An institution’s discipline. A broker’s speed.
B2B Loans UK was founded in London in 2019 by a small team of commercial bankers and asset-finance underwriters who had watched too many good UK businesses turned away by high-street credit committees. The firm exists to close that gap - with the paperwork discipline of an institution and the timing of a market that actually moves.
A commercial finance house, built for the middle of the market.
We arrange finance for established UK businesses between roughly £500,000 and £50 million of turnover - the segment large enough to be worth doing properly, and small enough that the high-street relationship model has largely walked away from it.
Since the firm was founded we have placed more than £312 million of facilities across working capital, invoice finance, asset finance and secured commercial lending, and we have done it without buying leads, running a call centre or paying commission to third-party introducers who never meet the client.
Four values, printed on the wall.
Route over refusal
A bank rejection is a starting point, not a verdict. Where a bank sees risk, we look for a route.
Fast, not reckless
Speed is a feature - never at the cost of being straight about cost, terms and what happens next.
Plain English
Owners are tired of vague. We say what we can do, what it costs and how long it takes, in words a director can act on.
Institutional calm
Every touchpoint should feel like it came from an institution that has done this ten thousand times before.
Bankers by training. Operators by instinct.
Every enquiry above £150,000 is handled personally by a director. No account managers, no case handlers, no faceless queue.
James Whitmore
18 years across RBS Corporate, Aldermore and a specialist SME funder. Runs the firm and leads on structured working capital and secured lending.
Priya Shah
Former senior underwriter at a top-five UK invoice finance house. Oversees pre-underwriting and lender relationships across the ledger book.
Callum Reid
Ex-Lombard and Close Brothers Asset Finance. Fifteen years placing plant, transport and manufacturing equipment across the UK.
Eleanor Hart
Runs the client desk. Every enquiry passes across her desk before it lands with a director, and every completion lands back with her.
The paperwork behind the door.
B2B Loans UK Ltd is a credit broker, not a lender, and is registered with the Information Commissioner’s Office. The firm operates within the applicable UK regulatory framework for commercial finance intermediaries, including anti-money laundering and financial promotion rules. Unsecured business lending of £25,000 and above is unregulated activity.
Every principal lender on our panel is a UK-authorised deposit taker, an FCA-authorised firm or a specialist funder that meets our own onboarding and financial-crime due diligence. We publish a summary of our complaints procedure and disclose fees in writing before any lender is approached.
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