Loans & Credit
A decision you can understand
Every credit decision comes with the reasons behind it, written by the analyst who made it. Approved or declined, you learn something you can act on.
- Decision time
- 1 day
- Early repayment
- £0
- Arrangement fee
- £0 – 1.5%
- Maximum
- £4m
Products
Three routes to funding
Eligibility checks use a soft search and leave no mark on your credit file.
Personal loan
6.9% APR representative
Fixed monthly payment, fixed rate, and settlement at any time with no penalty and no interest on the unused term.
- Amount
- £1,000 – £35,000
- Term
- 1 – 7 years
Business term loan
From 7.4% APR
Growth, equipment or acquisition finance underwritten by a named credit analyst who will explain the decision.
- Amount
- £25,000 – £4,000,000
- Term
- 1 – 10 years
Revolving credit
From 9.1% EAR
Draw and repay as cash flow moves. Interest accrues daily on the drawn balance only.
- Amount
- £10,000 – £750,000
- Term
- Rolling, 12-month review
Process
From application to funds in about three days
No brokers, no packagers, no fee for the privilege of applying.
- 1
Soft eligibility check
Two minutes, no mark on your credit file, an indicative rate.
- 2
Full application
Open banking data instead of six months of PDF statements.
- 3
Named analyst decision
Within one working day, with written reasoning.
- 4
Funds released
Same day on acceptance for amounts under £250,000.
Representative example
- Amount borrowed
- £10,000
- Term
- 5 years (60 months)
- Interest rate
- 6.7% fixed p.a.
- Monthly repayment
- £196.24
- Total amount repayable
- £11,774.40
- Representative APR
- 6.9% APR
- Early settlement fee
- £0
Representative example. 51% of successful applicants receive the representative APR; your rate depends on your circumstances. Borrowing is subject to status and affordability.
FAQs
Questions, answered plainly
Next step
Find out what you could borrow
Two minutes, a soft search, and an indicative rate you can rely on. Borrowing subject to status and affordability.