Do you guarantee approval speed or the lowest available rate?

No. We do not guarantee approval speed, the lowest available rate, or any specific lender's response. We match you to UK SMB lenders whose published criteria fit your declared profile, but the credit decision sits with each lender's underwriting team and the rate offered depends on their full assessment of your file.

What we do commit to. We name the lender or broker we route you to before the introduction is made. We disclose any commercial relationship that could otherwise bias the match (referral fees, panel positioning) on our how we are funded page. We do not run a hard credit search on you ourselves. We do not share your data with anyone you have not explicitly agreed to be introduced to. And we do not push you toward a specific provider where multiple lenders are equally well-matched.

What we cannot promise. We cannot promise the lender will say yes. Their underwriting may identify factors not visible at the matching stage (specific bank statement patterns, recent file changes, sector-specific policy updates). We cannot promise the lender's headline rate will be your offered rate. UK lender pricing is risk-priced: borrowers with stronger credit profiles and longer trading histories receive better rates than the published range floor. We cannot promise faster funding than the lender's stated SLA.

If you need a binding rate or speed commitment, the only place to get it is on the lender's formal facility letter signed at the end of full application. That document is the binding contract; everything before it is indicative. See is a decision in principle binding and how does your AI matching choose which lenders or brokers to introduce.