Who Is Time Finance PLC?
Time Finance PLC is a leading independent financial services provider in the UK, specialising in tailored funding solutions for small and medium-sized enterprises (SMEs). With a strong legacy of supporting British businesses, Time Finance empowers thousands of organisations through innovative financial products, flexible lending, and a trusted, relationship-driven approach.
Originally founded as 1pm plc in 2006 and later rebranded to Time Finance PLC in December 2020, the company has expanded through a series of strategic acquisitions and leadership changes, evolving into a multi-product lender that facilitates business growth across a wide range of sectors.
Headquartered in Bath, Somerset, the company operates under company number 05845866 and is publicly listed, offering transparency and investor confidence. Its central mission is to deliver funding that works in tandem with the ambitions of SMEs, enabling them to invest, expand, and thrive.
As of 2025, Time Finance has proudly supported over 10,000 UK businesses and facilitated more than £217 million in funding, demonstrating a clear commitment to fostering economic growth at the grassroots level of the British business ecosystem.
Who Leads Time Finance PLC and How Is the Company Structured?
Time Finance PLC is led by a seasoned team of directors and officers who bring extensive experience in finance, corporate governance, and entrepreneurship. Their strategic oversight and operational focus ensure sustainable growth and financial discipline.
Time Finance Officers
| Name | Role | Date Appointed | Occupation | Nationality |
| Edward John Rimmer | Director (CEO) | 19 Feb 2021 | Company Director | British |
| Paul Grant Self Hird | Director | 19 Sep 2023 | Director | British |
| Tanya Raynes | Non-Executive Director | 25 Mar 2021 | Non-Executive Director | British |
| Tracy Elaine Watkinson | Director | 19 Sep 2023 | Director | British |
| James Matthew Arthur Roberts | Director / Secretary | 2 May 2017 / 14 Apr 2022 | Director / Secretary | British |
The executive team, supported by experienced financial professionals and commercial managers, ensures that Time Finance remains agile, client-focused, and resilient in a changing economic environment.
What Is the Capital Strength and Financial Position of Time Finance PLC?
Time Finance operates from a position of financial strength, supported by consistent growth and responsible lending. Incorporated in June 2006, the company has grown significantly in terms of both scale and turnover.
Financial Overview
| Financial Element | Detail |
| Company Number | 05845866 |
| Incorporation Date | 14 June 2006 |
| Company Type | Public Limited Company (PLC) |
| Company Status | Active |
| Last Accounts Date | 31 May 2024 |
| Next Accounts Due | 30 November 2025 |
| SIC Code | 64991 – Security dealing on own account |
In the financial year ending May 2024, Time Finance arranged over £90 million in new funding for UK SMEs. The company’s excellent Trustpilot rating of 4.5/5 (based on over 140 reviews) also reflects its financial reliability and service quality.
What Services and Features Does Time Finance Offer?
Time Finance provides a comprehensive portfolio of financial solutions tailored specifically to the needs of SMEs. The company’s services are designed to improve cash flow, support capital investment, and enhance business agility.
Core Financial Products
| Service Type | Description |
| Asset Finance | Helps businesses acquire vital equipment or refinance existing assets. |
| Invoice Finance | Unlocks capital from unpaid invoices to improve cash flow. |
| Vehicle Finance | Assists in funding commercial vehicles and fleet management. |
| Business Loans | Offers secured, unsecured, VAT, and other specialised loan products. |
| Property Finance | Includes second charge mortgages, bridging loans, and specialist lending. |
| Asset-Based Lending | Uses existing business assets as collateral to access additional capital. |
| Multi-Product Solutions | Tailored funding packages combining several products to meet specific needs. |
Unique Selling Points
- Flexible Solutions: The ability to mix and match products to suit complex funding needs.
- Dedicated Relationship Managers: Personalised support throughout the finance journey.
- Trusted by Intermediaries: Maintains strong partnerships across the financial advisory landscape.
Time Finance’s independence allows it to act swiftly and creatively, unlike larger institutions. It blends a strong service ethos with a commercial approach that meets the real-world needs of modern SMEs.
Who Are Time Finance’s Clients and What Do They Say?
Time Finance primarily serves UK-based small and medium-sized businesses across sectors such as manufacturing, logistics, construction, retail, and professional services. The company’s client-centric model is built on trust, responsiveness, and results.
Customer Reviews (via Trustpilot)
“I’ve been using Time Finance for invoice financing for over 10 years. In my industry, client payments can run late, and Time Finance not only chases them up but also applies legal pressure if necessary.” — Brendan Mannion
“Time Finance are great to deal with. Quick, helpful, and very understanding. Kerry Hodgson, our relationship manager, is fantastic.” — Tracey Remington
“Reliable, efficient and flexible to our business needs. Their understanding of cash flow issues is outstanding.” — Adrian Parton
“George T has been a constant source of support for our daily business finance needs. A truly professional team.” — Speedflex Engineering Ltd
These reviews highlight the organisation’s strengths: consistent support, problem-solving ability, and personal service.
How Can You Contact Time Finance PLC?
For those interested in financial services, partnership opportunities, or investment information, Time Finance offers multiple points of contact:
Official Contact Details:
| Category | Information |
| Registered Address | 2nd Floor, St James House, The Square, Lower Bristol Road, Bath, BA2 3BH |
| Company Website | https://www.timefinance.com |
| Telephone | Available via website (specific departments listed) |
| Contact via website form | |
| Trustpilot | Time Finance Reviews |
The website also includes dedicated sections for clients, brokers, investors, and media, making navigation simple and user-friendly.
Why Choose Time Finance PLC?
Time Finance stands out as a reliable and forward-thinking alternative finance provider in the UK. Its strength lies not just in its robust portfolio of financial products, but also in its values: genuine service, bold thinking, flexibility, and a people-first culture.
Key Reasons to Choose Time Finance:
- Independent and agile decision-making
- Flexible, multi-product funding solutions
- Excellent customer satisfaction and Trustpilot rating
- Proven track record with over £217m in funding delivered
- Personalised support from dedicated experts
- Deep understanding of UK SMEs’ funding challenges
From equipment funding to invoice finance, from working capital solutions to vehicle loans—Time Finance offers more than money. It offers partnership, expertise, and confidence.
