Everything Financial
Everything Financial is a UK-based FCA-authorised credit broker (trading name of Everything Financial Technologies Limited) that connects 1M+ consumers annually with lenders across personal loans, vehicle finance, mortgages, and revolving credit, earning commission on successful introductions.
- Company typePrivate
- Founded2013
- HeadquartersCongleton, United Kingdom
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Everything Financial does
Everything Financial is a UK-based fintech credit broker, operating under the legal entity Everything Financial Technologies Limited, registered in England and Wales (company No. 08760331) and authorised and regulated by the Financial Conduct Authority under FRN 964790. The company connects UK consumers seeking credit with lenders and other credit brokers across a broad product set, including unsecured personal loans, vehicle finance, salary-based loans, revolving credit, homeowner loans, and mortgages, processing 1 million+ consumer enquiries per year through comparison partnership websites and a direct consumer-facing site. It self-describes as the largest UK intermediary by loan application volume.
The platform is built around three capability layers: (1) open banking technology integrated for real-time affordability and creditworthiness assessment, with credit reference agency integrations to Equifax, TransUnion, and Experian; (2) a mortgage search engine powered by Twenty 7 Tec that analyses product availability across multiple lenders; and (3) high-converting, low-friction application journeys designed for the regulated fintech context. Everything Financial's stated differentiators are its scale as the largest UK intermediary, the breadth of its lender and broker panel (17+ named partners including Monevo, Motiv Finance, Zopa, Lendable, Bamboo, 118 118 Money, Shawbrook, Admiral, and Believe Loans), and its regulatory credentials (FCA and ICO registration ZB511287).
Everything Financial's revenue model is purely commission-based: it does not lend its own capital and charges no fee to consumers for unsecured loan referrals. Revenue is generated as transaction fees and affiliate commissions from lenders and third parties on successful introductions, plus commissions from third-party mortgage brokers when first and second charge mortgage cases are referred onward. The go-to-motion is a channel-led model, with the majority of consumer acquisition driven through comparison partnership websites rather than direct digital marketing. Headcount is in the 11-50 range, and no parent company, subsidiaries, or external funding rounds are disclosed.
Everything Financial firmographics
Firmographics- Name
- Everything Financial
- Legal name
- Everything Financial Technologies Limited
- Website
- https://everythingfinancial.co.uk
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Everything Financial is a UK-based FCA-authorised credit broker (trading name of Everything Financial Technologies Limited) that connects 1M+ consumers annually with lenders across personal loans, vehicle finance, mortgages, and revolving credit, earning commission on successful introductions.
- Ownership category
- akta.pro rank
Everything Financial industry classification
Industry- Product category
- Credit Broking Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
- akta.pro secondary industries
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
Keywords
Where Everything Financial is headquartered
LocationHeadquarters
- HQ city
- Congleton
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Everything Financial business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Commission from Lenders: Income derived from commissions paid by lenders and other third parties for successful loan application introductions made through the Everything Financial platform.
- Commission on Secured Lending Referrals: For first and second charge mortgages where Everything Financial refers consumers to a third-party mortgage broker, they receive a commission paid by the third party for successful introductions.
- Comparison Partnership Revenue: A majority of their 1 million+ annual consumers come through comparison partnerships, generating referral and commission revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Consumer credit broker services - free to end users |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels2 records
Everything Financial product offering
Product offeringCore offering
Everything Financial is a UK credit broker (not a lender) that operates a fintech-powered platform connecting consumers with lenders for personal loans, vehicle finance, mortgages, homeowner loans, salary-based loans, and revolving credit. The platform uses open banking technology for real-time affordability and creditworthiness assessment and processes over 1 million consumer searches annually, primarily through comparison partnerships. The company earns commission from lenders and third-party brokers for successful introductions and distributes products on behalf of a broad lender panel.
