Most lenders price small-business loans with a model nobody outside the building can see. We publish ours.
Your band depends on full years since incorporation and your average monthly turnover.
Each band has a single fixed APR, shown live on our rates page. Your rate is copied onto your application the moment you submit, so a later change to the rate card never touches it.
An underwriter can price an offer in a lower band than your business qualifies for, but never a higher one.
Whatever the band, the monthly repayment must stay at or below 15% of turnover and the amount at or below three months of it.
