Hindmarsh Business Finance

Hindmarsh Business Finance: an FCA-regulated broker for UK business funding

Hindmarsh Business Finance Ltd operates as an independent credit broker rather than a lender. The company presents itself as authorised and regulated by the Financial Conduct Authority under firm reference number 1046490, and arranges funding for companies by comparing options across a panel of UK lenders. Its stated role is to simplify the process of securing finance and to connect businesses with funding that matches both immediate needs and longer-term objectives.

The broker describes its client base as businesses of all sizes across the United Kingdom, and frames its work around matching each enquiry to a suitable lender rather than pushing a single product.

Finance products arranged

The range of solutions the company advertises covers both asset-based and cash-flow funding:

• Asset finance, including hire purchase and finance lease, for spreading the cost of machinery, vehicles, technology and equipment while preserving working capital.
• Business loans, offered in unsecured, secured and short-term variants, intended for expansion, recruitment, stock purchases, acquisitions or day-to-day cash flow.
• Refinance arrangements.
• Invoice finance, which releases cash tied up in unpaid invoices so a business can access working capital before customers settle.
• Vehicle funding, including personal car finance, and a separate line labelled TEKDEN Finance.
• Other specialist funding options tailored to particular business requirements.

Sectors served

The company highlights four industry groups for which it tailors its approach: construction and trades, where funding covers plant, machinery, tools, vehicles and growth; professional services, with flexible finance for growing firms; manufacturing and engineering, focused on investment in machinery, equipment and operational expansion; and agriculture and farming, with specialist solutions for agricultural businesses and equipment purchases. The site also states that it works with many other industries throughout the UK.

How the brokerage process works

Hindmarsh Business Finance sets out a four-stage route to funding. It begins with a conversation about the client's requirements, whether asset finance, a business loan, invoice finance or vehicle funding. The team then searches its lender network to compare funding options, presents a tailored proposal explaining terms, costs and benefits, and arranges the finance once approved.

On timing, the company states that approval periods depend on the type of finance and the applicant's circumstances, but that decisions can often be obtained within 24 to 48 hours. It also notes that a perfect credit score is not necessarily required, since each application is assessed individually and its lender panel may accommodate a variety of credit profiles. Borrowing amounts are described as varying with the finance type, business circumstances and lender criteria, ranging from smaller requirements to significant investment finance.

Regulatory status and how the broker is paid

The company is explicit about its regulatory position: it is a credit broker, not a lender, and is authorised and regulated by the Financial Conduct Authority. It states that it works with a panel of lenders from whom it will typically be paid a commission for effecting the introduction, that the amount can vary by lender and may be higher for certain products than others, and that it can also depend on the interest rate, term and product obtained. Commission is described as typically a fixed fee or a percentage of the amount borrowed. The company states that it does not charge clients a fee for its services and that it will disclose any potential commission on request, by post, email or telephone.

Company details

Hindmarsh Business Finance Ltd is registered in England under company number 14032107 and is registered with the Information Commissioner's Office under reference ZB983826. Its registered address is 26 Bessborough Road, Harrow, England, HA1 3DL, while correspondence about commission disclosure is directed to Landmark House, Station Road, Hook, Hampshire, RG27 9HA.