A V FINANCE LTD
A V Finance Ltd is a London-based FCA-regulated credit brokerage arranging residential, buy-to-let, commercial, bridging, development, and SME commercial finance (MCA, business loans, asset finance) for UK individuals, property investors, and small businesses through a network of UK lenders.
- Company typePrivate
- Founded2020
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What A V FINANCE LTD does
A V Finance Ltd is a London-based credit brokerage that arranges — but does not lend — residential, buy-to-let, commercial, semi-commercial, and development property finance for UK individuals, property investors, and SMEs. The company operates under the AV Group umbrella alongside its wholly-owned subsidiary AV Commercial Finance Ltd, which extends the product set into merchant cash advances, business loans, revolving credit, invoice finance, asset finance, and business overdrafts. AV Commercial Finance is regulated as an Appointed Representative of The Fiducia Network Ltd (FCA FRN 917537) and is a member of the National Association of Commercial Finance Brokers, while AV Finance Ltd itself holds ICO registration ZB027265. The group's parent holding company is HK Land & Development Ltd, and a Dubai office in IFZA Business Park has been established to serve international clients.
Revenue is generated through broker/arrangement fees: mortgage arrangement fees are capped at £1,000 per loan, asset finance typically carries a fee of around 1.4% on amounts ranging from £1,000 to £10 million, and merchant cash advances (£2,500–£200,000) carry a single all-inclusive cost with no APR. The company sources deals through direct customer engagement via its website, phone, and email enquiry channels, supplemented by Trustpilot social proof, and distributes them through a network of UK commercial lenders plus integrations with YouLend and Liberis for MCA origination. The core technology consists of a WordPress marketing site with Google Analytics and Freshdesk CRM; no proprietary platform, AI tooling, or lending infrastructure is disclosed. Founder and CEO Ahmed Omar, an MBA and CeMAP-qualified advisor with 8 years in the sector, leads a team of 1–10 employees.
A V FINANCE LTD firmographics
Firmographics- Name
- A V FINANCE LTD
- Legal name
- A V Finance Ltd
- Website
- https://av-finance.co.uk
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- A V Finance Ltd is a London-based FCA-regulated credit brokerage arranging residential, buy-to-let, commercial, bridging, development, and SME commercial finance (MCA, business loans, asset finance) for UK individuals, property investors, and small businesses through a network of UK lenders.
- Ownership category
- akta.pro rank
A V FINANCE LTD industry classification
Industry- Product category
- Credit Brokerage Services
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)
- akta.pro secondary industries
- Commercial & Multifamily Correspondent Lending (FSALACAH), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where A V FINANCE LTD is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
A V FINANCE LTD business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Credit Broker Services: AV Finance operates as a credit broker earning fees for arranging mortgages and financial products for customers. The company earns arrangement fees capped at £1,000 per loan for arranging mortgages, depending on customer circumstances.
- Commercial Finance Brokering: The company arranges various commercial lending products including commercial mortgages, development finance, bridging loans, business loans, merchant cash advances, and invoice finance, earning broker fees from lenders and financial institutions.
- Merchant Cash Advance: AV Commercial Finance provides merchant cash advances where repayment is made as a percentage of card sales. The company earns a single, all-inclusive cost added to the cash advance amount.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Mortgage arrangement fees capped at £1,000 per loan |
| Unit Pricing | Pay-as-you-go | Asset Finance: £1,000 - £10m, terms 6 months to 7 years |
| Transaction based/ take rate | Pay-as-you-go | Merchant Cash Advance: £2,500 - £200,000 |
| Other | Pay-as-you-go | Commercial Property Mortgages: £25,000 to £25 million |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
A V FINANCE LTD product offering
Product offeringCore offering
A V Finance Ltd operates as a credit broker and financial intermediary, arranging commercial mortgages, development finance, bridging loans, business loans, merchant cash advances, invoice finance, and asset finance for UK individuals and businesses. The company sources finance products from a network of UK lenders and connects customers with appropriate lending solutions across residential, buy-to-let, commercial, semi-commercial, and development property categories, earning broker fees and arrangement fees rather than lending its own capital.
Product overview
A V Finance Ltd operates as a financial services group comprising two main platforms: the AV Group (av-finance.co.uk) focusing on UK Residential, Buy-to-let, Commercial, Semi-Commercial, and Development Property Finance; and AV Commercial Finance (commercial.av-finance.co.uk) providing Commercial Mortgages and Lending services. The product portfolio spans two core categories: (1) Commercial Lending products including Merchant Cash Advance, Revolving Credit, Business Loans, Invoice Finance, Asset Finance, and Business Overdraft; and (2) Property Finance products including Commercial Property Mortgages, Bridging Finance, Development Finance, Building & Development Services, and HMO Mortgages. Both platforms are connected under the AV Group umbrella, with AV Commercial Finance operating as a trading style specializing in commercial mortgage and lending solutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Revolving Credit
Quantifiable outcome
- 90% approval rate for Merchant Cash Advances
- +2 more outcomes
Companies that use A V FINANCE LTD
Customer profileSegments4 records
Ideal customer profiles4 records
A V FINANCE LTD technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
A V FINANCE LTD partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Various UK Commercial LenderscoreAV Finance has partnerships with many commercial lenders across the UK. Their lending criteria, as well as products, vary depending on the lending. The company can arrange various mortgage and loan products through these lender relationships.
