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.
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.
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.
A thriving education and training consultancy based in London specialises in agile training and consultancy around Microsoft services. It has taken a decisive step towards expansion. The company offers expert guidance to help clients sell, achieve certification, and adopt Microsoft technologies. They deliver dynamic solutions at the intersection of learning and IT.
The Opportunity
With new ideas and strategic projects on the horizon, this business sought an injection of capital to fuel ambitious growth plans. A loan requirement of between £50,000 and £75,000 was identified. This was earmarked to support business expansion and innovation.
Momenta Finance’s Solution
With the support of introducer Sean Thorogood from British Business Funding, and expert guidance from Business Development Manager Ronan Carter at Momenta Finance, the consultancy secured an unsecured business loan:
Loan Amount: £75,000
Loan Term: 36 months
Special feature: No over or early repayment fees
The flexible funding structure empowers the business to pursue new initiatives, boost market presence, and innovate across its core agile training and consultancy services.
The Outcome
Access to this funding has enabled the business to launch new training programmes and consultancy services. As a result, they have solidified their reputation for delivering high-value agile and Microsoft solutions in the education and technology markets. The company is now well-positioned to scale operations and embark on its next phase of growth with confidence.
The Introducer’s Perspective
“From the outset, it was clear the client required a lender that understood the nuances of their sector and could move quickly. Ronan from Momenta Finance worked seamlessly with us to structure a facility that balanced flexibility with affordability. The collaborative approach ensured the client secured funding without delay and with terms that fully supported their ambitions.”
– Sean Thorogood, British Business Funding
Conclusion
This case demonstrates how Momenta Finance supports London’s specialist education and training businesses. They provide flexible funding that translates big ideas and new projects into real results. By working closely with brokers and dedicated business development managers, Momenta delivers timely and effective growth finance for ambitious clients.
About British Business Funding
At britishbusinessfunding.co.uk, our aim is to support UK businesses in finding the most suitable and cost-effective finance facilities tailored to their needs. With a focus on debt funding, we work with an extensive panel of lenders and products. This helps deliver transparent and reliable solutions that help businesses manage cash flow, invest in growth, and achieve their goals.
Options include secured and unsecured term loans, asset finance, invoice finance, and purchase order finance. By simplifying the process and connecting businesses with appropriate lenders and facilities, British Business Funding ensures clients can access the right capital with confidence.
A fire safety and fire surveying business based in Tyne and Wear, established in 2016 by an industry expert with extensive experience in fire protection, has built a strong reputation for delivering passive fire protection services. The company offers a comprehensive range of services including consultancy, compliance inspections, risk assessments, 3D building scans, and installation of fire prevention systems such as fire extinguishers and fire doors. Serving diverse sectors like residential care, hotels, student accommodation, schools, and petrochemicals, the business ensures safety and compliance across commercial buildings nationwide.
The Opportunity
In recent years, the business has experienced significant growth, particularly after hiring two permanent staff members between year-end 2023 and 2024. This strategic expansion of the team increased operational capacity, enabling the company to service more clients while keeping costs relatively low. Building on this success, the business sought additional funding to further invest in its workforce and enhance its market-leading services-especially its innovative 3D scanning and modelling offering, which has seen strong demand.
Momenta Finance’s Solution
To support this next phase of growth, the business approached Momenta Finance through an introducer from tsffinance.co.uk. After a thorough assessment of the company’s financials and growth plans, Momenta Finance approved a £200,000 unsecured loan under the Growth Guarantee Scheme (GGS), structured over a 60-month term. This facility provided the flexibility to invest in new staff and technology without requiring asset security, allowing the business to respond quickly to emerging opportunities in the fire protection market.
The Introducer’s Perspective
“Momenta Finance’s fast and competitive offering was second to none for my client in the north east. It’s because of companies like Momenta and Jeremy Crinall that we are able to offer great solutions to our clients and help fuel their business goals and objectives.”
– Myles Smyth from TSF Finance
Conclusion
This case study highlights how Momenta Finance, in partnership with introducers like TSF Finance, supports ambitious businesses in specialist sectors. By providing flexible, unsecured growth funding, Momenta enables companies to invest in their future, expand their capabilities, and deliver even greater value to clients across the UK.
About TSF Finance
TSF Finance Ltd are a fully independent commercial finance brokerage focused on providing funding solutions to the SME market.