Product overview
Everything Financial operates a comprehensive credit broking platform that connects consumers with lenders across multiple lending products. The platform serves as an intermediary, processing over 1 million consumer searches annually through comparison partnerships. The core Credit Broking Platform integrates with Twenty 7 Tec for mortgage search functionality and uses open banking technology for real-time affordability and creditworthiness assessments. The platform offers seven main product categories: Personal Loans (unsecured), Vehicle Finance (hire purchase and conditional sale), Salary Based Personal Loans, Revolving Credit, Homeowner Loans (secured/second charge mortgages), and Mortgages. These products are sourced from an extensive panel of lenders and credit brokers including Aspire Money, 118 118 Money, Bamboo, Zopa, Monevo, Admiral, HSBC, Santander, and many others, with Everything Financial earning commission on successful introductions.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Broking Platform A fintech-powered credit broker platform that connects consumers with lenders through seamless, high-converting loan application journeys, processing over 1 million consumer searches annually via comparison partnerships.
- Personal Loans Broking
- Vehicle Finance Broking
- Salary Based Personal Loans Broking
- Revolving Credit Broking
- Homeowner Loans Broking
- Mortgage Broking
Quantifiable outcome
- Over 1 million consumers served annually
- +1 more outcomes
Companies that use Everything Financial
Customer profileSegments3 records
Ideal customer profiles3 records
Everything Financial technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
Everything Financial partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core and minor.
- Monevo LtdcoreMonevo acts as a credit broker/eligibility provider of Lending Products. Their services are brokered through Everything Financial for various loan products including unsecured loans and vehicle finance.
- Motiv Finance LimitedcoreMotiv Finance acts as a credit broker/eligibility provider of Lending Products including unsecured loans, vehicle finance brokered through CreditPlus and My Car Credit, and products from Lendable and Zopa.
- Twenty 7 TeccoreTechnology partner providing mortgage search engine that analyses product availability across many mortgages to match consumer requirements. Powers Everything Financial's comparison service for mortgage products.
- Aspire MoneyminorCredit broker/eligibility provider offering solutions in the personal finance market.
- 118 118 Money (Madison CF Limited)minorProvider of unsecured loans and credit cards, with products brokered through Everything Financial.
- ZopaminorProvider of loans and credit cards, with products brokered through Motiv Finance.
- Bamboo LimitedminorProvider of unsecured and guarantor loans, brokered through Everything Financial.
- Lendable LimitedminorProvider of unsecured loans and vehicle finance, brokered through Motiv Finance.
- Plata Finance LimitedminorProvider of unsecured loans, brokered through Everything Financial. Also powers Co-op loans.
- Believe Loans (Believe Money Group)minorCredit and mortgage broker of homeowner loans, with introductions brokered by Everything Financial.
- Drafty (GAIN Credit LLC)minorProvider of revolving credit, brokered through Monevo.
- Updraft (Fairscore Limited)minorProvider of unsecured loans, brokered through Everything Financial.
- The Money PlatformminorProvider of unsecured loans, with lending products brokered through Everything Financial.
- Shawbrook Bank LtdminorProvider of unsecured loans, brokered through Monevo.
- Admiral (EUI Limited)minorProvider of unsecured loans and car finance, brokered through Monevo.
- Evlo (Everyday Lending Ltd)minorProvider of unsecured loans, brokered through Everything Financial.
- CarMoney LimitedminorBroker of vehicle finance, with services brokered through Motiv Finance.
- Little Loans (Digitonomy Ltd)minorCredit broker of Lending Products.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Everything Financial competitors and assessment
Company assessmentDirect peers
- Monevo: Monevo is a UK-based credit broker and eligibility provider that distributes personal loans, vehicle finance and revolving credit through partners. It is one of Everything Financial's named core channel partners, operates the same intermediary business model, and serves overlapping lender panels, making it the closest direct comparator.
