Thames Valley Asset Finance

What Thames Valley Asset Finance does

Thames Valley Asset Finance Limited, trading as Wise Business Finance, is an independent UK business finance broker authorized and regulated by the Financial Conduct Authority (FRN: 667804). The company operates from Reading, with a registered office at Wyvols Court, Swallowfield, and a trading address at Davidson House, The Forbury. It serves UK businesses — sole traders, partnerships, LLPs, and Limited Companies — across all sectors and all four UK nations, arranging finance products including equipment and asset finance, vehicle and fleet finance, invoice finance, card payment cash advance, secured and unsecured business loans, R&D tax credit loans, VAT and tax loans, and professional practice loans. The firm also handles specialized scenarios such as MBO, MBI, business turnaround, and insolvency situations.

The company does not lend directly; instead it acts as a credit intermediary, earning commission from lenders for introducing customers. Services are provided at no cost to the business customer. The commission structure varies by lender and can be a percentage of the amount borrowed or a flat fee. Revenue is therefore transaction-based and dependent on the volume and size of successfully brokered loan arrangements.

Wise Business Finance distributes its services through direct business engagement and via professional partner channels, including accountants, professional advisors, banks and funders, and equipment suppliers. Its go-to-market is sales-led, combining website content, phone, email, LinkedIn, and downloadable brochures for top-of-funnel activity, with partner referrals serving as a bottom-of-funnel channel. The firm is a member of the National Association of Commercial Finance Brokers (NACFB) and is registered with the Information Commissioner's Office (Z9591247). No proprietary technology, no AI capabilities, and no disclosed financial metrics are available in the source data.

Name

Thames Valley Asset Finance

Legal name

Thames Valley Asset Finance Limited

Website

https://tvaf.co.uk

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

Thames Valley Asset Finance (trading as Wise Business Finance) is an independent FCA-authorized UK credit broker that arranges business finance — including equipment, vehicle, invoice, and loan products — for SMBs across all UK sectors, earning commission from lenders for customer introductions.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

akta.pro secondary industry

Merchant Cash Advance & Payment-linked Lending (CRAFALAK)

Keywords

• Business finance brokerage
• Equipment asset finance
• Invoice finance
• Commercial vehicle finance
• Secured business loans

Headquarters

HQ city

Newbury

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Broker Commission Income: As a credit broker, Wise Business Finance earns commissions from lenders for introducing customers. The commission amount varies between lenders and can be either a percentage of the amount borrowed or a flat fee. Services are provided at no cost to the business customer.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Thames Valley Asset Finance, trading as Wise Business Finance, is an independent UK commercial finance broker that arranges equipment and asset finance, vehicle and fleet finance, invoice finance, card payment cash advances, R&D tax credit loans, VAT and tax loans, and secured and unsecured business loans. The company connects borrowers with a network of specialist lenders and earns commission from lenders for successful introductions, with no cost to the business customer.

