The client is a specialist provider of cashless payment and machine management solutions to the UK land-based gaming industry, supporting operators with technology that improves control, efficiency, and player experience. The business services venues across the country. It offers integrated systems that help streamline operations and revenue management.
The Opportunity
This opportunity was introduced to Momenta Finance by broker Jack Weston of Portman Finance Group and was led by Sales Director, Tom Shave.
The company is entering a new phase of growth, with a pipeline of upcoming projects aimed at enhancing its platform, broadening its service offering, and deepening relationships with existing and new gaming operators. To capitalise on these growth opportunities and strengthen its market position, the business required additional capital. This was to invest in these projects while maintaining day-to-day working capital headroom.
Momenta Finance’s Solution: Leveraging our £125m Forward Flow Facility
Following the recent announcement of our £125m forward flow facility with a leading global investment bank, Momenta Finance has significantly enhanced its capacity to support SMEs. We are now offering interest rates starting from 7% per annum, alongside extended loan tenors. This institutional backing allowed us to assess this client under our newly launched tiered structure. It is designed to bridge the gap from high-street banks to alternative lenders. By utilising our streamlined single-application workflow, we were able to offer the client the most competitive terms. There is no need for the broker to pre-judge eligibility.
The terms provided:
- Loan amount: £125,000
- Loan term: 72 months
- Pricing: Secured at a competitive Tier 1 rate
- Loan type: Unsecured business loan
- Special feature: No early or over repayment fees
The funding is structured to provide the borrower certainty over repayments across a six-year term, without needing tangible security. This approach enables the business to commit to its project roadmap. At the same time, the company can retain flexibility to respond to further opportunities in a dynamic market.
The Outcome
By securing growth capital on an unsecured basis via Momenta’s new Tier 1 structure, the company is well-positioned to scale its footprint in the UK land-based gaming sector. It can strengthen existing partnerships and continue investing in technology that supports long-term, sustainable growth.
The Introducer’s Perspective
“Tom Shave and Momenta Finance were quick to understand the client’s business model and the growth potential in their niche market. The unsecured structure and competitive terms gave my client the confidence to press ahead with their expansion plans immediately.”
– Jack Weston, Portman Finance Group
Portman Finance Group is a specialist commercial finance provider supporting UK businesses with access to a broad range of funding solutions. As a hybrid broker and lender, Portman works with a wide panel of funding partners as well as providing its own facilities, helping clients secure asset finance, lease and hire purchase arrangements, and business loans tailored to their needs. The team focuses on personal service, with dedicated account managers who take time to understand each business, structure appropriate facilities and move quickly from proposal to approval. This means that clients can execute their plans without delay.
This landmark transaction will enable Momenta to launch an innovative, streamlined tiered loan structure designed to scale origination across its core SME lending offering. The new structure complements Momenta’s existing product mix and helps bridge the gap left by high-street banks.
Momenta will now be able to offer loans with interest rates starting from just 7% per annum, alongside extended tenors. With this enhanced suite of products, the company is well positioned to compete more effectively with industry leaders in the SME lending space and to continue fulfilling its mission of being a leading provider of capital to the sector.
New Leadership Driving Growth
This major strategic milestone is delivered under the guidance of Momenta’s recently appointed executive leadership team, who are steering the company on its ambitious growth journey.
Tim Boag, who assumed the role of Chief Executive Officer in 2025, brings over 35 years of financial services experience. His career includes senior positions at RBS and NatWest, and most recently, he served as Group Managing Director of Business Finance at Aldermore Bank.
His vision to scale the platform is supported by Chris Forrest, the recently appointed Chief Commercial Officer. Formerly Head of SME at Barclays UK, Chris’s deep expertise in funding SMEs is central to Momenta’s strategy of strengthening intermediary relationships and expanding distribution.
“This is a pivotal moment for Momenta Finance and, more importantly, for the brokers and SMEs we serve. We are delivering institutional power with the agility of an alternative lender, ensuring that UK businesses can access the right capital, at the right price, exactly when they need it.”
– Tim Boag, CEO of Momenta Finance
Additionally, Jonathan Stern, Chief Financial Officer at Momenta Finance, said:
“This new facility represents an important step forward in Momenta’s growth journey and directly supports our strategic ambition to become an alternative lender across multiple SME-focused products with an exceptional roster of institutional funding partners.”
Streamlined Operations for Brokers
The launch reinforces Momenta’s position as a broker-centric lender. The new structure utilises a single-application workflow, removing the need for brokers to pre-judge a client’s eligibility. Momenta will assess the application and offer the most competitive tier available based on the trading history and asset profile.
