Reach Commercial Finance

What Reach Commercial Finance does

Reach Commercial Finance Limited is a UK commercial finance brokerage operating under the Leonard Curtis trading style, headquartered in Manchester with additional offices across London, Birmingham, Leeds, Yorkshire, Liverpool, Loughborough, and Thames Valley. The company is authorised and regulated by the Financial Conduct Authority (FRN: 753686) as a credit broker — explicitly not a lender — and operates as a Master Broker, supporting both direct SME/mid-market clients and referring brokers with access to an unrestricted network of lenders and rates that are often inaccessible to all brokers. Its product portfolio spans four lines: Commercial Finance Brokerage (core), Structured Debt Solutions (bespoke debt structures), Business Advisory (creditor/HMRC negotiations, cash flow analysis, ongoing monitoring), and the acquired Newsource brand. Revenue is generated through lender-paid commissions (fixed fee, fixed rate, percentage of borrowing, or rate-for-risk models) plus advisory professional-services fees, with deal sizes evidenced from £1.5M to £15M.

The business is part of the broader Leonard Curtis Group (parent LCBSG Limited, founded 1995, previously known as Graywoods until November 2023), which provides cross-sell optionality into restructuring, insolvency, legal, and M&A advisory services across the UK SME lifecycle. Reach CF sits within the group's funding vertical, alongside Leonard Curtis Legal Limited (wholly owned subsidiary). Distribution is hybrid: direct engagement with mid-market clients plus a channel partner/referral-broker network. Marketing is content- and event-led, leaning on published case studies, NACFB and other industry awards, and speaking engagements at NACFB Funding for Growth events.

The group's growth posture is active: in late 2024 it acquired Newsource Commercial Finance and a majority stake in a Global Talent Network, opened a Thames Valley office in November 2025, and completed a majority-stake sale to new investors in August 2025. A June 2026 product launch introduced an AI-powered AML and client onboarding process. Underlying core technology and proprietary platform architecture are not disclosed in the source material beyond the AI AML feature; tech stack details are sparse.

Name

Reach Commercial Finance

Legal name

Reach Commercial Finance Limited

Website

https://reachcf.co.uk

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Reach Commercial Finance is a UK FCA-authorised commercial finance broker and Master Broker, trading as Leonard Curtis, serving UK SMEs and mid-market businesses with brokerage, structured debt, and advisory services across an unrestricted lender network.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Commercial finance brokerage
• Structured debt solutions
• Debt advisory services
• Property finance master broker
• Business advisory services

Headquarters

HQ city

Bristol

HQ country

United Kingdom

HQ region

Europe

Offices12 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commercial Finance Brokerage: Acts as an authorised credit broker, not a lender, brokering financing solutions between UK SMEs/mid-market clients and lenders. Receives commission from lenders through various models including fixed fee, fixed rate of commission, percentage of amount borrowed, and rate for risk.
2. Debt Advisory Services: Provides debt advisory services including financing structure consulting, facility reviews, and creditor negotiations including HMRC negotiations.
3. Business Advisory: Offers business advisory services including cash flow analysis, ongoing monitoring, and financial sustainability consulting.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Reach Commercial Finance operates as an FCA-authorized independent commercial finance brokerage and Master Broker, brokering financing between UK SMEs/mid-market clients and an unrestricted network of lenders. Core offerings include commercial finance brokerage, structured debt solutions, business advisory (including creditor/HMRC negotiations and cash flow analysis), and the acquired Newsource commercial finance offering.

