Time Finance
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.
Quick routing verdict
- Product: Asset finance, invoice finance, vehicle finance.
- Ticket band: £10k to £2m.
- Decision time: 2 to 5 business days.
- Pricing: Bespoke.
- Soft search at quote stage: no credit-file footprint.
- FCA-authorised.
At a glance
- Legal entity
- Time Finance plc
- Founded
- 2011
- Product
- Asset finance, invoice finance, vehicle finance
- Ticket range
- £10k to £2m
- Decision time
- 2 to 5 business days
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-06-12
Why we route here
- 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.
When we route elsewhere
- 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 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, route to iwoca or Capify
- Sole traders, route off-panel
- Pre-revenue applicants, route to Start Up Loans Company
If declined by Time Finance
If your application to Time Finance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Time Finance decline runbook for sector-specific routing detail, and our side-by-side guide to Time Finance alternatives for the closest UK specialty finance providers.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
Editorial reviews
For independent editorial reviews of Time Finance and the wider UK SMB lending market, see our sister site BestBusinessLoans.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Time Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-06-12. By Oliver Mackman.