Funding with one fixed fee
No interest and no APR. Here is exactly what you get, who it is for, how long it takes and what we need from you.
What you get
Working capital for your business, paid into your account, for a single fee you know in advance.
Funding from £2,000 to £250,000, repaid over three to eighteen months. You can spend it on anything your business needs: stock, marketing, equipment, staff, a refurbishment or a tax bill.
There is no interest rate. You pay one fixed fee, and you repay the amount plus that fee. We look at how your business trades, not just at assets, so younger businesses with healthy sales can qualify.
No collateral is needed. For larger amounts we may ask for a personal guarantee, which we explain in your offer.
Who can apply
UK limited companies are the usual fit. We also consider sole traders and partnerships case by case.
How long it takes
Application
About ten minutes online.
Decision
Usually within 24 hours of receiving your full documents.
Offer and agreement
Review your fixed fee and sign online, the same day if you like.
Funds in your account
Typically one to three working days after signing.
What we need from you
Photo ID
For the owner or a director.
- UK passport (photo page), or
- UK driving licence (front and back)
- In date, all four corners visible
- PDF, JPG or PNG
Business bank statements
Your main trading account.
- 3 to 6 months, as PDF
- Download from online banking
- Every page included
- Up to 6 files
Good to know
What is the fixed fee?
It is a single charge, agreed with you before you sign. You repay the amount you borrowed plus the fee, and nothing else.
Is there an interest rate or APR?
No. We do not charge interest, so there is no APR. The fee does not grow with time or change after you sign.
Who can apply?
UK-registered businesses with a UK business bank account that have traded for at least four months and take at least £2,500 a month in card or online sales, with no recent insolvency or significant county court judgments.
How quickly will I get a decision and my funds?
Most decisions arrive within 24 hours of receiving your full documents. Once you accept your offer, funds typically reach your account in one to three working days.
Which documents do I need?
Three to six months of business bank statements as PDFs, and photo ID: a UK passport or a UK driving licence.
Do I need security or a guarantee?
No collateral is needed. For larger amounts we may ask for a personal guarantee from a director, and we explain this clearly in your offer.
Can I top up later?
Once you have repaid a good part of your funding you may be offered a top-up, subject to a fresh review of your business.
How is my information handled?
We use your documents only to assess your application. See our privacy policy for details.
See your fixed fee today.
Apply in about ten minutes. Checking your offer does not commit you to anything.