Assessment

Business finance assessment

Answer a few short questions and get an instant initial outcome before sending your enquiry for a bespoke quote.

Step 1 of 11

Quick initial assessment

Are you a business owner?

We use this as the starting point for the assessment.

YesI’m applying as the business owner or decision-maker.

NoI’m not the business owner.

How much would you like to borrow?

Type the amount or choose a common figure.

How long have you been trading?

Choose the bracket that best fits the business.

0 - 11 monthsNewer trading profile.

12 - 23 monthsEstablished but still younger.

24+ monthsTwo years or more of trading history.

What is your annual turnover?

Type the amount or choose a common figure.

What is the company type?

This controls whether we ask for a Companies House lookup.

Limited companyLimited company, LLP or incorporated entity.

Sole traderTrading personally, not via an incorporated company.

Search your business

For limited companies, we can search Companies House and pull through the company details automatically.

If lookup is unavailable, you can still continue by typing your business name manually below.

Are you one of the company directors?

Choose the director that matches you. If none are shown, you can still continue manually.

If the right director is not shown, you can still continue and we’ll review it manually.

What will the finance be used for?

Choose the route that best matches the enquiry.

Equipment / machineryAsset-backed finance for business equipment. Vehicle or fleetVans, cars, HGVs and wider fleet requirements. Working capitalShorter-term cash flow or operating support. Growth / expansionGeneral business growth funding. RefinanceRestructuring or replacing existing borrowing. OtherNot listed above.

Have you ever defaulted on a business loan or had a CCJ?

Answering honestly helps us point you toward the right route.

YesThere has been a default, CCJ or similar issue.

NoNo defaults or CCJs.

Have you applied for business finance in the last 30 days?

Recent application activity can affect which route is best.

YesThere has been a recent business finance application.

NoNo recent business finance applications.

How is your personal credit profile?

For many SME cases, personal credit still matters as part of the wider review.

ExcellentClean profile with strong conduct.

FairSome minor issues or average conduct.

Not the bestMore meaningful credit issues.

Are you a homeowner?

This helps us judge which lenders may be most relevant.

YesI own a home.

NoI do not own a home.