprehensive portfolio of finance solutions through a network of over 70 lenders. The core product lineup includes Hire Purchase, Leasing (1-7 year terms), Asset & Loan Refinance, Invoice Finance, Unsecured Loans (£25k-£10m), Vehicle Finance, Asset Based Lending, Bridging & Development Finance, and Commercial Mortgages. Short-term financing options include Short Term Business Loans (£25k-£1m, 3 months-6 years), Machinery Finance, Land & Property Finance, Corporation Tax Loans, VAT Loans, and Self-Assessment Income Tax Loans. Government-backed offerings include Growth Guarantee Scheme (GGS) Loans and Recovery Loan Scheme (RLS). The company also provides Credit Broking, Debt Adjusting, and Debt Counselling services, serving sectors including haulage, renewables, motorsport, waste & recycling, manufacturing, construction, agriculture, and professional practices.

Differentiator

Problem solved

Functional benefit

Products and services

• Hire Purchase
• Leasing
• Asset & Loan Refinance
• Invoice Finance
• Unsecured Loans
• Vehicle Finance
• Asset Based Lending
• Bridging & Development Finance
• Commercial Mortgages
• Short Term Business Loans
• Machinery Finance
• Land & Property Finance
• Corporation Tax Loans
• VAT Loans
• Self-Assessment Income Tax Loans
• Growth Guarantee Scheme (GGS) Loans
• Recovery Loan Scheme (RLS)

Quantifiable outcome

• Credit approved within as little as 24 hours for introduced customers
• +2 more outcomes

Named customers3 records

Segments10 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core and minor.

• EXCELR8 Racing TeamcoreGTM or Marketing Partner · 20 March 2024WSC Finance has a partnership with EXCELR8 for sponsorship in the British Touring Car Championship (BTCC). WSC branding appears on all four Hyundai i30 Fastback Ns driven by the team. WSC also leverages EXCELR8's race weekend hospitality for B2B business opportunities with partners across various sectors. The partnership began in 2023 and was renewed for the 2024 season.
• Classic Motors For SaleminorGTM or Marketing Partner · 17 October 2023WSC Finance partnered with Classic Motors For Sale to provide financing solutions for luxury and high-value classic vehicles. This partnership enables WSC to reach classic car enthusiasts and collectors who use the Classic Motors For Sale marketplace.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Funding Circle: UK's largest SME lending platform, operating as both a direct lender and connecting SMEs to capital. While now a direct platform rather than pure broker, it serves the same UK SME customer base and is a lender on WSC's own panel.
• Allica Bank: UK challenger bank focused on SME lending, asset finance, and commercial mortgages. Appears on WSC's lender panel and competes for the same customer base with direct products.
• HTB (Hampshire Trust Bank): UK specialist bank offering asset finance, invoice finance, and property finance. Listed on WSC's lender panel and competes for the same SME customers with direct-to-borrower offerings.
• Aldermore: UK challenger bank providing asset finance, invoice finance, and business loans to SMEs. Operates on WSC's lender panel and is a direct competitor for SME customers seeking finance.

Direct peers

• Capify: UK and US-based alternative finance provider offering working capital loans and merchant cash advance to SMEs. Comparable broker/lender hybrid model targeting similar UK SME segments.
• Alternative Business Funding: UK-based credit broker for SMEs offering access to multiple lenders across business loans, asset finance, and invoice finance. Comparable in product mix, broker model, and target customer base.
• Praetura Commercial Finance: UK-based alternative finance provider offering asset finance, invoice finance, and loans to SMEs. Competes directly with WSC in the broker market and operates on WSC's lender panel.
• Simply Asset Finance: UK asset finance broker/lender connecting businesses with asset finance providers. Comparable business model focused on equipment and vehicle finance, and a direct competitor in WSC's core asset finance vertical.
• Haydock Finance: UK asset finance and business lending provider. A lender on WSC's panel and a direct competitor offering similar vehicle, equipment, and business finance products to UK SMEs.

Emerging players

• MarketFinance: UK-based invoice finance and business lending platform. Comparable in targeting UK SMEs with invoice discounting and working capital products, though more technology-led than WSC.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/wscfinance
• LinkedInlinkedin.com/company/wsc-finance-ltd
• Instagraminstagram.com/wscfinance
• Xx.com/wscfinance_

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 WSC Finance