The new tiered pricing and extended terms are effective immediately for all new business loan applications.
About Momenta Finance
Headquartered in London, Momenta Finance is a leading provider of alternative business and property finance, offering borrowers and brokers fast access to tailored solutions across the UK. With funding lines from respected banking partners and a proven track record since 2013, Momenta Finance is committed to transparency, agility, and client-focused service.
Ayesha brings a wealth of experience from the banking sector, having spent over three years at Metro Bank as a Relationship Business Manager. During her tenure, she focused on supporting SME and commercial clients with bespoke banking services. She was responsible for managing and growing a diverse portfolio, achieving success through the development of long-standing, trusted relationships and a deep understanding of her clients’ operational needs.
In her previous roles, Ayesha became known for her relationship-led and commercially focused approach. She has a proven track record of advising on complex lending while working closely with key business influencers, including accountants and brokers, to support sustainable business growth.
Now at Momenta Finance, Ayesha will leverage her deep SME banking expertise and extensive introducer network to support brokers and their clients. Her primary focus will be on building trusted partnerships and delivering flexible funding structures that help businesses thrive.
Chris Forrest, CCO of Momenta Finance, commented:
“We are thrilled to welcome Ayesha to the team. Her background in managing commercial portfolios and her dedication to a relationship-first approach align perfectly with our values. Ayesha’s expertise in the SME space will be instrumental as we continue to expand our reach and provide certain, transparent funding to the market.”
For brokers and introducers looking to partner with a BDM who understands the intricacies of SME growth and commercial lending, Ayesha is ready to assist.
Connect with her today: ayesha.butt@momentafinance.co.uk
About Momenta Finance
Momenta Finance is a leading provider of alternative finance solutions headquartered in London, United Kingdom. Established in 2013, Momenta offers a range of lending options, including unsecured and secured business finance, as well as bridging. The company’s commitment to transparency, tailored and credible funding has made it a trusted partner for businesses seeking financial support. Momenta Finance is accredited by the British Business Bank and upholds the highest industry standards.
A growing UK domiciliary care provider has secured funding through the government-backed Growth Guarantee Scheme to support its next phase of expansion. The business delivers essential home care services that enable people to live independently in their own homes. It is now focused on accelerating growth as it moves into 2026.
The Opportunity
To scale effectively, the provider identified a need to strengthen its sales and marketing activity. Increased investment in brand visibility, digital presence and referral generation is central to reaching more service users. This will also help with winning additional care packages. A growth-focused funding solution was required to support these initiatives. At the same time, it was necessary to maintain high standards of care and day-to-day operational stability.
Momenta Finance’s Solution
Introducer Sam Jeeves, Director at Bespoke Commercial Finance, partnered with Momenta Finance to source an appropriate facility. Working closely with the client and Sales Director Jeremy Crinall was pivotal. As a result, a structured Growth Guarantee Scheme loan was designed around the provider’s growth plans.
The facility provides the business with dedicated capital to invest in sales and marketing. This will support a planned and sustainable increase in demand.
The Outcome
With funding in place, the domiciliary care provider can now implement its growth strategy with confidence. It can increase outreach, strengthen its pipeline and reach more individuals who require support at home. The facility underpins long-term expansion plans. Furthermore, it positions the business to enter 2026 with a stronger market presence and a clear route to scale.
The Introducer’s Perspective
“By combining the benefits of the Growth Guarantee Scheme with a clearly defined growth plan, Momenta Finance provided our client with the confidence and capital they needed to invest in their future. The collaborative approach working with Jeremy ensured the funding was aligned with both their operational needs and long-term ambitions.”
– Sam Jeeves, Bespoke Commercial Finance
Bespoke Commercial Finance is an independent commercial finance broker supporting UK businesses with tailored funding solutions across a wide range of sectors. The team works with multiple lenders, from high street banks to specialist providers. In particular, they structure facilities that match each client’s specific requirements, whether for growth, working capital, assets or property. With a focus on clear advice, choice and competitive terms, Bespoke Commercial Finance helps business owners secure the funding they need. This enables them to move forward with confidence.
What is Bridging Finance?
Bridging loans, also known as bridging finance or short-term property loans, are a key solution for individuals and businesses who cannot secure traditional bank finance quickly enough to seize a property opportunity. Bridging loans are designed for speed and flexibility, enabling swift access to funds for residential bridge loans, commercial property bridging, auction purchases, refurbishment loans, and development finance.
The UK bridging loan market has evolved significantly over the last 60 years. According to West One, In 2024, over 150 bridging lenders completed deals totalling £7.34 billion, with this figure expected to rise to nearly £9.46 billion in 2025. As bridging finance has grown, so too has the diversity of uses and specialist products on offer.
