Time Finance is sharpening its focus on a multi-product lending model to drive growth and improve revenue stability. The strategy centres on offering asset finance, invoice finance and business loans to the same customers, increasing the value of each relationship rather than relying on new client acquisition alone.
By providing multiple funding solutions to a single borrower, the company can grow its loan book more efficiently and reduce churn. Clients using more than one product are typically more embedded, which may support repeat business and smoother income generation over time.
This model also has implications for risk. A broader relationship gives the lender greater visibility over a customer’s financial position, which can support more informed credit decisions. At the same time, exposure across different products may help diversify risk within the loan book, although it introduces additional operational demands.
The timing reflects current market conditions. Smaller businesses continue to face constrained access to traditional bank lending, creating ongoing demand for specialist finance providers.
Time Finance plc (LON:TIME) is an AIM-listed business specialising in the provision or arrangement of funding solutions to UK businesses seeking to access the finance they need to realise their growth plans. Time Finance can fund businesses or arrange funding with their trusted partners through Asset Finance, Invoice Finance, Business Loans, Vehicle Finance or Asset Based Lending.
