HH Business Finance

What HH Business Finance does

HH Business Finance Ltd is a UK-based, FCA-regulated commercial finance broker and lender operating from Monmouthshire, Wales (with a Bristol mailing presence) under Firm Reference Number 932105. Founded in 2020 by Howard Ross and Mark Crook, the firm positions itself as a 'super broker' that connects UK small and medium enterprises with a panel of over 100 UK commercial lenders across seven core finance products: business loans (unsecured and secured, £1,000–£25m, up to 10-year terms), asset and equipment finance (£5,000+, up to 84-month terms), vehicle finance (HP, lease, refinance, balloon products), refinance (up to £25m), merchant cash advance (up to 200% of card takings), commercial property finance (up to £100m, 85% LTV, up to 30-year terms) and invoice finance (95% release, same-day funding). The firm also distributes the government-backed Growth Guarantee Scheme and operates a Business Partner Finance Programme via the HHUB portal, enabling suppliers, manufacturers, accountants and associations to embed its lender panel into their own customer offerings without setup fees.

Underlying technology is predominantly a broker-intermediary model rather than a proprietary fintech platform. The firm runs a self-service online rate-check (60-second quote with no hard credit check), same-day decisions with funding in as little as four hours, and dedicated account managers who prepare applications and manage lender matching on behalf of clients. The 20+ vertical-specific go-to-market approach is operationalised through sector pages (agriculture, construction, healthcare, retail, manufacturing, transport, brewing, beauty, gym and fitness, recycling, amusements, professional services and more) and supported by a partner channel, direct sales, and digital marketing via hhbf.uk.

The firm generates revenue through two streams: broker/intermediary commissions on successful loan placements sourced from its lender panel, and interest income on finance it extends directly to customers under its FCA lender permissions. Pricing is quote-based and varies by profile, with funding sizes ranging from £1,000 to £100 million depending on product type and lender appetite. Customers are overwhelmingly UK SMEs across diverse verticals, served on a long-tail basis with no publicly disclosed anchor accounts. The ownership structure is private, with no disclosed institutional investors, venture capital, or private equity backing.

Name

HH Business Finance

Legal name

HH Business Finance Ltd

Website

https://hhbf.uk

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

HH Business Finance is a UK FCA-regulated commercial finance broker and lender that connects small and medium enterprises with a panel of over 100 UK lenders across loans, asset finance, vehicle finance, property finance, invoice finance, and merchant cash advance.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Trade Finance & Supply Chain Finance Platforms (FSAGAJAL)

akta.pro secondary industries

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

Keywords

• Commercial finance brokerage
• SME business loans
• Asset equipment finance
• Invoice finance solutions
• Merchant cash advance

Headquarters

HQ city

Bristol

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/Intermediary Fees: HH Business Finance acts as a credit broker and lender (FCA Reference: 932105), matching businesses seeking finance with suitable lenders from their panel of over 100 UK lenders. The company earns commission or fees from lenders for successful loan placements.
2. Lending/Financing Revenue: As both a broker and lender, the company generates revenue from interest earned on financed assets and loans extended directly to customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

HH Business Finance is a UK FCA-regulated credit broker and lender that matches small and medium enterprises with finance from a panel of more than 100 commercial lenders. Its product suite covers business loans (£1,000 to £25m), asset and equipment finance, vehicle finance, refinance, merchant cash advance, commercial property finance, and invoice finance, with approvals targeted within four hours. The company also runs a Partner Finance Programme (HHUB portal) enabling suppliers, accountants and associations to refer clients into its lender panel.

Product overview

HH Business Finance is a UK-based business finance broker offering a comprehensive suite of financing solutions. The core product portfolio comprises seven main finance products: Business Loans, Business Asset and Equipment Finance, Vehicle Finance, Refinance, Merchant Cash Advance, Property Finance, and Invoice Finance. These products are supported by a Partner Finance Programme with access to over 100 UK lenders and the HHUB portal for partners. The company also facilitates access to government-backed schemes like the Growth Guarantee Scheme. The offering is architecture as a platform connecting SMEs with lenders across 20 industry sectors, providing bespoke finance solutions with flexible repayment terms, market-leading rates, and approvals within hours to 8 hours.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loans
• Business Asset and Equipment Finance
• Vehicle Finance
• Refinance
• Merchant Cash Advance
• Property Finance
• Invoice Finance
• Partner Finance Programme
• Growth Guarantee Scheme

Quantifiable outcome

• Finance approvals within 4 hours
• +4 more outcomes

Segments21 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• iwoca: London-based fintech providing short-term working capital loans and lines of credit to UK SMEs. Competes directly with HHBF's unsecured business loan and MCA products via a fully digital, instant-decision platform.
• Funding Circle: UK-listed SME lending platform that originates and funds business loans directly to SMEs. Highly comparable to HHBF's business loan and SME credit intermediation activities, though it operates its own balance sheet and technology platform rather than a broker model.
• Capify: UK provider of merchant cash advances and small business loans. Directly overlaps with HHBF's MCA product and broader unsecured SME lending offering.
• Funding Options: UK-based online business finance marketplace/broker that matches SMEs with lenders. Closest direct competitor to HHBF's broker/matchmaker model, with a similar multi-lender, multi-product proposition.
• Praetura Commercial Finance: Manchester-based alternative lender providing asset finance, business loans, and invoice finance to UK SMEs. Comparable to HHBF in product mix and target customer segment.
• Nucleus Commercial Finance: UK alternative finance provider offering asset finance, invoice finance, and business loans to SMEs. Closely comparable to HHBF's multi-product SME finance proposition.

Emerging players

• Tide: UK digital business banking and lending platform serving SMEs. Increasingly overlapping with HHBF in SME credit products, with a tech-led model that could pressure traditional brokers over time.
• Allica Bank: UK challenger bank focused on SME lending including asset finance, commercial mortgages, and business loans. A direct competitor in HHBF's target verticals, particularly for established SMEs seeking larger facilities.

Broad incumbents

• Bibby Financial Services: Large UK-based invoice finance and asset-based lending provider serving SMEs. Comparable in invoice finance and broader commercial credit products, but at much greater scale and as a direct funder rather than a broker.
• Aldermore: UK challenger bank with significant asset finance, invoice finance, and commercial mortgage franchises. Comparable product set to HHBF but operates as a direct principal lender, not a broker.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/hhbfuk
• LinkedInlinkedin.com/company/hhbfuk

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 HH Business Finance