When is a Bridging Loan Used?
Bridging loans are typically used when time is of the essence or when a unique opportunity exists that mainstream banks cannot service quickly or flexibly. Common use cases include:
- Auction finance: Securing property quickly in competitive bidding environments
- Residential or commercial property purchases: Acting fast when traditional mortgage finance is unavailable
- Refurbishment finance: Funding upgrades or conversions to increase property value
- Development finance: Providing capital for ground-up construction or property conversion
- Below Market Value (BMV) purchases: Purchasing property at a discount, where the lender advances against the open market value, often resulting in high loan-to-purchase price ratios
At Momenta Finance, we offer bridging finance solutions that support a wide range of scenarios. For example, for BMV transactions, our underwriting allows us to lend against the market value instead of the purchase price, which can help fund more of the purchase price than otherwise possible, provided our loan-to-value (LTV) criteria are met.
Bridging loans are also well-suited for unique circumstances such as distressed sales, probate sales, inter-family transfers, or vendor-assisted transactions, including situations where a vendor provides a loan to the buyer to facilitate completion.
How Does Bridging Development Finance Work?
Development bridging finance is a specialist product for experienced property investors and developers. We typically require that applicants are property owners with a proven track record. Lending limits are assessed based on project details: up to 70% of the Gross Development Value (GDV) and 85% of the total cost. While these limits may restrict the total funding available, they help ensure sustainable lending and project viability.
If a project needs additional time to market or complete a sale after the development phase, we also provide development exit bridging loans, offering up to 75% LTV. This solution gives developers breathing room to maximise returns rather than facing pressured sales or refinancing elsewhere.
Why Should You Use a Broker for Bridging Loans?
Brokers specialising in bridging loans and property finance can add significant value. An experienced broker can compare bridging loan rates, assess lender criteria, and prepare accurate development finance appraisals to help clients understand the true cost of borrowing and ensure a realistic, profitable outcome.
Where to Get a Bridging Loan
There are now over 150 active bridging lenders in the UK, including trusted specialist lenders like Momenta Finance. It is crucial to choose a bridging finance provider who offers transparency, speedy decision-making, and a product range that covers key needs: residential bridging loans, commercial bridging loans, auction finance, refurbishment and development bridging, as well as more bespoke solutions.
A Word From Our Team
“As property professionals today face so many unique scenarios, the right bridging loan can be transformative—helping clients seize opportunities quickly, overcome funding gaps, and move complex deals forward. At Momenta Finance, our approach is always solution-driven, pairing market knowledge with flexibility to deliver tailored bridging finance for every situation. Our team is here to help brokers and their clients achieve the results that drive real property progress.”
– Andrew Gagan, Sales Director (Real Estate), Momenta Finance
Get in Touch
At Momenta Finance, we combine decades of property finance experience with a can-do approach to short-term property lending. Whether your client is seeking the best bridging loan rates, needs advice on an auction purchase, or requires a bespoke development finance structure, we are here to help.
Contact your dedicated property finance specialist at Momenta Finance today to maximise your client’s property opportunities with fast, flexible bridging loans.
Andrew brings 25 years of experience across banking and specialist real estate finance. He began his career at NatWest/RBS, where he spent 16 years in a range of senior roles, including real estate finance, before transitioning into the specialist lending market.
Andrew has since held senior business development and leadership positions at Mint Bridging, Vitvo, and Acre Lane Capital, where he spent eight years as Sales Director, delivering bridging, development, and ground-up funding solutions.
Now Sales Director for Real Estate at Momenta Finance, Andrew will work closely with brokers and borrowers to structure pragmatic, execution-focused funding across bridging, development, ground-up schemes, and real estate throughout England, Wales, Scotland, and Northern Ireland.
“Andrew’s extensive background and proven leadership in property finance make him a perfect fit for Momenta Finance. We’re confident that his expertise will help us deliver even more tailored solutions to our clients and drive our business forward,” said Chris Forrest, CCO of Momenta Finance.
For introducers looking to connect with a seasoned professional who understands the nuances of the property industry, Andrew is the go-to person. Connect with him now here: andrew.gagan@momentafinance.co.uk.
About Momenta Finance
Momenta Finance is a leading provider of alternative finance solutions headquartered in London, United Kingdom. Established in 2013, Momenta offers a range of lending options, including unsecured and secured business finance, as well as bridging. The company’s commitment to transparency, tailored and credible funding has made it a trusted partner for businesses seeking financial support. Momenta Finance is accredited by the British Business Bank and upholds the highest industry standards.
