Time Finance Review

Item: Time Finance Business Finance
Author: Lendus

Figures last checked 23 August 2026. Independent review by Lendus — we are an introducer, not a lender, and are not paid by Time Finance.

What does Time Finance offer UK businesses?

Time Finance does not offer a direct lending product. Priced per deal. Figures checked 23 August 2026 and indicative only.

Time Finance plc is a Bath-based UK commercial finance provider, listed at Companies House as an active public limited company, previously 1pm plc and renamed in December 2020. It provides asset finance and wider business finance to UK SMEs. Lendus has not confirmed its current rates, approval times or regulatory permissions from a primary source, so none are stated here. Check the FCA Register at register.fca.org.uk and confirm terms with the provider directly.

Written by the Lendus editorial team. Last updated: April 2026.

Amount

£5k – £500k

Rates

N/A – N/A

Priced per deal; no public rate card

Speed

Not confirmed; Lendus could not access the lender's website to verify this during research.

What is Time Finance?

Time Finance (Time Finance plc (Companies House record; formerly 1pm plc until December 2020)) is a UK-based business finance provider founded in 2006 and headquartered in Bath. Time Finance plc is a Bath-based UK commercial finance provider, listed at Companies House as an active public limited company, previously 1pm plc and renamed in December 2020. It provides asset finance and wider business finance to UK SMEs. Lendus has not confirmed its current rates, approval times or regulatory permissions from a primary source, so none are stated here. Check the FCA Register at register.fca.org.uk and confirm terms with the provider directly. .

Founded 2006 Bath Regulatory details being re-verified. Check the FCA Register before relying on them.

Where these details come from

Companies House number: find-and-update.company-information.service.gov.uk , checked 2026-08-23

Rates and costs

Rate range: N/A – N/A (Priced per deal; no public rate card)
Representative APR: Not confirmed. Lendus could not access Time Finance's website to check for a published representative APR.
Amount range: £5,000 – £500,000
Approval speed: Not confirmed; Lendus could not access the lender's website to verify this during research.

Eligibility requirements

Minimum trading history: Not confirmed; Lendus could not access the lender's website to verify this during research.
Minimum turnover: Not confirmed; Lendus could not access the lender's website to verify this during research.
Credit requirements: Not confirmed. Lendus was unable to load Time Finance's website during research on 2026-08-23 to check its published credit criteria; this section should be verified directly with the lender before publishing further detail.

How to apply

Check eligibility through Lendus, answer a few questions about your business and funding needs (2 minutes)

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Pros and cons

Pros

Confirmed as an active, long-standing public limited company at Companies House (registered since 2006, formerly 1pm plc)

Cons

Lendus could not independently verify current product terms, rates or FCA status from the lender's own website as of 2026-08-23
This record is marked unverified and needs a human follow-up check before being treated as complete

Is Time Finance right for you?

Best for

Not confirmed pending verification of current product details.

Not ideal for

Not confirmed pending verification of current product details.

Frequently asked questions about Time Finance

Is Time Finance legit?

Time Finance plc is confirmed as an active public limited company at Companies House (company number 05845866), previously registered as 1pm plc until December 2020. Lendus could not access the lender's own website during research on 2026-08-23 to confirm further detail such as its FCA firm reference number, so this profile is currently marked unverified pending that check.

Is Time Finance FCA regulated?

Lendus has not been able to confirm Time Finance's specific FCA firm reference number from a primary source, because the lender's website could not be reached during this research pass. This should be verified directly with the lender or the FCA Register before relying on any regulatory claim.