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Lending Software And Credit Services Firm With Swansea Freehold
Swansea, Swansea, WalesIdentity protected
Available
About this business
Founded in 1999, this Swansea firm provides loan origination and credit decision software to smaller lenders, along with the hosting and support that keep it running. It owns its city-centre office, which is included, and employs 27 people in development, implementation and support. Turnover has been level at about £4.35m for several years, while adjusted EBITDA has risen from £640k to £740k. Net profit was £630k. A buyer gets a long-standing product that lenders use every working day, and a building in the centre of Swansea.
Key investment highlights
- Freehold city-centre office included
- Trading since 1999
- Adjusted EBITDA up from £640k to £740k
- Team of 27 in development and support
Reason for sale
The owning group is selling to concentrate on its core banking software.
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 is flat year on year.
- 2021: baseline
- 2022 (+0.3%)
- 2023 (-2.3%)
- 2024 (+1.2%)
- 2025 (+1.3%)
- 2026 (-0.7%)
- Peak 2025 to latest 2026: -0.7%
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 widened from 14.7% in 2021 to 17.0% 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.