The process
How it works, from your lines to your funding
Three steps. The application is short, and nothing commits you until the end.
Step 01
Apply in about two minutes
The amount, how to reach you and a few questions about the business. No paperwork first, no fee, and no effect on anything until you choose an offer.
- Free to send
- No documents needed to start
- No obligation
Step 02
Offers held up against your lines
A specialist gathers offers from lenders across the network and goes through each one with you: the amount, the payment and how often, the term, the total.
- Many lenders, one application
- Every offer read line by line
- Questions answered plainly
Step 03
Sign only inside them
If an offer sits within your lines, accept it, and once approved funds can arrive in as little as 24 hours. If none does, you walk away owing nothing.
- Your decision, not ours
- As little as 24 hours once approved
- Nothing owed for saying no
Draw your lines first
Five lines to draw before you read a single offer.
Offers are easier to judge against limits you set while nobody was selling you anything. Write yours down here if it helps; it stays on this page.
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The ceiling
What is the most this business should take on for this need?
The amount the job needs, not the most a lender will approve. Extra money still has to be repaid.
Read it on an offerThe amount offered, less any fees taken from it.
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The slow-week line
What is the biggest payment you could still make in your quietest week?
Several programmes repay daily or weekly. A payment that is easy in a good week has to survive a poor one.
Read it on an offerHow often it is collected, and how much each time.
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The finish line
By when do you want this paid off?
Funding that outlasts what it paid for, a season's stock or a machine's working life, keeps costing after the benefit has gone.
Read it on an offerThe term, and whether paying early saves anything.
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The total line
What is the most you are willing to repay, in total, for this money?
A rate on its own can hide the real cost. The number that matters is everything repaid, start to finish.
Read it on an offerThe total repayment.
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The walk-away line
What would make you say no, however good the rest looks?
A guarantee you will not give, collateral you will not pledge, a fee you will not pay. Decide it now, when it is easy.
Read it on an offerGuarantees, collateral, fees and early-repayment terms.
None of this is sent anywhere or needed for the application. It is a page to think on, and your specialist will happily go through any line with you.
On the level
What you can count on from us
Holding a line is easier when the people across the table are not pushing on it.
- Your limits come first
- We ask what you can carry before we talk about what a lender might offer.
- Every number shown
- Amount, payment, frequency, term and total, on every offer, before you sign anything.
- Saying no is free
- Turning down an offer costs nothing and ends nothing. The application stays yours.
- Never a fee to apply
- Applying and seeing what you qualify for is free, start to finish.
The application
Start your application
About two minutes: the amount, your details and a few questions about the business. Free to send, and nothing is agreed until you accept an offer.
The application is the way in, and it takes about two minutes.
