Complete Commercial Finance Limited

What Complete Commercial Finance Limited does

Complete Commercial Finance Limited is an independent UK commercial finance brokerage founded in 2020 in King's Lynn, Norfolk, by directors Karl Lanham and Michael Moore. The firm connects small and medium-sized enterprises (SMEs) with lenders across asset finance, business loans, commercial mortgages, working capital, invoice discounting, vehicle finance, property development and investment finance, property development and investment finance, trade finance, merchant cash advance and cashflow facilities, drawing on a panel of more than 100 lenders including specialist providers for complex applications. It operates as an Appointed Representative of AFS Compliance Ltd under FCA authorisation (FRN: 625035) and holds the 2025 Synergy Standard accreditation.

The business is relationship-led rather than technology-led: there is no proprietary platform, no API, no mobile app and no AI tooling. Distribution is executed face-to-face and by phone through six regionally-aligned advisers covering Norfolk, Suffolk, Essex, Cambridgeshire and Lincolnshire, supported by a referral network of accountants and solicitors. Revenue is transaction-fee based, generated via commission from lenders (both discretionary and non-discretionary, typically factored into the borrower's interest rate) on successfully completed deals, with free initial consultations and no upfront advisory fees.

Over five years, the firm has arranged facilities totalling £75 million for regional businesses. Marketing is anchored in content publishing, monthly newsletters, social channels and sustained sponsorship of regional business awards and networking events (e.g., West Norfolk Mayor's Business Awards, Lynn News business survey, Business Breakfast Club Norfolk), with NACFB membership providing industry-level credibility. The firm has remained privately held by its two founders with no external institutional investment.

Name

Complete Commercial Finance Limited

Legal name

Complete Commercial Finance Limited

Website

https://ccf.finance

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Complete Commercial Finance Limited is an independent UK commercial finance brokerage founded in 2020 that arranges asset finance, business loans, commercial mortgages and working capital for small and medium-sized enterprises across East Anglia, working with a panel of more than 100 lenders.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Activities Related to Credit Intermediation (5223), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), SME Commercial Real Estate (CRE) Lending (FSABABAG), Commercial Mortgage Brokerage (FSAEAEAB), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Commercial finance brokerage
• Asset finance solutions
• Business loan advisory
• Commercial mortgage brokerage
• SME funding services

Headquarters

HQ city

King's Lynn

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Commission from Lenders: Complete Commercial Finance receives commission payments from finance providers when clients enter into finance agreements. The company works with both discretionary and non-discretionary commission models. Commission payments are factored into the interest rate clients pay.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

Complete Commercial Finance Limited is an independent UK commercial finance brokerage that helps small and medium-sized businesses secure asset finance, business loans, commercial mortgages, working capital, and specialist funding (property development, property investment, trade finance, vehicle finance, invoice discounting, merchant cash advance) through a panel of more than 100 lenders. The company provides hands-on advisory support and tailored finance solutions to UK businesses, primarily across East Anglia, earning commission from lenders upon successful arrangement of finance facilities.

Product overview

Complete Commercial Finance Limited is an independent UK commercial finance brokerage offering a comprehensive suite of funding solutions. The core product portfolio centers on asset finance, business loans, commercial mortgages, and working capital facilities, supplemented by specialist products including property development finance, property investment finance, trade finance, vehicle finance, invoice discounting, and merchant cash advance. The company structures financing through mechanisms such as hire purchase, leasing, and operating leases, providing businesses with flexible options to acquire equipment, access liquidity, and fund growth while preserving cashflow.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset Finance Finance solution enabling UK businesses to acquire equipment, machinery or vehicles through hire purchase or leasing arrangements without full initial payment, preserving working capital and capital reserves.
• Business Loans Traditional and specialist business lending solutions arranged via the company’s lender panel to support companies with funding for growth, operations and investment needs.
• Commercial Mortgages Finance solutions arranged for businesses to purchase or refinance commercial premises and property holdings, including buy-to-let and commercial investment acquisitions.
• Working Capital Financial solutions arranged to support day-to-day business operations, manage cashflow cycles and provide liquidity for immediate operational needs.
• Property Development Finance Specialist funding solutions arranged for construction projects and property development ventures.
• Property Investment Finance Finance solutions arranged for buy-to-let and commercial property investment acquisitions.
• Cashflow Finance Financial facilities arranged to help businesses maintain steady cashflow and manage the timing gap between outlaying expenses and receiving revenue.
• Trade Finance Finance solutions arranged to support import and export trading activities and international trade transactions.
• Vehicle Finance Finance solutions arranged for acquiring or upgrading commercial vehicle fleets, including cars, vans, lorries and coaches.
• Invoice Discounting Lending facility arranged through panel lenders allowing businesses to sell unpaid invoices for a cash advance, providing immediate access to funds tied up in receivables.
• Merchant Cash Advance Lump sum advance arranged through panel lenders against future card transactions, with repayments made as a percentage of daily card sales, targeted at seasonal businesses.
• Asset Refinance Using existing company assets as security for a loan arranged via panel lenders to release capital where there is sufficient equity in the asset.

