Apollo Business Finance is a Manchester based invoice finance lender specialising in working capital solutions for UK businesses. Apollo Business Finance focuses on human underwriting to assist small and medium sized enterprises (SMEs) that may struggle to secure funding through mainstream banks. They support B2B businesses, sole traders, and subcontractors by offering accessible flexible finance solutions tailored to operational cash flow requirements.
What Products Does Apollo Business Finance Offer?
Apollo Business Finance provides primary funding solutions designed to release cash tied up in unpaid customer invoices or ongoing revenue streams. Their main product offerings include:
Invoice Finance: A range of flexible arrangements including selective invoice finance, CHOCCs (Customer Handles Own Collections), and factoring. These facilities allow businesses to access funding against outstanding customer invoices. You can read more about how these structures work by exploring Invoice Finance options.
Revenue-Based Finance: Capital provided against predictable business revenue streams to support short term working capital needs.
Bad Debt Protection: Risk management support built into funding arrangements to protect businesses against customer insolvency or default.
Apollo Business Finance does not offer export funding or confidential invoice discounting facilities. Their emphasis remains on standard B2B invoice solutions and selective invoice finance for domestic trade.
Apollo Business Finance Key Facts Summary
The table below outlines the core company details, facility parameters, and operational information for Apollo Business Finance.
Feature | Details |
|---|---|
Provider Name | Apollo Business Finance (acquired by Team Factors) |
Company House Number | 10292884 |
FCA Reference Number | 1044423 (AML supervision only) |
Product Types | Invoice Finance, Selective Invoice Finance, Revenue-Based Finance |
Minimum Deal Size | £20,000 |
Maximum Deal Size | £250,000 |
Minimum Turnover Requirement | £75,000 per annum |
Sole Trader Eligible | Yes |
Access Routes | Direct or via Brokers |
Who Is Apollo Business Finance Suited For?
Apollo Business Finance caters specifically to UK B2B SMEs and sole traders located in England and Wales. They are structured to accommodate businesses operating in fast-paced commercial sectors where cash flow timing is critical. Key target sectors include construction, recruitment, transport, and manufacturing.
Because the lender uses human underwriters rather than purely automated scoring systems, Apollo Business Finance is suited for businesses turned away by mainstream lenders. This includes companies or sole traders with adverse credit histories, poor credit scores, or existing HMRC arrears, provided they demonstrate viable B2B invoicing and commercial trade strength.
Eligibility Criteria and Funding Limits
To qualify for funding with Apollo Business Finance, applicants must meet specific base criteria:
Must be a UK B2B SME or sole trader operating in England or Wales.
Must possess an annual business turnover from £75,000.
Facilities offered range from a minimum deal size of £20,000 to a maximum deal size of £250,000.
Regulatory transparency is maintained through their Financial Conduct Authority (FCA) firm reference number 1044423, which is held specifically for Anti-Money Laundering (AML) supervision purposes.
How to Access Apollo Business Finance
Business owners can access funding solutions from Apollo Business Finance directly through their official portal or via independent commercial finance brokers. When applying directly or through a partner, the assessment relies on human underwriters who review the underlying commercial contracts and invoice ledger quality rather than relying solely on credit agency scores.
Compare Funding Options with SME Money
Finding the right working capital arrangement is essential for maintaining smooth day-to-day business operations. SME Money connects UK businesses with specialist brokers who search over 70 lenders to find the right funding without the bias of a single bank. Whether your business requires specialized Invoice Finance to release unpaid receivables or Asset Finance to purchase key machinery, exploring the full market helps ensure you secure terms aligned with your specific growth plans.