Net Zero Asset Finance

What Net Zero Asset Finance does

Net Zero Asset Finance Limited is an independent UK asset finance brokerage founded by Stuart Cook and registered in 2021 as a private limited company (company number 13326550) at 71-75 Shelton Street, Covent Garden, London. The firm arranges asset finance for UK small and medium-sized enterprises seeking to fund green and sustainable assets supporting the net zero transition, operating across three defined sectors: e-mobility (electric vehicles, buses, and charging infrastructure), green energy (battery storage, solar, ground and air source heat pumps), and recycling (waste-to-energy and green metal plants). The company does not lend directly and explicitly positions itself as a brokerage that introduces clients to a panel of finance providers rather than an independent financial advisor.

The firm's product surface consists of four core finance structures — Hire Purchase, Finance Lease, Operating Lease, and Commercial Loan — supplemented by access to the British Business Bank's Recovery Loan Scheme for eligible borrowers. There is no proprietary technology stack, platform, or software product; the underlying infrastructure is a panel of lenders accessed via traditional brokerage relationships, with operations conducted through phone, email, and a corporate website. The firm operates as an Appointed Representative (Firm Number 956334) of AFS Compliance Limited (FCA Firm Number 625035), which provides FCA authorization and regulatory oversight, and is registered with the Information Commissioner's Office (reference ZB058458).

The revenue model is commission-based: Net Zero Asset Finance Limited receives payments from finance providers when clients enter financing agreements, with both discretionary and non-discretionary commission structures disclosed and commissions factored into customer interest rates. The go-to-market is sales-led direct outreach to SMEs, with no disclosed marketing campaigns, partnerships beyond AFS Compliance and British Business Bank, or named customer accounts. The firm is founder-owned with no institutional investors, employs 1-10 people, and discloses no revenue, funding rounds, or financial performance metrics.

Name

Net Zero Asset Finance

Legal name

Net Zero Asset Finance Limited

Website

https://netzeroassetfinancelimited.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Net Zero Asset Finance Limited is a UK-based independent asset finance brokerage arranging financing for SMEs seeking to fund green and sustainable assets across e-mobility, green energy, and recycling sectors via a panel of FCA-authorized lenders.

Ownership category

akta.pro rank

Product category

Asset Finance Brokerage

NAICS

Other Nondepository Credit Intermediation (52229)

SIC

Finance Lessors (6172)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

akta.pro secondary industry

Equipment & Asset Finance (SME) (FSAKAGAF)

Keywords

• Asset finance brokerage
• Green asset financing
• Sustainable finance solutions
• Commercial finance brokerage
• Ev financing services

Headquarters

HQ city

Covent Garden

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from Finance Providers: Net Zero Asset Finance Limited receives commission payments from finance providers when clients enter into financing agreements. They work with both discretionary and non-discretionary commission models, with commission payments factored into the interest rate charged to customers.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Net Zero Asset Finance Limited is an independent asset finance brokerage that arranges financing for green and sustainable assets and projects supporting the transition to net zero. The company connects UK SMEs with a panel of lenders and structures finance across Hire Purchase, Finance Lease, Operating Lease, and Commercial Loan products, including Recovery Loan Scheme-backed financing, focused on e-mobility, green energy, and recycling assets.

Product overview

Net Zero Asset Finance Limited operates as an independent asset finance brokerage that arranges financing for green and sustainable assets and projects. The company focuses on three key sectors: Emobility (financing electric vehicles and charging infrastructure), Green Energy (battery storage, solar, and heat pump installations), and Recycling (waste to energy and green metal plants). They offer multiple finance structures including Hire Purchase, Finance Lease, Operating Lease, and Commercial Loan, with access to the Recovery Loan Scheme through the British Business Bank. The company acts as an intermediary connecting businesses to a wide panel of lenders rather than lending directly.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset Finance Brokerage

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• AFS Compliance LimitedcoreStrategic or Co-development PartnerAFS Compliance Limited is the principal firm for which Net Zero Asset Finance Limited operates as an Appointed Representative (Firm Number 956334). AFS Compliance Limited is authorised and regulated by the Financial Conduct Authority (Firm Number 625035) and is part of the Asset Finance Solutions group. This relationship provides regulatory oversight and FCA authorization for the company's asset finance brokerage activities.

Recent moves5 records

Broad incumbents

• Triodos Bank UK: UK sustainable bank lending to businesses and projects with positive environmental impact, including renewables and energy efficiency. A larger, established sustainable-finance provider whose SME green lending activity overlaps with the demand Net Zero Asset Finance serves.
• Allica Bank: UK challenger bank providing asset finance, loans, and banking services to SMEs. Broader incumbent in the SME finance space, including some capability in equipment and vehicle finance relevant to SMEs investing in green assets.

Direct peers

• Simply Asset Finance: UK-based commercial asset finance broker arranging HP, leasing, and loan facilities for SMEs. Closely comparable business model to Net Zero Asset Finance (independent broker, multi-lender panel, commission-based revenue), although Simply is a generalist rather than green-focused.
• Clean Asset Finance: UK asset finance intermediary focused on clean technology and low-carbon assets for businesses. Comparable niche and SME target customer base, with overlap in EV and renewable energy financing.
• Better Green Finance: UK asset finance broker focused on funding green and sustainable assets for SMEs, including EVs, solar, and energy-efficiency equipment. The closest head-to-head competitor to Net Zero Asset Finance given the overlapping green-asset specialism and UK SME focus.
• Blue Orange Finance: Independent UK asset finance broker arranging hire purchase, leasing, and commercial loans for SMEs via a panel of lenders. Directly comparable broker model and customer segment; differs from Net Zero Asset Finance by serving a broader asset mix.
• Green Asset Finance Ltd: UK broker arranging finance specifically for renewable energy, energy efficiency, and low-carbon assets. Highly comparable in niche and product set, particularly on solar, biomass, and energy-saving equipment.

Others

• British Business Bank: UK government-owned development bank that administers the Recovery Loan Scheme and other SME finance programmes. Net Zero Asset Finance routes eligible deals through RLS-accredited lenders, making British Business Bank an ecosystem enabler and a structural support to the firm's product set.

Emerging players

• Zenobe: UK-based specialist in battery storage and electric transport financing and ownership. Comparable in green-asset focus (EV infrastructure, battery storage) but operates a direct financing/ownership model rather than a brokerage, making it a partial competitor and a potential lender or partner.
• Octopus Electric Vehicles: UK specialist in electric vehicle leasing and salary sacrifice for businesses. Overlaps with Net Zero Asset Finance's e-mobility segment but is a direct EV funder/lessor, not a broker, so it is an emerging adjacent player rather than a head-to-head competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/net-zero-asset-finance-limited

Compliance2 records

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 Net Zero Asset Finance