BizBritain

What BizBritain does

BizBritain Finance Limited is a UK FCA-authorised commercial finance brokerage operating as a credit broker (not a lender) since 2012, founded by Matt Gubba in Marlow and now headquartered in Canary Wharf, London. The company introduces UK small businesses and aspiring founders to three funding products: government-backed Start Up Loans (£500–£25,000 at 7.5% fixed) delivered as an official Business Support Partner of the British Business Bank; Growth Finance (£25,000–£10,000,000) covering term loans, asset finance, invoice finance, and commercial mortgages; and Acquisition Finance (£25,000–£10,000,000) for trade purchases, MBOs, MBIs, partner buy-outs, franchise deals, and buy-and-build strategies. Applications are routed through a panel of 100+ specialist lenders, with Growth Guarantee Scheme-backed facilities included.

Revenue is generated through two main mechanisms: a fixed £524 payment from the British Business Bank for each completed Start Up Loan application, and marginal-rate advisory fees (3% down to 1.25%) on growth and acquisition finance arrangements, with retainers of £500–£5,000 credited at completion and success fees paid only on drawdown. Acquisition mandates carry stage-dependent abort fees. The technology stack centres on a sales-led, named-advisor model augmented by two AI-assisted digital tools — MyPlan, which generates business plan workbooks from questionnaire input, and a 60-second no-credit-check Eligibility Checker. Go-to-market combines content marketing (downloadable guides, newsroom stories), Trustpilot-driven social proof (2,034 five-star reviews), direct phone/WhatsApp/email enquiry, and the British Business Bank partner referral pathway. As of 2026 the company reports having funded 10,000+ UK businesses and facilitated £125M+ in cumulative lending across all four UK nations, operated by a lean nine-person founder-led team.

Name

BizBritain

Legal name

BizBritain Finance Limited

Website

https://bizbritain.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

BizBritain is an FCA-authorised UK credit brokerage that helps first-time founders, growth-stage SMEs, and business acquirers access Start Up Loans (£500–£25k), Growth Finance (£25k–£10m), and Acquisition Finance (£25k–£10m) through a panel of 100+ specialist lenders.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

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

Keywords

• Commercial finance brokerage
• Business loan advisory
• Startup loan brokerage
• Acquisition finance services
• Credit brokerage services

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Client Advisory Fees: Marginal-rate advisory fees charged directly to clients for arranging finance. The fee schedule applies to growth and acquisition finance: 3% on first £250,000, 2.5% on £250,001-£500,000, 2% on £500,001-£1,000,000, 1.5% on £1,000,001-£5,000,000, and 1.25% on £5,000,001-£10,000,000. Retainers from £500 to £5,000 are credited at completion. Success fee only payable on drawdown.
2. Start Up Loans Scheme Payment: Fixed £524 payment from the British Business Bank's Start Up Loan scheme on each completed application. This is a scheme-defined commercial term, not advisory commission, and is the same fixed amount regardless of lender or product. Clients pay £0 for this.
3. Acquisition Finance Abort Fees: Stage-dependent abort fees for acquisition mandates when deals terminate after credit-approved offers are issued: 0.5% of facility at Stage 2 (capped at 33% of success fee), 1.0% at Stage 3 (capped at 50%). No abort fee if no credit-backed offers secured.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

BizBritain is an FCA-authorised credit broker (not a lender) that arranges business finance for UK entrepreneurs across three product lines: government-backed Start Up Loans (£500–£25,000 at 7.5% fixed), growth finance (£25,000–£10,000,000 routed through 100+ specialist lenders), and acquisition finance (£25,000–£10,000,000 for trade purchases, MBOs, MBIs, partner buy-outs, franchise purchases, and buy-and-build strategies). Each applicant is assigned a named advisor who manages the end-to-end case from enquiry to drawdown, supported by an AI-powered business planning tool and a no-credit-check eligibility checker.

