Straightforward borrowing for growth, working capital, stock, acquisitions, tax bills or consolidating expensive short-term debt. Unsecured for speed, secured for size and rate. We take one conversation and bring back options from across the market instead of the single answer your bank gives you.
Trading history, filed and management accounts, bank statements, and existing borrowing. Fintech lenders decide quickly on data; banks go deeper and price lower. We match the case to the lender whose criteria it actually fits, which is faster than applying blind and collecting declines.
For sole traders and small partnerships, we arrange lending above £25,000 only; below that, business lending to unincorporated borrowers becomes regulated consumer credit, which we do not offer. Limited companies are unaffected.
Missives, standard securities, LBTT and lender coverage all work differently north of the border. Read our guide to property finance in Scotland.
Our indicative view involves no search. When you proceed, we tell you which lenders soft-search first.
Many lenders allow it with reduced or no penalty; we flag the terms before you commit.
No. A bank declining says as much about its current appetite as about your business. It is often where our work starts.
Amount, purpose, rough turnover and one line on the business. One working day to real options.