I’ve been using Time Finance for invoice financing for over 10 years. In my industry, client payments can run late, and Time Finance not only chases them up but will also apply legal pressure if n... See more
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Company details
Written by the company
Time Finance provides the funding support businesses need to help bring their ambitions to life – whether that’s through innovation, investment or expansion. We support over 11,000 UK business owners each year through Asset Finance, Invoice Finance, Business Loans and Multi-Product solutions. Through this experience, we have developed a wealth of knowledge that allows us to help navigate businesses towards their goals. Our flexibility means our customers receive the best financial solution for their business's needs.
Our Solutions
Written by the company
- Asset Finance
- Get faster access to the equipment you need to make business happen. Our Asset Finance solutions make equipment financing more affordable by spreading the cost over an agreed period. It can also support businesses looking to refinance existing assets to support cashflow. With a range of flexible repayment options, Asset Finance protects your cashflow, giving you the freedom to grow your business at your own pace.
- Invoice Finance
- Invoice Finance enables you to access the value of outstanding customer invoices before they are due. We provide the funding and can offer an optional credit control service where we manage a tailored collections process on your behalf. Our XTRA Time facilities and Selective Bad Debt Protection product can provide peace of mind when you need it most.
- Multi-Product Solutions
- Multi-Product Solutions or as it’s formally known, Asset Based Lending (ABL) gives you access to vital funds by using your existing assets as collateral – from invoices and stock, to property and machinery. Our multi-product solutions can be tailored to address your unique requirements, whilst releasing a higher level of working capital than other forms of finance. A multi-product facility can help support your future business growth plans.
Contact info
The Square, Lower Bristol Road, Bath, BA2 3BH, Bath, United Kingdom
- hello@timefinance.com
- timefinance.com
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All the staff have been more than…
All the staff have been more than helpful and friendly from the very beginning of this journey with Time finance and continue to be so
Highly Recommended
Time Finance have provided us with excellent service over the past 2 years. Communication is second to none, queries are answered quickly and efficiently. We would highly recommend.
TF gives a service the High Street banks don’t! …
A very professional and empathetic service on a face to face basis.
Process to raise ID cash made easy and quick and on a competitive basis
Well done TF
A professional organisation
A professional organisation, friendly, supportive & efficient
We have been using Time finance for…
We have been using Time finance for Invoice factoring now for a few years. They are the best factoring service we have used. In particular I am very grateful for my operations manager Charlotte Holley. She has done so much for our business and she is an absolute pleasure to deal with. I would still like to have my day to day contact as Max Gregory. He was impressive. I have never ever dealt with anyone as efficient as him and I am unlikely to ever come across anyone like him again. I would do anything to have him back. However, all the staff at Time are lovely to deal with.
I would recommend Wayne Spratt and Time Finance
I would recommend Wayne Spratt and Time Finance to anyone looking to invoice finance.
Wayne was referred to me by a trusted accountancy. He visited the company and I was immediately at ease. Wayne was professional from this beginning right to our successful engagement with Time Finance. At each step to this Wayne was very supportive and continues to be so.
Poor communication!
Do not care about your health
Feel my mental health and physical health has not been thought about by this company. I made contact on the 8th September. Not follow up ignored. Emailed again the Monday 11th. No response but an auto reply saying 24/48hours. Called again13th. Told some horrendous news considering we are struggling. Told a complaint would be made. Asked for my personal bank details to look into my complaint. Provided and chased today all day. All managers tagged and no response from one person. I feel miss sold and let down by Time Finance. I explained some very personal details to then be ignored. Its awful service and would avoid if possible.

Reply from Time Finance
We have been clients of time finance…
We have been clients of time finance now for 7 years.
In that time we have always had invaluable support
when needed, helping the business grow and prosper.
The client team are always on hand when needed and very proactive ensuring any issues on a day to day basis are resolved promptly.
Fantastic!
We were introduced to Time Finance nearly 12 months ago & they have been amazing right from the start. Rob who set us up was great & explained everything & our relationship manager Adam has been fantastic & really helpful. If we have any issues or queries they are dealt with straight away. I would be more than happy to recommend them to anyone.
Very good apart from sometimes getting…
Very good apart from sometimes getting hold of any one on the phone

Reply from Time Finance
Fantastic service
Fantastic service. Always there when needed and quick to respond to any queries. Highly recommend.

Reply from Time Finance
We're been with Time and their…
We're been with Time and their predecessors for a number of years and have always received an excellent level of service. They understand the recruitment sector very well. I would highly recommend them.

Reply from Time Finance
Excellent company to deal with and…
Excellent company to deal with and always have our business at the heart of what they do for us. Their staff our also excellent and our relationship with our team is second to none.
Would recommend them to anyone without hesitation

Reply from Time Finance
I wanted to borrow quick and easy
I wanted to borrow quick and easy. I love these ladies in Roxboro, NC. They are great. Talked to me as a person. Was always polite whenever I called with questions. I had my money same day as applying. I was able to get my car fixed and back on the road because they took time for me. Thank you all.

Reply from Time Finance
This company is a fraud collecting money on second hire for indefinite period without communication.
This company is a fraud. We took furniture loan which we finished and they started charging us 2nd charge for 2 years without sending us intimation letter to cancel the direct debit or sending annual statement of deductions or a single email in that regards. Be very careful with this company. We complained but they said we signed the contract. which means when u borrow 3k from them. they can deducted the 2nd hire charges for lifetime of the account. without doing a single communication - no letters, emails or statements by the team which clearly shows their intension of stealing money quietly from people.

Reply from Time Finance
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