MacManus Asset Finance

What MacManus Asset Finance does

MacManus Asset Finance Limited is a UK-based, fee-free asset finance and commercial finance brokerage founded in 2003 and headquartered in Caerphilly, Wales. The firm connects small and medium-sized enterprises with a panel of UK asset finance and business loan providers — including Aldermore, Bibby, Close Brothers, Hitachi, Investec, Liberty Leasing and others — arranging facilities that span asset finance (£10k–£5m, from 3.7% per annum), unsecured business loans (up to £500k), invoice finance (up to 90% of invoice value), VAT and tax loans, car and vehicle finance, and a broad set of add-on products covering trade finance, stock finance, revolving credit, credit insurance, commercial mortgages, bridging and development finance, and marine and contract-hire vehicle solutions.

The company is built around a consultative sales motion led by a five-person team headed by Managing Director Chris MacManus. Its technology footprint consists of an informational website with online repayment calculators (asset finance, business loans, car finance), dedicated partner portals for accountants, suppliers, and a Certified Individual referral programme, and standard enquiry/booking workflows. The platform is marketing and case-routing rather than algorithmically driven origination; pricing and eligibility decisions are made by underlying lenders.

MacManus earns revenue exclusively through lender commissions on placed business, supplemented by a theoretical 1% Confirmed Offer Fee that has never been charged in practice. The firm is FCA-authorised (FRN: 821663), ICO-registered, and a member of the National Association of Commercial Finance Brokers, and it targets geographic coverage across England, Scotland, Wales and Northern Ireland through more than 60 city landing pages and dedicated industry pages targeting vertical niches such as construction, haulage, agriculture, manufacturing and green energy.

Name

MacManus Asset Finance

Legal name

MacManus Asset Finance Limited

Website

https://macmanus.finance

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

MacManus Asset Finance is a UK-based, fee-free SME finance brokerage founded in 2003, headquartered in Caerphilly, Wales. It connects small and medium businesses to a panel of lenders for asset finance, business loans, invoice finance, tax loans and vehicle finance across more than 60 UK cities.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

Keywords

• Asset finance brokerage
• SME business loans
• Invoice finance solutions
• Commercial vehicle finance
• UK business funding broker

Headquarters

HQ city

Caerphilly

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, Infrastructure

Revenue model

1. Broker Commission: MacManus Asset Finance operates as a fee-free brokerage service. They do not charge fees to customers for their brokerage services. Instead, they receive commission from lenders for successfully placing business. Commission models include percentage of amount borrowed and rate for risk based on business risk profile.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels11 records

Core offering

MacManus Asset Finance operates as a fee-free asset finance and commercial finance broker connecting UK small and medium enterprises (SMEs) with a wide panel of lenders. Core offerings include asset finance, business loans, invoice finance, VAT loans, and car finance, supplemented by a broad range of standalone financing products covering refinancing, equipment leasing, trade finance, stock finance, tax loans, commercial mortgages, and bridging finance. The company does not charge broker fees to customers; revenue is earned via commission from lenders for successfully placing business.

Product overview

MacManus Asset Finance operates as a fee-free asset finance broker offering a platform of financial products designed for SMEs. The core offerings include Asset Finance, Business Loans, Invoice Finance, VAT Loans, and Car Finance, supported by a panel of lenders. The company provides financing for various asset types including machinery, vehicles, equipment, and property. Additional products include refinancing options, working capital facilities (trade finance, stock finance, revolving credit), tax loans, commercial mortgages, and bridging finance. The company also provides online calculators for asset finance, business loans, and car finance as supporting tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset Finance Financing for SMEs to acquire assets such as machinery, vehicles, and equipment without paying the full upfront cost. Amounts from £10,000 to £5,000,000, interest rates from 3.7% per annum, terms from 1 to 7 years.
• Business Loans Flexible business lending to help SMEs expand operations, hire staff, or boost cash flow. Up to £500,000 unsecured, from 5% per annum, terms from 3 months to 5 years.
• Invoice Finance Turns unpaid invoices into working capital. Up to 90% of invoice value advanced, rates from 1-3% and discount rates from 1.7% over base, with rolling or fixed agreements available.
• VAT Loans Breaks VAT bills into manageable payments. Amounts from £10,000 to £2,000,000, from 6% over the term, 3-month term.
• Car Finance Vehicle financing for businesses. Up to £2,000,000+, from 9.9% APR subject to credit profile, 1 to 5 year terms.
• Asset Refinance Refinancing of existing assets to release tied-up capital for business use.
• Equipment Leasing Leasing of business equipment as an alternative to outright purchase.
• Trade Finance Finance solutions for international trade and import/export activities.
• Stock Finance Funding to purchase inventory and stock for businesses.
• Business Credit Cards Credit card solutions for business expenses and cash flow management.
• Merchant Cash Advance Advance based on future card sales, repaid through a percentage of daily takings.
• Revolving Credit Facilities Flexible credit line that can be drawn upon as needed.
• Credit Insurance Protection against customer non-payment and bad debt.
• Corporation Tax Loans Finance solutions to manage corporation tax obligations.
• Self Assessment Tax Loans Loans to cover self-assessment tax liabilities for business owners.
• Contract Hire Long-term vehicle rental with maintenance options.
• Vehicle Supply Sourcing and supply of vehicles for businesses.
• Marine Finance Specialized financing for marine vessels and boats.
• Commercial Mortgages Property financing for commercial premises.
• Development Finance Short-term funding for property development projects.
• Bridging Finance Short-term finance to bridge cash flow gaps pending longer-term funding.

