Time Finance
Venture debtBath · 35 people tracked
Investment thesis
Time Finance offers flexible funding to British SMEs through asset finance, invoice finance, vehicle finance and business loans. It positions itself as a provider of working capital and equipment/asset financing, helping business owners manage cash flow, invest in vital equipment, refinance existing assets, and fund growth. The firm emphasizes expertise, flexibility, local teams and customer service.
Source: firm website, verified Aug 3, 2026.
Team · 35 people
from the firm's websiteCEO with over 20 years in commercial finance; previously Time Finance's COO until April 2020, having joined the Group in 2017 as Managing Director of its Commercial Finance Division.
Qualified accountant and CFO who has held leadership roles at several AIM-listed companies, with significant M&A experience in fast-growing businesses.
Has over 2 years of experience in client-facing and supplier management roles, building broker relations in the North of England.
Has 8 years of experience as an area sales manager at Close Brothers and now grows the vendor channel in the South.
Head of Marketing with over 20 years in business finance, having held senior marketing roles at funders including Aldermore and Catalyst Business Finance, with a B2B lending background.
Compliance Manager overseeing the company's compliance framework, regulatory adherence, and internal controls and risk management.
Head of Business Improvement with over 20 years in invoice and asset finance, delivering CRM, change and business improvement projects.
Head of Risk for Invoice Finance with over 30 years in the industry, responsible for the group's risk strategy and managing the risk team.
Head of Operations for Invoice Finance with over 25 years of experience, overseeing operations to deliver invoice finance services to UK business owners.
Has over 30 years in invoice finance, previously at RBS, Aldermore, Lloyds Bank and Ultimate Finance, working with brokers across London and the South East.
Has 7 years of invoice finance experience, previously at Novuna, and works across Shropshire, Cheshire and the West Midlands.
Has over 14 years of experience and manages the national team of Broker Managers, driving the asset finance proposition to the SME broker market.
Has over 11 years of business finance experience and supports broker development across the South and South East of England.
Vehicles General Manager with two decades in the vehicle finance industry, responsible for the Fleet Management team.
Has over 18 years of experience in asset finance and leads the firm's vendor channel, partnering with suppliers to offer point-of-sale funding.
Has over 30 years in the invoice finance industry, providing tailored solutions to SMEs across the South West and Wales.
Has a decade-long career in asset finance and supports broker relations across the South and South West.
Joined Time Finance in September 2023 as a Non-Executive Director, bringing over 45 years in financial services including CEO roles at an AIM-quoted start-up and a subsidiary of an overseas bank. Sits on the Audit, Remuneration, Nominations and Governance & Risk Committees.
Has over 25 years in financial services, previously at Aldermore, Bibby Financial Services and RBS Invoice Finance, providing invoice finance to SMEs across the South.
Managing Director of Invoice Finance with over 30 years in the sector. Co-founded Positive Cashflow Finance, acquired by Time Finance in 2017.
Has over 25 years of industry experience and works with introducers across the North of England, focusing on Lancashire and Cumbria.
Group Head of Operations with over two decades in the industry across loans and invoice finance, experienced in delivering secured lending facilities to UK SMEs.
Has over 10 years of industry experience in invoice finance and works with introducers across North Wales and Merseyside.
Has over 2 years of invoice finance experience, previously at Bibby Financial Services, building an introducer network across Wales and the South West.
Has over 10 years in financial services and works with a network of brokers to increase lending volume across the South.
Managing Director of Asset Finance with over 16 years in commercial finance, focused on delivering asset finance solutions to support business growth.
Held senior executive roles across blue-chip corporates and SMEs, including CEO of Centreline, and is currently Non-Executive Chair of parent company Pula Aviation Services.
Has over 17 years of experience packaging funding solutions and works with introducers across the North West of England.
Experienced in the invoice finance market, responsible for developing the firm's invoice finance presence across London and the South East.
Has over 20 years in financial services, previously at Bibby Financial Services and Ultimate Finance, developing intermediary relationships across the Midlands and East Anglia.
Joined Time Finance in September 2023 as a Non-Executive Director. Currently COO of Finance at NatWest Group, she has over two decades in financial services with prior roles at Barclays, UBS and Credit Suisse, plus previous NED and chair positions.
Has almost 20 years of financial services experience, working with brokers to support businesses with asset finance solutions.
Has over 20 years of financial services experience and establishes an introducer network in Yorkshire and the North East.
Frequently asked questions
- What sectors does Time Finance focus on?
- Time Finance focuses on Fintech.
- Where is Time Finance located?
- Time Finance is headquartered in Bath, GB.
Media · Podcasts & interviews
featuring the teamTime Finance: 2025 Final Results Interview with James Roberts (CFO) - YouTube
Justin Waite · James Roberts
Time Finance (TIME) - Ed Rimmer, CEO & James Roberts, CFO - YouTube
Shares Magazine · Ed Rimmer
Time Finance PLC Strong Growth and Strategic Progress: A Message from CEO Ed Rimmer
Ed Rimmer
An Introduction to Time Finance
Time Finance
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