JB Finance

What JB Finance does

JB Finance is a UK-based commercial finance brokerage founded in 2022 and headquartered in Manchester. The firm offers cash flow finance, invoice finance, and asset finance services to businesses, positioning itself as an intermediary that arranges working-capital and asset-backed funding facilities on behalf of client SMEs. Its service mix — spanning short-term cash flow solutions, receivables-based financing, and asset-backed lending — is typical of UK SME brokers operating without balance-sheet exposure.

The company operates at very small scale, with a reported headcount of 1–10 employees and a single identified principal, founder Jake Barnes, who is also the named Commercial Finance Broker. The business model is consistent with commission-based intermediation: JB Finance likely earns arrangement or broker fees from lenders for successfully placed facilities, rather than earning net interest income or holding credit risk on its own books. There is no disclosed technology stack, no proprietary underwriting platform, no app, and no API surface in the available data; the firm's website source returned only a verification/loading screen, leaving product and pricing detail undocumented.

The company is privately held, has not disclosed any funding rounds, partnerships, awards, or regulatory filings in the input, and shows no public customer logos, segmentation strategy, or distribution channels beyond a single Manchester office and the founder's broker activity. Given the data thinness, JB Finance should be characterised as an early-stage, founder-led UK SME finance broker at sub-£1M revenue scale with no observable technology differentiation.

Name

JB Finance

Website

https://jb-finance.co.uk

Company type

Private

Founded year

2022

Headcount range

11–50 employees

Short description

JB Finance is a Manchester-based commercial finance broker, founded in 2022 by Jake Barnes, that arranges cash flow, invoice, and asset finance facilities for UK businesses through a small (1–10 employee) intermediary model.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Sales Financing (522220)

SIC

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

akta.pro primary industry

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

akta.pro secondary industry

Specialty Finance / Structured Credit (FSANADAE)

Keywords

• Cash flow finance
• Invoice finance
• Asset finance
• Commercial finance brokerage
• Business lending

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Core offering

JB Finance is a commercial finance brokerage that arranges cash flow, invoice, and asset finance solutions for businesses. Operating as a small Manchester-based firm founded in 2022, it connects business borrowers with appropriate funding products from lenders.

Differentiator

Problem solved

Functional benefit

Products and services

• Cash Flow Finance
• Invoice Finance
• Asset Finance

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves2 records

Emerging players

• Capify: UK-based SME lender focused on cash flow finance and revenue-based working capital — directly comparable product focus on cash flow solutions for small businesses.
• Fleximize: UK asset finance and business loan provider targeting SMEs — comparable asset finance and working capital offerings though operating as a direct lender rather than broker.
• MarketFinance (now Updraft): UK-based invoice finance and business lending platform — directly comparable invoice finance and cash flow products for SMEs, though operating as a direct funder.

Broad incumbents

• iwoca: UK fintech lender providing flexible working capital and term loans to SMEs — broader incumbent with a tech-led direct-lending model serving overlapping SME finance needs.
• Funding Circle: UK-listed SMB lending platform offering business loans and overdrafts — broader incumbent in the SME finance space with overlapping customers though operating a direct lender model rather than pure brokerage.

Direct peers

• Nucleus Commercial Finance: UK commercial finance broker providing invoice discounting, asset finance, and cash flow funding to SMEs — highly comparable broker model and product breadth.
• Collen Commercial Finance: UK commercial finance brokerage offering invoice finance, asset finance, and business loans — directly overlapping broker services and target SME customer base.
• Rangewell: UK-based commercial finance broker covering business loans, asset finance, invoice finance, and cash flow solutions for SMEs — directly comparable multi-product offering and broker business model.
• Broadgate Commercial Finance: UK commercial finance broker arranging asset finance, invoice finance, and business loans for SMEs — comparable product mix and broker-led origination model.

Others

• White Oak UK: UK asset finance and business lending funder — counterparty supplier/lender that JB Finance would likely place deals with; provides underlying capital for the asset finance leg of JB Finance's offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/jb-finance

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 JB Finance