Fastracker

What Fastracker does

Fastracker Limited is a UK-incorporated financial services broker (Companies House registration 03500571, FCA registration 658695) operating from Sproughton, Ipswich. The company was founded in 1988 and acts solely as a licensed credit broker rather than a direct lender, intermediating between borrowers and a network of FCA-authorized funders to arrange finance agreements. Its product surface spans two broad categories: vehicle finance (brand-new, used, classic, and prestige cars; motorhomes and caravans; HGVs and light commercial vehicles; motorcycles) and business/asset finance (Hire Purchase, Finance Lease, Operating Lease, Refinancing/Sale and HP Back, Invoice Discounting and Factoring, and Commercial Mortgages typically structured over 10-15 years).

Economically, Fastracker earns transaction-based commissions from lenders for each successfully arranged facility rather than charging borrowers direct fees; pricing is indicative and quote-based, subject to creditworthiness, income verification, and asset evaluation under standard FCA disclosure language (subject to status, 18+, terms apply, indemnities may be required). The GTM is sales-led and primarily inbound, driven by a single dedicated telephone line (01473 749911), a website contact form, and a business proposal form for commercial applicants, supported by an online car finance calculator for indicative quotations. Underlying technology is a standard content-managed marketing site with no proprietary fintech stack, public APIs, SDKs, or integrated lender platform disclosed.

The company serves UK-based SMEs, sole traders, large enterprises, and private individuals via a horizontal segmentation approach, solving capital-expenditure constraints, cash-flow timing issues, and the difficulty of acquiring high-value assets (vehicles, equipment, commercial property) without large upfront outlay. Distribution remains UK-domestic only, supporting customer segments across prestige vehicle acquisition, commercial fleet funding, working capital access through invoice discounting, and commercial property financing.

Name

Fastracker

Legal name

Fastracker Limited

Website

https://fastracker.co.uk

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

1–10 employees

Short description

Fastracker is a UK FCA-authorized credit broker arranging vehicle and business asset finance, connecting UK consumers and businesses with a network of funders for car, commercial vehicle, asset, and invoice-discounting facilities.

Ownership category

akta.pro rank

Product category

Financial Services Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Short-Term Credit Broking & Lead Generation (FSAKAMAN)

Keywords

• Vehicle finance brokerage
• Asset finance broker
• Credit broker services
• Commercial finance arranging
• Invoice discounting factoring

Headquarters

HQ city

Ipswich

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Broker Services: Fastracker acts as a licensed credit broker facilitating finance agreements between borrowers and lenders. They earn commission from funders/lenders for arranging commercial funding, hire purchase agreements, finance leases, operating leases, vehicle finance, and invoice discounting. The company is FCA authorized (registration 658695) and does not lend directly but connects customers with appropriate financing solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Fastracker is an FCA-authorized licensed credit broker (registration 658695) that arranges vehicle finance and business/asset finance by connecting borrowers with a network of funders and lenders. The company does not lend directly but earns commission by brokering hire purchase, finance lease, operating lease, refinancing, invoice discounting, and commercial mortgage agreements for both UK businesses and private individuals.

Product overview

Fastracker is a UK-based asset and vehicle finance broker offering a unified portfolio of financial products. The core offering spans two main categories: vehicle finance (covering new, used, classic cars, motorhomes, caravans, and commercial vehicles) and business asset finance (including hire purchase, finance lease, operating lease, refinancing, invoice factoring, and commercial mortgages). The company operates as an FCA-authorized licensed credit broker, connecting customers with a network of funders to arrange competitive financing solutions. Supporting tools include a car finance calculator for indicative quotes and an online business proposal form for applications.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Finance

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• FCA-Authorized Funders and Lenders NetworkcoreChannel Partner/ Reseller/ DistributorFastracker works with a network of FCA-authorized funders and lenders to arrange finance products. As a licensed credit broker, they connect customers with appropriate financing solutions from their funder network. The company has competitive sourcing arrangements in place for both cars and light commercial vehicles through these partnerships.

Scale indicators1 record

Recent moves3 records

Expansion highlights4 records

Emerging players

• Zopa: UK digital challenger bank offering personal loans, car finance, and savings products directly; represents the digital-native competitive threat to traditional brokers like Fastracker.

Direct peers

• CSF Asset Finance: UK asset finance broker providing hire purchase and leasing solutions for businesses; closely comparable intermediary model to Fastracker.
• Clear Commercial Finance: UK broker arranging commercial mortgages, asset finance, and invoice finance for SMEs; overlaps with Fastracker's commercial funding and invoice discounting products.
• CarFinance 247: UK car finance broker connecting consumers with lenders for new and used vehicle finance; directly comparable in customer segment and product type to Fastracker's car finance business.
• Arden Asset Finance: UK asset finance broker arranging hire purchase, finance lease, and operating lease for SMEs; highly comparable to Fastracker's core asset finance intermediation offering.
• Advantage Finance: UK-based vehicle finance broker arranging hire purchase and leasing for individual and business customers through a panel of lenders; directly comparable to Fastracker's vehicle finance brokerage model.
• BlueStone Asset Finance: UK asset finance brokerage focused on SMEs seeking hire purchase and lease solutions; operates on a similar commission-based intermediary model as Fastracker.

Broad incumbents

• Novuna Vehicle Solutions: Large UK vehicle finance provider (formerly Hitachi Capital) offering fleet, LCV, and consumer car finance directly; competes for the same borrower demand that Fastracker routes to its funder panel.
• Close Brothers Asset Finance: UK division of Close Brothers providing asset finance, vehicle finance, and invoice finance directly to SMEs; broader incumbent with overlapping products to Fastracker's portfolio.
• Together Money: Major UK specialist lender offering secured and asset-backed finance directly to businesses and consumers; broader portfolio than Fastracker but significant overlap in commercial asset and property lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fastracker

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 Fastracker