Time Finance plc

Time Finance plc: flexible financing for British SMEs

Time Finance plc is an independent financial institution based in Bath (United Kingdom) that focuses its activity on providing financing solutions to small and medium-sized British companies. Its offering combines factoring, asset finance, business loans and vehicle finance, with the possibility of structuring multi-product solutions that integrate several instruments into a single operation.

Products and financing solutions

The company structures its catalogue around four main lines:

• Asset Finance: allows investment in essential equipment or refinancing of existing assets.
• Invoice Finance: aimed at improving cash flow by releasing cash tied up in outstanding invoices.
• Loans: financing to bring business plans to fruition.
• Vehicle Finance: solutions tailored to the company's mobility needs.

In addition, the firm offers multi-product solutions that combine several of these instruments to optimise the company's liquidity and working capital.

Focus on SMEs and intermediaries

Time Finance presents itself as an independent provider specialising in SMEs, with the stated aim that financing should fit the needs and ambitions of each business. The company also works with brokers and intermediaries, offering them the possibility of joining its panel of collaborators and supporting their clients during the financing period.

Scale and recent activity

According to data published by the company itself, as of June 2025 it had provided more than £217 million to support the growth plans of British SMEs and had helped to arrange more than £96 million of new financing during its last financial year, ended in May 2025.

Corporate history

The company was incorporated in December 1998 as Onepm Finance and in August 2006 it listed on AIM, the London Stock Exchange's alternative market, with a £1.3 million placing. In December 2020, the company, then named 1pm plc, adopted its current name Time Finance plc. Throughout its history it has incorporated other firms in the sector, such as Academy Leasing (2015), Bradgate Business Finance (2016), Intelligent Loans (2017), Gener8 Finance (2017), Positive Cashflow Finance (2017) and CarFinance2U (2017).

Documented financing cases

Among the cases published by the entity are that of a textile manufacturer in Wolverhampton, LS Manufacturing, founded in the 1950s and one of the few high-end clothing manufacturers remaining in the United Kingdom; that of a steel manufacturer that strengthened its cash flow through a multi-product facility; and that of a knitwear company based in Shetland (Scotland) that acquired new machinery with a £75,000 asset finance facility. The company also details a transaction in the Midlands in which it replaced an existing invoice finance line with a £2.25 million confidential facility, together with a £300,000 Xtra Time loan and a £300,000 asset finance line, as part of a financial restructuring process for a family business with more than fifty years of activity.

Structure and corporate governance

Time Finance plc is listed on AIM and publishes corporate governance information, as well as its adherence to the Growth Guarantee Scheme for asset finance and its statement relating to the Modern Slavery Act. The company has a business development team and a division specialising in invoice finance.

Location and contact

St James House, The Square, Lower Bristol Road, Bath, BA2 3BH