CBS Finance

Name

CBS Finance

Legal name

Commercial Business Solutions LTD

Website

https://cbsfinance.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Salisbury

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission: CBS Finance acts as an intermediary/broker introducing borrowers to specialist lenders. They earn commission from lenders for successful introductions and loan placements. The company does not lend directly but facilitates financing arrangements between borrowers and lending partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

CBS Finance operates as a finance broker in the United Kingdom, connecting small businesses, property developers, and investors with an extensive panel of specialist lenders. The firm arranges products including development finance, bridging finance, invoice finance, small business loans, merchant cash advances, business acquisition finance, and asset finance. They act as an intermediary rather than a direct lender, earning broker commission from lending partners for successful loan introductions.

Product overview

CBS Finance operates as a financial broker offering a portfolio of specialized lending products. The core offerings include Development Finance, Bridging Finance, Invoice Finance, Small Business Loans, Merchant Cash Advances, Business Acquisition Finance, and Asset Finance. These products are designed to serve small businesses and property investors who may not qualify for traditional high street bank financing, with the company acting as an intermediary connecting clients with an extensive panel of specialist lenders.

Differentiator

Problem solved

Functional benefit

Products and services

• Development Finance Short-term loans for property development and refurbishment projects, including light refurbishment, heavy refurbishment, and ground-up works. CBS Finance can arrange up to 100% of required funding in excess of £25,000. Targeted at property developers and investors.
• Bridging Finance Property-secured short-term loans typically lasting 6-18 months, used to bridge gaps between property sales and purchases. Interest and fees are added to the loan amount and repaid when the property is sold. Targeted at property buyers needing fast short-term funding.
• Invoice Finance Short-term funding solutions allowing businesses to access cash tied up in unpaid invoices. Advances typically range from 70-90% of invoice value, with the balance paid upon settlement. Targeted at small businesses needing working capital.
• Small Business Loans Finance products for small businesses including secured and unsecured loans, government-backed startup loans, and peer-to-peer lending options to meet various business funding needs. Targeted at SMEs and startups.
• Merchant Cash Advances Short-term capital injections secured against future credit and debit card sales. Repayments are made as a percentage of daily card transactions rather than fixed monthly amounts. Targeted at retail and hospitality businesses with regular card takings.
• Business Acquisition Finance Specialized financing products for buying or acquiring businesses, including secured and unsecured loans, private equity opportunities, and access to government grant funding. Targeted at entrepreneurs and investors acquiring businesses.
• Asset Finance Lending arrangements utilising existing business assets (machinery, equipment, vehicles) to access finance or acquire new assets. Includes hire purchase, refinancing, finance leases, and operating leases. Targeted at businesses needing equipment financing.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• IFA and Mortgage Consultant PartnerssupportingChannel Partner/ Reseller/ DistributorCBS Finance operates a referral scheme for Independent Financial Advisers (IFAs) and mortgage consultants. Intermediaries with portfolios of business clients can refer clients with commercial lending requirements including invoice factoring, merchant advances, and small business loans. Commission rates are available for successful referrals.

Scale indicators2 records

Recent moves2 records

Expansion highlights3 records

Direct peers

• Sourced Capital: UK broker network introducing commercial borrowers to a panel of lenders across property and business finance — directly comparable intermediary model to CBS Finance.
• Clifton Private Finance: UK specialist finance broker arranging bridging, development, and commercial mortgages for property investors and SMBs — same niche and intermediary model as CBS Finance.
• Alternative Bridging: UK specialist broker focused on bridging and short-term property finance — a tight competitor for the bridging and development finance placements that CBS arranges.
• Funding Options: UK online business finance marketplace matching SMB borrowers to a lender panel across business loans, asset finance, and invoice finance — same broker/intermediation role as CBS Finance but delivered via a digital platform.
• Rangewell: UK commercial finance broker connecting SMBs and property developers with lenders across business loans, asset finance, and bridging — near-identical product set, customer base, and broker intermediary model to CBS Finance.
• Nucleus Commercial Finance: UK commercial finance broker arranging business loans, asset finance, and property finance for SMBs — overlapping product range and target customers with CBS Finance.
• Vantage Finance: UK commercial finance broker arranging asset finance, business loans, and invoice finance for SMBs — overlapping customer segments and product range with CBS Finance.

Broad incumbents

• Funding Circle: UK-listed SMB lending platform offering business loans directly to borrowers — broader scale and direct-to-customer model competing for the same end clients CBS Finance serves.
• Aldermore: UK challenger bank with a specialist finance division offering asset finance, bridging, and development loans to SMBs and property developers — overlaps with CBS's lender panel products and could bypass brokers via direct channels.
• Bibby Financial Services: Established UK provider of invoice finance, asset finance, and SMB lending — overlaps with CBS's invoice finance and SMB loan products at much larger scale and with direct lender capability.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/cbsfinanceb2b
• Facebookfacebook.com/cbsfinancenorthern

Revenue estimate

Valuation estimate

Number of profiles

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 CBS Finance