The Pay4 Story

The Pay4 concept was born out of a realisation that growing SMEs would benefit from access to a wider range of business finance. Quick to setup, simple to use, and flexible. A different kind of finance company.


In 2013, entrepreneur Rob Keown-Boyd joined forces with Chris Burt, an experienced CTO to bring the concept to life. Together they saw the opportunity to create something genuinely different - a smarter way to deliver working capital.


Finance would not be secured against business assets, meaning it could be used alongside existing finance. Fees would only be payable as and when the customer chose to use the facility. And working capital would be delivered where it was needed most: providing credit to settle supplier invoices.

In short, choosing Pay4 would deliver simplicity and flexibility, to enable business growth.


Here at Pay4 we’re driven by the success of our customers. We measure our success as much in our customers’ growth as our own. With a 100% repeat transaction rate, we know that we’re providing what’s required to help their businesses prosper. Helping them to take control of their cashflow, improve stock levels, secure better terms with their suppliers and to seize opportunities for growth as they arise.

With a fully automated online process and a dedicated account manager on the end of the phone, it means you get the best of both worlds: quick and streamlined transactions plus excellent customer care. With approval ratings so high, we’re proud of the relationships we’ve built with our customers.

Our success is down to the uniquely simple and flexible solution that Pay4 provides. Read our customer stories to find out how Pay4 has helped businesses achieve the growth they deserve.

Customer Service Level Approval Rating

Ease of Use Approval Rating

Positive indicative decision to confirmed facility offer

Repeat Transaction