Stable

Borrow

Lending, payments, and acquiring — through one team, with fairer rates, faster decisions, and expert support.

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Loan Calculator

Monthly Payment:£955
Total Interest:£7,303
Total Cost of Finance:£57,303

Discover the opportunity within your payments; The latest technology to enhance your processes and lower your costs.

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Smart lending,
acquiring and FX

We handle the fintech, you focus on your business

Real world experience
Serving businesses like you

The Stable team has over 50 years combined experience working in SME finance. Stable offers a collaborative approach to reviewing your financial services performance

Borrow

Stable utilise a cutting edge AI lending tool, to cut the time to deal and cost of borrowing.

Borrow

Collect

Access a revolutionary digital storefront, ticketing and payment acceptance platform, opening up new channels for your business, while offering transparent and competitive acceptance rates.

Collect

Pay

Stable utilise modern payments technology to get you outstanding speed, rates and connectivity. Regardless of size and complexity, we have a solution to fit.

Pay

Optimise

Our industry experience can be utilised in a consultancy capacity, allowing us to solve problems beyond our core pillars of borrow : collect : pay

Optimise

Partnered with:

Finance with without friction.

Tangible benefits to your
processes and cost

Assess your current arrangement

Identify cost and efficiency savings

Replace with smarter services

On-going optimisation support

Why we started Stable

Bringing enterprise level services to SMEs

Tom Kiddle
Tom Kiddle
Co-founder

"Small and Medium sized businesses in the UK are being left behind. Sole traders and micro-corps have access to great apps, large multi-nationals get credible service from their banking partners- SMEs are often forgotten about with fragmented service that doesn't fit their needs. Our unique stack of partner technology allows us to work with SMEs on every aspect of their ability to Borrow, Collect and Pay, letting them get on with the important stuff...growing!"

Steve Paul
Steve Paul
Co-founder

"As an experienced finance leader, I have first hand experience in the pain UK Businesses face when utilising modern finance services. Ensuring you are utilising the most cost effective and high performance services is a time consuming and complex challenge. Stable was created to remove the pain and complexity"

Stable identify inefficiencies and opportunities within your current process- then help you improve by connecting you into the latest technology backed by Stable service and cost

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Introducers & Partnerships - Strategic Partnerships That Work

Stable partners with trusted advisers — from accountants to wealth managers — offering a value-add for your clients, and a new income stream for your business.

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We partner with:

  • Equestrian

  • Accountants

  • Wealth Advisors

  • Buying Groups

  • Private Equity PM

  • Family Office PM

  • Equestrian

  • Accountants

  • Wealth Advisors

  • Buying Groups

  • Private Equity PM

  • Family Office PM

  • Equestrian

  • Accountants

  • Wealth Advisors

  • Buying Groups

  • Private Equity PM

  • Family Office PM

  • Add value for clientsAdd value for clients
  • Additional Revenue streamsAdditional Revenue streams
  • Valued and trusted delivery partnerValued and trusted delivery partner

What our customers say

Multi-currency IBANs

"Our business has been looking at expanding into different territories but the challenges of getting non GBP accounts with our existing bank had made us feel like the complexity of simply receiving money was too much, let alone all the other elements of global expansion. Stable talked us through the options and came up with simple solutions we weren't even aware existed."

Amour Natural Ltd

Meet Amour Natural

Forward FX

"My business imports goods from China and often has to pay a deposit upfront with payment on delivery which can be 30-90 days post order. The stable team identified I have a currency risk between paying the deposit and the final payment which I had been wearing against my pricing over time. By booking a forward contract I was able to set my pricing at initial deposit and take comfort in knowing I was protected from any big swings in the market. The service from the team is excellent, not to mention their rates were also significantly better than my bank!"

Evergreen Goods

Meet Evergreen

Spot FX

"Having moved with my family to work abroad my pay is now in a different currency to the majority of my assets. Stable gave me access to market leading rates to be able to move money easily in the platform between currencies so that I could convert funds either way as my circumstances developed. The team were always available when I needed them and onboarding was simple and easy and with the multi currency account as I require more currencys it is as simple as selecting it in the platform rather than waiting for new accounts to be onboarded."

Private Retail Customer

Growth Capital

"When looking to expand my business I was overwhelmed with the amount of options or lack of available to me. When I approached my bank it was very difficult to get a conversation about what I really needed. The stable team came out to my office and listened to my plans, after asking some thought provoking questions we found solutions that could be paid back over a period of time that allowed me to grow my business quickly without significant new overheads. The process was quick and I was really impressed by their offers and pricing."

Jadlam Racing Limited

Meet Jadlam Racing

Stored. Storefront

"We know the quality of our product and finding a partner who so quickly and easily can allow us to produce campaigns to both show and sell our customisations has been a really exciting process. Tom started as a customer but it didn't take long for us to become a customer of Stable as the desire to help us to bring our product to new markets in new ways was too good an opportunity to miss."

Dirty Unicorn Limited

Meet Dirty Unicorn