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Lending Companies in Birmingham: 100+ Active Firms (2026)
Lending companies in Birmingham arrange mortgages and business or consumer credit for borrowers across the metropolitan area.
Demand clusters around residential mortgage advice for owner-occupiers, landlord and property-professional finance, and SME credit intermediation where borrowers need brokerage, servicing or administration rather than a balance-sheet lender. The customer base is mostly local and relationship-led, with referrals from estate agents, accountants, solicitors and property networks more important than volume online acquisition. Engagements are usually case-based: a borrower, landlord or business brings a purchase, refinance or working-capital need, and the firm earns through advice fees, broker commissions, servicing fees or repeat portfolio work.
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Birmingham has 110 actively trading lending firms in this cohort. Reported employment accounts for 161 people in total, so the visible footprint looks like a set of small advice, brokerage and servicing teams rather than branch-heavy lenders. The active-company count includes an early-stage layer, with 28 incorporated since 2022, while only 1 firm reports turnover above £5M. That mix points to many operators still sitting below scale thresholds, with a narrow upper tail by revenue.
Consumer credit and mortgage activity sits within a permissions-led operating context, so local operators tend to separate advice, broking, administration and servicing work carefully. Birmingham’s market structure also matters: many firms appear to be intermediaries rather than balance-sheet lenders, matching borrowers with secured lending, specialist finance or credit providers and then handling documentation, affordability evidence and post-completion administration. For researchers, that means revenue comparisons can mix advice-fee businesses with servicing and credit-intermediation models, which are not always like-for-like even when they share the same borrower segment.
Refinancing demand, landlord finance complexity and the cost of customer acquisition appear more likely to shape the next phase than a rush of new balance-sheet lenders. Early-commercial firms may keep operating as lean advice and brokerage teams, with scale-ups more likely to come from repeat property-investor relationships or specialist servicing mandates. Compliance burden tends to favour operators with disciplined documentation and lender-panel access, while smaller brokers remain exposed to housing-market softness and referral concentration. Consolidation is plausible, but the cohort still looks fragmented.
110
Active firms
2026
28
New incorporations
since 2022
1
Above £5M
reported revenue
Key facts
About 1% of the trading cohort reports turnover above £5M (1 of 110 firms) — the rest sits below that revenue band.
25% of the cohort was incorporated since 2022 (28 firms), so a sizeable share is in its first few filing cycles.
Birmingham’s lending market skews towards intermediaries and smaller finance businesses rather than only national institutions.
Mortgage, business-credit and consumer-finance activity give the local segment three borrower channels.
Property borrowing sits alongside consumer and business credit, so demand is not confined to a single lending product.
The market appears fragmented, consistent with owner-managed brokerage and credit-arrangement models.
Top Birmingham lending companies
CHERRY STREET HOLDINGS LTD
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides mortgage brokerage and financial advice, arranging residential and buy-to-let mortgages, remortgages, bridging and commercial loans. Also advises on life and critical illness insurance and…
Serves individuals, homebuyers, property investors and landlords, plus businesses seeking commercial mortgage support and customers reviewing life, critical illness or income protection cover.
Financial Health
WeakWeak · -14% CAGR over 3y
Location
Greenfield Mortgages
Provides short‑term bridging loans secured against property for uses such as property purchases, auction acquisitions, refurbishments, chain breaks, lease extensions, development exits and business…
Serves homeowners, property buyers, landlords/developers and businesses in England and Wales needing short-term property finance, plus mortgage intermediaries placing regulated or unregulated…
Location
MORTGAGE MAKER LIMITED
Trajectory
1y · 2025–NowProvides mortgage brokerage and advisory services, assisting clients with residential and buy‑to‑let mortgages, remortgages and mortgage applications. Also advises on repayment options and arranges…
Serves consumers seeking mortgages or remortgages, including homebuyers, existing homeowners, additional-borrowing customers, and buy-to-let or investment property owners needing related protection…
Financial Health
Insufficient historyInsufficient history
Location
SANDERSON CAPITAL LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides short-term bridging loans secured against property or other assets. Finances property purchases, auction acquisitions, refurbishments, and business cash‑flow needs, handling underwriting,…
Serves property buyers, investors and businesses needing short-term secured finance, including auction purchasers, renovators, developers, refinancing borrowers and clients seeking business cash-flow…
Financial Health
StrongStrong
Location
Eaton Mortgages And Protection Ltd
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
HealthyHealthy · Hiring · 10% CAGR over 2y
Location
Autograph Care Group Finance Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsActs as a holding company for a group that arranges commercial finance, including property investment and development funding, bridging loans, invoice and asset finance, and funding for business…
Serves SMEs, corporates and property investors/developers, with sector focus on nursing and care homes, IFA and wealth management acquisitions, and clients pursuing business growth, acquisitions,…
Financial Health
WeakWeak · -5% CAGR over 4y
Location
Premier One Mortgages Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
HealthyHealthy · Hiring · 41% CAGR over 2y
Location
