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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Review summary
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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
Hasn’t replied to negative reviews
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We have been working with Time Finance to review our new contract
We have been working with Time Finance for 8 years and although we have been looked after very well over those years, our new relationship manager, Kerry Hodgson, felt that a review of the renewable contract between us was warranted. I am very happy that we carried out this review and we have a new 2 year working relationship coming up with an introduction to the asset finance office. Kerry was very professional and knowledgeable during discussions and her experience was invaluable.

Reply from Time Finance
As a small construction business Time…
As a small construction business Time Finance has proven to be invaluable to us, using both their finance facility and their expertise. Over the past 7 years everyone we have dealt with at TF has always been helpful, professional and friendly. Specifically Charlotte Holley who has been our key point of contact and provides an exceptional service.
I would recommend Time Finance to anyone without hesitation.
They go the extra mile
Have been with Time Finance for years now and they are a great team, always there for you.
Special thanks to Kerry for her continued assistance and guidance
Can recommend them without hesitation.
The Time team have made our latest fund…
The Time team have made our latest fund raise easy. We have been well suppported throughout the process and unlike other funders The Time team have delivered everything that they promised and delivered it on time.
A great partnership
The team at Time Finance have provided us with an excellent service. They have become a crucial part of our business and we couldn't ask for a better partnership.
Thanks to everyone who has helped us over the past years - we would recommend Time Finance without hesitation.
Great Company and Amazing Account Managers
We have been using Time Finance for about 18 months now and I couldn't recommend them more. Our account manager Shauna is an absolute dream to work with. She is always reachable and helps us with any queries quickly and efficiently.
Time Finance helped so much
Having recently been part of a start up company, the help, professional advice and, input from Phil Chesham and his team was fantastic and, a great aid to us operating smoothly from day one.
Highly Recommended
We have a professional working relationship with Time Finance. Ace Recruitment has been made to feel welcome.
We have an excellent working partnership with both Paul Kimber and Cam our credit controller.
Highly recommend, they go up above and beyond to help us.
Excellent funder who I have nothing but…
Excellent funder who I have nothing but kind words to say. Our relationship manager Kristina is great to deal with and Alayne Critchley-Babapulle goes above and beyond to help us with queries and getting things resolved. I have absolutely no hesitation in recommending Time as an Invoice Finance company
Our first venture into the World of…
Our first venture into the World of Cash Flow Finance - we have been with Time Finance for 6 months now and our initial set up was seamless and sensitively overseen by Adrian Payne.
We were then handed over to Georgia as our Relationship Manager who has expertly guided us through with patience, knowledge and empathy.
Highly recommended we look forward to a long and mutually beneficial relationship between us.
We’ll always pick Time Finance as our…
We’ll always pick Time Finance as our first choice Funder with quick decisions and a personable team. A special thanks to Sarah Gomes who is fast and efficient with a friendly approach.
I would highly recommend Time Finance
I would highly recommend Time Finance, Kristina Circus was very professional and accommodating. She and the team really took time to help us understand the best way to use their invoice finance facility. 10/10 service.
Friendly and flexible service
Charlotte and the rest of the team have provided myself and the business with excellent service for several years. Friendly, flexible and open, I have found them to be a great partner.
We deal with Time on an almost daily basis and our interactions are efficient and effortlessly integrated in normal operations. Anything that is slightly outside the ordinary is handled with professionalism.
Excellent Friendly Service
All the people I deal with take time to get to know me and get to know my business. They are very proactive and professional. Always a rapid response if I have an issue or query. Would recommend them as providing a better service and understanding than any high street business bank. I think of them as part of my team.
Fantastic Business Partner & Customer Service
Our company has been making use of Time Finance's invoice discounting facility for many years now. I highly recommend them for their personal touch & fast turnaround times which is sometimes lacking from larger financial institutions. Kristina Circus and the rest of the team were fantastic increasing our facility on short notice recently & make an effort to understood our financing needs and work with us and our business.
Personal Service
In comparison to other larger finance companies we have dealt with in the past our experience is that Time Finance is a very personable organisation to deal with, very responsive and in tune with our specific business needs.
Professional Service, Competetive Rates,
Offered finance quickly, with a competetive APR and with excellent support to our business.
Would highly recommend.

Reply from Time Finance
working in Partnership
I have had an excellent service from the Time Finance team right from the top, from Directors to the whole team .
They have been very supportive during the challenging times and also advised us through the good times and critical times due to the unprecedented times we are all going through .
They are absolutely a partner and there are no words to express the lengths they go to to assist in everywhere within reasons and beyond the boundary.
I cannot wish for a better partner and a dedicated finance team .

Reply from Time Finance
As an introducer to Time we have worked…
As an introducer to Time we have worked with Dan since he joined and have always had a great experience. Dan works diligently to ensure the service we receive is of the highest standard. Would highly recommend.

Reply from Time Finance
Time Finance!
We have been using Time Finance over the last 3 years and no have Dan as our BDM, he is always on hand to talk through a deal and will push to get the best deal and rates for our client. They are quick and easy to use and all the staff there are always on hand and helpful, even with the trickier deals! Looking forward to working with them a lot more in the future.

Reply from Time Finance
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