Time Finance
Mid-ticket alternative finance specialist that suits businesses wanting 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.
Quick verdict
- Product: Asset finance, invoice finance, vehicle finance.
- Ticket band: Not published overall; secured loans of £50k to £500k (its own figures).
- Pricing: Bespoke.
- Time Finance says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Time Finance, at a glance
- Legal entity
- Time Finance plc
- Companies House
- 05845866
- Product
- Asset finance, invoice finance, vehicle finance
- Ticket range
- Not published overall; secured loans of £50k to £500k (its own figures)
- Decision time
- Not published
- Ltd-only
- No, the lender also accepts other structures
Where Time Finance is strong
- Multiple complementary product lines under one roof, so one relationship can cover asset, invoice and vehicle finance.
- Sector specialism in transport, manufacturing and hospitality.
- 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.
Watch-outs, and when another lender may suit better
- Broker-distributed for most product flow rather than self-serve.
- Pricing varies materially by deal, so there's no tight rate guide before the conversation.
- Smaller brand presence than Aldermore or Shawbrook, borrowers who want the bigger name may prefer those.
- Sub-£10k tickets aren't for them; consider iwoca.
Best fit applicants
- 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
Where Time Finance is the wrong fit
- Sub-£10k self-serve tickets, consider iwoca
- Sole traders
- Pre-revenue applicants, consider Start Up Loans Company
If declined by Time Finance
If your application to Time Finance is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our Time Finance decline guide for what to do next, and our side-by-side guide to Time Finance alternatives for the closest UK specialty finance providers.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Time Finance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Time Finance?
Time Finance offers asset finance, invoice finance, vehicle finance. Ticket range: Not published overall; secured loans of £50k to £500k (its own figures). Typical rate: Bespoke.
How long does Time Finance take to decide?
Not published Time Finance says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Time Finance the best fit for?
First on the list: Mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender. The full list is under Best fit applicants above.
When might another lender suit better than Time Finance?
First on the list: Sub-£10k self-serve tickets, consider iwoca. The other cases are under Where Time Finance is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Time Finance
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.