Wiseman Lee

What Wiseman Lee does

Wiseman Finance Limited is a UK-based credit broker, not a lender, founded in 2017 and headquartered in Chipping Norton, Oxfordshire. The company connects UK businesses with a panel of 50+ lenders across five core product categories: Asset Finance (hire purchase, finance lease, operating lease, sale & leaseback for vehicles, machinery and equipment), Invoice Finance (factoring, discounting, selective invoice finance for working capital), Business Loans (unsecured up to £500k and secured up to £10M), Commercial Finance (commercial mortgages up to 75% LTV, bridging finance, development finance), and Refinance (asset refinance, loan refinance, debt consolidation). The company is authorised and regulated by the Financial Conduct Authority under registration number 798352.

The firm operates a sales-led go-to-market targeting UK SMBs across eight vertical specialisations: renewable energy, agriculture and farming, construction, manufacturing, print equipment, logistics, commercial vehicles, and medical equipment. Distribution combines a self-serve website application (5-minute process, no credit check at enquiry) with phone-based inside-sales advisory through dedicated account managers. Marketing is anchored on a content blog and organic social (LinkedIn, Facebook, Instagram), supplemented by referral and broker-partner channels. The company has multiple sub-brands including Finance4Forestry, Recovery Truck Finance, Towtruck Finance, Truck2Finance, Plant2Finance, and Business Loans Company to capture niche vertical demand.

Revenue is generated exclusively through commission from lenders on completed deals; no upfront fees or customer charges are disclosed. The company claims to have funded 500+ UK businesses since inception and 35+ years of combined team experience, and was a finalist at the 2023 Business Moneyfacts Awards. Ownership is private and independently held, with no disclosed venture capital, private equity backing, or M&A activity.

Name

Wiseman Lee

Legal name

Wiseman Finance Limited

Website

https://wiseman.co.uk

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Wiseman Finance Limited is a UK FCA-regulated credit broker founded in 2017, connecting SMBs with a panel of 50+ lenders across asset finance, invoice finance, business loans, commercial finance, and refinance, with vertical specialisation in agriculture, construction, logistics, manufacturing, and renewable energy.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

akta.pro secondary industries

Specialty Finance / Structured Credit (FSANADAE), Real Estate Transaction Advisory & Due Diligence (FSAEAJAJ)

Keywords

• Commercial finance brokerage
• Asset finance solutions
• Invoice financing services
• Business loan broking
• UK SME lending

Headquarters

HQ city

Wanstead

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, Others

Revenue model

1. Broker Commission: Wiseman Finance earns commission from credit providers (lenders) when a finance deal completes. They are a credit broker and not a lender. Commission is received for business written with credit providers from their panel of 50+ lenders. No upfront fees are charged to customers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Wiseman Finance Limited is a UK FCA-regulated commercial finance broker (not a lender) that connects UK businesses with a panel of 50+ lenders through a single application. It offers five core product lines: Asset Finance (hire purchase, finance lease, operating lease, sale and leaseback), Invoice Finance (factoring, discounting, selective), Business Loans (unsecured up to £500k, secured up to £10M), Commercial Finance (commercial mortgages, bridging, development), and Refinance (asset refinance, loan refinance, debt consolidation), supported by dedicated account managers providing human-led advisory services.

Product overview

Wiseman Finance is a finance broker (not a lender) that connects UK businesses with a panel of 50+ lenders. The company operates as a service business offering five core finance products: Asset Finance (for vehicles, machinery, and equipment via hire purchase, finance lease, operating lease, and sale & leaseback), Invoice Finance (for unlocking cash from unpaid invoices via factoring, discounting, or selective finance), Business Loans (unsecured up to £500k and secured up to £10M), Commercial Finance (commercial mortgages, bridging finance, and development finance for property), and Refinance (asset refinance, loan refinance, and debt consolidation). The products are supported by sector specialists serving renewable energy, agriculture, construction, manufacturing, print, logistics, commercial vehicles, and medical equipment industries. The company is FCA regulated (registration 798352) and acts as an intermediary receiving commission from lenders when deals complete.

