Time Finance — SME finance eligibility guide
Time Finance is a UK alternative lender providing asset finance, invoice finance and unsecured loans to SMEs.
- Official site:
- timefinance.com
- FCA reference:
- 313760
- Companies House:
- 02011366
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
- Amount range
- Up to 90% invoice advance
- Security / PG
- Typically secured against assets, property or invoices depending on product
- Speed
- Often within 24h post invoice
Data confidence
Medium confidence. Some figures on this page are summarised from public sources but not always disclosed in full by the lender. Confirm specifics with the lender before applying.
Some details are not publicly disclosed by Time Finance — verify directly before applying.
Products Time Finance offers
A summary of the Time Finance products tracked in the Lendrly database. Criteria can change and published ranges may differ for individual applicants. Always confirm with the lender before applying.
| Product | Category | Amount range | Min trading | Security / PG | Speed | Confidence |
|---|---|---|---|---|---|---|
| Invoice finance | Invoice Finance | Up to 90% invoice advance | Not disclosed | Invoice-backed — Security required | Often within 24h post invoice | Medium |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of Time Finance's products. This is educational guidance only and is not a quote or guarantee of approval.
Invoice finance
Invoice Finance
Source: View Time Finance's Invoice finance page on timefinance.com ↗— Time Finance UK invoice and asset finance pages.
Who Time Finance's Invoice finance may be suitable for
Time Finance's Invoice finance may be a possible fit when UK SMEs with invoice-led cashflow. Typical signals include b2b invoices, debtor book, 30–90 day terms, invoice-led cashflow gap.
Common blockers
- No B2B invoices
- Disputed invoices
- Poor debtor quality
- Insufficient invoice volume
Repayment
Time Finance structures repayment as: invoice-linked.
Speed to funding
Time Finance indicates speed to funding around: often within 24h post invoice. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
Security posture: invoice-backed. Tangible security is typically required.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with Time Finance. This is not a ranking and not a recommendation — eligibility, pricing and underwriting can differ substantially between providers. Review each lender individually.
Related guides
Educational explainers that pair well with Time Finance's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as Time Finance.
Keep exploring
Move up to broader categories, drill down to a specific sector, or browse related tools at this level.
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
Time Finance — data sources
Lendrly summarises publicly-available information from the lender pages listed below. Criteria can change without notice — always confirm directly with the lender before applying.
- Time Finance — Invoice financetimefinance.comTime Finance UK invoice and asset finance pages.
What this page is — and isn't
- Is: a plain-English summary of Time Finance's published eligibility signals, security posture, speed and product mix — written for UK SMEs trying to understand their funding options.
- Is not: a quote, a rate offer, an indication of approval, or regulated advice. Lendrly does not submit applications and is not a regulated credit broker.
- Always: confirm criteria, pricing and product availability directly with Time Finance on the official Time Finance site before applying.
Frequently asked questions about Time Finance
- What is the minimum trading history for Time Finance?
- Time Finance does not publicly disclose a minimum trading-history requirement. Some products may still favour established businesses — check directly with the lender.
- Does Time Finance require a personal guarantee?
- Time Finance does not publicly disclose personal guarantee requirements in a consistent way. PG is common across UK SME finance and may be requested — verify directly with the lender.
- What speed to funding does Time Finance publish?
- Published speed indicators for Time Finance include: Often within 24h post invoice. Actual time to funds will depend on documents, affordability checks and underwriting.
- What is Time Finance's minimum and maximum facility size?
- Time Finance's published amount ranges are limited or not publicly disclosed. Some facilities may scale with revenue, asset value or property security — check the product table above.
- What is Time Finance's published position on CCJs and adverse credit?
- Time Finance does not publicly state a position on CCJs. UK SME lenders typically assess CCJs case-by-case, and unsatisfied CCJs are commonly a blocker. Check directly with the lender if this applies to you.
Check whether Time Finance's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including Time Finance's. Educational guidance only — Lendrly does not submit applications on your behalf.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.