CMF Capital

What CMF Capital does

CMF Capital is a UK-based independent commercial finance intermediary that arranges bespoke asset finance, credit facilities, and commercial loans for SMEs and mid-tier businesses. The firm operates as a broker with access to a panel of corporate lenders, structuring deals that range from £50,000 to £30 million across asset finance (up to £10m per deal), credit facilities (£1m–£20m), and commercial loans (up to £30m). Its stated client base spans at least eight verticals including renewables, aviation, broadcast, sports, manufacturing, transportation, construction, and IT & software, with sector-specific case studies in renewables and broadcast evidencing deeper specialization in non-mainstream lending niches.

The company's go-to-market is relationship-driven: approximately 84% of new business originates from referrals, indicating a network of brokers, accountants, and corporate introducers that repeatedly route clients to CMF Capital. Its value proposition rests on independent advice (the firm is not tied to a single funder), broad lender access, and senior-banker structuring expertise — leadership includes John Mulheron as MD, with Paul Meijer and Stephen Labrum joining in 2017. The business operates from Farnborough (relocated there in 2017) with a continued presence in Royston, and is privately held with 11–50 employees.

Underlying economics are commission-based on arranged facilities rather than balance-sheet lending; CMF Capital does not take principal risk on funded deals. Reported throughput was approximately £90 million of finance arranged in 2017 (19.28% growth) and £80 million in 2018 (13.2% YoY growth, with a 31% increase in agreement count). The firm rebranded in 2016 as part of its repositioning toward independent bespoke commercial finance, and has progressively broadened both its product set (adding larger credit facilities and commercial loans) and its sector coverage since.

Name

CMF Capital

Legal name

CMF Capital Ltd

Website

https://cmfcapital.co.uk

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

CMF Capital is a UK-based independent commercial finance intermediary that arranges bespoke asset finance, credit facilities, and commercial loans — from £50k to £30m — for SMEs and mid-tier businesses across verticals including renewables, aviation, broadcast, sports, manufacturing, transportation, construction, and IT & software.

Ownership category

akta.pro rank

Product category

Asset Finance & Commercial Lending (UK business finance intermediary)

NAICS

Nondepository Credit Intermediation (5222), Sales Financing (52222), Sales Financing (522220)

SIC

Miscellaneous Business Credit Institution (6159), Finance Lessors (6172), Finance Services (6199)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industries

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Asset finance brokerage
• Invoice financing solutions
• Commercial lending services
• Renewable energy finance
• UK business funding

Headquarters

HQ city

Farnborough

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Asset Finance Commission: CMF Capital operates as an asset finance intermediary with a panel of corporate lenders. The company earns commission from lenders for arranging finance facilities. Provides asset finance facilities to UK businesses on deal-specific and annual credit facility basis.
2. Hire Purchase: Spread purchase cost of assets over 3-7 years with fixed payments. At end of term, ownership transfers to customer. Commission earned from lender panel.
3. Finance Lease: Hire assets over 3-7 years. At end of term, customer can continue lease, upgrade to new agreement, or sell asset and share proceeds with lender.
4. Operating Lease: Hire assets over 3-7 years with residual value set, resulting in lower payments. At end of term, customer can return asset or continue at fair market rental.
5. Invoice Financing: Provides immediate access to funds against outstanding invoices, typically 80%+ upfront. Once invoice is paid, remainder (minus fees) is released. Facilities available from £1m+.
6. Commercial Loans: Loans typically 5-20 years for commercial property acquisition and renewables projects. For certain renewable projects, repayments can be funded from energy savings generated.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

CMF Capital is an independent UK asset finance intermediary that arranges bespoke business finance solutions through a panel of corporate lenders. It provides asset finance (Hire Purchase, Finance Lease, Operating Lease, Contract Hire), invoice/receivables financing, and commercial loans to UK businesses across sectors including renewables, aviation, broadcast, manufacturing, transportation, construction, sports, and IT. Deal sizes range from £50k to £10m for individual transactions, with annual credit facilities from £1m to £20m and commercial loans up to £30m.

Product overview

CMF Capital is a UK-based independent finance company providing bespoke business finance solutions. The offering consists of a core financing platform with multiple product types (Asset Finance, Invoice Financing, and Commercial Loans) that can be structured as Hire Purchase, Finance Lease, Operating Lease, Contract Hire, or Receivables Financing. These solutions serve businesses across eight industry sectors: Renewables & Clean Energy, Aviation & Airports, Broadcast & Production, Sports, Manufacturing, Transportation, Construction, and IT & Software. Deal ranges span from £50k individual transactions to £10m per deal, with annual credit facilities from £1m to £20m and commercial loans up to £30m.

