Origin Finance

Origin Finance, a finance brokerage for British SMEs

Origin Finance is a UK-based business finance brokerage that works with SMEs across multiple sectors. Its approach is built around a team of commercial finance specialists who review each application and find the most suitable lender for the client's profile and needs. The firm reports a 95% acceptance rate and funds available within 24 hours, with interest rates from 3.4%.

Available finance solutions

Origin Finance's range covers several types of business finance, each aimed at specific needs:

• Asset Finance: funding for tangible and intangible assets through arrangements such as hire purchase, finance lease and operating lease. It provides access to more than 120 lenders, from traditional banks to specialist providers, with rates from 3.40% and terms of up to seven years.
• Invoice Finance: converting unpaid invoices into working capital, aimed exclusively at business-to-business invoices. It offers access to more than 30 lenders and terms tailored to each client, sometimes with discreet repayment schedules.
• Refinance: releasing working capital from assets the business already owns and continues to use as normal. Rates are usually lower than those on business loans; it provides access to more than 50 specialist lenders, with rates from 4.15% and terms of up to seven years.
• Business Loans: flexible loans whose amount is paid directly into the business's bank account for it to use as it sees fit. Access to more than 120 lenders, with rates from 5.99% and terms of up to seven years.
• Growth Guarantee Scheme (GGS): a loan programme backed by the UK Government and the successor to the Recovery Loan Scheme (RLS). It provides access to more than 35 accredited lenders in the programme, with rates from 3.60% and terms of up to seven years.

In all cases, the firm assigns an experienced account manager who acts as the client's single point of contact.

Finance tailored to the sector and the stage of the business

Origin Finance organises part of its offering according to the purpose of the finance and the company's situation. The areas it covers include cashflow, equipment purchase, sustainability and investments to reduce environmental impact, commercial fit-out projects, the purchase or renewal of vehicle fleets — including electric vehicles — and franchises, both for established franchisees and for new entrepreneurs. It also has specific lines for start-ups.

Origin X: finance for other companies' customers

Origin X is the firm's partnership programme, designed so that other companies can offer finance solutions to their own customers and open up new revenue streams. It has two formats: affiliate partnership and supplier partnership. According to the company, the scheme costs the partner nothing and allows tailored finance options to be passed on to end customers.

Eligibility tools and customer resources

Origin Finance's website includes an eligibility checker that does not require personal details and does not carry out credit searches, as well as calculators to estimate repayment costs based on the specific terms of each transaction. The firm also maintains a resources section with articles, guides, videos, downloads and case studies on finance. Among the published case studies are examples of equipment and fit-out finance for virtual reality projects, kitchen and catering equipment for a new franchisee, renewable energy equipment for a waste recycling and plant hire company, and commercial vehicle finance for a builders' merchant.

The firm's approach and positioning

Origin Finance presents itself as an alternative to finance managed exclusively by algorithms and puts people at the centre of the process. Its team is made up of professionals with a background in commercial finance. The company states that its goal is to change how British SMEs perceive business finance, with an approach it describes as educational rather than sales-driven, and says it aims to leave the client better informed whether or not they go on to use its services.

Location and contact

Phone: 01604 926226 · Email: info@originfinance.co.uk