Pulse Finance (formerly Pulse Cashflow Finance)
Independent Basingstoke-based invoice finance and trade finance specialist, management-owned since an April 2025 Arena Investors-backed MBO, serving UK SMEs up to a £5m facility cap.
What they do
Pulse Finance provides invoice factoring, invoice discounting, and trade finance to UK B2B businesses, releasing up to 90% of outstanding invoice value typically within 24 hours. Credit decisions are based on the quality of the receivables ledger rather than the borrower's own credit profile or trading history, making the product accessible to businesses that would not clear a conventional credit assessment. The business also offers a specialist construction finance facility for main contractors and first-tier sub-contractors with turnover above £2.5m. Facilities scale with the borrower's sales ledger, up to a stated maximum of £5m.
Where they fit in a lower-mid-market raise
Best fit for a lower-mid-market business that has a clean, diversified B2B receivables ledger and needs working capital acceleration rather than term debt. Particularly relevant where the business is asset-light but invoice-rich — recruitment, facilities management, construction sub-contracting, care services — and where a mainstream bank has declined or imposed unacceptable conditions. The debtor-led underwrite is the key differentiator: a business with a strong sales ledger but thin balance sheet or short trading history can still get funded. Within Solon's 3–15m mandate the fit is at the lower end (facilities up to £5m), but they are a credible first call for a £1–5m working capital line where the ledger quality supports it.
Where they are not the fit
Not a fit for term loans, property finance, asset finance, or any structure outside receivables. Businesses with consumer (B2C) revenue, concentration risk in the debtor book, or very long or disputed payment cycles will face structural obstacles. The £5m facility cap means they fall away for larger working capital requirements. Businesses seeking confidential invoice discounting at the larger end of the LMM will likely find the major clearing banks or larger ABL providers (Lloyds, HSBC, Shawbrook) offer more headroom and brand familiarity to key counterparties.
On the record
Pulse Finance Limited (formerly Pulse Cashflow Finance 4 Limited, then Pulse Factoring Finance Limited) is registered at Companies House under number 08429955, incorporated 5 March 2013, SIC 64992 (Factoring), registered address The Grosvenor, Basing View, Basingstoke, Hampshire RG21 4HG.
In April 2025, management (Toni Dare MD and Martin Bennison Sales & Marketing Director) completed a management buyout backed by Arena Investors LP, rebranding the business from Pulse Cashflow Finance to Pulse Finance.
The business was established in 2008 and the management team collectively holds over 160 years of asset-based lending experience.
Pulse Finance provides invoice factoring and invoice discounting alongside trade finance and construction finance, releasing up to 90% of the value of outstanding invoices, typically within 24 hours.
Facilities are offered up to a stated maximum of £5m and grow in line with the borrower's sales.
Invoice discounting is offered to established businesses with internal credit-control resources and a track record of reliable collections; funders may set minimum turnover thresholds and require audited accounts.
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.