SubMate
SubMate is building the operating system for UK equipment finance — connecting equipment vendors, asset finance lenders and SME operators through a single decisioning platform. From open banking-powered underwriting to automated deal routing, the platform helps SME operators access equipment finance that traditional lenders often overlook, not because they’re poor risks, but because conventional credit models assess balance sheets rather than real operational cash flow.
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Founded by Chris Roberts, SubMate brings together experience across fintech, B2B sales and operations, building SubMate Intelligence — a proprietary underwriting engine using open banking data and Companies House records to score operators in real time.
With an active vendor pipeline across vending, beauty and aesthetics and hospitality, SubMate is developing infrastructure to serve a UK equipment finance market that has, until now, been underserved by both traditional lenders and existing broker platforms.