Debeo is a UK fintech platform that gives SME businesses a smarter, clearer way to understand, manage, and apply for commercial finance, all in one place.
Built by Alex Beardsley, a commercial finance specialist with over a decade of frontline industry experience, Debeo tackles one of the most persistent problems facing UK businesses: the commercial lending market is opaque, fragmented, and firmly weighted in favour of lenders. SMEs manage multiple facilities across multiple lenders, with no real-time visibility over their true debt position, no easy way to compare costs, and no independent tool to assess what they can actually afford or compare finance facilities.
Debeo solves this. The platform connects to open banking data, Companies House, accountancy software, credit scoring and existing finance agreements to create a live, 360-degree view of a business’s commercial debt position. A real-time dashboard shows current liabilities, cashflow indicators, repayment schedules, and credit position, all updated automatically. AI-driven analytics calculate the true cost of borrowing, flag risks such as loan stacking or affordability pressure, and model the impact of different financial decisions before a business commits. When a business is ready to borrow, Debeo’s transparent eligibility tools match them to suitable finance options without commission bias or lender influence.
The result is something that has never existed in UK commercial lending: an independent, data-driven advisory layer that puts SMEs in control of their own financial story.
Alex Beardsley is the Founder and CEO of Debeo, a fintech platform reshaping how SME businesses access and manage commercial finance in the UK. With over ten years of experience in SME lending and having built and exited a successful commercial finance brokerage, Alex brings deep industry expertise and strategic vision to financial innovation.
She is a Chartered Marketer, Non-Executive Director at Business Enterprise Fund, and Director of The Whole Point, a national initiative supporting high-growth women-led businesses across the UK through data-driven ecosystem collaboration. Her work spans fintech innovation, inclusive finance and policy engagement, including participation in the FCA Innovation ecosystem and international trade missions promoting UK financial technology.
Through Debeo, she is on a mission to standardise commercial finance processes, increase transparency, and empower SMEs with real-time clarity over their debt helping to modernise and rebalance access to finance across the UK.