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Before you send it
On a straightforward unsecured loan, most clients have a decision within four hours and funds within three to five working days. Secured and property-backed deals take longer because of valuation and legal work, so allow two to six weeks.
Not to enquire, and not if the deal does not complete. When a lender funds your deal, the lender pays us a commission. On a small number of specialist cases there is a broker fee, and where that applies you will see the exact figure in writing before you commit to anything.
No. We use soft searches to work out which lenders are likely to say yes. A hard search only happens once you agree to proceed with a specific lender, so you avoid the footprint of applying to six places at once.
On most unsecured business lending, yes. A director's guarantee is standard and it is not the same as putting your home up as security. We will explain exactly what you are signing, and what would have to go wrong for it to be called on, before you sign it.