How We Get Paid

Typical commission range: 1% to 10%

Broker commission on UK business finance typically ranges from around 1% to 10% of the facility amount, paid to us directly by the lender once your loan has been activated and funds are drawn. The exact percentage depends on the product type, the lender and the deal size — secured term loans and asset finance are usually at the lower end, while short-term unsecured products and merchant cash advances sit higher. How brokers like us earn and disclose commission is governed by the FCA's rules for credit broking.

Where the commission comes from

Lenders pay commission in one of two ways. Some include it inside the loan's arrangement fee — a one-off charge built into the facility documents. Others pay it from the interest rate over the life of the loan. Either way, the commission is included in the loan you have already agreed to: you are not paying us a separate fee on top, and the rate you are quoted is the rate you would receive if you went direct.

No fee to the client — ever

We never charge applicants an upfront fee, an admin fee, or a success fee. Our entire income on a successful deal comes from the lender's commission. You get the work of an FCA-authorised broker — sourcing the best fit from our specialist lender panel, packaging the case, and managing it through to drawdown — at no cost to your business.

Clawback risk sits with us, not you

Most lender commission agreements include "clawback" terms — meaning if a client defaults on their loan within a defined window (often 6 to 12 months), the lender can recover all or part of the commission paid to us. That sits as a real risk on our side of the transaction. It is one of the reasons we take time to make sure the funding genuinely fits your business — placing unsuitable deals is bad for the client and bad for us.

No completion, no income — you owe us nothing

We only get paid when a loan completes. If we spend time on your enquiry — discovery call, packaging, lender approaches, negotiating terms — and you ultimately decide not to proceed, we receive nothing and you owe us nothing. That is the no-obligation service you would expect from any reputable UK commercial finance broker.

Commission disclosure on lender documents

In line with current market standards and FCA expectations around transparency, lenders now typically declare the commission they have paid us within the loan documentation issued to you. So before you sign anything, you can see exactly what we have been paid for arranging the facility — no hidden numbers, no surprises.