What happens after I submit the Quick Quote form?

Part 1 – Immediate confirmation and secure triage

As soon as you submit the Quick Quote form, you’ll receive an on‑screen confirmation and an email receipt of your enquiry. Our AI begins securely analysing your details against a curated network of UK lenders and specialist brokers to identify potential matches. There’s no obligation and no upfront fees to use our service.

Instant acknowledgement

You’ll see a confirmation message within seconds, and we’ll send a copy of your submission to the email address you provided. If anything looks missing or unclear, we’ll flag it in that email so you can reply with any clarifications. This helps speed up the eligibility check with potential providers.

AI matching begins

Our matching engine compares your business profile, funding purpose, sector, and requested amount with live appetite signals from lenders and brokers. It prioritises providers who are currently active in your industry and who typically support the type of finance you need. This saves you time contacting multiple firms individually.

What we use your details for

We use your information only to identify suitable finance providers and to make relevant introductions. We never sell your data, and we only share it with carefully selected partners connected to your enquiry. You stay in control and can opt out any time by replying to our confirmation email.

No credit footprint at this stage

Submitting a Quick Quote on our site does not create a hard search on your credit file. Initial assessments by our partners usually involve soft checks or no checks until you formally proceed. A hard search will only occur with your consent if you choose to apply with a provider.

Indicative timelines

We aim to complete initial triage on the same business day, often within one working hour during office times. Introductions to suitable providers typically follow within 2–24 hours, depending on complexity and sector. For urgent cashflow needs, let us know and we’ll prioritise your enquiry where possible.

Part 2 – Intelligent matching and human review

After the AI pre-screens your details, our UK team performs a quick human review to ensure the matches make practical sense. This adds a layer of common‑sense checking, especially for nuanced cases or sector‑specific funding. It also helps avoid irrelevant introductions.

How our AI selects finance routes

The system maps your enquiry to likely funding types including cashflow loans, equipment or asset finance, invoice finance, vehicle and fleet funding, fit‑out finance, and sustainability‑linked options. It considers deal size, trading history, affordability indicators, and stated purpose. It then shortlists partners with recent activity in comparable scenarios.

Factors considered

• Sector and use‑case: e.g. refurbishments, equipment purchases, or working capital.
• Business profile: years trading, turnover range, and profitability trends.
• Funding characteristics: amount, term, repayment preference, and security appetite.
• Live lender appetite: who is actively lending in your space right now.

Human oversight by our UK team

Our team checks for missing context, seasonal trading considerations, and edge cases like multi‑entity groups. If a quick clarification could unlock better matches, we’ll email or call to confirm. Clear, fair and not misleading communication underpins our approach at every step.

Who we can and can’t help

We commonly support established UK businesses across construction, manufacturing, logistics, professional services, healthcare, retail and hospitality. If you’re exploring finance for restaurants or hospitality, see our page on restaurant loans and hospitality finance options. We do not currently support start‑ups, sole traders, franchises, property finance, or commercial mortgages.

Part 3 – Introductions to providers and your next steps

When the match is ready, we’ll introduce you by email to one or more lenders or brokers who appear suitable for your case. You may receive a brief rationale for each introduction so you know why they’ve been selected. You’re free to engage with all, some, or none of the introductions.

What an introduction looks like

You’ll get an email confirming the provider’s name, contact details, and the type of finance they may be able to support. The provider will also receive a summary of your enquiry to avoid repetition. They’ll then contact you to discuss the opportunity and outline next steps.

What providers may ask for

To issue an eligibility view or a Decision in Principle, providers typically request a small document pack. This helps them assess affordability, viability, and suitability. Preparing these early can shorten timelines and improve clarity.

Documents checklist

• Basic: last 3–12 months’ business bank statements, ID and address verification, and proof of trading address.
• Financials: recent management accounts, last filed accounts, and VAT returns if relevant.
• Invoice/asset specifics: aged debtor report for invoice finance, quotes or asset details for equipment/vehicle funding.
• Purpose evidence: fit‑out plans, supplier quotations, or refurbishment scopes where applicable.

