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Mon – Fri: 9AM – 5PM
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Home / How It Works

How it works

A clear, four-step path from your first enquiry to funds in your account.

01

Apply online or speak to us

Complete our short online application, telling us about you, your business and how much you'd like to borrow. Prefer to talk first? Contact our team and a lending specialist will walk you through your options.

  • Takes around 5 minutes
  • No obligation to proceed
02

Share your documents

Your lending specialist sends a checklist tailored to the loan you've chosen. You can send documents securely by email, and we'll tell you straight away if anything is missing.

03

Credit assessment & offer

Our credit team reviews your application, cash flow and any security offered. If approved, you receive a written offer setting out the loan amount, rate, fees, term and repayment schedule.

04

Sign & receive funds

Once you accept the offer and sign the loan agreement, we complete final checks and release funds to your nominated business account. Your specialist remains your point of contact for the life of the loan.

Documents checklist

What you'll typically need

Exact requirements depend on the loan type and amount. Your specialist will confirm what applies to you.

Business details

  • Certificate of incorporation or trade licence
  • Memorandum & articles of association
  • Ownership and shareholder structure
  • Brief business overview

Financial records

  • Last 2 years' financial statements
  • 6–12 months of bank statements
  • Management accounts or projections
  • Aged debtors list (invoice finance)

Identity & security

  • Passport / Emirates ID for directors
  • Proof of address
  • Details of any security offered
  • Quotes or invoices (equipment finance)
Eligibility

Who can apply?

We lend to registered businesses, institutions and individuals with a clear purpose for the funds and the ability to repay. In general, applicants should have:

  • A registered business or verifiable source of income
  • Financial records that support the requested amount
  • A clear purpose and repayment plan for the loan
  • Directors and owners who can complete identity checks
Start your application

Have questions first?

Read our FAQs or speak directly to a lending specialist.