Industrial Equipment Finance

What Industrial Equipment Finance does

Industrial Equipment Finance Limited (IEF) is a UK-based, FCA-authorised (Financial Services Register No. 839223) specialist finance provider focused on operators of industrial and commercial machinery. The company is a wholly-owned subsidiary of Compass Business Finance Ltd and operates from Compass House, Tonbridge, Kent. IEF distributes two core products: the MACH 3-5-7 insurance policy and a Capital Release Plan.

The MACH 3-5-7 policy, developed jointly with Marsh Ltd (a global insurer), is an extended machinery-cover product designed for fixed and installed industrial machines under 10 years old, with terms of up to seven years, fixed premiums guaranteed not to rise over the policy lifetime, and customer-chosen repairer flexibility including the option to use in-house engineers. The Capital Release Plan is an asset-refinancing product that helps businesses unlock capital tied up in owned machinery without affecting existing credit lines, supporting use cases such as partner buyouts, retirement provisions, and project finance. As an Appointed Representative of Marsh Ltd, IEF is regulated by the FCA for General Insurance Distribution and Credit Broking (Marsh Firm Reference No. 307511).

IEF operates a sales-led go-to-market combining direct account-manager relationships (with five named contacts) and a select panel of trusted intermediaries who introduce customers. Revenue is generated through commissions on arranged finance (transaction fees embedded in Total Amount Payable, with no direct customer fees) and recurring insurance premiums on the MACH 3-5-7 book. The company is privately held, has not raised external capital, and serves a UK-only customer base with no disclosed revenue, deal volumes, or headcount growth figures.

Name

Industrial Equipment Finance

Legal name

Industrial Equipment Finance Limited

Website

https://iefinance.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Industrial Equipment Finance Limited is a UK FCA-authorised specialist finance provider that distributes the MACH 3-5-7 industrial machinery insurance policy (with Marsh Ltd) and a Capital Release asset-refinancing product to UK machinery operators and businesses seeking capital release.

Ownership category

akta.pro rank

Product category

Equipment Finance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Finance and Insurance (52)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Finance Lessors (6172)

akta.pro primary industry

Commercial Equipment & Machinery Breakdown / Equipment Protection Plans (FSAJALAJ)

akta.pro secondary industries

Equipment & Asset Finance Brokerage (FSAEAEAJ), Equipment Breakdown / Boiler & Machinery Insurance (FSAJACAI)

Keywords

• Equipment finance
• Machinery insurance
• Asset refinancing
• Commercial lending
• Capital release

Headquarters

HQ city

Tonbridge

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Finance Arrangement & Brokerage: IEF operates as both independent lender and finance broker. Commission calculated as percentage of amount financed, included within Total Amount Payable. No fees charged directly to customers for arranging finance.
2. MACH 3-5-7 Insurance Premiums: Insurance policy for machinery protection with flexible cover terms up to 7 years. Premiums fixed at time of policy purchase and guaranteed not to rise regardless of claims history.
3. Capital Release / Asset Refinancing: Helping businesses unlock capital tied up in existing assets without impacting existing lines of credit. Invisible to customers and suppliers with full security provided by refinanced assets.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Industrial Equipment Finance (IEF) provides financial services to UK businesses operating industrial and commercial machinery. Its primary offering is the MACH 3-5-7 insurance policy, co-developed with Marsh Ltd, which covers mechanical breakdown and accidental damage during operation on machines under 10 years old with flexible cover up to seven years and fixed premiums. Its secondary offering is the Capital Release Plan, an asset refinancing product that helps businesses unlock capital tied up in existing assets without impacting their credit lines.

Product overview

Industrial Equipment Finance operates as a specialized financial services provider for the industrial and commercial machinery sector, offering two core products: the MACH 3-5-7 insurance policy for machinery protection against breakdowns and accidental damage during operation, and the Capital Release Plan for asset refinancing. The MACH 3-5-7 policy provides extended warranty coverage beyond standard warranties, while the Capital Release Plan enables businesses to unlock value from owned assets. Both products are designed to serve operators of industrial and commercial machinery in the UK.

Differentiator

Problem solved

Functional benefit

Brands

• MACH 3-5-7: Insurance policy for industrial and commercial machinery protection, developed in conjunction with a leading insurer (Marsh Ltd). Covers mechanical breakdown and production interruptions for machines under 10 years old.

Products and services

• MACH 3-5-7 Insurance Policy
• Capital Release Plan An individually tailored asset refinancing service for UK businesses that unlocks capital tied up in assets they already own without impacting existing lines of credit. Typical use cases include partner or director buyouts, retirement provisions, new product development, and project finance, with the arrangement kept invisible to customers and suppliers and full security provided by the refinanced assets.

Quantifiable outcome

• Premium reduced when policy taken at time of machine purchase due to lower year-one claim likelihood

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Marsh LtdcoreStrategic or Co-development PartnerMACH 3-5-7 insurance policy developed in conjunction with Marsh Ltd, a leading global insurer. Marsh provides claims database management and actuarial support. Marsh Commercial (trading name of Marsh Ltd) is authorised and regulated by the FCA for General Insurance Distribution and Credit Broking (Firm Reference No 307511). IEF operates as Appointed Representative of Marsh Ltd.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Together Money: UK specialist lender offering secured and asset-backed finance to SMEs and individuals, including commercial mortgages and asset finance. Closely comparable to IEF's asset refinancing and broker-led finance model.
• Bluestone Leasing: UK asset leasing and finance provider targeting SMEs with equipment leasing and refinancing products. Comparable to IEF's role as both an independent lender and finance broker in the UK business equipment market.
• Norton Finance: UK business finance broker arranging asset finance, commercial loans, and refinancing through a panel of lenders. Closely comparable to IEF's broker-led distribution model for UK business customers.
• Ultimate Finance: UK specialist business finance provider offering asset finance, invoice finance, and commercial loans to SMEs. Directly comparable to IEF's B2B finance brokerage and asset refinancing offerings.
• Bibby Financial Services: UK-based provider of invoice finance, asset finance, and commercial lending to SMEs. Directly comparable to IEF as a B2B finance provider serving UK businesses with similar capital-release and asset-backed lending products.
• Close Brothers Asset Finance: UK asset finance division of Close Brothers Group providing hire purchase, leasing, and refinancing for business equipment. Directly comparable to IEF's Capital Release Plan and equipment finance brokerage offerings.
• Henry Howard Finance: UK asset finance specialist focused on equipment finance and refinancing for SMEs. Directly comparable niche operator to IEF, particularly for the Capital Release Plan side of the business.

Broad incumbents

• Hiscox UK: UK insurer offering a broad range of commercial and specialist business insurance, including equipment cover. Comparable as a broader incumbent providing equipment-related insurance that overlaps with IEF's MACH 3-5-7 policy.
• Allianz Trade: Global trade credit insurer and part of the Allianz group offering commercial insurance and equipment-related cover. Broad incumbent in the same machinery/equipment risk-transfer space as IEF's MACH 3-5-7 product.
• AIG Equipment Breakdown: Global insurer with equipment breakdown and commercial property insurance lines. Broad incumbent offering boiler and machinery cover that overlaps with IEF's niche MACH 3-5-7 industrial machinery product.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Industrial Equipment Finance