0115 MINUTES
Application received
You send us the form. We check completeness, confirm the facility you need is one we arrange, and acknowledge by email with your named advisor.
Now serving clients across Europe, the Middle East, Asia, North America, and OceaniaFunding via our corresponding partner financial institutionsAverage closing time: 18 days, 4 hours faster than industry average
Approval ProcessHow a file gets
How a file gets
to yes.
No black boxes. Below is the exact sequence a submission travels through, the criteria our underwriters weigh at each stage, and the paperwork worth having ready before you start.
021–2 BUSINESS DAYS
Partner matching
We place your profile with the lenders most likely to fund it — by sector, jurisdiction, facility size and security type. You receive indicative terms, not a hard credit search.
033–5 BUSINESS DAYS
Underwriting
A credit analyst reviews affordability, security valuation and covenant fit. This is where a rate stops being indicative and becomes an offer, in writing.
04WITHIN 2 WEEKS
Offer, signing and disbursement
You sign the facility agreement, security is registered where required, and funds are released to your nominated account.
Underwriting criteria
The six things a credit analyst looks at.
- Affordability
- Serviceable from existing cash flow, with headroom for a rate shift.
- Security cover
- Valuation of the asset or deposit against the amount advanced.
- Trading history
- Two years of accounts for businesses; twelve months for asset finance.
- Credit conduct
- Recent conduct matters more than an old event you have since cleared.
- Purpose
- A clear, lawful and documented use of funds.
- Exit
- How the facility is repaid or refinanced at the end of the term.
Have these ready
- Photo ID and proof of address for each borrower or director
- Two years of filed accounts, or twelve months of management figures
- Three to six months of business bank statements
- Details of the asset, property or collateral offered as security
- A short statement of purpose and intended exit
If a decision is declined
You get the reason in plain language, and where it is fixable we tell you what would change the answer — a larger deposit, a different security, a shorter term, or simply waiting a quarter. We can then re-place the file with a different lender at no additional cost.
Read the full process in detail