Business Finance Brokers

What Business Finance Brokers does

Business Finance Brokers Ltd is a privately held UK credit broker, authorised and regulated by the Financial Conduct Authority (FRN 675825), that arranges asset-finance and loan products on behalf of UK small and medium-sized businesses. The firm sits between customers and a panel of carefully selected UK finance companies and does not lend capital itself; it earns commission from lenders when deals complete. Its core product set comprises Finance Lease, Hire Purchase, Contract Hire and Agricultural Loans, packaged alongside industry-focused service lines covering agriculture (the primary vertical), transport, manufacturing, groundcare, construction and arboriculture.

The company is headquartered at The Gables, Watling Street, Burbage, Hinckley, Leicestershire, with a regional office in Exeter established in 2020, and operates on a UK-wide, single-country basis with a sales-led, relationship-driven go-to-market. Customer engagement is handled directly through phone-based quotation and a website quote-request funnel, supplemented by presence at agricultural and machinery trade shows (e.g. Dairy-Tech 2018, Midlands Machinery Show 2017) and a commercial sponsorship of BSCDA / BriSCA F1 stock-car racing from 2018. The firm is led by Managing Director Kevin Ayres and Director Peter Ayres, with a small team of fewer than ten employees including Andrew Stoakes, who joined in March 2020 to cover the South West.

The business is founder/management-owned with no institutional investors or parent entity disclosed, no external funding rounds, and no proprietary technology, app, API or AI/ML capability. Competitive positioning rests on the firm's established lender-panel relationships — evidenced by consecutive 'Broker of the Year' awards from BNP Paribas Leasing Solutions and 'Outstanding Introducer' awards from Northridge Finance in 2017 — together with specialist agricultural domain knowledge and the ability to structure repayments around seasonal farm cash-flow patterns.

Name

Business Finance Brokers

Legal name

Business Finance Brokers Ltd

Website

https://businessfinancebrokers.co.uk

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Business Finance Brokers Ltd is a privately held UK FCA-authorised credit broker that arranges asset finance (Finance Lease, Hire Purchase, Contract Hire, Agricultural Loans) for UK small and medium-sized businesses, primarily in agriculture and adjacent rural-asset verticals.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Equipment & Asset Finance Brokerage (FSAEAEAJ)

Keywords

• Asset finance brokerage
• Agricultural finance
• Business loans
• Equipment leasing
• Commercial vehicle finance

Headquarters

HQ city

Hinckley

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Revenue model

1. Broker Commission: Business Finance Brokers Ltd operates as a credit broker, not a lender. The company earns revenue by arranging finance deals between customers and a panel of lenders. They receive commissions from finance providers when deals are completed. The company works with UK top finance companies to secure suitable finance packages for businesses.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Business Finance Brokers Ltd is a credit broker (not a lender) that arranges business finance solutions for UK businesses by matching them with a panel of carefully selected UK finance companies. Its core product set comprises Finance Lease, Hire Purchase, Contract Hire, and Agricultural Loans, supplemented by industry-specific finance services for agriculture, transport, manufacturing, groundcare, construction, and arboriculture sectors. The company structures repayments to suit individual business preferences, including seasonal cash flow patterns for farming customers.

Product overview

Business Finance Brokers Ltd is a credit broker (not a lender) that provides business finance services primarily to the agriculture industry. The company operates with a panel of carefully selected credit providers/lenders and offers four core financing products: Finance Lease, Hire Purchase, Contract Hire, and Agricultural Loans. These are complemented by industry-specific finance services covering Agricultural, Transport, Manufacturing, Groundcare, Construction, and Arboriculture sectors. The company matches finance models to customer needs and structures repayments to suit business preferences.

Differentiator

Problem solved

Functional benefit

Products and services

• Finance Lease Finance leasing allows customers to pay for goods in instalments; generally considered capital leases for accounts purposes. A core asset finance product for UK businesses arranging finance through the company's lender panel.
• Hire Purchase Hire Purchase allows customers to use goods immediately while paying in instalments, with an Option to Purchase Fee at the end of the hire term to transfer title of the goods to the customer. Arranged by Business Finance Brokers Ltd via its lender panel.
• Contract Hire Contract Hire allows customers to hire goods over a fixed period before returning goods to the supplier at the end of the term. Business Finance Brokers Ltd secures competitive business contract hire rates through its panel.
• Agricultural Loans Flexible short or medium-term finance for the purchase of goods or services, with the company securing competitive loan rates for agricultural businesses via its lender panel.
• Agricultural Finance Tailored financial solutions for the agriculture industry, covering farm inputs and agricultural asset purchases with finance structured to suit farming cash flow cycles.
• Transport Finance Finance solutions for the transport industry, including commercial vehicles and fleet financing, often for high-value vehicles such as hook cable lorries.
• Manufacturing Finance Finance solutions for manufacturing businesses to fund equipment and machinery purchases.
• Groundcare Finance Finance solutions for groundcare equipment and machinery used in landscaping and grounds maintenance businesses.
• Construction Finance Finance solutions for construction equipment and machinery purchases, including diggers and heavy plant.
• Arboriculture Finance Tailored finance solutions for arboriculture businesses, with funding options matched to specific business needs and structured repayments for tree care and forestry equipment.

