octa finance

What octa finance does

Octa Finance Limited is a UK-based commercial finance credit brokerage founded in 2025 and headquartered in Southampton. The company operates as an Appointed Representative of Hexa Finance Limited, which holds FCA authorisation (FRN: 974633) and extends regulatory cover to Octa for credit broking services to unincorporated businesses. The firm earns commission by introducing business customers to a panel of lenders rather than lending directly.

Its product portfolio spans four core lines — asset finance (hire purchase, lease finance, equipment refinancing), invoice finance and factoring, business loan broking, and cash flow solutions — supplemented by three vertical specialisations: taxi and black cab fleet finance, security and CCTV equipment finance, and construction/yellow plant machinery finance. The application process is human-mediated: customers submit enquiries via website forms, email, or phone, and Octa's team manually engages the lender panel, completes applications, and facilitates fund or asset transfer upon approval.

The technology stack is limited to Microsoft Office 365 (OneDrive, Outlook) secured with Microsoft Two-Factor Authentication; there is no proprietary platform, no APIs, no mobile applications, and no disclosed automation. Customer acquisition is driven by a Wix-hosted website with prominent contact details, direct phone (0333 360 7201), and email enquiry channels, with no disclosed social media presence, paid marketing, or referral programmes. The company employs 1-10 people, has no disclosed funding, no named management team, and operates exclusively in England.

Name

octa finance

Legal name

Octa Finance Limited

Website

https://octafinance.co.uk

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

Octa Finance Limited is a UK-based credit broker (FCA-authorised via Hexa Finance) that introduces business customers to a panel of lenders for asset finance, invoice finance, business loans, and cash flow solutions, with vertical specialisations in taxi, security, and construction equipment financing.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Asset finance brokerage
• Business loan broking
• Invoice factoring services
• Commercial equipment finance
• Credit intermediary

Headquarters

HQ city

Southampton

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Broking Commission: Octa Finance operates as a credit broker and not a lender. They earn commission from their panel of lenders when they successfully introduce business customers who secure financing. The company works with Hexa Finance Limited to introduce business customers to a range of finance providers.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Octa Finance is a UK credit broker that introduces business customers to a panel of lenders for asset finance (hire purchase, lease finance, equipment refinancing), invoice finance and factoring, business loan broking, and cash flow solutions. The company operates as an Appointed Representative of Hexa Finance Limited, handling lender applications on behalf of customers and earning commission upon successful introductions.

Product overview

Octa Finance is a credit broker offering a unified platform of business finance solutions, operating as an Appointed Representative of Hexa Finance Limited. The core offering comprises asset finance products (hire purchase, lease finance, equipment refinancing), invoice finance and factoring, business loan broking, and cash flow solutions. The company also provides specialized financing verticals for security equipment, taxi fleets, and construction plant and machinery. The products connect through a single application process where Octa engages with their broad panel of lenders on behalf of business customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset Finance
• Invoice Finance and Factoring Financing solution that allows businesses to unlock cash tied up in unpaid invoices to improve cash flow, sourced through Octa's panel of lenders.
• Business Loan Broking Brokerage service introducing business customers to a range of finance providers from Octa's panel of lenders to find the best deal for unsecured or secured business funding needs.
• Cash Flow Solutions Financial products sourced via Octa's lender panel to help businesses manage and improve their cash flow position.
• Security Equipment Finance Tailored financing brokerage solutions for security businesses needing CCTV equipment, mobile CCTV towers, fleet expansion, and security system upgrades.
• Taxi and Black Cab Fleet Finance Fleet financing brokerage solutions for taxi businesses including vehicle acquisition, upgrades, and refinancing options with flexible terms, drawn from Octa's panel of lenders.
• Construction Finance Financing brokerage solutions for construction firms covering yellow plant machinery (excavators, loaders, telehandlers), transport vehicles, auction purchases, and specialist equipment, sourced from Octa's panel of lenders.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Hexa Finance LimitedcoreChannel Partner/ Reseller/ DistributorOcta Finance Limited works with Hexa Finance Limited to introduce business customers to a range of finance providers. Octa Finance is an Appointed Representative of Hexa Finance Limited, which is Authorised and Regulated by the Financial Conduct Authority (firm number 974633). Hexa Finance acts as the principal, with Octa operating under their regulatory authorisation for credit broking services.

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Funding Circle: UK-listed SME lending and finance platform offering business loans, asset finance, and invoice finance to SMBs. Comparable as a large, established UK player intermediating between businesses and capital providers across the same core product categories as Octa.
• Bibby Financial Services: Established UK invoice finance, asset finance, and commercial lending provider for SMEs. Comparable because it competes in the same invoice discounting and asset finance categories that Octa brokers, with a much larger balance sheet and brand presence.
• Close Brothers Asset Finance: UK bank-affiliated asset finance provider offering hire purchase, leasing, and refinancing across multiple asset classes. Comparable as a competitor in the same asset finance categories Octa brokers, but operating as a direct lender with deeper capital base.
• Aldermore Asset Finance: UK challenger bank providing asset finance, invoice finance, and business loans to SMEs. Comparable as an established UK provider competing for the same customers and product categories that Octa serves via its lender panel.
• Lloyds Bank Asset Finance: UK high-street bank with a dedicated asset finance division offering hire purchase, leasing, and vehicle/equipment finance. Comparable as a major UK asset finance competitor whose lender panel overlaps the markets Octa targets.

Direct peers

• Capify: UK-based alternative finance provider focused on small business loans, invoice finance, and working capital solutions. Directly comparable as a UK SMB finance intermediary serving similar customer segments (trades, services, retail) with similar product breadth.
• MarketFinance: UK fintech providing invoice finance, business loans, and asset-based lending to SMBs. Comparable as a UK-focused SMB finance intermediary with overlapping invoice and loan products and a similar digital-first broker/lender hybrid model.
• Simply Asset Finance: UK asset finance broker arranging hire purchase, lease, and equipment finance for businesses via a panel of lenders. Most directly comparable to Octa as a UK asset finance broker with a panel-based distribution model for similar SMB equipment finance customers.

Emerging players

• Sonovate: UK fintech offering invoice finance and embedded funding solutions, originally focused on recruitment but expanding into wider SMB verticals. Comparable as a tech-enabled UK invoice finance intermediary competing for the same customer use case.
• Rangewell: UK business finance broker matching SMEs with lenders across asset finance, invoice finance, and loans. Directly comparable as a UK business finance broker operating a similar panel-based intermediation model to Octa.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/octa-finance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 octa finance