← All businessesFinancial Services / Fintech & Payments / Lending & credit tech
Credit Technology Business With A Remote Team, Newcastle
Newcastle upon Tyne, Tyne and Wear, North EastIdentity protected
Available
About this business
This Newcastle business runs an online platform that matches small businesses seeking credit with lenders, handling applications, affordability checks and document collection, and earns a fee on each completed loan. Trading since 2016, it has no premises and 38 staff working remotely. Turnover has risen every year, from £3.79m in 2021 to £5.6m, and adjusted EBITDA has grown to £1.53m. Margins have narrowed as the team has grown. The new owner gets a platform of real scale and the people who built it.
Key investment highlights
- Turnover up every year to £5.6m
- Adjusted EBITDA of £1.53m
- 38 staff, all working remotely
- Fee income on each completed loan
Reason for sale
The founders want to realise their investment after a decade of building the platform.
Nothing flagged on the two questions buyers ask first
No flagRevenue going backwards and one client being too much of it are the two things that end most deals in due diligence. Both are shown here up front, from the figures the seller supplied.
- Revenue directionNo flag
Turnover rose +7.5% in 2026.
- 2021: baseline
- 2022 (+6.3%)
- 2023 (+7.7%)
- 2024 (+11.0%)
- 2025 (+8.1%)
- 2026 (+7.5%)
6 years of turnover, 2021 to 2026, as supplied by the seller.
- Client concentrationNot stated
The seller has not declared what share of revenue the largest clients represent.
No declaration supplied. Client concentration cannot be derived from accounts.
EBITDA margin narrowed from 32.6% in 2021 to 27.3% in 2026.
These are observations from the supplied figures, not a view on whether this business is worth buying. Nothing here predicts an outcome.
Computing valuation...
What happens next
Submit an enquiry to the seller. Once they approve it, you sign a non-disclosure agreement and gain access to the information memorandum, the financials and a secure deal room with the seller.