Phoenix Financial Consultants

What Phoenix Financial Consultants does

Phoenix Financial Consultants Limited is a privately held, FCA-authorised UK credit broker (Financial Services Register no. 539195; Company no. 07436334) founded in 2010 and headquartered in Pinner with operations in Kings Langley, Hertfordshire. The company operates a two-sided platform connecting UK consumers seeking credit and insurance products with a panel of lenders representing the whole of the market, while simultaneously onboarding home improvement traders as Introducer Appointed Representatives (IARs) who offer point-of-sale finance to their own customers.

The product portfolio spans mortgages, unsecured personal loans (£1,000–£100,000), secured loans, bridging finance (3–24 months), home insurance, life insurance, business lending (via partnership with Primary Asset Finance), and trader insurance (via Oasis Commercial Lines). The underlying technology stack consists of a bespoke web-based quoting and job management system for IARs, integration with Monevo for consumer loan routing and soft credit searches, and credit reference integrations with TransUnion, Experian, and Equifax. An automated vulnerable customer assessment system supports FCA Consumer Duty compliance.

Revenue is generated primarily through lender commissions on successfully introduced loan products, supplemented by recurring IAR subscription fees (monthly or yearly) from traders and TraderDirectory.co.uk directory listings. The company serves UK consumers (primary), home improvement traders across 30+ trade categories (primary), and a smaller business lending segment. Geographic reach is UK-only, with non-UK applications declined for fraud prevention reasons. The company is independently owned with no disclosed venture capital or private equity backing, no funding rounds, no M&A activity, and a stable 11–50 employee headcount.

Name

Phoenix Financial Consultants

Legal name

Phoenix Financial Consultants Limited

Website

https://phoenix-fc.co.uk

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Phoenix Financial Consultants is a UK FCA-authorised credit broker connecting consumers and home improvement traders with a panel of lenders for mortgages, loans, insurance, and business finance, generating revenue via lender commissions and IAR subscription fees.

Ownership category

akta.pro rank

Product category

Consumer Finance & Credit Broking

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

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

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

Keywords

• Credit broking services
• Consumer lending
• Mortgage brokerage
• Point-of-sale finance
• Insurance brokerage

Headquarters

HQ city

Kings Langley

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Lender Commission: Phoenix receives commission and fees from lenders when customers purchase loan products through the platform. This is the primary revenue stream.
2. IAR Subscription Fees: Traders pay subscription fees (monthly or yearly payment options) to become Introducer Appointed Representatives and access the quoting and job management system.
3. Trader Directory Listing: Traders receive a listing on www.traderdirectory.co.uk as part of the IAR programme, providing additional visibility and lead generation.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Phoenix Financial Consultants is an FCA-authorised credit broker that connects UK consumers and businesses with a panel of lenders for mortgages, personal loans, secured loans, bridging finance, and insurance products. The company also runs an Introducer Appointed Representative (IAR) programme through which home improvement traders subscribe to access a bespoke quoting system that lets them offer point-of-sale finance to their customers.

Product overview

Phoenix Financial Consultants operates as an FCA-authorized credit broker offering a unified financial services platform. The core offering centers on credit broking and point-of-sale finance, connecting customers with a panel of lenders for various loan products. The product portfolio includes Mortgages, Personal Loans (unsecured, £1,000-£100,000), Secured Loans, Bridging Finance (3-24 months), Home Insurance, Life Insurance, Business Lending (via Primary Asset Finance), and Trader Insurance. Central to the platform is the IAR Quoting and Job Management System, a bespoke online tool enabling registered traders to generate personalised finance quotes for customers and manage the application process. The company also maintains a Trader Directory listing approved contractors. Products are designed for both consumer and business customers across the UK market.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgages Mortgage solutions arranged from a panel of lenders representing the whole of the market, covering first-time buyer, buy-to-let, let-to-buy, right to buy, self-build, remortgaging, and equity release products for UK consumers.
• Personal Loans Unsecured personal loans from £1,000 to £100,000 arranged through a panel of lenders via the Monevo platform; representative APR 9.9%, with decisions typically returned in minutes.
• Secured Loans Loans secured against residential property as collateral, offering access to larger amounts than unsecured loans with fixed or variable rates and extended repayment terms, arranged through the lender panel for UK consumers.
• Bridging Finance Short-term property-secured borrowing typically for 3 to 24 months, used for auction purchases, uninhabitable property purchases, restoration work, and repossession prevention.
• Home Insurance Buildings and contents cover arranged from a wide panel of insurers including top UK providers and niche insurers, available for properties ranging from flats to mansions.
• Life Insurance Life assurance policies providing financial protection for policyholders and dependents in the event of death within the policy term, usable to clear debts, mortgages, or funeral expenses.
• Credit Broking and Point-of-Sale Finance Credit brokerage enabling traders and businesses to offer finance payment options to their customers, covering regulated, appointed representative, IAR, and non-regulated (interest-free credit) structures.
• Business Lending Commercial finance solutions arranged through Primary Asset Finance, including business loans (3-8 years), vendor programmes (up to 5 years), asset finance, invoice finance, cashflow loans (3 months to 5 years), and structured finance.
• Trader Insurance Public liability and related insurance for tradespeople, including cover levels from £1M to £5M, arranged through Oasis Commercial Lines.
• IAR Quoting and Job Management System Bespoke online platform enabling Introducer Appointed Representatives to generate personalised finance quotes for customers, manage applications, and receive trader payouts within 72 hours of job completion.
• Trader Directory Public directory of Phoenix-approved IAR traders offering finance options, searchable by trade category and used for lead generation.
• Home Improvement Finance Point-of-sale finance options bundled with quotes from registered home improvement installers, including loan calculators and monthly repayment displays for end consumers.