- Drafty: Drafty is a UK revolving credit provider owned by GAIN Credit LLC. It is named as a revolving credit provider brokered through Everything Financial via Monevo, and operates in the same UK online revolving credit niche as the revolving credit products on EF's platform.
- ClearScore: ClearScore is a UK consumer credit marketplace that connects borrowers with lenders across cards, loans and mortgages and offers free credit scores. It is a direct competitor in UK personal loan distribution and uses similar Open Banking-style matching to drive lender introductions at consumer scale.
- Salary Finance: Salary Finance is a UK employee-benefit platform offering salary-deducted personal loans and related products via employer partnerships. Everything Financial explicitly brokers 'salary based personal loans' via Salary Finance, so both companies operate in the same employer-channel salary-linked lending niche.
- Bamboo: Bamboo is a UK specialist lender of unsecured and guarantor loans. It is named in Everything Financial's lender panel as a provider brokered through the platform, while also distributing directly to consumers, making it a directly comparable specialist credit brand.
Broad incumbents
- Compare the Market: Compare the Market is a leading UK price comparison brand across insurance, credit and household services. It is a broad incumbent in the comparison space that competes with Everything Financial's comparison partner network for both consumer attention and lender marketing budgets.
- MoneySupermarket Group: MoneySupermarket is one of the UK's largest price comparison websites, with significant market share in loans, mortgages and insurance comparison. It competes for the same comparison-driven consumer traffic that drives Everything Financial's volume and represents a major incumbent in adjacent categories.
- Moneyfacts: Moneyfacts is a long-established UK personal finance data and comparison provider covering loans, mortgages, savings and credit cards. It is a broader incumbent that overlaps with Everything Financial's mortgage and personal loan comparison functionality.
Emerging players
- Zopa: Zopa is a UK digital bank and consumer lender offering personal loans and credit cards. Although it appears in Everything Financial's lender panel via Motiv Finance, Zopa also distributes directly to consumers and competes for the same unsecured loan borrower segment, making it a partial but meaningful competitor.
Others
- Experian UK: Experian is a global credit reference agency whose UK consumer credit bureau, score and marketplace services both supply data to Everything Financial and compete for lender marketing/lead-gen budgets via its own comparison platform. It is an enabling/comparator rather than a direct like-for-like broker.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Everything Financial social profiles
Digital presenceEverything Financial compliance and trust
Trust signalCompliance2 records
Everything Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Everything Financial leadership team
Management profileNumber of profiles
Everything Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Everything Financial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Everything Financial
What does Everything Financial do?
Everything Financial is a UK credit broker (not a lender) that operates a fintech-powered platform connecting consumers with lenders for personal loans, vehicle finance, mortgages, homeowner loans, salary-based loans, and revolving credit. The platform uses open banking technology for real-time affordability and creditworthiness assessment and processes over 1 million consumer searches annually, primarily through comparison partnerships. The company earns commission from lenders and third-party brokers for successful introductions and distributes products on behalf of a broad lender panel.
Is Everything Financial a public or private company?
Everything Financial is a private company. It is classified as unknown and is currently operating.
When was Everything Financial founded?
Everything Financial was founded in 2013. It employs 11 to 50 people.
Where is Everything Financial based?
Everything Financial is headquartered in Congleton, United Kingdom, in the Europe region.
How does Everything Financial make money?
Three revenue lines are on record. Commission from Lenders are the primary driver. The others are commission on Secured Lending Referrals and comparison Partnership Revenue.
Who are Everything Financial's main competitors?
Direct peers on record are Monevo, Drafty, ClearScore, Salary Finance and Bamboo. Broad incumbents are Compare the Market, MoneySupermarket Group and Moneyfacts. Zopa is listed as an emerging player. Experian UK is listed as an others.
Does Everything Financial have an API?
No public API is recorded for Everything Financial.
What industry is Everything Financial in?
Everything Financial's product category is Credit Broking Services. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation, with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 52231 and its SIC code is 6162.