Flagship service
Independent assessment of your commercial borrowing arrangement before you sign.
A written, independent review of your borrowing documents, terms, and structure, explained in plain English.
We help you understand what the headline numbers do not show, so you can decide how to proceed with more clarity and less pressure.
Who it is for
Directors and owners of UK businesses who have been offered, or are considering, a commercial borrowing facility of any size, including term loans, asset finance, invoice finance, secured lending, or a combination of arrangements. You do not need to be an expert in lending structures. That is the point.
Tiers and pricing
From £495
2–5 working days
From £1,250
2–5 working days
From £2,500
5–10 working days
From £750
1–3 working days
All engagements are subject to our Terms of Engagement – Borrowing Review.
How it works
Complete the questionnaire. We review your answers before any call.
If suitable, we arrange a short scoping call and confirm the appropriate tier.
We send the document checklist and engagement pack. Once returned, you provide the required documents and we review them in detail.
We prepare the written report and arrange a follow-up call to explain the findings and answer questions.
Principles
No commission from any lender, ever.
The price is agreed before we begin substantive review work.
A documented review method, applied consistently.
Clear commercial analysis from someone who understands lending structures.
FAQ
A borrowing review is an independent, document-based assessment of the structure, terms, and mechanics of a commercial borrowing arrangement.
Business owners and directors who want a clearer understanding of a borrowing offer before they commit.
We look at the structure, repayment terms, fees, cost drivers, and any points that may need clarification.
We do not assess affordability, overall financial suitability, or business performance.
No. We provide independent analysis and review services. We do not act as a broker or intermediary.
No. Our service is analytical and informational only. All decisions remain your responsibility.
No. We do not receive commissions, referral fees, or incentives from lenders or third parties.
Only documents relevant to the borrowing arrangement, such as the facility letter, agreement, repayment schedule, and fee information.
Yes. We review the documents and relevant public information, and apply our professional knowledge to identify indicators that the arrangement may involve FCA-regulated activity or possible FOS protection. Some lending arrangements are regulated and some are not. Where the position is uncertain, we flag it for further legal review.
Please do not send bank statements, accounts, tax filings, identification documents, or personal financial information.
You complete the questionnaire first. We review your answers before deciding whether to proceed. If suitable, we arrange the next stage and send the relevant checklist and engagement pack.
You receive a written report or summary, plus a follow-up call where included.
No. The report is for your internal use only and must not be shared with lenders, brokers, or third parties without prior written consent.
Start with the questionnaire. We review your answers first and then decide whether to proceed.
