Start to finish, the journey is short and follows the same shape every time. Knowing the order up front means nothing takes you by surprise.
- You tell us the basics. A few company details and what the finance is for.
- You connect your business account. Read-only, by Open Banking, so we can assess affordability without you uploading statements. See how Open Banking speeds up your application.
- We assess. Cash flow plus a business credit check produce a decision — see how we decide whether to lend.
- You get an offer. With the amount, term, schedule and total cost shown in full.
- You accept — or not. Nothing is committed until you sign; see what happens after you accept your offer.
- Funds are released. To your business account.
The form is minutes; the decision is covered in how quickly will I get a decision. The detailed version of this journey is in the steps in the application journey.
Where you can pause
If you need to step away, you can save and finish later, and you can check your status in your portal at any point.
Ready to walk it? Apply.
We lend only to UK limited companies and LLPs, the loan is to the company with no director personal guarantee, and this is business finance outside the consumer-credit regime — as an exempt lender under Article 60B of the Regulated Activities Order we sit outside FCA consumer-credit regulation, so the Financial Ombudsman Service and FSCS do not apply.
See also: The steps in the application journey, What happens after you accept your offer?, How quickly will I get a decision?.