PFC Finance – reviews, analysis and fees

Last updated on 10 August 2023

PFC Finance is a financial broker that looks to pair a sole trader or SME seeking funding with a lender that is willing to forward these finances – but does it have good reviews?

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PFC Finance has a smaller reach than some brokers, limited to around 60 partner lenders, but this could be considered an advantage – it may lead to connections with smaller businesses that likelier to consider your application on an individual basis, rather than relying on strict criteria.

Video: Business loans and finance explained

PFC Finance business loans and finance

Pros and cons of PFC Finance for business finance 

ProsCons
Quite varied range of products No online reviews
No broker fees payable by you as a borrower Fewer lending partners than other brokers
Good reputation for customer service and a tailored approach to client care By its very nature, working with a broker can take longer than applying for finance directly
PFC Finance pros and cons

Business loans

PFC Finance will look to pair any business seeking a loan with an appropriate lender. Loans potentially available through PFC Finance include the following:

Commercial loans

Business lending for any commercial purpose, from £5,000 to seven figures, repayable for anywhere from three months to five years. PFC Finance will ask what you need the loan for, and look to find a lender willing to work with you.

VAT and tax loans

If your HMRC bill has taken you by surprise and you are worried that you will not be able to pay on time, PFC Finance will look to pair you with a lender that will cover your bill before you start accruing fines and allow you to make repayments on an installment plan.

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Practice finance

Exclusively for businesses that operate in the health and medical sector, PFC Finance will locate specialist loans that allow greater flexibility on cash flow and accommodate substantial expenses such as a practice fit-out.

Asset finance 

If you are looking to purchase new apparatus that will help you take your business to the next level or to release and redirect funds tied up in the value of existing equipment, PFC Finance will find the best provider of asset finance for your needs.

Business vehicle finance

PFC Finance will find the best deals available pertaining to vehicle finance for your business, whether that’s a single company car that you need on a lease or hire basis, or an entire fleet of vehicles that will help keep your business on the move.

Invoice finance

While it may be faster and more efficient to apply for invoice finance and factor yourself – see invoice factoring – PFC Finance can connect you with a lender that will theoretically be willing to work with your business to release funds from outstanding invoices.

PFC Finance account login

Merchant cash advance

Not available from PFC Finance. See merchant cash advance.

Business credit cards

Not available from PFC Finance. See best business credit cards

Commercial mortgages

Not available from PFC Finance. See commercial mortgages.

PFC Finance key information

Phone number01829 738799 
App downloadsN/A
Websitewww.pfcfinance.co.uk
Number of branchesN/A 
FSCS protected?No
Founded2014
Key information

PFC Finance reviews

Review platformScoreNumber of votes
TrustPilotNot reviewedN/A
FeefoNot reviewedN/A
Reviews.ioNot reviewedN/A
Smart Money PeopleNot reviewedN/A
Which?Not reviewedN/A
Average scoreNo online reviews0 total votes
PFC Finance reviews and ratings

Business eligibility criteria

PFC does not set criteria for borrowing – that is between you and the lender that PFC pairs you with. PFC Finance will ask some questions about our business and aim to connect you to an appropriate lender, but has no control over whether your application will be accepted. 

Business finance alternatives

While other financial brokers, including ABC Finance, Aspire, and Rangwell are available, you may prefer to apply for funding directly through a specialist business lender, thus cutting out the middleman.

Additional considerations

PFC Finance is a member of the National Association of Commercial Finance Brokers (NACFB), the largest trade body for commercial financial brokers in the UK.

FAQ

How do I apply for finance from PFC Finance?

You can fill in a very short form on the PFC Finance website, or call the broker on 01829 738799  for a direct conversation. The latter approach may bear more fruit, as PFC Finance is very customer-focused.

If I borrow from PFC Finance, who supplies the money?

PFC Finance is a broker, not a lender, so they will pair you with a financial institution that will theoretically be willing to loan you money.

How much can I borrow from PFC Finance?

PFC Finance has no control over this – lending caps will need to be discussed with a lender you are connected with.

Will I need to secure a loan from PFC Finance against an investment?

PFC Finance works with lenders that offer both secured and unsecured loans. If you are not a homeowner, make this clear to PFC Finance so nobody wastes their time on an ineligible application. 

Will PFC Finance charge me a fee if I make a successful loan application?

No, PFC Finance does not take a fee from borrowers. The lender may pay PFC a fee for recommending you if your application is successful.

Is PFC Finance regulated?

Yes, the parent company of PFC Finance, The Practice Loan Company PLC, is fully regulated by the FCA.

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