Typical Decision in Principle (DIP) timelines

For straightforward requests, a DIP may be available within 24–72 hours of the provider receiving documents. Asset and vehicle finance can be quick if asset details are clear and suppliers are lined up. More complex cases may take longer based on underwriting and information quality.

Your control and no obligation

You’re not tied to any provider we introduce. You can compare options, ask questions, and proceed only if the terms align with your goals and cash flow. If you decide not to go ahead, simply let the provider know and we’ll close the loop.

Part 4 – Transparency, compliance, and data protection

We’re an independent introducer that helps businesses explore finance options; we do not lend or offer finance directly. Our communications aim to be clear, fair and not misleading, aligning with FCA and ASA advertising expectations in the UK. We encourage informed decisions based on transparent information and documented terms.

Credit checks explained

Submitting a Quick Quote with us does not trigger a hard credit search. Providers may use soft checks for pre‑eligibility, and a hard search is only performed with your permission when you choose to proceed. You can ask each provider how and when they run searches before consenting.

Fees and how we’re paid

It’s free to submit a Quick Quote on our site and there’s no obligation to proceed. If you go ahead with a finance provider introduced by us, we may receive an introducer commission from that provider. This does not change your headline rate or your obligation to review costs and terms carefully.

Privacy and data sharing

Your information is handled securely and shared only with relevant finance professionals connected to your enquiry. We limit the data we pass to what’s necessary for eligibility and introductions. You can request data access or deletion in line with applicable data protection laws.

Security practices

• Restricted access: only authorised team members and matched providers see your details.
• Secure transfer: we use reputable tools and encrypted channels wherever practical.
• Data minimisation: we request only what’s needed at each stage.

Accessibility and support

If you need help completing the Quick Quote or prefer to speak with someone, our UK support team can guide you. We can explain finance types in plain English and outline typical requirements. You remain in control of who you speak to and what you send.

Part 5 – FAQs, preparation tips, and key takeaways

Quick FAQs

Will I get multiple options?

Where appropriate, we may introduce more than one provider so you can compare. Each provider will explain their criteria and indicative terms. You decide if and how to proceed.

How fast will I hear from a lender or broker?

Many introductions go out the same day, often within hours. Providers typically make first contact within 24–48 business hours. Please check your email and spam folder to avoid delays.

Does this affect my credit score?

Our Quick Quote submission does not create a hard search. Providers may use soft checks initially, with hard searches only after you consent to apply. Always ask a provider about their process before agreeing.

Do you guarantee the lowest rate?

No, we don’t guarantee the lowest rate. Our aim is to connect you with relevant finance partners who are actively lending in your sector and purpose. You should compare terms and assess total cost carefully.

Do you give financial advice?

No, we’re not a lender or a broker and we don’t provide financial advice. We act as an independent introducer to help you find suitable providers. Consider professional advice if you need recommendations tailored to your circumstances.

What if my business is a start‑up or sole trader?

We currently focus on established limited companies and certain incorporated entities. We do not support start‑ups, sole traders, franchises, property finance, or commercial mortgages. If that changes, we’ll update our site.

Are your partners regulated?

Many partners are FCA‑authorised for activities that require it, such as regulated consumer credit. Where appropriate, they will provide their regulatory details and required disclosures. Always review their documentation before you agree to proceed.

Preparation tips to improve outcomes

• Be specific on purpose: state precisely how the funds will be used and expected benefits.
• Have documents ready: bank statements, filed accounts, management accounts, and quotes if relevant.
• Check affordability: review your cash flow to ensure repayments are manageable.
• Respond promptly: quick replies to provider questions can shorten time to decision.
• Compare total cost: look beyond the rate to fees, term, and repayment flexibility.

Key takeaways

• Immediate: you get confirmation and AI matching begins right away.
• No hard search: initial steps won’t affect credit without your consent.
• Introductions: we connect you with suitable lenders or brokers, often the same day.
• Your choice: compare options and proceed only if the terms fit.
• Transparent: no upfront fees to enquire; we may receive a commission if you proceed.

Ready to get started?

If you’re prepared with recent bank statements and a clear funding purpose, you’re already ahead. Submit your Quick Quote to see which finance routes may suit your business today. It’s fast, secure, and there’s no obligation to proceed.

Updated: October 2025