About Us

About Guavas Finance

Guavas Finance is a UK commercial finance broker, not a lender, specialising in working capital finance for established SMEs, with primary expertise in invoice finance.

We help UK founders and business owners find the right funding: one quick form, smart matching across a 50+ UK lender panel, and support from start to finish.

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About Guavas Finance

Working Capital Finance Specialists for UK Businesses

We help businesses improve cash flow, unlock capital tied up in unpaid invoices and arrange flexible funding facilities to support day-to-day operations, growth and changing working capital requirements.

Our core expertise includes invoice factoring, invoice discounting, asset-based lending, revolving credit facilities and business credit lines, backed by access to a panel of over 50 UK commercial finance providers and specialist funders. Where appropriate, we can also arrange wider commercial finance.

Alongside arranging funding, Guavas provides a free resource hub with practical guides, lender comparisons, educational content and funding tools to help businesses understand working capital finance and make informed funding decisions.

Our mission

Why Guavas exists

Business owners face a lot of finance options and very little help choosing between them. Guavas was started in 2023 to make that choice simpler. You answer one set of questions. We match your answers against a panel of 50+ UK lenders and show you the options most likely to suit your business. A person from Guavas then stays with you through the process.

Key facts

How Guavas is paid
You do not pay Guavas a fee. If you take up a facility, the lender pays Guavas a commission, which is built into the lender's charges.
Regulation
Guavas Finance Ltd (FCA reference number 1053082) is an Appointed Representative of Swoop Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 936513). Guavas is a credit broker, not a lender.
Our panel
We arrange funding through a panel of 50+ UK lenders and match each business to the lenders most likely to say yes.
Free guides and information
Guavas is also a free-to-use UK resource bringing together practical guides, information, comparisons and a free lender search for business owners working out how funding works. Our Knowledge Guides cover invoice finance, business loans, business credit cards and more, with more than 70 guides, no account and no form.
Awards

Highly Commended: Invoice Finance Broker of the Year, Business Moneyfacts Awards 2025

Confirmed Finalist: Invoice Finance Broker of the Year, Business Moneyfacts Awards 2026

Legal name
Guavas Finance Ltd
Company number
14987379
Incorporated
7 July 2023
Registered office
71-75 Shelton Street, Covent Garden, London, WC2H 9JQ
ICO registration
ZB572312
Trade body
Member of the NACFB

The people

Our Team of Experts

Our team brings together finance, data and client-service experience. We keep the business owner's interests first in everything we arrange.

  • Ben van Rooyen

    Founder & CEO

    Ben van Rooyen, an accomplished entrepreneur and finance expert, founded Guavas in 2023 to revolutionise commercial financing for SMEs. With over 16 years of experience in senior roles across the financial services sector, Ben combines deep industry expertise with first-hand entrepreneurial insights. His mission is to simplify complex financial landscapes, enabling businesses to make informed decisions and access the capital they need to thrive.

    LinkedIn

  • Ruan Palvie

    Head of Operations

    Ruan is a results-driven strategist with a strong focus on operations, analytics, and business problem-solving. He joined Guavas as Founder's Associate and now heads up day-to-day operations, driving efficiency and integrating emerging technology into everyday processes. His background in Financial Economics, International Business, and asset management shapes smarter financial solutions that help SMEs thrive.

    LinkedIn

  • Lawrence Neff

    Commercial Finance Specialist

    Lawrence Neff is a seasoned banking and client relations professional with over 12 years of experience across relationship management, sales, financial product advisory, and customer experience. His expertise spans trust building, communication, conflict resolution, needs-based analysis, and value-driven client engagement. Since joining Guavas in 2026, he has made a measurable impact, helping business owners navigate their financing options with clarity and confidence.

    LinkedIn

Get your funding options

Answer a few questions and the right lender will be in touch. Guavas doesn't charge you a fee. It is paid a commission by the lender.

Get a quote