Initial Review
from £495
2–5 working days
- Best for
- One offer, one facility, early-stage decision
- Covers
- Key terms, headline structural risks, cost implications
- Deliverable
- Short written summary + call
Flagship service
Independent Borrowing Risk Review
A written, independent assessment of your commercial borrowing arrangement - before you sign. We find what the headline rate hides, explain it in plain English, and give you the space to decide without pressure.
Who it is for
Directors and owners of UK businesses.
Directors and owners of UK businesses who have been offered, or are considering, a commercial borrowing facility of any size - term loan, asset finance, invoice finance, secured lending, or a combination. You do not need to be an expert in lending structures. That is the point.
Tiers & pricing
Four tiers. Fixed fees. No surprises.
Full Review
on request
2–5 working days
- Best for
- A single facility you are ready to commit to
- Covers
- Full repayment-structure analysis, hidden fees, contractual risks
- Deliverable
- Structured written report + call
Complex Facility
on request
5–10 working days
- Best for
- Multi-facility or layered borrowing
- Covers
- Interactions between facilities, cost layering, combined exposure
- Deliverable
- Structured written report + call
Pre-Commitment
on request
1–3 working days
- Best for
- Final check before you sign
- Covers
- Risk validation, obligations, final-signature check
- Deliverable
- Written risk note + call
How it works
Four steps, zero surprises.
- 1
Intro call (15 min)
Free, no commitment. You describe the arrangement; we confirm which tier fits.
- 2
Documents
You send the facility letter, fee schedule, and any security or guarantee pack. No bank statements, no accounts.
- 3
Review
We read it, research it, and write it up.
- 4
Walk-through
We call you and talk through every finding.
Principles
Four principles that define the work.
01
Independent Perspective
No commission from any lender, ever.
02
Fixed-Fee Transparency
Price agreed before we read a page.
03
Structured Analysis
A documented review method, applied the same way every time.
04
Practical Insight
Read by someone who has seen commercial lending structures from the inside.
FAQ
Frequently asked questions
What is a borrowing review?
An independent written assessment of a commercial borrowing arrangement - what it really costs, what it really commits you to, and where the risks sit.
Who is this for?
Directors and business owners considering or holding a commercial borrowing offer. You do not need to know lending structures - that is what the review is for.
How much does it cost?
Tier 1 starts at £495. Tiers 2–4 are priced on request after the intro call, so you know the fee before any work begins.
Do you take commission from lenders?
No. Not from lenders, brokers, or anyone else. Ever. The fee you pay is our only income.
What information do you need?
The facility letter, fee schedule, and any security or guarantee pack. That is almost always enough. We do not ask for bank statements, accounts, VAT returns, or payroll data.
How long does a review take?
Two to five working days for tiers 1, 2 and 4. Up to ten working days for complex multi-facility reviews.
What do I receive at the end?
A structured written summary of findings, plus a call to walk through every finding together.
Are you FCA-regulated?
No. We do not give regulated financial advice, act as a credit broker, or arrange lending. The service is independent advisory and educational in nature.
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.