Boss Asset Finance

What Boss Asset Finance does

Boss Asset Finance Ltd is a UK-based credit broker (not a lender) founded in 2018 and headquartered in Stamford. The company introduces SME businesses to a panel of lenders and earns commission on completed introductions, charging a 1% broker fee against a stated industry average of 4%. Its core product set spans hire purchase, finance leasing, vehicle finance (single vehicles and fleets), refinancing, invoice financing/factoring, stocking plans (up to 150 days), business cash advances, and commercial mortgages, packaged into four vertical specializations: Logistics, Construction, Commercial, and Welfare. The welfare vertical is supported by a strategic partnership with welfare manufacturer Boss Cabins, providing exclusive finance offers to that manufacturer's customer base. The business is family-owned and operates with a small team of 1-10 employees, with named key personnel including Trevor Jacobs (Chartered Accountant, 33+ years of cross-industry experience) and Matthew Wordsworth (manufacturing/operational background). GTM is consultative and sales-led, executed via phone outreach, website quote forms, and a quote-beating proposition that claims to undercut competing brokers 99% of the time. The company has no proprietary technology platform beyond a basic finance calculator, no disclosed AI/ML capabilities, no public funding, and is recognized regionally as Vehicle Finance Experts of the Year 2024 – East Midlands. The core commercial differentiator is transparent pricing (1% vs 4%) combined with a relationship-led approach targeting SMEs that face high rejection rates or high borrowing costs in the mainstream market.

Name

Boss Asset Finance

Legal name

Boss Asset Finance Ltd

Website

https://bossassetfinance.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Boss Asset Finance is a UK-based credit broker founded in 2018 that introduces SMEs to a lender panel for asset finance, vehicle finance, commercial mortgages, and invoice financing, charging a 1% broker fee versus a 4% industry average. The firm serves logistics, construction, commercial, and welfare verticals, with a strategic partnership with Boss Cabins.

Ownership category

akta.pro rank

Product category

Asset Finance Brokerage

NAICS

Sales Financing (52222)

SIC

Loan Brokers (6163)

akta.pro primary industry

Equipment & Asset Finance Brokerage (FSAEAEAJ)

akta.pro secondary industry

Equipment & Asset Finance (SME) (FSAKAGAF)

Keywords

• Asset finance brokerage
• Vehicle finance
• Commercial mortgages
• Invoice financing
• Hire purchase leasing

Headquarters

HQ city

Stamford

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission: Boss Asset Finance earns commission from lenders on their panel for introducing customers. Commission is calculated as a percentage of the total amount of credit provided. The company charges 1% broker fee compared to the industry average of 4%, with commission added to the total interest on financed agreements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Boss Asset Finance is a UK credit broker (not a lender) that introduces SME businesses to a panel of lenders for asset and vehicle finance, hire purchase and finance leasing, refinancing, invoice financing/factoring, stocking plans, business cash advances and commercial mortgages. The firm charges a 1% broker commission versus the 4% industry average and specializes in arranging finance for logistics, construction, commercial and welfare-sector businesses, including those with adverse credit or at startup stage.

Product overview

Boss Asset Finance is a credit broker offering a comprehensive asset finance platform with multiple financing products. The core offerings include Hire Purchase & Finance Leasing, Vehicle Finance, Refinancing, Invoice Financing/Factoring, Stocking Plans, Business Cash Advance, and Commercial Mortgages. These products are delivered through specialised industry verticals (Logistics, Construction, Commercial, and Welfare) and complemented by the BAF 1% Club membership program offering reduced commission rates. The company differentiates through transparent pricing, a 1% broker fee model versus the industry average of 4%, and strategic partnerships with lenders on their panel.

Differentiator

Problem solved

Functional benefit

Products and services

• Hire Purchase & Finance Leasing Financing options that allow UK SMEs to acquire new or used equipment by spreading costs over a contracted period. Hire purchase transfers ownership at the end of the term; leasing does not require ownership or an upfront deposit.
• Vehicle Finance Financing for single company cars or entire fleets of cars, vans, taxis or trucks, available for internal use or as part of a hire fleet.
• Refinancing Restructures existing finance agreements to reduce monthly payments and improve cash flow, or releases cash from assets free of finance for reinvestment into the business.
• Invoice Financing/Factoring Provides a cash injection against outstanding invoices for businesses facing extended customer credit terms or time spent chasing debts rather than increasing sales.
• Stocking Plans Flexible financing for businesses buying and reselling high-value items such as plant equipment or vehicles, allowing dealers up to 150 days to realise item sales.
• Business Cash Advance

Quantifiable outcome

• 75% cheaper commission fees compared to average broker
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 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.

• Boss CabinscoreStrategic or Co-development PartnerStrategic partnership with Boss Cabins, a welfare manufacturer. Boss Asset Finance offers exclusive competitive finance rates for Boss Cabins products including mobile, static, and Deep Green eco-friendly welfare cabins. This partnership represents a core business focus area with specialist finance offerings for the welfare sector.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Allica Bank: UK challenger bank focused on SME lending and asset finance. Comparable customer segment (established SMEs) but operates as a direct lender rather than a broker, representing a potential disintermediation threat to BAF.
• Together Money: UK specialist finance provider offering secured lending, bridging, and asset finance. Larger incumbent with direct lending capability, comparable in serving SMEs and adverse-credit borrowers that BAF also targets.
• British Business Bank: UK government-backed economic development bank focused on improving SME access to finance. Comparable customer focus but operates at much greater scale and is policy-driven; relevant as a backer of many alternative lenders BAF works with.
• White Oak UK: Established UK asset finance provider (both direct lender and broker) serving SMEs with hire purchase, leasing, and commercial loans. Larger incumbent with broader product set; comparable in asset finance focus but operates with direct balance sheet lending alongside brokering.

Emerging players

• Funding Circle UK: UK SME lending platform providing business loans through a digital, technology-led model. Comparable customer segment but operates with technology differentiation and direct balance sheet lending—representing the fintech model that could disrupt traditional brokers like BAF.

Direct peers

• Asset Funding Solutions: UK-based asset finance broker providing hire purchase, leasing, and refinancing for SMEs. Comparable scale and product offering with similar lender-panel intermediation model.
• Asset Advantage: UK-based asset finance broker arranging finance for businesses, with a similar consultative, panel-of-lenders model and SME focus. Directly comparable business model and customer profile to Boss Asset Finance.
• Every Asset Finance: UK asset finance broker offering hire purchase, leasing, and refinancing solutions to SMEs across multiple verticals. Comparable in scale, model, and customer segment to BAF.
• Blink Asset Finance: UK asset finance broker serving SMEs with vehicle and equipment finance solutions. Comparable customer base and intermediation model with a panel of lenders.
• WestWon: UK asset finance broker arranging leasing and finance for commercial equipment, vehicles, and technology. Comparable in product breadth and SME-targeting approach.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/boss-asset-finance
• Facebookfacebook.com/bossassetfinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Boss Asset Finance