Question 1

What makes BR Finance different from other brokers?

Accepted Answer

We're a case-first funding diagnostic and structuring business, not a generic broker. We review your case before submission, assess lender fit, identify viable funding routes, and structure the approach properly. Most brokers submit first and ask questions later — we assess viability before any credit search or formal application. This avoids unnecessary declines and ensures you only apply when there's a realistic route forward.

Question 2

How long does the funding process take?

Accepted Answer

A member of our team will contact you within 2 hours of submission to begin your initial diagnostic review. Once we identify viable routes, unsecured working capital typically completes in 5-10 days, asset-backed facilities in 2-4 weeks, and property-secured funding in 3-6 weeks. We structure each case to match your timeline requirements while maintaining proper due diligence.

Question 3

What documents do I need for the assessment?

Accepted Answer

For the initial diagnostic review, we need: 6 months business bank statements, recent management accounts or filed accounts, details of existing facilities, and basic business information. We review these to assess lender fit before requesting additional documentation. This prevents wasted time gathering documents for routes that won't be viable.

Question 4

Do you charge fees for your services?

Accepted Answer

We operate on a success-only basis for most cases. Our fee is disclosed upfront and only payable on successful funding completion. We may also receive lender commission, which is fully disclosed in accordance with FCA regulations. There are no upfront fees for our diagnostic review or case assessment — you only pay when we deliver a successful outcome.

Question 5

What's your approach to declined applications?

Accepted Answer

If you've been declined elsewhere, we don't just submit to different lenders. We analyse why you were declined, identify what lenders actually saw, and restructure the case to address decline reasons. Often the issue isn't unfundability — it's lender-fit mismatch or poor case presentation. We identify alternative routes that match your actual business profile and circumstances.

Question 6

Can you help businesses with adverse credit?

Accepted Answer

Yes. We work with specialist lenders who assess current trading performance and business viability rather than just credit scores. Adverse credit affects available routes and pricing, but doesn't automatically mean unfundable. We assess which lenders match your credit profile and structure the case to emphasize current performance and forward projections.

Question 7

What funding amounts do you work with?

Accepted Answer

We structure facilities from £10k to £500k+ across different funding routes. Working capital and cash flow finance: £20k-£500k. HMRC/tax funding: £5k-£250k. Growth capital: £25k-£500k. Property and asset-backed: £50k-£500k+. The viable amount depends on your business profile, turnover, assets, and lender criteria — which we assess during our diagnostic review.

Question 8

What is lender-fit assessment?

Accepted Answer

Lender-fit assessment means matching your case to lenders whose criteria align with your business profile, sector, trading history, and funding purpose. Different lenders have different risk appetites, sector preferences, and assessment criteria. We identify which lenders are most likely to approve your case before submission — avoiding unnecessary credit searches and declined applications.

Question 9

How quickly can funds be released after approval?

Accepted Answer

Once approved, funding timescales vary by route. Unsecured facilities: 1-3 days. Invoice finance: 24-48 hours after setup. Asset finance: 5-7 days. VAT/tax funding: 2-5 days. Secured lending: 2-4 weeks (due to legal and valuation processes). We structure each case to meet your timeline requirements while ensuring proper due diligence.

Question 10

Do you work with startups or only established businesses?

Accepted Answer

We work with businesses at various stages, but most lenders require minimum trading history (typically 6-12 months). For newer businesses, we assess alternative routes including asset-backed funding, director guarantees, or specialist startup lenders. The key is realistic assessment — we won't submit cases that don't meet lender criteria. We'll tell you honestly what's viable and what isn't.

Question 11

What happens during your diagnostic review?

Accepted Answer

Our diagnostic review assesses: your business profile and trading history, financial position and cash flow, existing facilities and commitments, funding requirement and purpose, and lender-fit matching. We identify which funding routes are viable, which lenders match your profile, and what approval likelihood looks like. This happens before any credit search or formal application.

Question 12

Are you FCA regulated?

Accepted Answer

Yes, we are fully authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 802252. You can verify our regulatory status on the FCA Register. However, our primary differentiator isn't regulation — it's our case-first diagnostic approach, lender-fit assessment, and intelligent structuring. Many brokers are FCA regulated. What sets us apart is how we structure capital.

Question 13

What if my case is complex or unusual?

Accepted Answer

Complex cases are where our structuring expertise adds most value. We've handled: multiple facility consolidation, rescue after decline, sector-specific challenges, adverse credit with strong trading, property-backed business funding, and multi-entity group structures. Complex doesn't mean unfundable — it means requiring intelligent structuring and lender-fit matching rather than generic submission.

Question 14

How do you avoid unnecessary credit searches?

Accepted Answer

We assess lender fit before submission. This means reviewing your case against lender criteria, identifying realistic approval likelihood, and only proceeding when there's a viable route forward. Most brokers submit first and see what happens — creating multiple credit searches and declined applications. We structure the case properly before any formal application.

Question 15

What does "structured assessment" mean?

Accepted Answer

Structured assessment means systematic review of your business profile, financial position, funding requirement, and lender-fit matching before submission. It's the opposite of scattergun broker approaches that submit to multiple lenders hoping something sticks. We identify the right route, the right lender, and the right structure before any formal application — maximizing approval likelihood while minimizing credit footprint.

How We Structure Capital Differently