Business Highlights and Awards
Over the past 12 months, Momenta Finance has reached several pivotal milestones, with 2025 marking a record year for lending as we supported more clients than at any other point in our history. We also secured an enhanced funding facility with Shawbrook Bank. This upsized £50 million line, coupled with a three-year extension, has significantly bolstered our capacity to support UK property lending and underscores the confidence our funding partners have in our robust business model.
Our commitment to excellence was also recognised by the industry. We were proud to be ‘Commended’ in both the Best Business Loan Provider and Best Alternative Business Funding Provider categories at the Business Moneyfacts Awards 2025. Furthermore, ending the year on a high note, we were shortlisted for ‘Unsecured Lender of the Year’ at the NACFB Commercial Lender awards in November.
Success Stories
Our core mission remains supporting UK SMEs with tailored financial solutions. throughout 2025, we have worked closely with our network of introducers to deliver funding across a diverse range of sectors.
The speed and flexibility of our team remain our greatest assets. Reflecting on a complex development refinance, Jenna O’Sullivan of Henray Capital noted, “Momenta Finance impressed us with how rapidly they structured a comprehensive solution, enabling seamless refinancing.” This ability to move at pace was echoed by Myles Smyth at TSF Finance, who described our competitive offering for a North East fire protection firm as “second to none” in the market.
Whether it was funding yard refurbishment for landscape contractors or growth capital for London-based consultancies, our focus has been on balancing “flexibility with affordability.” As Sean Thorogood of British Business Funding observed, our collaborative approach ensures that clients secure terms that “fully support their ambitions” without the constraints of traditional lending.
Team Growth and Community Engagement
2025 was a year of significant leadership appointments. In September, we welcomed Tim Boag as our new Chief Executive Officer to drive our ambitious growth trajectory. This was followed by the appointment of Chris Forrest as Chief Commercial Officer, further strengthening our commercial strategy.
We also continued our active engagement with the broker community, with our stand at the NACFB Commercial Finance Expo in June serving as a vibrant hub for connecting with partners and discussing the future of commercial finance. Our Business Development Managers continued to perform strongly within the broker community, engaging them at multiple events. These touchpoints have deepened relationships with partners and introducers and ensured we remain closely aligned with current industry trends.
Looking Forward
The successes of 2025 have set a strong platform for the future. With a strengthened leadership team, increased funding capacity, and a proven track record of delivery, we are excited about the opportunities 2026 will bring. We remain committed to maintaining the high standards of transparency and tailored funding that have made us a trusted partner for businesses across the UK.
”Our people-centric approach enables us to support brokers, and ultimately businesses, who require flexibility and speed from their lenders. We have made significant progress in 2025, and I am looking forward to 2026, which will be a transformational year for Momenta.“
– Tim Boag, CEO
To our introducers, partners, and clients, thank you for your continued trust and collaboration.
A well-known landscape maintenance contractor in the agriculture sector required a flexible funding solution. This was to undertake a major upgrade to their external yard facilities. Operating within a highly competitive market, the business identified an urgent need to refurbish approximately one acre of external space. This was to enhance both operational efficiency and site security.
The Opportunity
The client sought to invest in a comprehensive refurbishment of their existing yard. This included new fencing, gates with automation, improved drainage, upgraded lighting, enhanced security features, and renewed surfacing. These upgrades were needed to support ongoing operations, maximise asset protection, and improve site logistics. All were essential to deliver reliable service for their client base.
Momenta Finance’s Solution
Introducer Steve Gomes of AFS member Amiga Finance worked in partnership with Business Development Manager Ronan Carter at Momenta Finance. They assessed the contractor’s requirements and structured a tailored unsecured business loan.
- Loan amount: £300,000
- Loan term: 72 months
- Special feature: No early or exit repayment fees, offering total flexibility for future settlement
The solution allows the business to proceed with the yard upgrade without diverting capital from its core operations.
The Outcome
With funding in place, the contractor is now refurbishing the external yard to a modern standard. This strengthens site management and security. The flexible facility addresses all aspects of the project, providing the financial certainty required to deliver improvements smoothly and efficiently.
The Introducer’s Perspective
“It was a smooth and straightforward experience working with Momenta Finance and Ronan Carter throughout the process. Their collaborative approach and flexible funding package, including no early repayment fees, gave our client confidence to invest in their infrastructure and drive the project forward without constraint.”
– Steve Gomes, AFS member Amiga Finance.
Conclusion
This case demonstrates how Momenta Finance supports UK agriculture and landscape contractors with bespoke unsecured loan solutions. Our flexible approach, combined with dedicated business development support from experts like Ronan Carter, helps facilitate essential upgrades. It also ensures companies can grow and adapt to evolving business needs.
