How it works
From enquiry to funds,
in six clear steps.
Start with a quick instant quote. A specialist broker then reviews your enquiry, gathers only the documents your case needs, takes it to the right lenders across the whole of the market and sees it through to completion. You stay in control, and nothing goes to a lender without your say so.
What happens, step by step
- 1
Get your instant quote
Answer a few questions on our Instant Quotes page about your profession, how much you need and what it is for. It only takes a few minutes, and you see the types of funding and indicative options that match straight away. There is no credit search and no obligation.
- 2
A broker reviews your enquiry
Your enquiry comes straight to a specialist broker, not a call centre. We read it, check your practice on Companies House where relevant, and come back to you by email or phone to fill any gaps and agree the best route.
- 3
You send the key documents
We tell you exactly what is needed for your case and nothing more. For most practices that means recent accounts and six months of business bank statements, plus deal papers for a purchase or buy in. You can upload them securely or simply email them.
- 4
We take your case to the right lenders
We present your case to the lenders across the whole of the market that suit your profession and the type of funding, rather than sending your details everywhere. Nothing goes to a lender until you have agreed.
- 5
You compare the offers
We set out each option side by side in plain English, with the monthly payment, total cost, term, security and any personal guarantee. Fees depend on the lender, and you see the full cost before you commit. You choose whether to go ahead.
- 6
We see it through to the money in your account
Once you choose an offer we handle the application, chase underwriting, and keep the lender, your accountant, your solicitor and any vendor working to the same timetable until the funds land.
How long it takes
Typical timescales.
- Unsecured loans and cash flow funding. Often a few days to two weeks from documents in.
- Fee funding, PII and tax bill funding. Usually days, as the renewal notice or tax bill does most of the work.
- Practice purchases, buy ins and secured lending. Typically several weeks, driven by due diligence, valuation and legal work.
Every case is different and timings depend on the lender. Having your documents ready is the single biggest thing that speeds it up.
Whole-of-market
We search the whole of the market. Not tied to one lender or one product.
Specialist understanding
Fee blocks, WIP, PII and partner capital. We know the pressure behind the request.
Managed end to end
We structure the case, approach suitable lenders and manage the process to completion.
What we’ll ask for
Having these ready speeds things up.
- Your last two or three years’ accounts, and recent management accounts
- Recent business bank statements
- Details of existing borrowing, leases and finance agreements
- For an acquisition or buy-in: the heads of terms or partnership, LLP or share agreement
- For cash-flow funding: aged debtor and WIP reports
- For premium or tax funding: the renewal notice or tax calculation
- Personal details of the owners, partners or directors, as lenders will require
Not everything is needed for every enquiry, and we will tell you what matters for yours. Our guide to preparing a finance application explains what lenders look for and why.
How we are paid
Transparent from the start.
We may charge you a fee for our services and, in addition, the lender we introduce you to will typically pay us a commission, either as a fixed fee or as a percentage of the amount you borrow.
Lenders may pay commission at different rates and, for certain lenders, the level of commission may influence the interest rate or other pricing applicable to the finance agreement.
Our recommendation as a broker is not affected by whether or not a lender pays us commission.
If you would like further information about any commission paid to us by a lender, including the amount, please ask us in writing.
Where a client fee, broker fee, appraisal fee or commitment fee applies, this will be disclosed separately before you proceed.
Questions
About the process.
Is the first conversation really no-obligation?
Yes. The initial discussion is confidential and there is no obligation to proceed. It is the best way to find out whether finance is realistic and what it might look like.
Are you a lender?
No. We are a whole of market commercial finance broker. Lenders make the lending decision, and all finance is subject to status, lender criteria and approval.
Why use a broker instead of going to my bank?
Your bank sees your practice through its own criteria. The wider market includes challenger banks, specialist professions lenders, asset finance houses and alternative funders, some of which understand professional practices far better. We know where to take each type of case.
Will you replace my accountant or solicitor?
No. We arrange finance. Your accountant advises on tax and structure and your solicitor on the legal documents. We work alongside them.
Is business finance regulated?
Some of it is. Finance of £25,000 or less for sole traders and small partnerships can be regulated consumer credit, and we’ll tell you at the outset if that applies. See our guide to business finance and consumer credit.
In our clients’ words
“We had already approached other finance companies who weren’t able to help. From our first conversation to everything being completed took around 7 days, and they kept us informed throughout. If you’ve struggled to get help elsewhere, I would absolutely recommend giving them a call.”
Professional Practice Loans
Specialist understanding. Whole-of-market access.
Professional finance arranged through an established commercial finance brokerage.
Let's talk
Finance for
what's next.
Before you approach a lender, speak to someone who understands the transaction. Confidential, no-obligation initial discussion.