Product overview

Reach Commercial Finance operates as a unified commercial finance platform offering a portfolio of interconnected funding services. The core offerings include Commercial Finance Brokerage (positioned as a Master Broker providing access to an unrestricted network of lenders), Structured Debt Solutions (bespoke debt financing), Business Advisory (including HMRC negotiations, cash flow analysis, and monitoring), and Newsource (an acquired brand that strengthens their commercial finance capabilities). The company serves UK SMEs and mid-market businesses, positioning itself as a Property Finance Master Broker and delivering tailored financing solutions throughout the business lifecycle.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Finance Brokerage Master Broker service connecting brokers and their SME clients with lenders and financing solutions, providing access to rates and lending options not typically available to all brokers. The service works with an unrestricted network of lenders including challenger banks to find suitable financing arrangements for UK SMEs and mid-market clients.
• Structured Debt Solutions Customized debt financing structures for businesses, including bespoke arrangements tailored to specific business needs and growth requirements. Designed for UK SMEs and mid-market clients requiring structured debt solutions.
• Business Advisory Advisory services including debt advisory for growth and acquisitions, comprehensive facility reviews, creditor negotiations, HMRC negotiations, business cash flow analysis, and ongoing monitoring to optimize cash flow, mitigate insolvency risk, and ensure financial sustainability.
• Newsource Commercial Finance Commercial finance offering acquired by Leonard Curtis to expand the funding and advisory services portfolio, offering specialist commercial finance brokerage solutions under the existing brand.

Quantifiable outcome

• 157 Time to Pay arrangements agreed in 2024
• +1 more outcomes

Named customers24 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Partnerships

Four partnerships are on record, tiered core.

• Global Talent NetworkcoreStrategic or Co-development Partner · 1 November 2024Leonard Curtis acquired a majority stake in a global talent network in November 2024, expanding capabilities and reach.
• Newsource Commercial FinancecoreStrategic or Co-development Partner · 1 October 2024Leonard Curtis invested in funding and advisory services with acquisition of Newsource Commercial Finance in October 2024. Newsource was also commended in Business Moneyfacts Awards 2025.
• NACFBcoreOthersLeonard Curtis is a member of the National Association of Commercial Finance Brokers (NACFB), participating in industry events and awards.
• Unrestricted Lender NetworkcoreChannel Partner/ Reseller/ DistributorWorks with an unrestricted number of lenders including challenger banks to find potentially suitable financing arrangements for clients. Different lenders pay different commission models.

Scale indicators8 records

Recent moves11 records

Expansion highlights5 records

Broad incumbents

• Funding Circle: UK direct digital lender to SMEs; represents a structural alternative to broker intermediation and is a source of disintermediation risk for Reach's value proposition.
• Together Money: UK specialist lender offering commercial, property, and development finance directly to SMEs and intermediaries; overlaps with Reach's customer segments and is a frequent panel lender for Master Brokers.
• Bibby Financial Services: Established UK provider of invoice finance, asset-based lending, and commercial finance to SMEs; competes with Reach both as an alternative funding source and as a panel lender partner.
• MarketFinance: UK fintech lender providing working capital, invoice finance, and business loans directly to SMEs; competes with Reach on speed of access to capital while operating outside the traditional broker channel.
• Aldermore: UK challenger bank providing commercial mortgages, asset finance, and SME lending; an established panel lender partner for Master Brokers and a competitor for direct SME relationships.

Direct peers

• Rangewell: UK business finance broker matching SMEs with lenders across commercial, property, and asset finance products; competes head-to-head with Reach on multi-lender panel access and broker intermediation.
• Capitalise: UK business finance marketplace and broker platform connecting SMEs to lenders and brokers, operating an intermediation model that overlaps directly with Reach's commercial finance brokerage.
• Clifton Private Finance: UK commercial and property finance broker serving SMEs and intermediaries, operating on a Master Broker / multi-lender panel model directly comparable to Reach Commercial Finance.
• Praetura Commercial Finance: UK commercial finance provider to SMEs and mid-market businesses offering structured debt and growth capital; directly comparable to Reach's structured debt solutions and mid-market advisory proposition.
• SME Loans: UK commercial finance broker for SMEs offering access to a multi-lender panel including challenger banks and alternative funders; comparable customer base and product set to Reach Commercial Finance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/reachcf
• LinkedInlinkedin.com/company/leonard-curtis-business-solutions-group

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Reach Commercial Finance