Independent advisory for UK businesses
Protecting UK businesses from hidden borrowing risks.
Many businesses sign commercial borrowing agreements without fully understanding the true cost or structure of what they are committing to. We provide an independent review - before the signature, not after.
What we do
Three things we do, and nothing else.
Review
We read your borrowing offer - facility letter, fees, security pack - and tell you what it actually costs and what it actually commits you to.
Explain
We write the findings in plain English and walk you through them, so you can make the decision with your eyes open.
Protect
We take no commission from any lender. Ever. Our only incentive is your understanding.
The centre of gravity
A real business. A routine-looking loan. A 70% effective APR.
A real UK business borrowed £20,000.
Eighteen months later, they had repaid £29,052.
The effective annualised cost exceeded 70% APR - and the true cost was never clearly disclosed at acceptance.
The facility looked routine. The structure did not.
Identifying details withheld. The figures are real.
Our services
Two services. One way of working.
Every engagement is fixed-fee and commission-free. See each service for tier pricing, turnaround, and engagement detail.
Explore both servicesCredibility
Experience, backed by certified competence.
Independent advisory informed by practical experience reviewing commercial lending arrangements, and supported by current competence in auditing ISO 9001 and ISO 27001 management systems.
Why risks hide
The cost is rarely the cost.
Commercial borrowing costs are spread across fees, security arrangements, early-repayment clauses and payment schedules. Any one of them can quietly shift the true cost a long way from the headline rate.
Next step
Not sure which service is right for you?
We offer two independent advisory services - one for commercial borrowing reviews, one for management-system standards. Take a look and see which fits your situation.