With over 25 years experience we pride ourselves on helping businesses to structure, understand and identify the best solutions for them, not only in the present but for the future.
“We see ourselves as part of our client’s business, bringing with us the expertise and experience to help them achieve their goals.”
We work with businesses of all sizes from early start ups to high growth and turnaround. Our service is at no cost to our clients, instead our lenders choose to pay us on successful funding applications.
A highly rated plumbing and heating business is based in Surrey. It is known for its commitment to reliability, quality workmanship, and customer service. The business recently sought a funding solution to optimise its day-to-day operations. The company has a reputation for delivering friendly, knowledgeable, and efficient service across a wide range of plumbing and heating needs. As a result, it has become a trusted name for both domestic and commercial clients in the region.
The Opportunity
As the business continued to grow, it faced the challenge of managing outstanding obligations. Meanwhile, it had to maintain the high standards its customers expect. Freeing up working capital became essential to ensure smooth daily operations. This allowed the company to remain agile in a competitive market. The management team recognised that addressing these obligations would enable the business to focus on delivering exceptional service. Additionally, investing in quality materials and supporting its skilled workforce would be possible.
Momenta Finance’s Solution
With the support of Padraig Connellan, an AFS member Commercial Finance Options Ltd, the business was referred to Momenta Finance. Our Sales Director Jeremy Crinall worked closely with Padraig and the client. Together, they structured a tailored unsecured business loan of £100,000 over a 60-month term. This facility provided the flexibility and breathing room needed. It benefited from no exit or early repayment fees. Importantly, it did not require asset security.
The Introducer’s Perspective
“Working with Momenta Finance and Jeremy Crinall was a seamless process. Their understanding of the client’s needs and flexible approach made all the difference, enabling the client to secure the funding required to keep their operations running smoothly and efficiently.”
– Padraig Connellan, AFS member Commercial Finance Options Ltd
Conclusion
This case illustrates how Momenta Finance, in collaboration with experienced brokers, can provide rapid, adaptable funding solutions. These are tailored to the unique needs of local businesses. By unlocking working capital, Surrey’s plumbing and heating specialists are well-equipped. They can continue their tradition of quality, reliability, and outstanding customer service.
About AFS
Asset Finance Solutions, part of the AFS Group, is a multi-award-winning broker network. It is one of the largest in the UK. AFS supports over 140 independent brokerages and places more than £1 billion in business lending every year. Founded in 2005 and headquartered in Blackburn, AFS provides commercial and asset finance expertise. AFS also offers compliance support and access to an extensive panel of more than 90 funders. This enables UK SMEs and finance professionals to secure tailored funding solutions.
Commercial Finance Options Ltd is an independent Asset finance broker not a lender. We can introduce you to a wide range of finance providers depending on your requirements and circumstances. However, we are not independent financial advisors, and so are unable to provide you with independent financial advice.
Commercial Finance Options Ltd will receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. Commercial Finance Options Ltd is an appointed representative of AFS Compliance Ltd which is authorised and regulated by the Financial Conduct Authority under number 625035.
Throughout the day, our team enjoyed insightful conversations with both new and familiar faces. It was a pleasure to exchange ideas, discuss the latest trends in commercial finance, and explore potential collaborations. The enthusiasm and expertise of everyone we met truly made the event a highlight in our calendar.
This year, we were proud to introduce several new members of the Momenta Finance team to the prestigious NACFB event alongside our experienced colleagues. Their combined energy and commitment ensured that every visitor to our stand received a warm welcome and a memorable experience.
We are delighted to congratulate Jasmine O’Rourke, the winner of our Pamper or Putt Experience at The Belfry Hotel & Resort. Jasmine will enjoy an overnight stay, breakfast, a three-course dinner, and the choice between a round of golf or a relaxing spa treatment.
We would like to extend our sincere thanks to everyone who visited our stand and engaged with us during the expo. Your interest and enthusiasm are greatly appreciated. Furthermore, we look forward to building on the connections made at this year’s event.
As we reflect on a successful day, we are excited about the opportunities ahead. We are already looking forward to next year’s expo. In the meantime, please enjoy our event highlights and stay connected for more news and updates from Momenta Finance.
Capturing the Experience
Our team worked diligently to capture the spirit of the day, taking numerous photos and videos to document the event. We invite you to explore our post-event gallery and highlights video. They showcase some of the best moments from the expo.
