Padington Business Finance
A specialist broker partner we work with when an enquiry sits outside our in-house finance panel. Independent, FCA-authorised, and fully integrated into how we handle your deal.
Who is Padington Business Finance?
Padington Business Finance (PB Finance) is a specialist business finance broker we work with when we need to extend beyond our in-house panel. They are independent, FCA-authorised, and based in the UK.
Their panel covers asset finance, invoice finance and business loans at a depth most vehicle-focused brokers do not carry. Where you qualify as an unregulated customer (typically a UK limited company or larger partnership) and your enquiry is a better fit for their lenders than ours, we introduce you and stay involved throughout.
When we pass an enquiry to Padington
We route deals to the panel most likely to land the right answer. Some enquiries fit Padington better than our own lenders.
Specialist asset finance
Plant, specialist commercial vehicles and mixed-asset portfolios that sit outside standard van lending.
Invoice finance
Funding against outstanding invoices to free up working capital when customer payments run behind your outgoings.
Refinancing existing vehicles
Releasing equity from vans you already own, or restructuring an existing agreement on better terms.
Newer limited companies with limited trading history
Where mainstream lenders decline on trading age alone, Padington's panel reaches further into newer limited companies.
Larger commercial vehicles
HGVs, trailers and plant that sit outside the standard van finance panel most brokers work with.
What Padington offer
A broader spread of products than a vehicle-only broker, all through FCA-authorised lenders.
- Vehicle finance: contract hire, finance lease and hire purchase
- Asset finance for non-vehicle commercial assets
- Business loans: unsecured, secured and cash-flow
- Invoice finance
- Refinancing existing agreements and vehicles
How the relationship works
Honest disclosure of how broker introductions work, so there are no surprises on commission or who you are dealing with.
One point of contact
You deal directly with Siôn and our team at Sion Jones Commercials. We handle the back-and-forth with Padington so you are not juggling two brokers.
Commission disclosure
We may receive a commission from Padington or the ultimate lender when a deal completes. This does not affect the rate you pay. Lender rates are set by the lender, not the broker.
Full disclosure is set out in our Information Notice. You can request a commission figure in writing before accepting any deal.
How to apply
Talk to us. We assess whether Padington is the right route. We introduce you if it is and you qualify as an unregulated customer (typically a UK limited company or larger partnership).
You never have to work out which broker should see your enquiry. That is our job. If your deal fits our own panel better, we run it through ours instead.
FCA notice
Sion Jones Commercials are not able to introduce regulated clients to any kind of broker / lender as this is an act of credit broking and is regulated by the FCA where the client is a sole trader, individual, or small partnership.