Audeo Financial Services

Name

Audeo Financial Services

Legal name

Audeo FS Limited

Website

https://audeofs.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Audeo Financial Services is a UK-based credit broker that arranges asset finance and business loans through a panel of lenders for small and medium businesses and individual consumers, operating from its Norwich, Norfolk headquarters.

Ownership category

akta.pro rank

Product category

Asset Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Asset finance brokerage
• Business lending
• Vehicle financing
• Invoice finance
• Credit broker

Headquarters

HQ city

Norwich

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission: Audeo FS operates as a credit broker, not a lender. They earn commission from lenders on the finance products they arrange. Commission structures include fixed fees or fixed percentages of the amount borrowed, varying by lender. They do not charge fees for their brokerage service to customers.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Audeo FS Limited is a UK credit broker (not a lender) that intermediates asset finance and business loans between customers and a panel of lenders. It offers Hire Purchase, Personal Contract Purchase (PCP), Refinance, Finance Lease, Business Loan, Contract Hire, and Invoice Finance products for SMEs and individuals acquiring vehicles, plant, machinery, and equipment. The company earns commission from lenders rather than charging fees to customers.

Product overview

Audeo Financial Services is a credit broker offering a comprehensive suite of asset finance products designed for both businesses and individuals. Their portfolio comprises seven distinct finance solutions: Hire Purchase, Personal Contract Purchase (PCP), Refinance, Finance Lease, Business Loans, Contract Hire, and Invoice Finance. These products work together as a coordinated offering, enabling customers to acquire, refinance, or lease assets ranging from vehicles to plant and machinery to equipment. The company acts as an intermediary, introducing customers to a panel of lenders to find the best rates and terms suited to their needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Hire Purchase Hire purchase contracts allow businesses and individuals to purchase essential equipment and vehicles without using cash reserves. Customers pay monthly or quarterly, spreading the cost with terms that suit their business, and own the asset at the end of the finance period. Offers fixed or variable rate contracts with flexible repayment structures.
• Personal Contract Purchase (PCP) Personal Contract Purchase is a vehicle financing option allowing customers to spread costs over time with smaller initial deposits and lower monthly payments. At the end of the agreement, customers can pay a balloon final payment (GMFV) to own the asset, hand it back, or trade it in for a replacement.
• Finance Lease Finance Lease is a flexible leasing arrangement to fund the use of vehicles, ideally suited for VAT-registered businesses. The leasing company hires the vehicle to the customer for an agreed period for an agreed monthly sum. At end of agreement, the customer may sell the vehicle as an agent of the lessor.
• Business Loan Business loans provide companies with capital for growth, cash flow management, and opportunity seizure. They offer access to capital quickly for purchasing inventory, investing in technology, or responding to demand increases, while also bridging cash flow gaps during slower periods.
• Contract Hire Contract Hire is a vehicle leasing option for businesses where customers choose a vehicle, use it for a set period and anticipated mileage, then return it to the leasing company. The lessee pays fixed monthly rentals and is not responsible for disposal or sale price of the vehicle at end of contract.
• Refinance Asset refinancing allows businesses to use existing assets as collateral to secure a new loan or restructure existing debt. This can improve cash flow by securing lower interest rates or longer repayment terms, reducing monthly payments and consolidating multiple debts into a single payment.
• Invoice Finance Invoice finance enables businesses to unlock funds tied up in unpaid invoices, providing access to up to 90% of invoice value almost immediately. Includes both factoring (where provider manages sales ledger and credit control) and discounting (where customer retains control of sales ledger and customer relationships).

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Funding Options: UK business finance broker connecting SMEs to lenders across a wide product range including asset finance, loans, and invoice finance. Direct competitor in the UK SME finance-brokerage space.
• Jigsaw Finance: UK asset and personal finance broker offering HP, PCP, and personal loans via a panel of lenders. Direct peer with similar customer base and intermediary commission model.
• ClearLane Finance: UK asset finance broker arranging vehicle and equipment finance for consumers and businesses through lender partnerships. Highly comparable to Audeo's Hire Purchase and Contract Hire offering.
• Compass Business Finance: Commercial finance broker arranging asset finance, business loans, and invoice finance for UK SMEs. Direct competitor in the same horizontal SME-brokerage segment.
• Oodle Finance: UK asset and personal finance broker arranging consumer and SME asset finance through a lender panel. Closely comparable business model to Audeo, with a no-customer-fee commission model and personal case-management style service.
• Capify: Online business finance broker focused on working capital and loans for UK SMEs. Comparable intermediary role between SMEs and lenders, with technology-enabled origination.

Broad incumbents

• Novuna Personal Finance: Large UK personal-finance and motor-finance provider (formerly Hitachi Capital). Sits on lender panels for HP, PCP, and personal loans and competes indirectly with brokers for direct customer relationships.
• Together Money: UK specialist lender offering secured and asset-backed finance, frequently used by brokers. Overlaps with Audeo's asset-finance and refinance products, though Together is a funder rather than intermediary.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AudeoFS
• LinkedInlinkedin.com/company/audeo-financial-services
• Instagraminstagram.com/audeofs

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Audeo Financial Services