# Sefain Ltd

Sefain Ltd is a London-based financial services company founded in 2020 that helps individuals and businesses reduce their costs across utilities and payment processing. The company operates on a unique guarantee model: they pledge to save clients money on their current deals or pay them £50, demonstrating confidence in their service delivery.

For consumers, Sefain offers bundled utility packages combining gas, electricity, broadband, mobile, landlines and home insurance under a single bill and provider. Their approach addresses the UK's cost of living crisis by securing the cheapest fixed energy tariffs available, with new services typically activated within 2-5 working days. The bundled model simplifies administration whilst ensuring savings across multiple services simultaneously.

For businesses, Sefain partners with Barclaycard to provide merchant solutions, guaranteeing at least 20% reductions in credit card processing charges. They offer comprehensive card payment solutions tailored to retail shops, coffee shops, convenience stores and other SMEs across the UK, with same-day or next-day fund settlement. The company's background in hospitality—the founder spent 24 years in hotel management—informs their understanding of business cost pressures.

What distinguishes Sefain is their results-driven guarantee, combined bundling of utilities (claimed as the only such offering in the UK), and sector-specific expertise. They remove switching friction by handling the complexities, allowing clients to focus on their core operations.