No. However you found us, your application is assessed on exactly the same basis — your company's trading, cash flow and credit picture. We are a direct lender, so there is no broker in the middle and no different tier depending on the route you arrived by.
Same assessment, same terms
The decision follows affordability and the company record — how we decide whether to lend — not your referral source. Because we lend directly, there is no broker fee whichever way you came in, and the offer you see reflects your business, not a channel.
Applying through our own secure site keeps everything clean and safe — is the application page secure how do i check. Be wary of any third party asking for a fee or your password on our behalf — how do i know a message about my application is really from you.
Compare on the substance
If you are comparing options, do it on total cost and terms — model ours at Credicorp Tools and see how we differ from a bank in how is applying different from a bank.
Apply directly, on equal terms.
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: Is there any cost to apply?, How is applying to Credicorp different from applying to a bank?, Is the application page secure — how do I check?.