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What We Do
At Time Finance we provide flexible funding solutions to British Businesses including asset finance, invoice finance and business loans. Our funding gives SME owners across the UK, the confidence and freedom to achieve their business goals. Running a business can be challenging, we hope to make life easier by bringing finance solutions delivered with expertise, flexibility and great service.
Our Solutions
Enabling investment in vital equipment or refinancing existing assets to make business happen
Asset Finance
We go the extra mile to ensure you get a vehicle finance solution that’s right for you
Vehicle Finance
Choose Us
Our flexibility means you receive the best financial solution for your business. Our customers make us their first choice every year because our local teams are passionate about delivering the right solution at the right time for you.
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What our clients say about us
Latest Case Studies
Founded in the 1950s, Wolverhampton-based LS Manufacturing is one of the UK’s few remaining high-end clothing manufacturers.
Our recent client, a steel manufacturer, boots cashflow with Multi-Product facility
Our client is a knitwear designer and manufacturer based in Shetland, Scotland.
Facility Type: Confidential Invoice Finance and Asset Finance
Region: Midlands
Facility Value: £2.25m Invoice Finance, £300k Loan and £300k Asset Finance
Introduction to the deal
This client was introduced to us by the brokerage arm of an accountancy firm based in the Midlands.
A long-established family business with over 50 years of trading, it was initially run by the father, with the son taking over after illness meant the father did not wish to return to work within the business.
Unfortunately, during this transition, trade had dipped and, coupled with a premises move, the business began making losses. This resulted in staff taking a pay cut, directors resigning and a review of charges to customers. Despite these efforts, the business was struggling to improve its position, its incumbent banking relationship was breaking down and its existing Invoice Finance facility was no longer providing the support the business desperately needed. It was facing the very real threat of administration.
The Solution
We stepped in to replace the existing Invoice Finance facility with a £2.25m confidential facility, alongside a £300k Xtra Time Loan facility and a £300k Asset Finance line.
Our team worked together to deliver a Multi-Product funding solution, allowing the business to release much-needed cash, refinance existing assets and arrange repayments to customers it had previously been unable to pay. The funding provided the business owner with the ability to renegotiate payment terms with clients and debtors while rebuilding valuable commercial relationships.
This funding package demonstrates how multiple funding products can be combined to improve cashflow, strengthen working capital and support long-term business stability during a period of financial restructuring.
Outcome of the Deal
The deal has provided the business with a new impetus and forecasts are already showing a return to profitability, with future projections indicating continued positive performance.
The business owners were extremely grateful for the support received throughout the funding process and are now facing a much brighter future with renewed confidence.
Interested? Get in touch.
Awards and Accreditations
We are proud of the awards we have won, which successfully demonstrates how we put excellent customer service at the heart of everything we do.
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