Named customers3 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor and core.

• BSCDA (BriSCA F1 Stock Car Racing)minorGTM or Marketing Partner · 1 January 2018Business Finance Brokers Ltd became a commercial sponsor of BSCDA in 2018. The company sponsors BriSCA F1 World Championship qualifying rounds and presents winning trophies. Their branding appears on F1 stock cars and in BSCDA literature. Managing Director Kevin Ayres has personal connections to stock car racing dating back to the 1970s.
• BNP Paribas Leasing Solutions LtdcoreChannel Partner/ Reseller/ DistributorBNP Paribas Leasing Solutions is a key finance provider partner. Business Finance Brokers placed significant business with BNP Paribas, winning Broker of the Year Award for getting it right first time for two consecutive years (2017). The award was specifically attributed to Richard Holman's work in the agricultural inputs sector.
• Northridge FinancecoreChannel Partner/ Reseller/ DistributorNorthridge Finance recognized Business Finance Brokers as Outstanding Introducer for 2017, the second consecutive year receiving this recognition. This indicates a strong ongoing relationship for arranging finance introductions.
• UK Finance Companies PanelcoreChannel Partner/ Reseller/ DistributorBusiness Finance Brokers works with a panel of carefully selected credit providers and finance companies to offer finance products to customers. This panel-based approach enables access to competitive rates and suitable finance solutions for diverse business needs.
• MHF Trucks LtdminorGTM or Marketing PartnerMHF Trucks Ltd in Inkberrow, Worcestershire, supplies hook cable lorries with values of £100,000 or more. Business Finance Brokers arranges finance for their customers, with many customers seeking 10-30% upfront payment options. Sales and logistics manager Ben Hurdman refers customers to Business Finance Brokers for financing needs.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Hampshire Asset Finance: UK regional asset finance broker arranging finance for vehicles, equipment, and machinery. Comparable credit-broking model with lender-panel intermediation, though more regionally concentrated.
• Anglo Scottish Asset Finance: UK asset and vehicle finance broker arranging finance for commercial vehicles, plant, and equipment. Directly comparable intermediary model serving similar UK SME customers.
• Asset Advantage: UK-based asset finance broker arranging leasing and asset finance for businesses. Direct competitor in the same credit-broker / asset-finance intermediation category, serving similar UK SMEs across multiple equipment verticals.
• Copia Asset Finance: UK independent asset finance broker connecting businesses with lenders. Closely aligned intermediary model — third-party panel-based credit brokerage serving UK SMEs seeking equipment finance.
• Chronos Finance: UK asset finance broker serving SMEs and owner-managed businesses with equipment finance solutions. Directly comparable credit-broker model with multi-lender panel access and similar target customer profile.
• 1st Asset Finance: UK broker specialising in asset and equipment finance for businesses. Operates the same intermediary model — arranging finance lease, hire purchase, and similar products through a lender panel for UK business borrowers.
• Core Asset Finance: UK asset finance brokerage connecting businesses with lender panels for hire purchase, finance lease, and contract hire. Closely comparable business model — panel-based intermediation earning commission from third-party lenders for UK business customers.
• BlueSky Leasing: UK asset finance broker arranging finance lease and hire purchase for SMEs across multiple equipment types. Comparable credit-broker business model with multi-lender distribution.

Broad incumbents

• Close Brothers Asset Finance: Asset finance division of Close Brothers Group plc, a UK specialist bank. Provides direct asset and equipment finance (as lender, not broker) with broader product set and balance-sheet funding — overlapping customer base but operating as principal rather than intermediary.
• Hitachi Capital (Mitsubishi HC Capital UK): Major UK asset finance provider (formerly Hitachi Capital, now part of Mitsubishi HC Capital). Richard Holman of Business Finance Brokers previously worked at Hitachi Capital. Operates as a lender across equipment and vehicle finance, overlapping with Business Finance Brokers' product range but as a principal rather than broker.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bfbltd
• Facebookfacebook.com/businessfinancebrokersltd
• LinkedInlinkedin.com/company/business-finance-brokers-limited

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Business Finance Brokers