How does your AI matching process work?

Our matching uses your declared profile (sector, turnover band, trading age, requested amount, use of funds, broad credit position) and runs it against each UK lender's published underwriting criteria. We do not run a credit search ourselves. We do not access your bank feed or accounting data unless you grant explicit access. The match is rule-based comparison against published lender criteria, not predictive scoring of you as a borrower.

The process step by step. Step 1, you complete the quote form with your sector, trading age, turnover band, requested amount and primary use of funds. We do not ask for bank statements or accounts at this stage. Step 2, we filter our panel by hard eligibility: minimum trading age, minimum turnover, minimum facility size, sector inclusions and exclusions. Step 3, we rank the remaining lenders by fit: those whose typical ticket range and product type match your need rise to the top. Step 4, we surface the top 1 to 3 matches on screen with a transparent reason for each.

What you see at the end. The lender's name. The product they offer. Their published rate range. Their typical decision time. Why they fit your profile. Whether we earn a referral fee from the introduction. You then choose whether to be introduced or to walk away. We do not auto-route or auto-refer; the introduction only happens if you say yes.

Where multiple lenders are equally well-matched on the criteria, we order them alphabetically rather than commercially. See how does your AI matching choose which lenders or brokers to introduce for the policy version, are you a lender, broker or introducer for the regulatory framing, and our methodology page for the formal scoring framework.