What TSF Finance does

TSF Finance Limited is a UK-based commercial finance brokerage founded in 2019 and headquartered at 69 St. Vincent Street, Glasgow. The company is authorised and regulated by the Financial Conduct Authority (FRN: 842682) as a credit broker, not a lender, and introduces SME clients to a panel of lenders across invoice finance, asset finance, VAT loans, commercial mortgages, bridging finance and unsecured loans. Its core invoice finance offering includes confidential invoice financing and full factoring sub-products, with up to 90% of outstanding invoice value advanceable to clients. TSF Finance targets small and medium-sized enterprises across the UK that face difficulty accessing traditional bank financing, including businesses with low credit scores or limited operating history. Customers span construction, transportation, hospitality, engineering, water treatment, facilities management and other SME verticals, with individual facility sizes ranging from £55,000 to £340,000.

The firm operates a sales-led go-to-market motion built on direct broker consultation, website enquiry forms and referral-driven networking (including BNI groups), supported by a content marketing blog and organic social presence on LinkedIn, Facebook and Twitter. Revenue is generated entirely through commission paid by lenders, calculated as a percentage of the amount borrowed, with rates varying by lender. Reported scale signals include 320+ deals closed in the trailing twelve months and a 20% year-over-year revenue increase disclosed at the 2024 NACFB Commercial Broker Awards, where the company won Factoring & Invoice Discounting Broker of the Year for the third time in four years and the SME Champion award.

TSF Finance has no proprietary technology stack, API or software products; deal processing relies on standard business software. The company's competitive position rests on a team with over 100 years of combined financial-sector experience, multi-year NACFB award recognition, a broad lender panel and a high-touch advisory model in which funding partners and key account managers work directly with SME owners across the full consultation-to-approval cycle.

Name

TSF Finance

Legal name

TSF Finance Limited

Website

https://tsffinance.co.uk

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• Commercial finance broker
• SME lending solutions
• Invoice financing services
• Asset finance broker
• Bridging loan broker

Headquarters

HQ city

Glasgow

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. Commission from lenders: TSF Finance acts as a credit broker and earns commission from lenders on their panel. The commission is calculated as a percentage of the amount borrowed. Different lenders pay different amounts depending on their commission models. The company discloses commission details throughout the customer journey for transparency.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

TSF Finance is a UK-based commercial finance broker that helps SMEs access business funding by matching them with a panel of lenders across invoice finance, asset finance, VAT loans, commercial mortgages, bridging finance, and unsecured loans. The firm does not lend its own capital; it earns commission from lenders on successfully placed facilities, making its service free to borrowers.

Product overview

TSF Finance is a commercial finance broker serving SMEs in the UK. The company operates as a credit broker (not a lender) that introduces customers to a panel of lenders and finance providers. The core product portfolio consists of Invoice Finance (including Confidential Invoice Financing and Full Factoring sub-products), Asset Finance, VAT Loans, Commercial Mortgage, Bridging Finance, and Unsecured Loans. The company matches businesses with suitable financing solutions from their lender panel to provide tailored funding options.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Finance

Quantifiable outcome

• Funding can be secured in a couple of days depending on customer needs
• +1 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Clifton Private Finance: UK broker arranging commercial finance, asset finance and bridging loans for SMEs and individuals. Comparable to TSF in sales-led brokerage approach and multi-product SME panel.
• Nucleus Commercial Finance: UK commercial finance broker serving SMEs with invoice finance, asset finance, and growth capital. Highly comparable to TSF in product mix, customer segment and broker-led distribution model.
• Rangewell: UK commercial finance broker matching SMEs and mid-market businesses with lenders across a multi-product panel. Comparable to TSF in broking model, panel-based sourcing and SME focus.
• UK Business Finance: UK commercial finance broker arranging asset finance, invoice finance and commercial mortgages for SMEs. Direct peer in broker-led multi-product distribution to UK SMEs.
• Business Money Plus: UK commercial finance broker offering invoice finance, asset finance, commercial mortgages and growth capital to SMEs. Direct peer in product set, customer base and lender-panel model.

Emerging players

• MarketFinance: UK-based invoice finance and business lending platform focused on SMEs. Comparable to TSF in invoice finance product focus and SME customer segment, though operating a more technology-led model.
• Iwoca: UK fintech providing flexible working capital and small business loans to SMEs. Comparable as a technology-led alternative to broker-sourced finance, addressing the same customer segment TSF serves.

Broad incumbents

• HSBC UK SME Banking: Large UK high-street bank providing SME lending and commercial mortgages. Comparable as the incumbent bank channel TSF's customers frequently seek to bypass, and an indirect competitor for SME finance demand.
• Funding Circle: UK SME finance platform offering business loans and invoice finance. Comparable as a broad incumbent addressing the same SME funding gap TSF brokers into, and a potential lender counterpart as well as a competing channel.
• Bibby Financial Services: One of the largest UK invoice finance providers and a major counterparty on broker panels. Comparable as the underlying lender-type product TSF brokers, and an incumbent anchor in the SME invoice finance space.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/LtdTsf
• Facebookfacebook.com/tsffin
• LinkedInlinkedin.com/company/tsf-finance

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 TSF Finance