The application

Start your comparison

About two minutes: the amount, who to send your offers to, and a few questions about the business. No application fee, and nothing is agreed until you choose an offer.

No application fee
Nothing to sign by applying
About two minutes

The application is the way in, and it takes about two minutes.

How to choose between offers

Four lines to read across, before you read anything else

Offers rarely arrive in the same shape. One leads with its rate, another with its speed. Put them on the same four lines and the differences stop hiding.

Two owners of a plant shop reading one laptop together, the way offers should be read.

Reading offers side by sideAn illustration, not an offer

Amount

Is it enough to do the job?

Not the most on offer, the amount the plan actually needs. Money you did not need still has to be repaid.
Term

How long will this be with you?

A longer term lowers each payment and usually raises the total. A shorter one does the opposite. Neither is better on its own.
Total payback

What does it cost, all in?

The one number that settles most comparisons: everything you will repay, fees included, across the whole term.
Payment frequency

Can the week carry it?

Daily, weekly or monthly changes how a payment feels against your takings, even when the totals match.

An illustration of how to read offers, not an offer. No rates or amounts are shown because yours depend on your business; your specialist sets the real ones out on these same four lines.

The six