Product overview

BizBritain operates as a specialist FCA-authorised commercial finance brokerage and British Business Bank business support partner, offering three core funding products (Start Up Loans, Growth Finance, and Acquisition Finance) supported by digital tools and educational resources. Start Up Loans provide government-backed funding of £500–£25,000 for new businesses with AI-assisted application preparation via MyPlan. Growth Finance (£25,000–£10m) and Acquisition Finance (£25,000–£10m) are delivered through a panel of 100+ specialist lenders via a single-application model. The product ecosystem includes eligibility assessment tools, business planning resources, and a named advisor model throughout the application process.

Differentiator

Problem solved

Functional benefit

Brands

• MyPlan: AI-powered business planning tool that helps founders build their Start Up Loan application workbook by asking simple questions about their business.

Products and services

• Start Up Loans

Quantifiable outcome

• 10,000+ UK businesses funded since 2012
• +4 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature2 records

Partnerships

Four partnerships are on record, tiered core and supporting.

• British Business Bank (Start Up Loans Programme)coreStrategic or Co-development Partner · 1 January 2013bizbritain is an official Business Support Partner of the British Business Bank's Start Up Loans scheme. The scheme, initiated by Lord Young and since lending more than £1bn to UK startups, provides government-backed loans of £500-£25,000 to first-time founders. bizbritain operates as one of the business support partners nationwide, delivering Start Up Loans and Growth Guarantee Scheme finance.
• Start Up Loans Company (SULCo)coreStrategic or Co-development PartnerThe Start Up Loans Company is a subsidiary of the British Business Bank and administers the Start Up Loans scheme. The Enterprise Growth Fund Limited is the creditor for bizbritain Start Up Loans (Company Registration Number 04460763, FCA FRN 727252). bizbritain shares customer data with SULCo to register initial interest.
• GC Business FinancesupportingStrategic or Co-development PartnerReferenced as a funding and programme partner alongside lenders and The Start Up Loans Company. Part of the ecosystem of partners that bizbritain may share customer data with for programme purposes.
• 100+ Specialist Lenders PanelcoreChannel Partner/ Reseller/ DistributorPanel of 100+ specialist lenders including challenger banks, tier-one banks, specialist funds, asset financiers, invoice financiers, bridging providers, trade finance, and commercial mortgage lenders. bizbritain routes applications to credit teams most likely to approve after pre-qualification. Panel includes GGS-accredited lenders for Growth Guarantee Scheme facilities.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Capify: UK alternative business finance provider offering loans and merchant cash advance to SMBs. Comparable customer segment and product range to bizbritain's growth finance offering.
• Rangewell: UK whole-of-market business finance broker arranging loans, asset finance, and invoice finance for UK businesses through a specialist lender panel. Closely comparable broker-led model targeting growth-stage SMBs.
• iwoca: UK fintech providing working capital and small business loans up to £1m directly to SMBs. Highly comparable to bizbritain's growth-finance focus on underserved UK SMBs, with overlapping target customers and similar deal sizes.
• Liberis: UK-headquartered revenue-based financing provider for SMBs, including e-commerce and SaaS merchants. Comparable on small-ticket SMB funding focus, though operating as a direct funder rather than a broker.
• OakNorth Bank: UK specialist lender focused on SMB and mid-market business loans, including property-backed and acquisition finance. Direct comparable on the £25k–£10m acquisition and growth finance segments bizbritain brokers into.
• Sonovate: UK fintech focused on invoice and recruitment financing for SMBs and agencies. Comparable target segment and overlap with bizbritain's invoice finance offering within growth finance.
• Bibby Financial Services: UK-based invoice finance, asset finance, and commercial lending provider for SMBs. Comparable on the invoice and asset finance segments of bizbritain's growth finance offering, though operating as a direct funder.

Broad incumbents

• Funding Circle: Established UK SMB lending platform operating across business loans and asset finance with both broker and direct origination. Broadly comparable in serving UK SMB credit demand, although operating a lending marketplace rather than a pure brokerage model.
• Starling Bank: UK challenger bank offering business banking and increasingly direct SMB lending products. Comparable only insofar as serving the same UK SMB customer base, though operating a much broader banking franchise rather than a specialist brokerage.

Emerging players

• Tide: UK digital business banking platform increasingly moving into embedded SMB lending and credit products. Comparable target market of UK small businesses, with overlapping ambitions in serving founders who are underserved by high-street banks.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bizbritain

Compliance2 records

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 BizBritain