Orchard Funding Ltd

What Orchard Funding Ltd does

Orchard Funding Limited is a UK-based fee funding company that provides short-term financing solutions enabling end clients to spread one-off costs over monthly direct debit payments while the funding recipient (typically a business) receives full payment upfront. Its product portfolio spans seven core lines: Professional Fee Funding for accounting and solicitor firms (launched 2010), Insurance Premium Finance, School Fee Funding for independent schools (entered 2017), Leisure Fee Funding for golf and membership clubs (entered 2019), Holiday Homes Finance including site fees and hire purchase, Bridge Loans for short-term property financing, and Property Fee Funding. The company is a wholly-owned subsidiary of Orchard Funding Group PLC, which is listed on the London Stock Exchange (ticker OFG) and is authorized and regulated by the Financial Conduct Authority (firm reference 725315).

The business operates an online application and finance agreement generation platform combined with Open Banking integration for affordability assessments, supported by a specialist field sales team of Business Managers. Its go-to-market combines direct-to-consumer online origination with a partner-channel model that embeds Orchard Funding within insurance brokers, accounting firms, independent schools, golf clubs, and holiday parks. Revenue is generated through transaction-based fees (interest and take rates) on each funded loan, with representative APRs ranging from approximately 3.5% to 13% depending on product and term. No setup fees, annual usage targets, or practice-level qualifying criteria are charged to professional fee funding partners, which is cited as a key differentiator relative to competitors.

Orchard Funding Limited is headquartered at 222 Armstrong Road, Luton, and has operated in the short-term fee funding market for over 20 years as part of the listed parent group. Its stated management team includes CEO and Co-Founder Ravi Takhar (Oxford-educated, former Clifford Chance banking solicitor and Nikko investment banker), Business Development Director Tony Snape (formerly Lloyds, Santander, Hitachi Capital), Director of Premium Finance Sales Juan Ortiz Romero, Director & Head of Operations Emmia Stratford, and Director & Head of Finance Tanya Korenkova. The company is registered with the Information Commissioner's Office (Z1420716) for data protection compliance. Revenue is not publicly disclosed.

Name

Orchard Funding Ltd

Legal name

Orchard Funding Limited

Website

https://orchardfunding.co.uk

Company type

Public

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Specialty Finance / Fee Funding

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

akta.pro secondary industries

Overdraft & NSF Fee-Based Short-Term Credit (FSAKAMAF), Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)

Keywords

• Fee funding services
• Insurance premium finance
• Professional fee funding
• School fee funding
• Leisure fee funding

Headquarters

HQ city

Luton

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Finance: Provides financing for insurance premiums, allowing clients to spread payments
2. Professional Fee Funding: Customized financial solutions enabling accounting firms to provide extended credit to their business clients
3. School Fee Funding: Finance solutions for private school fees with recourse and non-recourse options
4. Leisure Fee Funding: Funding for membership subscriptions and club fees including golf club membership
5. Holiday Home Finance: Finance for holiday home site fees and hire purchase for holiday homes/caravans
6. Bridge Loans: Short-term property financing with first, second, or third charge options

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels5 records

Core offering

Orchard Funding Ltd provides short-term fee funding and specialty finance solutions that allow businesses and consumers to spread one-off costs (professional fees, school fees, leisure memberships, holiday home fees, insurance premiums, and bridge loan requirements) over monthly direct debit payments, while the funding recipient receives full payment upfront. Its core product is a fee funding facility — Professional Fee Funding for accounting firms — extended into School Fee Funding, Leisure Fee Funding, Holiday Homes Finance, Hire Purchase, Bridge Loans, and Insurance Premium Finance, all serviced through a fully online application and agreement generation platform.

Product overview

Orchard Funding Ltd operates as a fee funding company offering a portfolio of short-term financing solutions. The core offering is a fee funding platform that enables clients to spread one-off costs over manageable monthly payments via direct debit, while the funding recipient receives full payment upfront. The product portfolio includes Professional Fee Funding for accounting firms, School Fee Funding for private education, Leisure Fee Funding for golf clubs and memberships, Holiday Homes Finance including site fees and hire purchase, Bridge Loans for property transactions, and Insurance Premium Finance. The company provides an online system where brokers and direct customers can enter client details and generate finance agreements. The company is part of Orchard Funding Group Plc, a financial services group operating in the short-term fee funding market for over 20 years.

