What C2B Money Group does

C2B Money Group operates as the UK-facing consumer brand under the privately held Believe Money Group, a hybrid broker founded in 2017 and headquartered in Doncaster, England. The business distributes financial products to UK consumers through three sub-brands: Believe Loans (second charge mortgages), Believe Protect (protection and insurance), and Simply Money (personal loans). These brands are served by a UK-based team of 140+ employees across two northern England offices.

The operational backbone is Clicktech, the group's proprietary technology platform, which the company describes as making connections between expert teams, top UK lenders, and consumers. The model is a hybrid broker intermediation: the firm does not lend balance sheet capital but rather earns transaction-based commissions by placing consumers with multiple UK lender partners across lending and protection products. The group reports cumulative second charge lending volume exceeding £500m and has been recognized as Best Second Charge Broker at the Mortgage Strategy Awards in both 2022 and 2024.

The company is privately held with no disclosed institutional investors, funding rounds, or M&A activity in the source material. It is registered as a private limited company in England and Wales (Companies House No. 10712693) and holds an ICO data protection registration. All revenue is generated within the United Kingdom; no international operations or geographies are disclosed.

Name

C2B Money Group

Legal name

Believe Money Group

Website

https://c2b.money

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

UK hybrid broker distributing second charge mortgages, personal loans, and protection products to consumers through Believe Loans, Believe Protect, and Simply Money, powered by its proprietary Clicktech platform and earning transaction-based commissions from lender placements.

Ownership category

akta.pro rank

Product category

Loan Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

B2B Channel Partners & Referral Agencies (Cross-Industry Referral) (FSAEAMAN)

Keywords

• Mortgage brokerage services
• Second charge mortgages
• Personal loan broking
• Protection insurance products
• Hybrid loan broker

Headquarters

HQ city

Doncaster

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission: The company acts as a hybrid broker connecting borrowers with UK lenders, earning commissions from facilitated loan transactions and protection product referrals

Pricing tiers

Distribution channels3 records

Marketing channels2 records

Core offering

C2B Money Group operates as a UK hybrid loan broker that connects individual consumers with multiple UK lenders for second charge mortgages, personal loans, and protection insurance products. The company uses its proprietary Clicktech platform to facilitate these connections and delivers services through three sub-brands: Believe Loans, Believe Protect, and Simply Money, earning commissions from lender transactions and product referrals.

Product overview

Believe Money Group is the UK's leading hybrid broker offering a portfolio of financial products across three sub-brands: Believe Loans (2nd charge mortgages), Believe Protect (protection/insurance), and Simply Money (personal loans). The company powers its operations through its proprietary Clicktech platform, which connects consumers with UK lenders and provides a seamless service experience. The group has facilitated over £500m in second charge lending and employs 140+ people across offices in the north of England.

Differentiator

Problem solved

Functional benefit

Brands

• Believe Loans: Smarter lending solutions, connecting people to trusted UK lenders. Focused on 2nd charge mortgages.
• Believe Protect
• Simply Money

Products and services

• Believe Loans Smarter lending solutions connecting people to trusted UK lenders, focused on second charge mortgages for UK consumers seeking additional borrowing options.
• Believe Protect Simple, competitive protection cover with expert support when it matters most, providing UK consumers with protection and insurance products.
• Simply Money Real-rate personal loans made easy through technology and choice, distributing personal loan products to UK consumers.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Top UK LenderscoreOthersAs a hybrid broker, Believe Money Group maintains relationships with multiple top UK lenders to offer consumers access to a range of lending products including second charge mortgages and personal loans

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Better.co.uk: UK mortgage broker operating a digital-first intermediary model across a panel of lenders. Direct competitor in the online broker segment targeting UK consumers.
• Habito: UK digital-first mortgage broker using proprietary technology to match borrowers with lenders. Highly comparable technology-led broker model targeting the same consumer need as Clicktech.
• Mojo Mortgages: UK online mortgage broker that connects consumers with a panel of lenders via its own technology platform. Direct comparable on broker-plus-tech positioning and UK consumer market.
• L&C Mortgages: One of the UK's largest mortgage brokers, offering a broad panel of lender products directly to consumers. Closely comparable hybrid broker business model with significant scale and brand recognition.
• Fluent Money: UK specialist in second charge mortgages, directly competing with Believe Loans in the same product category. One of the most cited direct competitors in the 2nd charge broker space.

Others

• Moneyfacts: UK financial data and comparison service that competes indirectly for the same consumer finance research journey. Adjacent to broking rather than a direct competitor.
• VouchedFor: UK introducer and lead-generation network connecting consumers with professional advisers and product providers. Comparable referral/intermediation function though focused on advisers more broadly.

Broad incumbents

• John Charcol: Long-established UK mortgage broker operating across a broad lender panel. Comparable intermediary business model though serving a more traditional, higher-net-worth customer segment.

Emerging players

• Haysto: UK specialist mortgage broker focused on borrowers with complex circumstances. Comparable broker model with a technology-enabled consumer experience, though smaller and more niche.
• Tembo Money: UK mortgage broker and home-buying platform using technology to help consumers get on the property ladder. Comparable tech-enabled broker targeting UK consumers, though at earlier stage.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

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 C2B Money Group