We fund most sectors. In these we know how the money moves.

Sector knowledge decides where a case goes. A lender that does not understand how a business is structured reads its accounts wrong and declines it, and a broker who does not understand it sends the case there anyway.

Automotive

Our largest sector by volume. Stocking finance, forecourt cycles, and why a dealership’s balance sheet reads far worse than the business behind it.

Logistics

Fuel daily, drivers weekly, customers past the month. The gap is the business, and the work is contract work for the national carriers.

Retail

Supermarkets, restaurants and e-commerce. Stock costs money before it earns any, and the gap decides how much room the business has.

Construction

The worst payment record of any sector in the UK, and none of it is the contractor’s fault.

Which sectors get funded

Almost all of them. The market talks about risk as a list of industries, but in practice there are three groups.

Not placed

Gambling and adult entertainment, along with a small number of others. Mostly this is reputation rather than regulation: lenders do not want their name attached, whatever the numbers look like.

Crypto sits here for a different reason. It is no judgement on the business: no lending partner we work with currently has appetite for it, so there is nowhere to place it. Better you hear that now than after an enquiry.

Underwritten more cautiously

Hospitality, and businesses with heavy refund exposure or volatile revenue. These are funded regularly. They are priced differently, fewer partners will look at them, and which one sees the case matters more than it does elsewhere.

A cautious sector raises the bar, but it rarely closes the door.

Everything else

Assessed on the business, not the sector. What the account shows, what is already being serviced, and whether the trading supports what is being asked for.

The thing that declines businesses for no reason

Your SIC code.

Every UK limited company carries a Standard Industrial Classification code, chosen at incorporation and confirmed on every confirmation statement. Most business owners have not looked at theirs in years.

Lending partners read it. Automated decisioning reads it first. If the code on file does not describe what the business actually does, a perfectly fundable business gets declined by a system that never looked at the account.

Around 740,000 UK companies sit under catch-all codes that say almost nothing about their activity. Others are simply wrong, and some are actively harmful. Women’s health businesses have been flagged as adult content and treated as high risk because the classification system has no provision for what they do.

We check this before anything is submitted. If the code is the problem, that is usually fixable, and it is worth fixing before an application rather than after a decline.

Send the statements and we will check both.

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