Quantifiable outcome

• Application turnaround for traders: 5 working days
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Primary Asset FinancecoreChannel Partner/ Reseller/ DistributorPartnership for business lending products. Primary Asset Finance works with businesses to understand their needs and build tailored debt funding solutions including business loans, asset finance, vendor programmes, invoice finance, and structured finance. Primary Asset Finance arranges finance facilities and is not FCA regulated.
• Oasis Commercial LinescoreChannel Partner/ Reseller/ DistributorProvider of trader insurance products including Public Liability Insurance for self-employed gas fitters. Products include competitive rates, cover levels from £1M to £5M, tool cover, and quote-to-cover in under 5 minutes.
• MonevocoreTechnology or IntegrationTechnology partner for personal loan processing. Monevo receives consumer application data from Phoenix and routes it to a panel of lenders who may conduct soft credit searches. Once a loan offer is accepted, the specific lender may perform a hard search.
• TransUnion (formerly Callcredit)coreTechnology or IntegrationCredit reference agency used by lenders for soft and hard credit checks during the loan application process.
• ExperiancoreTechnology or IntegrationCredit reference agency used by lenders for creditworthiness assessments and identity verification.
• EquifaxcoreTechnology or IntegrationCredit reference agency used by lenders for credit file checks and fraud prevention.
• TraderDirectory.co.ukminorGTM or Marketing PartnerOnline directory where IAR traders receive a listing to be found by prospective customers looking for traders who can offer finance options.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Zuto: UK car finance broker arranging personal loans and PCP/HP finance through a lender panel for vehicle purchases. Directly comparable credit-broker distribution model and panel-routing technology, but focused on the auto use case.
• Ocean Finance: UK-based consumer credit broker arranging personal loans, secured loans, and mortgages from a panel of lenders. Highly comparable to Phoenix on business model (broker, not lender), product set, and target customer (UK consumers seeking multi-lender access).
• Fluent Money: UK broker focused on secured homeowner loans arranged through a lender panel. Closely comparable to Phoenix's secured loan offering and overall broker intermediary model targeting UK consumers.
• V12 Retail Finance: UK point-of-sale credit provider offering interest-bearing and interest-free finance at retailer checkouts, including home improvement trades. Direct comparable to Phoenix's IAR programme and POS finance offering for traders.
• Choose Wisely: UK loan-comparison and broker platform that routes consumer loan applications to a panel of lenders. Highly comparable multi-lender credit-broker model and UK consumer focus as Phoenix.
• Creation Consumer Finance: UK point-of-sale credit provider (part of BNP Paribas) offering retail finance for home improvements, vehicles, and consumer goods. Comparable role in enabling traders/retailers to offer finance at checkout, mirroring Phoenix's IAR model.
• Norton Finance: UK credit broker specialising in secured and personal loans, broking to a panel of lenders. Direct functional overlap with Phoenix's secured loans and personal loans lines and similar FCA-regulated intermediary model.
• BetterBorrow: UK loan broker arranging personal and secured loans across a multi-lender panel via an online application flow. Same credit-broker business model and similar consumer target as Phoenix's direct-to-consumer channel.
• Novuna Personal Finance: UK personal finance provider (formerly Hitachi Personal Finance) offering personal loans and point-of-sale finance including for home improvements. Comparable product set (personal loans, retail POS credit) and UK lender-panel presence alongside Phoenix's broker model.

Others

• Monevo: UK-based multi-lender loan-distribution platform that Phoenix integrates with for direct-to-consumer personal loans. They sit a layer above Phoenix in some applications (lender-side distribution), but are a live technology partner to Phoenix rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/phoenixfinancialconsultants
• LinkedInlinkedin.com/company/phoenix-financial-consultants

Compliance1 record

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 Phoenix Financial Consultants