Business lending · UK limited companies
A lending decision in minutes, not weeks.
We read the business's own bank data and decide online, in real time. One fixed rate for the term, one flat fee, and an agreement written so a director can read it in one sitting.
- 00:00Bank account connectedOpen banking
- 00:04Transactions read18 months
- 00:31Affordability checkedPass
- 00:58Director & company checksPass
- 01:52DecisionApproved
Amount
£48,000
Term
12 mo
Rate
Fixed
Illustrative. Timings and figures are an example, not a quote.
- Decision in minutes
- Fixed rate for the term
- £150 flat fee
- £0 early-repayment fee
- Ltd & LLP only
- Partner brokers only
How it works
Three steps. One sitting.
The decision is made from the business's own numbers, and we show the working rather than hide it behind a scorecard.
- 01
Connect the bank account
Your client links the business's bank account through open banking. No PDFs, no spreadsheets, no re-keying of forms they have already filled in elsewhere.
- 02
We read it, and decide
Our agents read the cash flow and run the company and director checks. The answer, with the amount, term and rate, comes back in minutes, with the reasoning shown.
- 03
Sign, then draw down
A short agreement in plain English, signed online. Funds are released once it is signed.
What we say up front
The terms, in one table.
Everything a broker needs to tell a client before they connect their account. Nothing here changes after the decision.
- Who
- UK limited companies and LLPs with a trading business bank account
- Decision
- Online, in real time, from the business's own bank data
- Rate
- Fixed for the whole term. The number does not move.
- Fee
- £150, flat. There are no other charges.
- Early repayment
- £0. Repay early and you stop paying interest; that is all.
- If a payment is missed
- What happens next is written in the agreement before you sign, in plain English.
- What we do not do
- Consumer credit, or long processes.
For brokers
We lend through you.
We work with a small number of commercial finance brokers who want a fast, honest answer for their clients. Here is what that looks like in practice.
An answer while the client is still on the phone
Real-time decisions. You are not waiting days for an underwriter to come back.
A clear no, fast
If we cannot lend, you hear that in minutes as well, with the reason.
A contract your clients can read
Short sentences, no tricks. Fewer questions back to you after signing.
Founders on the other end
We are a small, agent-run lender. Partner brokers deal directly with the people who make the decisions.
Partner enquiry
Tell us about your firm
One of the founders will come back to you directly.