How we get paid

You do not pay us to explore your options. We cap what we earn at 5%, while much of the market takes up to 10%. You see the exact figure, in writing, before you commit.

You choose how our fee is covered

In most deals the lender pays us when your funding completes, whether as a fixed fee, a set rate, or a share of their arrangement fee. Often that is built into the facility, so there is nothing to pay us out of pocket, though, like the rest of the loan, you pay interest on it over the term. Some clients prefer to pay it directly, which works out a little cheaper overall. We show you both, with the real numbers, so you can pick what suits your cashflow.

Where a lender does not pay us

Some lenders do not pay commission, or pay below the level we need to provide our service properly. In those cases we charge you a success fee instead, between 3% and 5% of the loan, set by the product and the loan size. It is only payable if your funding completes and you draw the money.

No completion, no fee.

Commercial property and acquisition finance

Commercial property and acquisition finance works a little differently. These deals need additional work upfront: fundability checks, lender memos, financial modelling and matching, before we can get you credible terms. For these we agree a retainer at the start that covers that work. It is set out clearly before you sign, and if the deal completes, the retainer comes off your success fee in full.

You always see it in writing

Before you sign any finance agreement, we give you a letter disclosing our commission for your specific facility. It sets out exactly how we are paid on it, so there are no surprises.

We are independent

We are not tied to any lender and we do not mark up your rate. We are paid to find you the right deal and get it done, not to push whatever pays us most. If the best answer for you is a product that pays us little or nothing, that is still the one we will recommend.

No VAT to add

Our fees and commission are exempt from VAT, so there is no VAT added to what we earn.

Doing good beyond finance

We give a share of every completed deal to Hatch Enterprise, a charity that helps underrepresented founders start and grow. Funding your business helps fund someone else's.