How we get paid

You do not pay us to explore your options. In most cases the lender pays us when your funding completes. For some deals a success fee or a retainer applies instead. Either way, you see exactly how we are paid, in writing, before you commit.

Most finance: no upfront cost

For most business finance, the lender pays us a commission when your funding completes. It costs you nothing on top. Different lenders pay in different ways: a fixed fee, a set rate, or a percentage of what you borrow. We tell you which applies to your deal.

Where a lender does not pay us

Some lenders do not pay commission, or pay below the level we need to run a deal properly. In those cases we charge you a success fee instead, between 3.5% 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 and acquisition finance

These deals need real 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 Commission Disclosure Letter for your specific deal. 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 the figure we quote is the figure you pay. There is nothing added on top.

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.