CENTRAL FINANCE MIDLANDS LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsArranges commercial finance for businesses, including cash flow finance, asset finance, property and development funding, acquisition finance, and grant funding. Advises clients and sources funding…
Serves businesses seeking finance, plus professional introducers such as banks, accountants, IFAs, business consultants, solicitors and mortgage brokers, and commercial finance sales professionals…
Financial Health
HealthyHealthy · 0% CAGR over 3y
Location
FINANCE FOR PARK HOMES LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides consumer finance for the purchase of residential park homes, holiday lodges and static caravans. Offers fixed-rate lending with monthly repayments over terms up to 20 years, typically…
Serves individual consumers buying residential park homes, holiday lodges or static caravans at Regent Parks, including buyers seeking long-term finance for leisure or residential park property…
Financial Health
StrongStrong
Location
F & T SECURE CONSULTANTS LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Growing, Hiring · 19% CAGR over 4y
Location
SECURE FINANCIAL SOLUTIONS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
PAPER PLANES FINANCIAL SERVICES LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
DistressedDistressed · 0% CAGR over 3y
Location
PENNSWOOD LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · -16% CAGR over 4y
Location
CHATSBROOK LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsArranges vehicle, asset and business finance for individuals and companies. Acts as a finance broker sourcing funding from a panel of lenders for purchases such as vehicles and equipment, and…
Serves private individuals and businesses seeking vehicle, asset, or business finance, including companies wanting outsourced finance support and funding for business growth assets.
Financial Health
StrongStrong · Hiring · 19% CAGR over 4y
Location
Home Sweet Mortgage Limited
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
StrongStrong
Location
KUNGO FINANCE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
Suzanne Rowley Consultancy Ltd
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed · 0% CAGR over 2y
Location
Lawson Financial Consultancy Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed · 0% CAGR over 2y
Location
KLVN Mortgage Services Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
NOTTING HILL FINANCIAL SOLUTIONS LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy
Location
LIV FINANCIAL SOLUTIONS LTD
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
WeakWeak · 0% CAGR over 2y
Location
MIDLANDS MORTGAGE SOLUTIONS LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
ACRES FINANCIAL SERVICES LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StableStable · -90% CAGR over 2y
Location
MY MORTGAGE ADVISOR MMA LTD
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
StrongStrong
Location
Anr Mortgages Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
StableStable · Hiring · 100% CAGR over 1y
Location
Insol Funding Company Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak
Location
Icehouse Property Finance Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable
Location
HAMLET MILTON FINANCE LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · Hiring · 19% CAGR over 4y
Location
Ash Mortgage Solutions Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
HealthyHealthy · 0% CAGR over 1y
Location
R.D.R.A. LTD
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · -65% CAGR over 4y
Location
Hathaway Finance Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StableStable
Location
DEFINITIVE BROKER SERVICES LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
FUNKY FINANCIAL SOLUTIONS LTD
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
StableStable
Location
Ethical Adviser(UK) Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
StableStable · 0% CAGR over 1y
Location
Hsbc Equipment Finance
Provides asset finance and equipment leasing to businesses, funding the purchase of machinery, vehicles, and technology. Offers structured finance solutions that enable organisations to acquire and…
Serves individual investors, financial intermediaries such as advisers and retail banks, and institutional investors seeking investment opportunities and fund access in the UK.
Location
PROMISE SOLUTIONS LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides brokerage services for personal and business finance, arranging mortgages, buy‑to‑let loans, secured and unsecured loans, commercial mortgages, bridging finance, asset finance, and…
Serves consumers, homeowners, landlords, property investors, self-employed borrowers and small businesses, plus finance intermediaries seeking mortgage, buy-to-let, secured, commercial, bridging or…
Financial Health
WeakWeak · -16% CAGR over 3y
Location
MI Mortgages Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and advisory services for residential and investment property finance, including first-time buyer, home mover, buy-to-let and limited company mortgages. Also advises on…
Serves UK consumers seeking mortgages or protection insurance, including first-time buyers, home movers, buy-to-let landlords, limited company property investors, and individuals with adverse credit.
Financial Health
WeakWeak · Hiring · 14% CAGR over 4y
Location
PRECISE FINANCIAL ADVICE LTD
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsProvides specialist residential mortgage lending and short‑term bridging finance for property purchases and refinancing, offering loan products distributed through mortgage intermediaries and direct…
Serves mortgage intermediaries and individual borrowers, targeting customers seeking specialist residential mortgage or bridging finance options. Mix of B2B broker channels and direct consumer…
Financial Health
StableStable · 0% CAGR over 4y
Location
GARHILL LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides property finance including development loans, bridging loans, cash flow funding and refinancing to property companies and business owners. Supports residential, commercial and mixed-use…
Serves B2B property companies and business owners undertaking residential, industrial, office, retail, student accommodation or land development projects that need short-term property finance.
