Time Finance has delivered a solid first-half performance for the six months to 30 November 2025, marked by record lending volumes and improved profitability. The company’s gross lending book rose to £235.3 million, its highest level to date, reflecting continued momentum in own-book lending and sustained demand from UK SMEs for asset and invoice finance.
Revenue increased to £18.8 million, up from £18.1 million in the prior year, while pre-tax profit climbed to £4.3 million, a 10 per cent rise. The profit margin also improved, supported by stronger lending yields and cost control. Earnings per share rose slightly to 3.7p, contributing to further growth in net tangible assets.
The group’s lending strategy remains focused on secured, own-book origination, which grew to £61.6 million in the period, an increase of over 20 per cent year-on-year. This shift continues to reduce the company’s reliance on brokered or back-book deals and improves overall margin quality. Asset finance and invoice finance accounted for most of this new lending, with both products benefiting from strong demand and established distribution channels.
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.
