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Time Finance

Venture debt

Bath · 35 people tracked

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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.

Invests inFintechUnited Kingdom

Source: firm website, verified Aug 3, 2026.

HQ
Bath, GB
Instruments
Debt

Team · 35 people

from the firm's website
Ed Rimmer· CEO

CEO 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.

James Roberts· CFO

Qualified accountant and CFO who has held leadership roles at several AIM-listed companies, with significant M&A experience in fast-growing businesses.

Abbie Mosley· Broker Manager

Has over 2 years of experience in client-facing and supplier management roles, building broker relations in the North of England.

Andrew Maude· Regional Sales Manager

Has 8 years of experience as an area sales manager at Close Brothers and now grows the vendor channel in the South.

Andy Hume· Head of Sales (North), Invoice Financein

Has over 16 years in the invoice finance sector, delivering funding solutions to UK businesses.

Caroline McDonald· Head of Marketingin

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.

Claudia Ritchie· Compliance Managerin

Compliance Manager overseeing the company's compliance framework, regulatory adherence, and internal controls and risk management.

Fozia Riaz· Head of Business Improvementin

Head of Business Improvement with over 20 years in invoice and asset finance, delivering CRM, change and business improvement projects.

Greg Hussey· Head of Risk - Invoice Financein

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.

Helen Wheeler· Head of Operations - Invoice Financein

Head of Operations for Invoice Finance with over 25 years of experience, overseeing operations to deliver invoice finance services to UK business owners.

Julian Cassen· Business Development Manager

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.

Kelly Johnson· Business Development Manager

Has 7 years of invoice finance experience, previously at Novuna, and works across Shropshire, Cheshire and the West Midlands.

Laura Dun· Head of HRin

Head of HR responsible for attracting and retaining talent, fostering an inclusive culture, and supporting managers and their teams.

Laura Mollett· Head of Broker Salesin

Has over 14 years of experience and manages the national team of Broker Managers, driving the asset finance proposition to the SME broker market.

Lucy Oakenfull· Broker Manager

Has over 11 years of business finance experience and supports broker development across the South and South East of England.

Mark Anderson· Vehicles General Managerin

Vehicles General Manager with two decades in the vehicle finance industry, responsible for the Fleet Management team.

Matthew Graham· Head of Vendor Salesin

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.

Michael Freebury· Head of Sales (South West & Wales), Invoice Financein

Has over 30 years in the invoice finance industry, providing tailored solutions to SMEs across the South West and Wales.

Michael Tyler· Senior Broker Manager

Has a decade-long career in asset finance and supports broker relations across the South and South West.

Paul Hird· Non-Executive Director

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.

Paul Rice· Business Development Manager

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.

Phil Chesham· Managing Director - Invoice Financein

Managing Director of Invoice Finance with over 30 years in the sector. Co-founded Positive Cashflow Finance, acquired by Time Finance in 2017.

Rob Walters· Business Development Manager

Has over 25 years of industry experience and works with introducers across the North of England, focusing on Lancashire and Cumbria.

Sharon Bryden· Group Head of Operationsin

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.

Simon Holian· Business Development Manager

Has over 10 years of industry experience in invoice finance and works with introducers across North Wales and Merseyside.

Sion Street· Business Development Manager

Has over 2 years of invoice finance experience, previously at Bibby Financial Services, building an introducer network across Wales and the South West.

Sophie Aitken· Broker Manager

Has over 10 years in financial services and works with a network of brokers to increase lending volume across the South.

Steve Nichols· Managing Director - Asset Financein

Managing Director of Asset Finance with over 16 years in commercial finance, focused on delivering asset finance solutions to support business growth.

Tanya Raynes· Non-Executive Chair

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.

Tariq Bourdouane· Business Development Manager

Has over 17 years of experience packaging funding solutions and works with introducers across the North West of England.

Terry Wolfendale· Head of Sales (South), Invoice Financein

Experienced in the invoice finance market, responsible for developing the firm's invoice finance presence across London and the South East.

Tom Ludden· Business Development Manager

Has over 20 years in financial services, previously at Bibby Financial Services and Ultimate Finance, developing intermediary relationships across the Midlands and East Anglia.

Tracy Watkinson· Non-Executive Director

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.

Vajinder Bal· Broker Manager

Has almost 20 years of financial services experience, working with brokers to support businesses with asset finance solutions.

Wayne Spratt· Business Development Manager

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 team

Time 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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