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About Penny

We're transforming invoice finance and asset-based lending by giving UK businesses a new way to access instant, flexible cash flow.

Our technology makes advancing invoices as easy as any other digital banking activity, providing suppliers with on-demand access to working capital.

A platform developed by business owners, for business owners

We launched Penny in 2019, and since then, we've given thousands of SMEs the power to control cash flow on their terms. 

Each year we continue to grow and evolve, increasing our access to more and more freelancers, sole traders, startups and SMEs. We're proud of what we've achieved, and excited by what's still to come.

But Penny isn't about us. It's about you and your business.

A team committed to serving the underserved small biz community

The truth is, old-school banking and finance products simply don't serve a wide majority of UK SMEs. 

At Penny, we're committed to providing every type of business an accessible cash facility to draw down as and when needed.

Account portals give users ongoing access to Penny for however long they want it. New users receive account guides, and our client support team is on hand to help with onboarding questions, invoicing support and service terms.


We're committed to operational transparency, providing clear and accurate information to our customers, partners and team.


We're committed to making a positive impact, building long-lasting partnerships based on mutual trust and respect.


We're committed to being human - putting people at the heart of everything we do with a service that exceeds expectations. 


We're committed to honest communication and acting with integrity. While we'll always try our best to help, if we can't, we'll tell you.

Who are we

A shared vision for a fairer SME payments future

The vision for Penny came from years of working with business owners and realising their constant challenge of maintaining consistent income while waiting for customers to settle invoices. 

In our ideal world, no business would ever fail or compromise growth due to negative cash flow. Of course, that's a bold vision, but we're committed to making it happen. 

We don't believe lengthy payment terms should be the norm, and through Penny, we're committed to changing the status quo. 

Our people and our technology are what makes Penny the perfect invoice payments partner.

Our leadership team

Operations & Risk Director

Vaida Narbutaite

Company Director

Mark Tuvey

Head of Revenue

Bobbie Knight

Head of Products & Partnerships

Lauren Spring


Commercial Finance Brokers, Accountants & Marketplaces

Our embedded integration solution, Penny Connect, enables partners to seamlessly integrate with our network and bring Penny to their customers. Get in touch with our partnerships team to find out more.

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