Financial Health
HealthyHealthy · 0% CAGR over 2y
Location
INTELLIGENT FINANCE PLANNING LIMITED
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides mortgage brokerage and financial protection advice, arranging products from a panel of lenders and insurers. Services include first-time buyer, remortgage, buy-to-let and home mover…
Serves UK consumers seeking mortgage and protection advice, including first-time buyers, homeowners moving or remortgaging, buy-to-let landlords, families, and individuals arranging life, illness or…
Financial Health
StableStable · -18% CAGR over 2y
Location
Jl Mortgages Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage advice and brokerage services, assisting clients with residential mortgages, remortgaging and buy‑to‑let finance. Also arranges protection and insurance products including life…
Serves individuals, families and property buyers seeking mortgage and protection advice, including first-time buyers, remortgagers, buy-to-let landlords and self-builders, plus businesses needing…
Financial Health
DistressedDistressed · -7% CAGR over 4y
Location
SST Resources Limited
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides short-term secured loans to established businesses, typically for 6–24 months. Finances activities such as expansion, property development and cashflow support, offering alternative funding…
Serves established UK business clients seeking short-term secured finance, including viable trading companies in construction, property development, research laboratories and subcontracting.
Financial Health
StrongStrong
Location
SUPREME FINANCIAL SOLUTIONS LTD
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides financial advice on mortgages, including first‑time buyer, remortgage and buy‑to‑let lending, and arranges protection and insurance products such as life cover, income protection and…
Serves UK residents including first-time buyers, remortgagers, buy-to-let property investors and households, alongside businesses needing commercial insurance.
Financial Health
StableStable · -78% CAGR over 3y
Location
Coventry and Warwickshire Reinvestment Trust Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides business loans and blended loan‑and‑grant finance of £25,000–£150,000 to startups and small businesses. Offers start‑up, growth and asset finance with in‑house lending decisions and…
Serves start-ups, early-stage firms and SMEs in Coventry, Warwickshire, the Midlands and bordering areas, especially businesses underserved by high street banks or led by underserved entrepreneurs.
Financial Health
DistressedDistressed · 0% CAGR over 2y
Location
Godiva Mortgages
Provides residential and buy‑to‑let mortgage products, including fixed and tracker deals, product transfers, and additional borrowing for existing borrowers, along with online account services and…
Serves existing residential mortgage customers and landlords in the UK, particularly homeowners and buy-to-let borrowers whose current mortgage deals are ending or who need support managing an…
Location
TRUE PROTECTION FINANCIAL SERVICES LTD
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StrongStrong
Location
The Wealth Mortgage Division Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
AMBER FINANCIAL ADVICE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · 0% CAGR over 1y
Location
IJ Utilities Limited
Trajectory
1y · 2025–NowFinancial Health
Insufficient historyInsufficient history
Location
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How Birmingham lending companies work and how to sell to them
What they do
Birmingham lending firms usually monetise expertise and process control rather than lending from their own balance sheets. Revenue tends to come from broker commissions, advice or arrangement fees, loan-administration charges and repeat servicing work for landlords or business borrowers with portfolios. The service shape is part financial advice, part document handling: gathering borrower evidence, packaging cases for lender panels, tracking offers and keeping clients updated through completion. Pricing is often case-based, with retained or recurring work more likely where property investors, introducers or SME finance clients return with a sequence of borrowing needs.
Who they sell to
Their end customers are usually owner-occupiers, landlords, small businesses and property professionals, with referrals doing much of the demand generation. For business borrowing, the buyer is often an owner-manager, finance director or external accountant; for property finance, landlords and developers may be advised alongside solicitors, valuers and agents. Sales cycles are shorter for straightforward residential cases and longer where security, affordability or lender criteria are more complex. Procurement is rarely a formal RFP process. Most decisions come through direct advice, introducer trust and evidence that the broker can get a difficult case placed without losing control of compliance.
What they buy
Most lending firms tend to spend on systems that reduce manual case handling and protect adviser time. Useful categories include CRM, loan-origination and case-management software, document collection, identity verification, secure file sharing, call recording, workflow automation, accounting, payroll and management reporting. Compliance support, professional indemnity cover, outsourced paraplanning or administration, credit-risk support and lender-panel consultancy can also fit. Marketing spend is usually pragmatic: referral management, local search, review capture, website maintenance and email nurturing are often easier to justify than broad brand campaigns.
Why and how to sell to them
Lending buyers tend to evaluate suppliers when volume starts to expose process gaps: advisers rekeying borrower information, administrators chasing documents, or managers lacking a clear audit trail across cases. Other triggers include new adviser hires, a change in compliance responsibility, entry into a specialist lending niche, a new introducer channel, or a backlog caused by refinancing and landlord portfolio work. Outbound messages are more credible when they name the operational constraint rather than making a general growth claim: fewer missed documents, cleaner handoffs between advice and administration, clearer management information and less dependency on one senior broker’s inbox.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
Also in Birmingham
Related directories
Frequently asked questions
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