Established in 2017, Amiga Finance proudly supports UK businesses. We are dedicated to providing you with the financial support your business needs to grow. Over the years we have built a trusted reputation with our clients, our funders, and our strategic partners.
With over 50 years of industry experience, we help businesses navigate the complexities of financial products. Our expertise ensures you fully understand the pros and cons of each option, enabling you to make informed decisions. Through tailored funding solutions such as seasonal payments or lower upfront deposits, we prioritise cash flow making finance more manageable.
By understanding your ambitions and goals, we foster long-term relationships that support your business at every stage.
At Amiga Finance, we go beyond transactions, we build partnerships.
Amiga Finance Limited is an independent asset finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Amiga Finance Limited will receive payment(s) in the form of commission from the finance provider if you decide to enter into an agreement with them. We work with both discretionary and non-discretionary commission models. Commission payments are factored into the interest rate you pay.
Amiga Finance Limited is an Appointed Representative of AFS Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority FRN: 625035
Late July saw one of our trusted introducers approach Momenta Finance. They needed to provide a fast and effective finance solution for their client. The client faced an approaching redemption date on an existing loan with another lender. Moreover, they required additional funds to complete their ongoing development project. An existing mezzanine loan was also in place.
The Opportunity
The client needed to refinance an existing loan and secure additional capital for the remaining works. The challenge was to structure a solution swiftly without disrupting the existing mezzanine finance, while satisfying the previous lender’s timeline.
Momenta Finance’s Solution
Momenta Finance worked closely with the introducer and client. They structured a development bridging facility that addressed both the immediate redemption requirement and the ongoing funding needs for the project’s completion. A bespoke finance solution was structured to repay the existing lender in full. Additionally, it provided the necessary capital to complete the remaining development works. The loan included provisions to retain the client’s existing mezzanine facility. This was successfully subordinated as a second charge behind Momenta Finance’s new first charge. Legal and due diligence processes were completed within just four weeks. This allowed the transaction to complete in time to satisfy the outgoing lender’s deadline. Consequently, the client could proceed uninterrupted with the next phase of development.
Loan Type: Development Bridging
Loan Amount: £2,600,000
Loan Term: 12 months
The Outcome
The refinancing allowed the client to meet obligations to their existing lender on time. Also, it enabled them to continue progressing their development project without interruption. Maintaining the mezzanine loan alongside the new facility ensured financial continuity and flexibility. This deal highlights Momenta Finance’s expertise in structuring complex property development finance. It is delivered with speed and precision.
The Introducer’s Perspective
“Our client was under pressure to refinance quickly but maintain their mezzanine structure. Momenta Finance impressed us with how rapidly they structured a comprehensive solution, enabling seamless refinancing and funding for works continuation.”
– Jenna O’Sullivan of Henray Capital.
Simon Michael, Senior Property BDM, Momenta Finance, concluded:
“This development refinance project exemplifies our commitment. We provide tailored financing solutions that meet urgent client needs amid complex capital arrangements. We work closely with brokers and clients to deliver swift, strategic funding. This keeps projects on track and unlocks growth.”
The enhanced partnership will drive further origination across a comprehensive suite of property-backed finance solutions. Loans funded by the Shawbrook facility can address property purchase, refurbishment, construction, and bridging requirements for both commercial and residential assets.
This expansion follows a year of strong growth, reinforcing Momenta Finance’s commitment to serving property developers, investors, and business owners nationwide with transparent, tailored, and competitive lending solutions. With the facility now running through 2028, Shawbrook’s continued support underscores its confidence in Momenta Finance’s specialist team and robust risk management.
Commenting on the extension, Liam McGall and Warren Mutch from Shawbrook said: “We are pleased to extend our funding line for Momenta Finance by a further three years and increase its capacity to £50 million. This transaction reflects our confidence in Momenta Finance’s track record, management team and their presence in the market. The enhanced facility supports continued growth plans and expands upon our successful partnership to date”
“We are delighted to have extended and upsized our facility with Shawbrook, one of our long-standing funding partners. This facility enables us to pursue our growth ambitions with confidence and certainty, in the knowledge that we will continue to deliver for our intermediaries and customers alike.”
– Tim Boag, CEO of Momenta Finance
About Momenta Finance
Headquartered in London, Momenta Finance is a leading provider of alternative business and property finance, offering borrowers and brokers fast access to tailored solutions across the UK. With funding lines from respected banking partners and a proven track record since 2013, Momenta Finance is committed to transparency, agility, and client-focused service.