Differentiator

Problem solved

Functional benefit

Products and services

• Hire Purchase Allows UK businesses to spread the purchase cost of an asset over a longer period (typically 3–7 years) with regular fixed payments, after which ownership transfers to the customer. Sourced via CMF Capital's panel of corporate lenders.
• Finance Lease Enables UK businesses to hire assets over 3–7 years. At the end of term the customer can continue the lease, upgrade to a new agreement, or sell the asset and share proceeds with the lender.
• Operating Lease Allows UK businesses to hire assets over 3–7 years with a residual value set, resulting in lower regular payments. At the end of term, customers can return the asset or continue at fair market rental.
• Contract Hire Enables UK businesses to acquire vehicles through fixed monthly payments with minimal initial outlay, including vehicle maintenance, over an agreed term.
• Invoice Financing (including Receivables Financing) Provides immediate access to funds due on outstanding invoices (typically 80%+ of invoice value upfront), with the balance released once the invoice is paid (less service charges and fees). Facilities available from £1m+. Receivables financing offered on both disclosed and confidential bases.
• Commercial Loans Long-term borrowing typically over 5–20 years, used for commercial property acquisition and renewables projects. Commercial loans available up to £30m for certain requirements, particularly in the renewables business, where repayments may be funded from energy savings generated by the project.
• Renewables & Clean Energy Finance Specialised funding for renewable energy projects including solar PV systems, wind turbines, biomass plants, combined heat & power systems, LED lighting, anaerobic digestion plants, and heat pumps. Project finance structures where repayments are funded from energy savings generated by the installation.
• Aviation & Airport Finance Funding solutions for UK airports and aviation ground support providers, covering baggage systems, ground support equipment, runway equipment, security scanners, airfield servicing equipment, and infrastructure upgrades including electric GSE fleet transition.
• Broadcast & Production Finance Asset and working capital funding for the broadcast and production industry, covering outside broadcast equipment, editing equipment, cameras, lenses, lighting, audio-visual equipment, post-production equipment, and location vehicles.
• Manufacturing Finance Manufacturing sector funding covering processing equipment, robotics, assembly lines, 3D printing equipment, machine tools, packaging, engineering equipment, and warehousing equipment.
• Transportation Finance Transportation funding solutions covering buses, coaches, heavy goods vehicles, trailers, tankers, light commercial vehicles, car fleets, and electric vehicles for transport and logistics businesses.
• Construction Finance Construction sector funding for excavators, cranes, bulldozers, dumpers, crushers, demolition equipment, and site plant.
• IT & Software Finance IT and software funding covering PCs, laptops, telephony systems, data centres, software, integrated EPOS systems, and artificial intelligence solutions.
• Sports Finance Sports sector funding including receivables financing for transfer funding, broadcast income, and season tickets, plus asset finance for video screens, advertising boards, seating, lighting, and catering equipment.

Quantifiable outcome

• £90,000 in electricity cost savings in first 12 months for solar installation customer
• +3 more outcomes

Named customers1 record

Segments9 records

Ideal customer profiles2 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.

• Strategic Partner (Biomass Energy Systems)coreStrategic or Co-development PartnerCMF Capital works with a strategic partner to provide biomass-based energy production systems for food and beverage companies. Partner provides complete solution for design, construction, operation and maintenance of systems. CMF Capital arranges 100% project financing with payments from expected energy savings.

Scale indicators9 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Funding Circle: UK-originated digital SME lending platform offering business loans and working capital directly online — a competing channel for SME finance that pressures traditional brokers like CMF in the lower ticket sizes.

Direct peers

• Simply Asset Finance: UK asset finance broker focused on arranging hire purchase, leasing and commercial loans for SMEs. Directly comparable to CMF's intermediary model and typical ticket sizes.
• Asset Advantage: UK asset finance broker arranging lease, hire purchase and loan facilities for SMEs, with multi-sector exposure analogous to CMF's vertical coverage.
• Henry Howard Finance: UK-based asset finance broker arranging HP, leasing and invoice finance facilities for SMEs across multiple verticals — closely overlapping CMF's product and target customer set.
• Propel Finance: UK asset finance provider/broker serving SMEs and mid-market businesses with hire purchase and leasing solutions. Comparable deal sizes and sector breadth to CMF.
• Close Brothers Asset Finance: One of the largest UK SME asset finance brokers/lenders, offering hire purchase, leasing and commercial loans to SMEs across sectors. Closest scaled comparator to CMF's intermediary-plus-bespoke model.
• Praetura Asset Finance: UK SME asset finance and working capital provider, combining a direct lending capability with broker-style origination — overlapping with CMF's deal range and SME focus.

Broad incumbents

• Novuna Business Finance (formerly Hitachi Capital Business Finance): Large UK asset finance and business loans provider with a broad product set and direct lender balance sheet. Comparable product mix (asset finance, invoice finance, vehicle finance) but operates at much larger scale and with own-book lending rather than pure intermediation.
• Mitsubishi HC Capital (formerly Hitachi Capital UK): Global, large-ticket asset finance lessor and lender with a UK platform spanning HP, leasing and commercial loans — overlaps CMF's product suite but at materially larger scale and with proprietary balance sheet.

Others

• Broker Insights: UK-based SaaS and data platform that connects commercial finance brokers and lenders — ecosystem infrastructure that could either partner with or disintermediate brokers like CMF.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/corporate-&-marine-finance
• Xx.com/cmf_capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 CMF Capital