Quantifiable outcome

• Funding process from inquiry to payout in under a week
• +2 more outcomes

Named customers5 records

Segments7 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

Three partnerships are on record, tiered core.

• Cardiff City FCcoreGTM or Marketing Partner · 1 January 2024MacManus Asset Finance became a Cardiff City FC Community Partner during the company's 21st anniversary year (2024). This community partnership provides brand visibility and engagement opportunities with the football club's audience.
• NACFB (National Association of Commercial Finance Brokers)coreOthersFull member of the National Association of Commercial Finance Brokers. The NACFB SAF Business MoneyFacts Awards badge is displayed on the company website, indicating active membership and compliance with industry standards.
• Financial Conduct Authority (FCA)coreOthersAuthorised and regulated by the FCA with FRN: 821663. The FCA authorization is prominently displayed as a key trust indicator for customers seeking regulated financial services.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• iwoca: UK fintech providing flexible SME business loans up to £500k — directly competitive with MacManus's Business Loans product — but funded on its own balance sheet using open banking data, bypassing the broker model entirely.
• Funding Circle: UK-listed SME lending platform offering business loans, asset finance, and invoice finance directly and via partners. Overlaps with MacManus's SME business loan and working capital products but operates a fully digitised, balance-sheet-funded model rather than a fee-free brokerage.

Others

• Close Brothers Asset Finance: A named MacManus panel lender offering SME asset finance and vehicle finance across the UK. Comparable to MacManus in product type but operates as a direct funder rather than a broker.
• Hitachi Capital (now Octopus Investments): Named MacManus panel lender providing asset finance, vehicle finance, and loan products to UK SMEs. Comparable product overlap but operates as a direct lender on its own balance sheet.
• Aldermore (asset finance division): A named MacManus panel lender, Aldermore is one of the UK's largest specialist asset finance providers. Relevant as both a supplier of brokered product and a potential disintermediation risk if it pushes more business through direct channels.
• NACFB member brokers (industry-wide): The National Association of Commercial Finance Brokers represents hundreds of UK commercial finance brokers comparable to MacManus. The trade body itself is not a competitor but its member roster defines MacManus's peer set in the broker category.

Emerging players

• Tide: UK digital business banking platform offering integrated SME lending, invoice finance, and asset finance through partners. Adjacent to MacManus's product suite and a long-term disintermediation risk as more SMEs self-serve through banking apps.
• Fleximize: UK fintech providing flexible SME business loans (£5k–£500k) with a tech-led, fast-approval model. Comparable to MacManus's Business Loans product for small-ticket SME borrowers.

Direct peers

• Bibby Financial Services: UK invoice finance, asset finance, and commercial lending provider serving SMEs. Direct overlap with MacManus on invoice finance and asset finance, though Bibby funds its own book and also operates broker relationships.
• Capify: UK alternative finance provider offering business loans and merchant cash advances to SMEs. Comparable in target market and product set to MacManus's Business Loans and Merchant Cash Advance offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/macmanusfinance
• YouTubeyoutube.com/@macmanusfinance
• Instagraminstagram.com/macmanusfinance
• Facebookfacebook.com/MacManusAssetFinanceLtd
• LinkedInlinkedin.com/company/macmanus-asset-finance-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 MacManus Asset Finance