{"schema_version":"2026-05-26","source":"https://fundbiz.co.uk/data/uk-business-finance-lender-index/","license":"https://creativecommons.org/licenses/by/4.0/","count":2,"lenders":[{"slug":"aldermore","name":"Aldermore","legal_name":"Aldermore Bank plc","company_number":"00947662","founded_year":2009,"homepage":"https://www.aldermore.co.uk/business-finance/","profile_url":"https://fundbiz.co.uk/lenders/aldermore/","product_type":"Asset finance, invoice finance, commercial mortgages","ticket_range":"£25k to £5m","typical_rate":"From 7.5% APR equivalent","decision_time":"5 to 10 business days","soft_search_only":false,"ltd_only":true,"fca_regulated":true,"rating":{"overall":4.1,"transparency":4,"eligibility":4,"speed":3,"decline":4},"summary":"Panel challenger bank we route to for asset finance, invoice finance and commercial mortgage tickets between £25k and £5m where the applicant has the time for proper underwriting and wants a real bank on the other side. We send established Ltd companies here when the deal is asset-backed or property-backed and the speed pressure is moderate. Owned by FirstRand. Broker-introduced rather than self-serve.","pros":["Specialist asset finance and invoice finance lines that mainstream banks no longer prioritise.","Strong commercial mortgage product, so we route property-backed Ltd applicants here at £150k+.","Established underwriting team with sector specialism, useful for files with complexity that needs a human.","PRA-regulated bank, which matters to applicants who want a deposit-taking institution rather than a fintech."],"cons":["Slower than fintech alternatives, so applicants who need cash inside the week route to iwoca, Capify or YouLend instead.","Hard search at full application means we only push files here once the applicant is committed.","Sub-£25k tickets are not for them, route smaller asks to iwoca or Capify.","Sole traders and partnerships under 4 partners are out of scope (and out of FundBiz scope generally)."],"best_for":["Established Ltds wanting asset finance or invoice finance with a real bank","Commercial property tickets £150k+ where the applicant has 2 weeks for underwriting","Broker-introduced deals with sector complexity"],"weak_at":["Speed-critical files, route to iwoca, Capify or YouLend","Sub-£25k tickets, route to Capify or 365 Business Finance","Pre-revenue or sub-12-month trading, route to Start Up Loans Company"],"last_reviewed":"2026-05-10","companies_house":{"company_number":"00947662","source":"https://find-and-update.company-information.service.gov.uk/company/00947662"}},{"slug":"time-finance","name":"Time Finance","legal_name":"Time Finance plc","founded_year":2011,"homepage":"https://timefinance.com/","profile_url":"https://fundbiz.co.uk/lenders/time-finance/","product_type":"Asset finance, invoice finance, vehicle finance","ticket_range":"£10k to £2m","typical_rate":"Bespoke","decision_time":"2 to 5 business days","soft_search_only":true,"ltd_only":false,"fca_regulated":true,"rating":{"overall":4,"transparency":3,"eligibility":4,"speed":4,"decline":4},"summary":"Panel mid-ticket alternative finance specialist we route to when the file needs asset finance, invoice finance and vehicle finance combined under one lender. Particularly useful for transport, manufacturing and hospitality SIC codes where Time Finance has sector specialism. Sits between the fintech speed of iwoca and the bank-grade underwriting of Aldermore, often the right answer for £25k to £500k asset-backed Ltds that want a single relationship.","pros":["Multiple complementary product lines under one roof, so we can route a single file across asset, invoice and vehicle without re-introducing.","Sector specialism in transport, manufacturing and hospitality, which the matcher uses on SIC-led routing.","AIM-listed transparency on filings, useful for applicants who want a public-market institutional view.","Faster than Aldermore or Shawbrook on bespoke asset deals, often inside 5 business days."],"cons":["Broker-distributed for most product flow, so the FundBiz introduction is the route rather than self-serve.","Pricing varies materially by deal, so the matcher cannot quote a tight rate before the conversation.","Smaller brand presence than Aldermore or Shawbrook, applicants who want the bigger name route there.","Sub-£10k tickets are not for them, route to iwoca or Capify."],"best_for":["Mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender","Transport, manufacturing and hospitality SIC codes","£25k to £500k asset-backed Ltds wanting a faster route than Aldermore"],"weak_at":["Sub-£10k self-serve tickets, route to iwoca or Capify","Sole traders, route off-panel","Pre-revenue applicants, route to Start Up Loans Company"],"last_reviewed":"2026-05-10"}]}