Differentiator

Problem solved

Functional benefit

Brands

• Finance4Forestry: Specialist finance service for forestry businesses.
• Business Loans Company
• Recovery Truck Finance
• Towtruck Finance
• Truck2Finance
• Plant2Finance

Products and services

• Asset Finance Financing solution that allows UK businesses to spread the cost of vehicles, machinery, and equipment over time rather than paying upfront, preserving working capital while acquiring needed assets. Delivered via hire purchase, finance lease, operating lease, and sale and leaseback structures.
• Invoice Finance Cashflow solution that unlocks cash from unpaid invoices immediately instead of waiting 30-90 days for customer payment, helping UK businesses maintain healthy cashflow. Delivered via invoice factoring (with managed credit control), invoice discounting (client retains control), and selective single-invoice finance.
• Business Loans Flexible funding solutions for UK businesses ranging from unsecured loans up to £500k (no asset security required) to secured loans up to £10M (using property or assets), designed to support investment in growth, working capital, or acquisitions.
• Commercial Finance Property financing solutions for UK businesses including commercial mortgages (LTV up to 75%, 5-25 year terms), bridging finance for short-term needs (completion possible in days), and development finance for ground-up builds or major property conversions.
• Refinance Restructuring solution that allows UK businesses to replace existing borrowing with facilities better suited to current needs, release equity from owned assets, consolidate multiple debts into one payment, or improve cashflow.

Quantifiable outcome

• Decision within 24 hours
• +1 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• FCA (Financial Conduct Authority)coreOthersWiseman Finance Limited is authorised and regulated by the FCA under registration number 798352. This regulatory status provides confidence and peace of mind to customers and is a core requirement for operating as a credit broker in the UK.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Bibby Financial Services: Established UK-based invoice finance, asset finance, and business loans provider to SMEs. Directly comparable in product mix, particularly invoice finance and asset finance brokering/lending.
• Funding Circle: UK-listed SME lending platform providing business loans, asset finance, and invoice finance directly to small businesses. Most directly comparable as a large-scale UK SME finance intermediary serving similar customers with overlapping product lines.
• ThinCats: UK peer-to-peer and direct lending platform providing business loans to SMEs, often those underserved by banks. Comparable in serving the non-bankable SME segment with structured finance products.
• Hitachi Capital Business Finance (now Mitsubishi HC Capital): Large UK asset finance and business lending provider serving SMEs with hire purchase, leasing, and loans. Comparable in asset finance focus and SME customer segment.
• Capify: UK and US SME finance broker/lender providing working capital and business loans, with a focus on serving businesses declined by traditional banks. Comparable customer profile and product overlap.
• Iwoca: UK-based fintech lender offering flexible working capital and business loans to SMEs, including those with limited trading history or complex situations. Highly comparable in serving the underserved SME borrower segment with technology-driven speed.
• Capital on Tap (formerly MarketFinance): UK SME finance provider offering business loans, invoice finance, and working capital products to small businesses. Comparable in product breadth across invoice finance and business lending for UK SMEs.
• Henry Howard Finance: UK asset finance broker and funder for SMEs, specialising in equipment finance and vehicle finance. Comparable niche focus on asset finance brokering for smaller UK businesses.

Emerging players

• ArchOver: UK peer-to-peer business lending platform connecting investors directly with SMEs. Comparable in serving the alternative-finance segment of UK SME borrowing with technology-enabled matching.

Broad incumbents

• Aldermore Bank: UK challenger bank with strong SME and asset finance franchises, one of the specialist lenders potentially on Wiseman's panel. Comparable in product categories (asset finance, commercial mortgages, business loans) but operates at much larger scale as a balance-sheet lender.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/wisemanfinanceuk
• LinkedInlinkedin.com/company/wiseman-finance-limited
• Instagraminstagram.com/wiseman.finance
• Xx.com/WISEMAN_LLP

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Wiseman Lee