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Business Details
28 Years
experience
Trusted SME Funding Solutions in Bath
1pm UK has been empowering UK SMEs since 1998, delivering tailored funding solutions that align with business ambitions. Our expertise spans asset finance, invoice finance, and multi-product solutions, enabling businesses to unlock cashflow, invest in growth, and navigate challenges with confidence. With over 217m lent to support SMEs, we combine flexibility, integrity, and a deep understanding of business needs.

Our team of specialists works closely with clients and intermediaries to provide personalized service, underpinned by technological innovation such as virtual asset inspections. Recognized for excellence on Trustpilot, we prioritize transparency and long-term relationships, ensuring businesses receive the right support at the right time.
Services
Asset Finance Invoice Finance Loans Vehicle Finance Multi-Product
Details
  • Year established: 1998
Highlights and features
  • We offer over 25 years of experience in SME financing
  • Our multi-product solutions provide tailored funding options
  • We have an Excellent rating on Trustpilot
  • Our local teams deliver personalized service
  • We utilize virtual asset inspection technology for efficiency
What people say
Excellent customer service Flexible solutions Trusted funder Tailored funding Dedicated team
Update Listing
Services
Asset Finance
Asset finance enables businesses to acquire essential equipment or refinance existing assets. We offer flexible terms and competitive rates, ensuring access to machinery, vehicles, or technology without upfront capital expenditure. Our solutions support long-term growth while preserving cashflow for operational needs.
Invoice Finance
Invoice finance unlocks cash tied up in unpaid invoices. We provide immediate funding against outstanding invoices, improving liquidity and enabling business continuity. Our tailored facilities grow with your turnover, offering scalable support for expanding SMEs.
Loans
Our business loans cater to diverse growth initiatives, from expansion projects to working capital requirements. We assess applications based on business potential rather than rigid criteria, offering customized repayment structures aligned with cashflow patterns and investment timelines.
Multi-Product
Multi-product solutions combine multiple funding types for comprehensive cashflow management. We integrate asset finance, invoice finance, and loans to create holistic facilities, allowing businesses to leverage various assets simultaneously for optimal financial flexibility.
Vehicle Finance
Vehicle finance provides tailored funding for commercial vehicle acquisitions. We support both single-vehicle purchases and large fleet expansions, offering competitive rates and flexible terms. Our solutions ensure businesses maintain modern, reliable transport infrastructure without upfront capital outlay.
People
Ed Rimmer
Chief Executive Officer
Ed Rimmer leads 1pm UK with over 20 years' experience in financial services. He drives strategic growth while maintaining focus on SME client needs, leveraging industry expertise to expand funding accessibility across the UK.
Ian Smith
Group CEO
Ian Smith oversees group strategy, bringing extensive leadership in alternative finance. With a track record in scaling SME lending platforms, he ensures 1pm UK maintains innovation and client-centric service excellence across all operations.
James Roberts
Chief Financial Officer
James Roberts manages financial strategy with deep expertise in corporate finance. He ensures robust financial governance while supporting product development, combining fiscal responsibility with growth-oriented funding solutions tailored for SMEs.
Questions
What types of businesses qualify for 1pm UK funding?
We support UK SMEs across most sectors, including manufacturing, logistics, professional services, and construction. Eligibility depends on business stability and growth potential rather than rigid turnover thresholds.
How quickly can I access funds?
Simple asset finance cases complete within 48 hours. More complex multi-product facilities typically take 5-10 working days, with dedicated support throughout the streamlined application process.
Can I combine different funding solutions?
Yes, our multi-product facilities integrate asset finance, invoice finance, and loans. This approach creates comprehensive cashflow solutions tailored to your business's unique asset base and operational requirements.
Do you require personal guarantees?
Most facilities require director guarantees, though terms remain commercially flexible. We assess applications holistically, considering business potential alongside security requirements.
How does invoice finance work with 1pm UK?
We advance up to 90% of invoice values within 24 hours. We manage credit control for your sales ledger, providing ongoing cashflow support that scales automatically with your turnover growth.
What areas do you cover in the UK?
We operate nationwide with regional business development managers covering major economic hubs including London, Manchester, Birmingham, and Bristol, supported by our Bath-based head office.