Performance Finance Ltd

Finance for medical, legal and accounting professionals

Performance Finance Ltd is a Kettering-based finance company that arranges lease, hire purchase, business loan and personal loan facilities for qualified professionals. Its client base is concentrated in specific professional fields: opticians, dentists, veterinary surgeons, doctors and GPs on the medical side, and solicitors, barristers and accountants on the legal and accounting side. The company describes itself as both a credit broker and a consumer credit lender, authorised and regulated by the Financial Conduct Authority under firm reference number 689894.

Its stated approach is to work only with qualified individuals and their businesses, on the argument that this focus allows its advisers to understand the profession and the practice behind each request. The company presents its lending as bespoke rather than standardised, with each facility structured around the client's requirements.

Funding options and asset finance

The range of products listed covers several financing structures rather than a single loan type:

• Lease and leasing arrangements
• Hire purchase
• Business loans
• Personal loans
• Tax loans
• Asset finance and equipment finance

Alongside these general options, the company markets sector-specific lines including professional indemnity (PI) insurance funding, VAT funding, work in progress (WIP) funding and tax loans aimed at business professionals. A separate personal finance and tax funding line is also presented.

New start practice funding

A distinct area of the business addresses professionals setting up their own practice. The company lists dedicated new start business funding for an optical practice, an ophthalmology clinic, a dental practice and a veterinary practice. This sits alongside the general new start business funding offer, suggesting the financing is packaged around the equipment and setup needs of each type of practice.

Approval times and documentation

According to the company, 93% of its credit approvals are provided within 24 hours. Documentation can be signed electronically from a PC, laptop, tablet or mobile phone. The firm states that it does not charge a fee for arranging finance; instead, lenders on its panel pay a commission for introducing the case, which the company notes may vary with loan size and between lenders. It also states that it works with a panel of lenders whose particulars are supplied on request.

Accreditations and environmental certifications

The company holds Cyber Essentials certification, a government-backed scheme it describes as protection against common cyber attacks. It reports Carbon Neutral certification dated 21 February 2025 and Level 2 of the OSA Green Charter since 2024. It is registered in England under company number 4725729, with VAT registration GB 428 3737 76, and is registered with the Information Commissioner's Office under reference Z1112295.

Scope and limitations stated by the firm

Performance Finance states explicitly that it is not a tax adviser and that clients are responsible for obtaining appropriate advice and selecting the correct product, whether a finance lease, hire purchase agreement or loan. It also notes that business and commercial finance falls outside the scope of FCA regulation, even though the firm itself is authorised and regulated as a credit broker and consumer credit lender. The company reports a five-star Trustpilot rating and describes more than 20 years of lending activity.