IntegraFin Holdings plc is a prominent UK financial services firm best known as the operator of Transact, an award-winning investment wrap platform designed for professional financial advisers and their clients. Founded in 1999, the company provides the essential infrastructure for advice-led investing, allowing advisers to hold, trade, and administer a wide range of investments—including funds, shares, and cash—in a single place.
IntegraFin's business model is highly focused, with approximately 97% of its revenue generated by the Transact platform through platform and administration fees based on Funds Under Direction (FUD). The remaining 3% of revenue comes from its subsidiary Time4Advice, which provides CURO, a Microsoft-based client relationship management (CRM) software tailored for financial advice firms. Through its Integrated Financial Arrangements Ltd (IFAL) subsidiary, the company acts as a custodian for platform assets and serves as an ISA manager and Self-Invested Personal Pension (SIPP) operator. Additionally, its insurance and life assurance divisions, IntegraLife UK and IntegraLife International, provide pension and bond products directly on the Transact platform.
Operating almost exclusively in the United Kingdom, IntegraFin benefits from a highly recurring revenue model driven by long-term client relationships and consistent platform usage. The company's competitive position is underpinned by its proprietary technology, high client retention rates, and its historical status as a pioneer in the UK adviser platform market.