- Fiducia Network LtdcoreAV Commercial Finance Ltd is an Appointed Representative of The Fiducia Network Ltd, which is authorised and regulated by the Financial Conduct Authority under FRN 917537.
- National Association of Commercial Finance Brokers (NACFB)minorMember of the NACFB and adhere to their Code of Practice.
Scale indicators5 records
Recent moves5 records
Expansion highlights4 records
A V FINANCE LTD competitors and assessment
Company assessmentBroad incumbents
- Funding Circle: Established UK fintech operating a broad SME lending marketplace and business finance platform — overlapping with AV's commercial lending range but at much greater scale and with a proprietary balance-sheet model.
- Investec (UK Commercial Property Finance): Major UK commercial property lender offering commercial mortgages, bridging, and development finance — competes with AV for the same developer/investor clients but as a principal lender rather than broker.
Direct peers
- Capify: UK-based provider of merchant cash advances and small business loans — directly comparable to AV's MCA offering and adjacent to its broader commercial finance range.
- LDN Finance: UK specialist property finance broker arranging residential, buy-to-let, bridging, development, and commercial mortgages for individuals and SMEs — a near-identical product mix to AV Finance, serving the same London-centric customer base.
- Ascend Capital Group: UK commercial finance broker focused on bridging, development, and commercial mortgages for property investors and developers — directly comparable to AV's core property-finance offering.
- Nucleus Commercial Finance: UK commercial finance broker arranging business loans, asset finance, invoice finance, and commercial mortgages for SMEs — overlapping product set and customer segment with AV Commercial Finance.
- Blue Jacks Finance: UK commercial finance brokerage arranging commercial mortgages, bridging, development, and business lending — comparable niche positioning to AV Finance in the SME/property-developer segment.
Others
- National Association of Commercial Finance Brokers (NACFB): UK industry association of which AV Commercial Finance is a member — represents and supports the same broker community AV operates in, and provides compliance frameworks and lender introductions that shape the competitive landscape.
- Fiducia Network: FCA-authorised principal (FRN 917537) of which AV Commercial Finance is an Appointed Representative — provides the regulatory umbrella that allows AV to operate, and represents the infrastructure layer of the UK AR broker model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
A V FINANCE LTD social profiles
Digital presenceA V FINANCE LTD compliance and trust
Trust signalCompliance5 records
A V FINANCE LTD financial estimates
Financial estimateRevenue estimate
Valuation estimate
A V FINANCE LTD leadership team
Management profileNumber of profiles
Profiles1 record
A V FINANCE LTD subsidiaries and ownership
Company hierarchySubsidiaries1 record
A V FINANCE LTD funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
A V FINANCE LTD M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about A V FINANCE LTD
What does A V FINANCE LTD do?
A V Finance Ltd operates as a credit broker and financial intermediary, arranging commercial mortgages, development finance, bridging loans, business loans, merchant cash advances, invoice finance, and asset finance for UK individuals and businesses. The company sources finance products from a network of UK lenders and connects customers with appropriate lending solutions across residential, buy-to-let, commercial, semi-commercial, and development property categories, earning broker fees and arrangement fees rather than lending its own capital.
Is A V FINANCE LTD a public or private company?
A V FINANCE LTD is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was A V FINANCE LTD founded?
A V FINANCE LTD was founded in 2020. It employs 11 to 50 people.
Where is A V FINANCE LTD based?
A V FINANCE LTD is headquartered in London, United Kingdom, in the Europe region.
How does A V FINANCE LTD make money?
Three revenue lines are on record. Credit Broker Services are the primary driver. The others are commercial Finance Brokering and merchant Cash Advance.
Who are A V FINANCE LTD's main competitors?
Broad incumbents on record are Funding Circle and Investec (UK Commercial Property Finance). Direct peers are Capify, LDN Finance, Ascend Capital Group, Nucleus Commercial Finance and Blue Jacks Finance. Others are National Association of Commercial Finance Brokers (NACFB) and Fiducia Network.
Does A V FINANCE LTD have an API?
No public API is recorded for A V FINANCE LTD.
What industry is A V FINANCE LTD in?
A V FINANCE LTD's product category is Credit Brokerage Services. Its primary akta.pro industry code is BPAJABAK, Debt & Structured Finance / Mortgage Brokerage, with a secondary code of FSALACAH, Commercial & Multifamily Correspondent Lending. Its NAICS code is 5223 and its SIC code is 6163.