Go-Business Finance

What Go-Business Finance does

Go-Business Finance is a privately held UK commercial finance brokerage that matches small and medium-sized enterprises with funders across invoice finance, VAT funding, asset finance, trade finance, and commercial mortgages. The firm operates without holding a lending balance sheet, intermediating between SMEs and a panel of over 130 UK funders spanning high street banks, Tier 2 independents, Tier 3 specialists, and boutique lenders. Its primary service area is the North of England, with concentration in Manchester, Liverpool, Bolton, and Preston, and broader messaging toward Leeds, Sheffield, and Birmingham. The customer base spans recruitment and staffing, haulage and logistics, manufacturing and engineering, construction and trades, distribution, horticulture, importers and exporters, and professional services, with a turnover floor of approximately £50,000.

The product portfolio centres on invoice finance — including factoring, confidential invoice discounting, and single-invoice Spot Finance — alongside rolling VAT facilities (3–12 months), trade and export finance covering 60+ currencies, asset and equipment finance, and commercial mortgages with loan-to-value up to 80%. Layered onto the core credit products are two insurance add-ons: Bad Debt Protection (non-recourse trade credit insurance against customer insolvency) and Personal Guarantee Insurance covering directors' personal exposure. The technology layer is anchored by Funding Edge AI, a proprietary conversational funding assistant deployed as a custom GPT on the ChatGPT platform, which automates initial qualification, captures lead details, and routes prospects to the broker team 24/7. An online funding portal supports spot finance customers with invoice selection, cost preview, and same-day payment processing.

The business model is commission-based: Go-Business Finance does not charge fees directly to customers and instead receives payment from lenders upon successful completion of a funding facility. Go-to-market is sales-led and inside-sales driven, combining a phone-first outbound motion (0161 739 0377), a B2B web form, the Funding Edge AI assistant, content marketing via The Funding Edge blog, organic SEO, Instagram, and a referral network of accountants and financial advisors. Speed of response — verbal decisions within one hour and funding within 24 hours — is positioned as a primary differentiator, alongside NACFB award recognition and the Lloyds Banking Group Signature Deal Award secured via the affiliated Go-Factor Business Finance entity.

Name

Go-Business Finance

Legal name

Go-Business Finance

Website

https://go-businessfinance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Go-Business Finance is a UK commercial finance brokerage matching SMEs with over 130 lenders for invoice finance, VAT funding, asset finance, trade finance, and commercial mortgages, serving primarily the North of England through a proprietary AI-powered funding assistant.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

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

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

akta.pro secondary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Invoice finance
• Commercial finance brokerage
• SME funding solutions
• Asset finance
• VAT funding

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission from Lenders: Go-Business Finance acts as an intermediary/broker matching SMEs with funders. They receive payment from the lender upon successful loan/facility completion, not from the customer directly. The privacy policy states 'Go-Business Finance will not charge you any fee for this service as we may receive payment from the lender upon successful completion.'

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Go-Business Finance is a UK-based commercial finance brokerage that matches SMEs with 130+ approved funders across invoice finance, invoice discounting, spot finance, VAT funding, trade/export finance, asset finance, and commercial mortgages. The firm does not lend directly but earns broker commissions from lenders upon successful facility completion, providing no-fee customer access to whole-of-market funding options.

Product overview

Go-Business Finance operates as a commercial finance brokerage — not a direct lender — matching UK SMEs with over 130 approved independent funders. The core product is Invoice Finance (including factoring, confidential invoice discounting, and spot/single-invoice finance), which unlocks up to 90% of invoice value within 24 hours. This core is supplemented by VAT Finance (rolling 3–12 month facilities), Trade/Export/Forward Finance (covering 60+ currencies), Asset Finance (equipment leasing/hire purchase), and Commercial Mortgages & Business Loans. Add-on insurance products — Bad Debt Protection (non-recourse invoice finance/trade credit insurance) and Personal Guarantee Insurance — layer onto the core to provide protection against customer insolvency and director guarantee risk. The entire proposition is fronted by Funding Edge AI, a proprietary AI-powered conversational platform providing 24/7 automated qualification and routing, combined with human broker access. The company positions itself as a whole-of-market broker rather than a single-product lender.

Differentiator

Problem solved

Functional benefit

Brands

• Funding Edge AI: In-house technology platform providing instant funding answers 24/7 and connecting SMEs with broker teams for invoice finance and related solutions.

Products and services

• Invoice Finance

Quantifiable outcome

• Up to 90% of invoice value released within 24 hours
• +3 more outcomes

Named customers1 record

Segments10 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature2 records

Partnerships

Two partnerships are on record, tiered core and flagship.

• Go-Factor Business FinancecoreStrategic or Co-development Partner · 20 February 2026Go-Factor Business Finance is the affiliated entity that received the Lloyds Banking Group 'Signature Deal' Award. Go-Business Finance works closely with Go-Factor to ensure clients benefit from nationally recognised invoice finance expertise. They share the same parent group and collaborate on client funding mandates.
• NACFB (National Association of Commercial Finance Brokers)flagshipStrategic or Co-development PartnerNACFB is the industry body that has recognised Go-Business Finance with Commercial Broker Intermediary Excellence Award 2023 and Highly Commended Invoice Finance Broker of the Year. NACFB recognition is a key trust signal and competitive differentiator.

Scale indicators6 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• MarketFinance: UK-based invoice finance and SME working capital platform offering factoring, invoice discounting, and business loans. Comparable in product mix and SME focus, though operating with direct-lending capability.
• Funding Circle: UK-originated SME lending platform offering business loans directly to SMEs, bypassing traditional brokers. Represents a direct-lending alternative to the broker intermediation model.
• Bibby Financial Services: Established UK and international invoice finance provider offering factoring, discounting, and asset-based lending to SMEs. Competitor for the same invoice finance mandates Go-Business Finance places.
• Swoop Funding: UK-based SME funding marketplace that matches businesses with lenders across loans, invoice finance, and asset finance. Direct competitor to Go-Business Finance's whole-of-market broker proposition, and already integrated as a technology partner.
• Nucleus Commercial Finance: UK commercial finance broker providing invoice finance, asset finance, and SME lending solutions through a panel of lenders. Directly comparable business model and SME target market to Go-Business Finance.

Emerging players

• Spotcap: UK and European online SME lending platform offering flexible working capital facilities. Comparable in SME focus and speed-of-funding proposition, with partial product overlap in invoice-style finance.
• iwoca: UK fintech providing fast, digital SME lending up to £1m. Competes for the same SME working-capital demand as invoice finance and represents the digital-first threat to traditional brokers.
• ThinCats: UK-based direct lending platform providing secured business loans to SMEs. Adjacent competitor for SME funding mandates, particularly in commercial loan and asset-backed lending.

Broad incumbents

• Lloyds Banking Group: UK high-street bank that both supplies invoice discounting facilities to SMEs and has recognised Go-Business Finance with a Signature Deal Award. Serves as both a funder on the panel and a competing incumbent in SME banking.
• HSBC UK: Major UK commercial bank offering SME banking, invoice finance, and asset finance. Competes with Go-Business Finance for SME commercial finance mandates as a broad incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/go_businessfinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Go-Business Finance