The Finance X Change (Wales) Ltd

Business Finance Brokers · Carmarthenshire, Swansea · Est. 2004

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With over 22 years of continuous trading history, The Finance X Change (Wales) Ltd is one of the longest-established firms of its kind in the UK. Founded in 2004, the firm has navigated multiple economic cycles and regulatory changes, demonstrating the kind of institutional resilience that only comes from decades of sustained operation.

It is one of 9 business finance brokers listed in Swansea on this index of 2320 UK firms in the category.

Directors should take the personal guarantee seriously: it survives the company and often requires independent legal advice.

A broker packages the credit submission and negotiates terms across a panel of business lenders. The regulatory position depends on borrower and product: company lending is largely unregulated, small sole-trader lending is not.

Alternative lenders assess cases differently from the high street, which is where placement knowledge pays.

Because pricing is negotiated rather than published, the quality of the credit submission often matters more than advertised rates. Fee triggers deserve precision: completion, offer issue, or application, each firm differs.

Some firms charge an upfront assessment fee; ask for the complete fee schedule in writing first.

Important notice: Data on this page comes from the public Companies House register. Kaeltripton.com is an independent directory service, unaffiliated with The Finance X Change (Wales) Ltd or any listed firm. This page does not constitute financial advice. Always verify a firm regulatory status on the FCA Register at register.fca.org.uk and Companies House status at companieshouse.gov.uk before entering into any arrangement.