How it works
A clear path from enquiry to capital for single-owner businesses — with commercial underwriting at every stage.
Application
Submit company details, funding need, trading profile and sole owner information through our secure form. Most single-owner businesses complete this in under 15 minutes.
Decision in principle
Our lending team reviews purpose, turnover, ownership and credit indicators. You receive an indicative decision and outline terms — subject to documentation and final approval.
Owner verification
After approval, upload the sole owner’s passport, ID (front & back), selfie, selfie with ID, business and owner proof of address, plus bank details. Memorandum & Articles are optional.
Funds released
Once conditions are met and the facility agreement is signed, capital is transferred to the registered business account. You manage repayments and documents via business login.
What we look for
Active trading history, coherent use of funds, capacity to repay from business cash flow, transparent ownership and clean KYC for signatories.
Typical timelines
Initial review often within a few business days. Full underwriting depends on how quickly owner ID, address proofs and bank details are completed.