Lender review · Asset finance, invoice finance, vehicle finance
Time Finance
- Reviewed April 2026
- Editor Oliver Mackman
- Methodology Public
AIM-listed UK alternative finance specialist covering asset finance, IF and vehicle finance. Mid-ticket sweet spot; broker-distributed plus direct. Strong on sector specialisms.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 26 April 2026
At a glance
- Product
- Asset finance, invoice finance, vehicle finance
- Ticket size
- £10k to £2m
- Typical rate
- Bespoke
- Decision time
- 2 to 5 business days
- Soft search at quote
- Yes
- Limited companies only
- No
- FCA regulated
- Yes (check the FCA Register)
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How Time Finance works
Time Finance operates as a asset finance, invoice finance, vehicle finance provider in the UK SMB market. AIM-listed UK alternative finance specialist covering asset finance, IF and vehicle finance. Mid-ticket sweet spot; broker-distributed plus direct. Strong on sector specialisms.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £10k to £2m band, decisions land within 2 to 5 business days, and the published rate range is Bespoke. Soft search at quote means no impact on your credit file at the eligibility stage. Time Finance is FCA regulated.
Where Time Finance fits best: asset finance with if combined, sector-specific deals, mid-ticket smes. Where it does not fit: self-serve £10k-£25k tickets, sole traders.
Pricing examples
Worked examples using Time Finance's published rate range (Bespoke). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a Time Finance quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Self-serve £10k-£25k tickets.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Asset finance with IF combined; Sector-specific deals; Mid-ticket SMEs.
Pros
- + Multiple complementary product lines.
- + Sector specialisms in transport, manufacturing, hospitality.
- + AIM-listed transparency on filings.
Cons
- − Broker-distributed for most product flow.
- − Pricing varies materially by deal.
- − Smaller brand vs Aldermore / Shawbrook.
Best for
- · Asset finance with IF combined
- · Sector-specific deals
- · Mid-ticket SMEs
Weak at
- · Self-serve £10k-£25k tickets
- · Sole traders
When to use Time Finance
Use Time Finance when
Your application matches the best-fit profile: asset finance with if combined, sector-specific deals, mid-ticket smes. The published ticket range (£10k to £2m) covers your ask, the decision speed (2 to 5 business days) fits your cash-gap timeline, and the rate range (Bespoke) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.
Do not use Time Finance when
Your profile sits in the weak-at list: self-serve £10k-£25k tickets, sole traders. Time Finance will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Time Finance as a screen.
FAQs
What is the minimum trading time for Time Finance?
Time Finance typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Time Finance require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Time Finance is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For asset finance, invoice finance, vehicle finance specifically, expect a PG to be requested.
How fast does Time Finance fund?
Time Finance quotes 2 to 5 business days for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Time Finance?
Time Finance's published range is Bespoke. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Time Finance declines me?
If Time Finance declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Time Finance scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via timefinance.com, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Time Finance.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 26 April 2026. Lender website: timefinance.com.