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New to Retail Finance?

We’re here for you.

Offer choice and flexibility when it matters

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When someone wants to buy something that they want, need or love, cost and affordability are often key decision factors. We can help you increase conversion rates and sales and grow your business, whether you're a smaller independent store or a national retailer.

How? Our retail finance solution lets you offer your customers choice and flexibility when it matters. We also pride ourselves on delivering excellent service so you can rest assured whether you need us, or the customer needs us, we’re here to support.

What is Retail Finance?

A way that your customers can purchase goods or services and spread the cost through monthly instalments.

  • Finance can be interest free or interest bearing.
  • Terms range from 3 months to 120 months.
  • The customer can apply either in-store or at home via your website.
  • The process is straightforward, offering a quick decision.

Can I Offer Retail Finance?

To offer interest bearing credit or finance terms longer than 12 months, as a retailer you will need to hold Financial Conduct Authority (FCA) authorisation. If you don't have FCA authorisation you can still offer under 12 months interest free finance.

FCA authorisation to offer retail finance is issued by the FCA. Please click here more information.

To become one of our retail partners you will need:

  • A minimum of £1,500,000 annual sales turnover.
  • A minimum trading history of 24 months (and be able to supply audited accounts).
  • Be in a profitable trading position.
  • Require business to consumer finance (not business to business finance).
  • A UK company registration number.

Sound like you? If you want to partner with a finance provider that cares, click here to get in touch.