What happens after I submit my Quick Quote — what are the next steps?

Short answer

After you submit your Quick Quote, our system instantly acknowledges receipt, securely reviews your details, and begins AI-led matching to shortlist suitable UK lenders and brokers. We then introduce you to the most relevant providers for your needs, who may offer a Decision in Principle or eligibility check, subject to their criteria. You stay in control at every stage — there’s no obligation, no upfront fees to submit an enquiry, and any regulated activity is handled by authorised firms.

Immediate confirmation, secure handling, and basic eligibility checks

What happens in the first few minutes

You’ll receive an on-screen confirmation and, where provided, an email acknowledging your Quick Quote submission. Your information is handled confidentially and used only to assess suitability and to make relevant introductions. We don’t sell your data, and we only share it with carefully selected finance professionals who are relevant to your enquiry.

We begin by validating the essentials: business name, trading status, sector, funding purpose, and amount requested. This helps us identify whether your business fits the broad criteria typically used by commercial finance providers. For transparency, we focus on established UK businesses, not startups, sole traders, franchises, property finance, or commercial mortgages.

Initial filters we apply

• Trading profile: limited company or LLP, time trading, and revenue range.
• Funding purpose: cash flow, assets, vehicles, equipment, fit-out, sustainability, or refinance.
• Sector suitability: we match with providers who actively lend to your sector.

If anything is unclear, our UK support team may email or call to clarify details, so your match quality remains high. This early check helps avoid wasted time and ensures your enquiry reaches providers likely to help. Submitting a Quick Quote is free and without obligation.

AI-led matching, human oversight, and shortlisting suitable providers

How our matching works

Our AI analyses your business profile, funding purpose, and indicative amounts to align your enquiry with potential lender and broker partners. It looks for fit across eligibility markers such as sector appetite, facility types, risk tolerance, and indicative ticket sizes. This saves you time contacting many providers individually.

We combine algorithmic matching with human review for quality assurance. A specialist checks for edge cases — for example, seasonality in revenues, multi-entity structures, or sector nuances — that can materially affect options. Where helpful, we’ll recommend alternative funding routes if a different category may be a better match.

Typical timelines and outcomes

• Within hours: shortlisting of the most relevant providers begins.
• Within 1–2 working days: we aim to introduce you to one or more providers aligned to your requirements.
• If more information is needed: we’ll ask focused questions to improve match accuracy.

We aim to be clear, fair and not misleading: this is not an offer of finance, and we don’t guarantee approval or the lowest rate. Options and timescales depend on your business profile and individual provider processes. You remain free to proceed, pause, or decline at any time.

Introductions to providers and what to expect next

How introductions work

When we’ve identified suitable providers, we will introduce you directly to them. You may hear from a lender or a broker that specialises in your type of finance. They’ll confirm receipt of your details, outline next steps, and share what they need to assess eligibility.

At this stage, you can ask questions about product fit, indicative pricing, terms, and process. Providers may offer an initial eligibility assessment or a Decision in Principle, subject to their checks. That early indication helps you decide whether to progress.

Documents you may be asked for

• Recent bank statements (typically 3–6 months) and latest filed accounts.
• Management information or cash-flow forecasts for larger requests.
• Director/beneficial owner details for KYC/AML checks.
• Asset details, quotes, or invoices (for equipment, vehicle, or fit-out finance).
• Debtor book details (for invoice finance) or refinance/settlement figures.

Providers will explain whether they intend to run a soft or hard credit search and when that might occur. A soft search should not impact your score; a hard search may leave a footprint. Always confirm the type of search before you consent.

Decisions in Principle, underwriting, and moving towards completion

From eligibility to Decision in Principle (DIP)

Based on your information, a provider may issue a DIP or eligibility outcome. This is not a binding offer, but a useful step that indicates funding appetite, facility type, and likely next steps. Timeframes vary by product — for straightforward cash flow facilities it may be quick, while asset-backed or multi-asset solutions can take longer.

You may then be asked for additional documents so underwriting can complete. For asset or vehicle finance, lenders might require a valuation or supplier invoice. For invoice finance, they may request debtor audits or system access to verify ledgers. Each provider will set out their requirements clearly.

What influences pricing and terms

• Trading history and resilience: revenue trends, profitability, and cash flow stability.
• Security profile: asset values, guarantees, or debenture requirements.
• Sector risk appetite: some industries carry higher perceived risk than others.
• Facility structure: term length, repayment profile, and flexibility features.

All finance is subject to status, affordability, and the provider’s criteria. We cannot promise approval or the lowest available rate. Our aim is to help you find credible, relevant options so you can compare and choose the route that best supports your goals.

You stay in control: proceed, compare, or pause

Choosing your next step

Once you have one or more options, you decide how to proceed. You can compare terms, ask for clarifications, or negotiate where appropriate via the provider or broker. If you wish, you can pause your enquiry or request alternative options without penalty.

When you accept a formal offer, the provider will guide you through completion. This may include signing agreements, final checks, and arranging drawdown. If your situation changes, let the provider know early — they can often adjust timelines or structures.

Transparency, costs, and our role

• We are an independent introducer; we don’t provide loans directly.
• Submitting a Quick Quote is free and there is no obligation to proceed.
• If you proceed, we may receive a commission from a provider or broker; this does not increase the price you pay.
• Any regulated activity is carried out by authorised firms, who will provide required disclosures.

If your business operates in hospitality and you’re exploring sector-specific options, you may find our guidance on pubs business loans useful before speaking to a specialist. Wherever you operate — manufacturing, logistics, healthcare, retail, or hospitality — our matching process aims to connect you with providers who understand your sector. You remain in control throughout the journey.

Short FAQs

Will submitting a Quick Quote affect my credit score? No, not at our stage; providers will tell you if and when they intend to run a soft or hard search.

How fast can I get a Decision in Principle? Some providers respond within 24–72 hours once they have the essentials, but timescales vary by product and profile.

Do you charge me any fees? No fees to submit a Quick Quote; if a provider or broker charges fees, they will disclose them clearly.

Are startups eligible? We currently focus on established UK businesses; we do not support startup or sole trader applications.

Key takeaways

• Submit your Quick Quote to trigger secure, AI-led matching and human review.
• Get introduced to suitable lenders or brokers for a DIP or eligibility check.
• Provide documents so underwriting can assess affordability and risk.
• Compare offers and proceed on your terms — no obligation to accept.
• All finance is subject to status and provider criteria; terms and rates may vary.

Ready to explore your options? Start with a free Quick Quote for an eligibility check or Decision in Principle from suitable providers. Fast, secure, and no obligation.

Updated: 28 October 2025