Responsible Funding

Our commitment to you.

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Responsible Funding

Our commitment

We are committed to funding in a responsible way, because in short, it’s the right thing to do. 

As you, our customer, are at the heart of what we do, we’ve designed our products to be as transparent as possible to help you make informed choices. We’re always at hand to answer any questions (and put anything needed in writing too). 

Whilst the Business Cash Advance industry is not currently regulated, we take our responsibilities as a finance provider very seriously.


Our part – To provide funding properly

Before we advance you any money, we want to ensure it’s the right thing to do for you and your business. So we like to be as certain as can be that you can afford to pay it back. Linking pay back to your future debit & credit card sales helps us (both) to understand this, so you’re in control of your money, as you’re in control of your business performance.

You will need to talk to us (sorry, no machines here), so we can understand your business and importantly, be flexible to accommodate your needs. Our experience and judgment are important parts of the process and applied in a skilled way to make a genuine assessment of your ability to pay back. 

We use a number of sources of information to help us understand your business. We carry out both company and consumer credit bureau searches, which leave a record of the search on the both credit files however, neither credit score will be impacted. With your consent, we may also contact trade references, mortgagees (the lender/bank) or landlords.

All our communications are written in plain English to help ensure this, avoiding legal jargon and gobbledegook where possible. Our communications are triggered at appropriate points to ensure you are fully informed. 

If you are unable to pay back your business cash advance, we will try everything possible to work with you to agree a pay back method. 

We love to say yes and so if we decide a business cash advance is not for you, it will usually be because we are trying to protect your financial health or it is too risky. And if we can’t help you, we’ll always tell you why.


Your part – To act responsibly too

We like advancing money because it’s helping businesses across the UK survive and grow. We’ve said that we’ll be responsible and we’re all adults here, so we expect you to do the same, so please consider your own position before you commit:

  • Can you afford to pay back the money (we’ve helped you by linking this to sales, but you need to have a business which will continue to trade)?
  • What happens if there is a change to your business; for example, if a competitor starts to take your customers?

We’re not trying to put you off, but we both need to be happy – and we’d be irresponsible if we didn’t encourage you to think about it. 

And if we say no, it’s because we think it’s for the best – so while it might be tempting to try and raise the money elsewhere, it might not be the right thing to do. Always bear in mind the potential risks and the long term damage it might do to your financial health.