Time Finance (LON:TIME) CEO Ed Rimmer explains how the business delivered record revenue and profit without increasing headcount, why hard asset finance and invoice finance are driving higher-quality growth, and how stable arrears, improving write-offs and £80m of funding headroom position the lender for the next phase of expansion.
Key Moments
00:14 — Record revenue and profit as margins rise to 22%
00:42 — New business up 26% with no increase in headcount
01:07 — Efficiency gains from the first year of the three-year plan
01:37 — Own-book origination rises 26% to £122m
02:06 — Hard asset finance remains the strategic focus
02:40 — Invoice finance benefits from SME working capital demand
03:10 — Stable arrears and improving bad debt write-offs
03:55 — Staying close to sectors the team knows well
04:48 — Multi-product deals strengthen security and recoverability
05:22 — £80m funding headroom and the next growth milestones
05:40 — The four metrics investors should watch from here
Time Finance provides finance solutions to UK SMEs, including asset finance, invoice finance, loans and vehicle finance, helping businesses access working capital, fund equipment and support growth.