Differentiator

Problem solved

Functional benefit

Brands

• Orchard Professional Fee Funding: A customised financial solution that enables accounting firms to provide extended credit to their business clients, similar to insurance premium funding and leasing.

Products and services

• Professional Fee Funding A fee funding facility enabling UK accounting firms to provide extended credit to their business clients, allowing clients to spread professional fees over 3 to 12 monthly payments while the firm receives full payment upfront.
• School Fee Funding Financing solution for UK private schools and parents to spread the cost of school fees through monthly direct debit payments, offering recourse and non-recourse options for schools.
• Leisure Fee Funding Funding for UK golf clubs and leisure facilities to collect annual membership subscriptions via direct debit, with options for full settlement to clubs upfront or staged payments.
• Holiday Home Site Fees Finance Finance solution for holiday park site fees, allowing holiday home owners to spread the cost of annual site fees through monthly payments.
• Hire Purchase Finance Hire purchase financing option for holiday home purchases, enabling buyers to finance goods with terms ranging from 36 to 84 months.
• Bridge Loan Short-term bridging finance for property purchases and remortgages, supporting first, second, or third charge applications with standard, light refurbishment, or heavy refurbishment scheme types.
• Insurance Premium Finance Financing solution enabling businesses and individuals to spread the cost of annual insurance premiums over monthly payments, distributed via insurance brokers.

Quantifiable outcome

• No cost for setup for professional fee funding
• +5 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Brand Communications (Livewire)minorStrategic or Co-development PartnerAward-winning PR and integrated communications agency with a proven track record in the education and technology sectors. Strategic partnership to deliver value to the Education Sector.
• MTM (Data Analytics & Marketing)minorStrategic or Co-development PartnerFull service marketing and market research agency specialising in the education sector throughout the UK, the US and overseas. Strategic partnership for market insights and marketing services.
• Consultancy Services PartnerminorStrategic or Co-development PartnerProvides vital tools for Independent Schools as part of Orchard Funding's strategic partnerships to ensure clients benefit from best market offerings.
• Open Banking Service ProviderscoreTechnology or IntegrationOpen Banking is a secure way for consumers to share their financial information with service providers for affordability assessments in the loan application process.

Scale indicators8 records

Recent moves10 records

Expansion highlights5 records

Broad incumbents

• Funding Circle: UK-listed specialist lender to small businesses. While focused on broader SME lending rather than fee funding, comparable as a UK non-bank credit intermediary with public market presence and similar regulatory framework.
• Zopa: UK digital bank and consumer lender offering personal loans, credit cards, and savings products. Comparable as a UK FCA-authorised non-bank lender using digital origination, though focused on broader consumer credit rather than niche fee funding.
• Investec Specialist Bank: UK private bank offering specialist lending including professional fee finance and asset finance. Comparable in serving professional services clients with credit solutions, though as part of a much broader portfolio of banking and wealth services.

Direct peers

• School Fee Plan: UK specialist in school fee financing, offering monthly payment plans to parents of independent school pupils. Directly competes with Orchard's School Fee Funding vertical with similar product structure and target customers.
• Premium Credit: UK market leader in insurance premium finance and fee funding. Directly comparable to Orchard's insurance premium finance and professional fee funding products, serving insurance brokers and intermediaries across the UK with similar credit-spread business models.
• Close Brothers Premium Finance: Subsidiary of Close Brothers Group providing premium finance and fee funding solutions to insurance brokers and professional firms in the UK. Closely aligned with Orchard's professional fee funding and insurance premium finance offerings.
• BFS (Brokers Fee Funding Solutions): UK specialist fee funding provider serving professional services firms and brokers. Closely comparable niche credit intermediary business model to Orchard Funding's professional fee funding facility.
• First Rate (premium finance): UK specialist premium finance provider offering brokers the ability to offer premium and fee finance to their clients. Directly comparable to Orchard in the insurance and fee funding credit intermediation space.
• Premium Plan: UK insurance premium finance specialist offering brokers the ability to spread premium costs via monthly instalments. Competes directly with Orchard's insurance premium finance product.

Emerging players

• Lendable: UK fintech offering consumer and education loans including school fee financing. Comparable to Orchard in offering fee funding through digital channels, though with a broader consumer lending portfolio and heavier technology focus.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ChristopherMey3
• Facebookfacebook.com/pages/category/Loan-Service/Orchard-Funding-738371339519652
• LinkedInlinkedin.com/company/orchard-funding-ltd

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Orchard Funding Ltd