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We’re transforming the way UK business access the funding they need

Finance Nation aims to be the UK's leading service to help small and medium businesses access appropriate business investment. We combine data science and human experience to deliver the most appropriate fintech investment and funding to meet their specific business goals.

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small business loan applications fail due to poor process outcomes

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of UK SMEs consider only one provider when seeking a loan, with 25% put off by the hassle or time taken

Here’s How it Works

Our service will be available to any of the 6 million small and medium sized enterprises and their advisors. It is designed to help these organisations thrive.  

We address a massive opportunity across the UK which has been widely recognised in the space - from the Bank of England to small businesses themselves - and everyone in between. 

At our heart are the software, systems and data that empower businesses to achieve their aspirations by ensuring that they have simple and efficient access to finance that suits their needs. 

We’re building rich, meaningful, and hugely actionable data on businesses, their funding requirements, and the lending products available in the market.

Predictive algorithms help Finance Nation and its intermediary partners to successfully serve customers by:

  • curating appropriate deals
  • providing more options to access finance and give business funding applications a greater chance of success
  • helping to build deep client relationships and adding valuable context
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Building robust relationships

We have robust relationships with a wide range of lenders. We also have strong partnerships with best-in-class systems infrastructure and data technology partners.

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Experienced team

Finance Nation has a strong management team who are highly experienced and well respected in their fields and have a great track record in banking start-ups.

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EIS Eligible

Investing in Finance Nation is EIS eligible. Investors can access the generous reliefs under EIS, depending on their individual tax circumstances.

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Craig-Peterson-Chief-Operating-Officer-Growth-Capital-Ventures-Colour
“Once developed, this platform will make it easier for SMEs and their trusted advisors to access finance quicker and easier. It will allow businesses to deal with multiple providers at the click of a button. This is an attractive proposition not just for SMEs but banks, commercial brokers, UK plc and the Bank of England.” Craig Peterson, co-founder and Chief Operating Officer of Growth Capital Ventures

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Frequently asked questions

Does the management team have the skills to execute the idea?

The management team of Finance Nation, their founders and their advisors combine to create an exceptional group of individuals with a strong track record of innovation and delivery.

They have a deep experience in all aspects of financial services from front line engagement with clients to building systems and processes, marketing, risk management and compliance.

As well as their very diverse senior management experiences, they have already built two banks from scratch, built a credit brokerage as well as one of the most successful IT companies in the North of England which introduced the UKs first request to pay service.

What is the motivation behind Finance Nation?

All the management team are driven by their desire to help SMEs. Every member of the team has experience of either building their own businesses or working with SMEs and understands how unfair the current market structure is. 

We recognise the importance of SMEs to society and the contribution they make for everyone. They are vital to us all.

Is there a genuine need for this type of business?

Any SME or anyone who works with SMEs knows how hard it is to get the financial support they need. In 1988 40% of all bank lending went to SMEs, yet today it is closer to 4% despite the big 5 banks still being the largest providers of finance overall. This is a huge drag on the economic success of the UK.

The Bank of England has acknowledged the problem in its response to the Van Steenis report on the future of finance in the UK confirming that it supports the introduction of digital legal identifiers for SMEs and portable digital credit files.

Is the business scaleable?

The principals involved in building Finance Nation go way beyond the provision of simple loans but the UK lending market alone for SMEs is @£35Bn per annum. 

The solution we are building has the potential to meet multiple needs. By building comprehensive digital footprints Finance Nation will help SMEs access all the services they need for their financial health from “cradle to grave” including Pensions, Insurance, Equity, Wealth Management etc.

What else can I offer as well as my capital?

At Finance Nation we want to work closely with all areas of the value chain whether you are an investor, an SME, a professional advisor, a broker, a lender or indeed if you offer advice or services which could be included within the platform.

Some platforms and data companies believe that a fully technological solution is all that is required to support SMEs. We disagree. We believe in technology with humanity. The over-arching aim of the business is to provide a layer of support to SMEs which involves all their key stakeholders. It is up to the SMEs to decide who they are, and our job to respect and support that.