Product overview

Wise Business Finance is a trading style of Thames Valley Asset Finance Limited, operating as a credit broker (not a lender) that offers an integrated portfolio of business finance solutions. The core offering comprises Equipment & Asset Finance, Vehicle & Fleet Finance, Cashflow Finance (including Invoice Finance and Card Payment Cash Advance), and Business & Professions Loans. These products are complemented by specialized financing options such as R&D Tax Credit Loans, VAT & Tax Loans, and various loan structures including Hire Purchase, Finance Lease, Lease Purchase Loan, Cash Release, and Asset Refinance. The company acts as an intermediary, connecting businesses with a broad network of specialist lenders to find tailored finance solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment & Asset Finance Finance solutions for a wide range of plant, machinery, equipment, vehicles, and other business critical assets, from agricultural equipment to waste management machinery, arranged through a network of specialist lenders for UK businesses.
• Vehicle & Fleet Finance Finance for cars, vans, trucks, lorries, helicopters, and specialist vehicles, from single vehicles to large fleets, arranged through specialist lenders for UK businesses.
• Refinance Your Plant & Machinery Refinancing solution that frees up cash from assets the business owns or has existing finance arrangements on, injecting liquidity for other business needs.
• Card Payment Cash Advance Also known as Merchant Cash Advance, a flexible and fast alternative to bank loans that immediately injects cash into businesses based on card payment volumes.
• Invoice Finance Allows businesses to access the value of outstanding customer invoices before they are due for payment, improving cashflow.
• R&D Tax Credit Loan Loan product that unlocks up to 80% of R&D tax credit or grant up to 6 months in advance of financial year end for UK businesses.
• Secured & Unsecured Business Loans Business loans for expansion, hiring staff, acquiring competitors, or meeting large one-off bills, without harming cashflow, arranged medium to long term.
• Professions Loans Finance solutions for independent professional practices to get started or expand their existing practices.
• VAT & Tax Loans Allows businesses to spread the cost of VAT and Corporation Tax bills by paying in monthly instalments.
• Hire Purchase Finance arrangement where businesses hire equipment with the option to purchase at the end of the term.
• Finance Lease Long-term financing arrangement for business equipment with lease payments over a fixed period.
• Lease Purchase Loan Combined leasing and purchase financing solution for business assets.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• AccountantscoreChannel Partner/ Reseller/ DistributorWorking with accountants to enable their clients to access a wide range of business finance products and services. Referrer partner.
• Professional AdvisorscoreChannel Partner/ Reseller/ DistributorDiscretion, reliability and professionalism assured for professional advisors seeking business finance partner for their clients.
• Banks & FundersminorChannel Partner/ Reseller/ DistributorBridging the gap between financial institutions and customers when an alternative business finance solution is required.
• Equipment SuppliersminorChannel Partner/ Reseller/ DistributorProviding point of sale business finance solutions that can help equipment suppliers' businesses convert more leads into sales.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Rangewell: UK business finance broker/matchmaker connecting SMEs with lenders across asset finance, loans, invoice finance and more. Comparable to Wise Business Finance as a multi-product SME finance intermediary.
• Praetura Commercial Finance: UK commercial finance broker focused on SME asset, vehicle and working capital finance arranged through a panel of lenders. Directly comparable to Wise Business Finance as a like-for-like brokerage serving UK SMEs.
• SME Loans: UK business finance broker arranging unsecured and secured business loans, asset finance and cashflow products for SMEs via a lender panel. Direct broker competitor with overlapping product set.
• Nucleus Commercial Finance: UK commercial finance broker offering asset finance, invoice finance, business loans and cashflow solutions to SMEs via a multi-lender panel. Closely comparable to Wise Business Finance in business model (commission-based broker) and product mix.
• Hilton-Baird Financial Solutions: UK independent commercial finance broker arranging asset finance, invoice finance and business loans for SMEs through a lender panel. Highly comparable business model and customer segment to Wise Business Finance.

Broad incumbents

• 1pm plc: UK-listed asset and vehicle finance provider serving SMEs and consumers. Comparable to Wise Business Finance on the asset/vehicle finance product dimension, though 1pm is a direct lender rather than a pure broker.
• Aldermore: UK challenger bank with SME asset finance, invoice finance and business lending franchises. Comparable to Wise Business Finance on product coverage but operates as a direct lender rather than a broker.
• Funding Circle: UK-listed SME direct lending platform offering business loans. Adjacent to Wise Business Finance's SME lending business, though Funding Circle originates on its own balance sheet rather than intermediating via a broker panel.

Others

• NACFB: The National Association of Commercial Finance Brokers, of which Wise Business Finance is a member. Relevant as the industry trade body governing broker standards, accreditation and code of practice in the UK commercial finance broker market.

Emerging players

• MarketFinance: UK fintech providing invoice finance, business loans and business banking to SMEs. Comparable to Wise Business Finance on invoice finance and SME working capital products, but operates as a direct/platform lender rather than a broker.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/thames-valley-asset-finance-limited
• Xx.com/tvafltd
• Facebookfacebook.com/profile.php

Compliance3 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 Thames Valley Asset Finance