Named customers6 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

Partnerships

Six partnerships are on record, tiered core and minor.

• AFS Compliance LtdcoreImplementation/ SI/ Consulting PartnerAFS Compliance Ltd is Complete Commercial Finance's Appointed Representative parent company. AFS Compliance is Authorised and Regulated by the Financial Conduct Authority (FRN 625035). They provide compliance oversight, annual audits, regulatory updates, training, and access to lender networks for their ARs including CCF.
• Synergy FinancecoreStrategic or Co-development PartnerSynergy Finance awards the Synergy Standard, a recognised mark of excellence in the commercial finance industry. Complete Commercial Finance was awarded the Synergy Standard in 2025, highlighting exceptional commitment to integrity, client care and high-quality advisory standards.
• National Association of Commercial Finance Brokers (NACFB)coreChannel Partner/ Reseller/ DistributorComplete Commercial Finance is a member of the NACFB, the trade body for commercial finance brokers in the UK. NACFB provides industry representation, resources, and networking opportunities.
• Credit Reference AgenciesminorOthersThe company undertakes credit checks using credit reference agencies including Credit Safe, Experian, and Companies House for the purposes of ascertaining customers' financial status and suitability for finance products.
• Business Breakfast Club NorfolkminorGTM or Marketing PartnerComplete Commercial Finance is a sponsor of Norfolk's Business Breakfast Club, a monthly networking opportunity held at The Warehouse Taproom Bar & Restaurant in Setchey. This community partnership supports local business networking in West Norfolk.
• Lynn NewsminorGTM or Marketing PartnerLynn News partnered with Complete Commercial Finance to support their annual Business Survey, appealing to companies to share their views on barriers to trade. This media partnership increases visibility and credibility for the company's research initiatives.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Rangewell: UK business finance broker that matches SMEs with commercial lenders across a broad panel of providers — overlap with CCF on multi-product brokerage, lender intermediation and SME customer acquisition via professional advisers.
• Hilton-Baird: UK independent commercial finance broker arranging asset finance, business loans and commercial mortgages for SMEs via a multi-lender panel — directly comparable business model, customer base and product set to Complete Commercial Finance.
• Compass Business Finance: Independent UK commercial finance broker focused on SME lending solutions across asset finance, business loans and working capital — matches CCF's brokerage model, lender-panel distribution and SME target segment.
• Henry Cobb & Co: Long-established independent UK commercial finance brokerage serving SMEs with business loans, asset finance and property-related funding — closely comparable independent broker model and customer profile to CCF.

Others

• National Association of Commercial Finance Brokers (NACFB): UK trade association representing commercial finance brokers — CCF is a member; comparable only at the industry-body level rather than as a competing business, but useful as an ecosystem peer for accreditation and standards benchmarks.

Broad incumbents

• Allica Bank: UK challenger bank serving established SMEs with asset finance, business loans and commercial mortgages — competes in the same SME funding categories CCF brokers, reducing broker demand.
• OakNorth Bank: UK challenger bank lending directly to SMEs and scaling property developers — overlaps with CCF on commercial mortgages and development finance but distributes direct rather than through brokers.
• Bibby Financial Services: Large UK provider of invoice finance, asset finance and broader commercial lending to SMEs — competes with CCF in working capital and asset finance but operates as a principal funder with broader scale and product set.
• Funding Circle: UK digital SME lender providing business loans and working capital directly to SMEs — competing with CCF for the same SME borrower set but bypassing the brokerage layer, posing disintermediation risk.
• Lloyds Bank Commercial Banking: UK incumbent commercial bank offering business loans, commercial mortgages and asset finance to SMEs — a major lender on CCF's panel and a competing direct distribution channel for SME clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CCF_Finance
• Facebookfacebook.com/ccf.finance
• LinkedInlinkedin.com/company/complete-commercial-finance-limited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Complete Commercial Finance Limited