Who we are
Prepared properly. Placed once.
Most of the waiting in commercial finance is not the lender deciding. It is everything before that — the same documents asked for three times, a thin case going out and coming back with questions, five lenders each starting from scratch.
We do that work up front. We find out what the business actually needs, put the case together so a lender can properly assess it, and take it to one that should want it. A case that arrives ready does not bounce.
That is where the speed comes from. We will not make promises about the lender’s clock, because it is not ours to make — Approven is a broker, not a lender, and the decision is theirs. What we control is that your case goes out right the first time.
How we work
Three things we hold ourselves to on every case.
Prepared
We put the case together before it goes anywhere.
We ask about the business, the numbers, and what the money is for. We tell you what a lender will want to see before they see it. A well-prepared case gets read properly. A thin one gets priced as a thin one.
Placed
We choose the route rather than broadcasting the file.
We work from a selected panel of lenders and funders, and we pick the one that suits the business in front of us — instead of sending your file across the market and leaving declines behind you.
Plain
We tell you where you stand, including when it is bad news.
You do not pay us a broker fee. If your funding completes, the lender pays us, and we will tell you about it. We will tell you what we think is achievable, what the lender still has to decide, and what we do not control.
Who we work with
We arrange commercial funding for UK businesses, for business purposes. Here is what that covers, and where we stop.
Limited companies and LLPs
We can ordinarily take an enquiry through to lender submission in the usual way.
Sole traders, partnerships and other unincorporated businesses
We can often act, but we check first that your transaction fits a route we can lawfully use. Familiar cases follow an established route. If yours does not, we will tell you, and we will not proceed until the position is clear.
Funding from £5,000
That is our commercial minimum, not a legal threshold. We do not advertise a maximum: what is available depends on the lender, the product and your business.
Business purposes only
We do not arrange funding that is wholly or partly for a personal or consumer purpose.
Property and guarantees
We consider business finance secured against commercial, residential investment, development and mixed-use property where the transaction falls within the activities we can lawfully arrange. Eligibility depends on the borrower, property use, product and security. We do not arrange regulated residential mortgages under our current operating model. A personal guarantee is a separate thing from a charge over property, and we will tell you before you proceed if a lender asks for one.
What we don’t do
A broker’s limits matter as much as its claims. These are ours.
We don’t search the whole market.
We work with a selected panel of lenders and funders, and we do not claim otherwise. A panel means we know who we are dealing with. It also means there will be lenders we do not reach.
We don’t decide whether you can borrow.
We do not assess your creditworthiness, your affordability or your credit risk. That is the lender’s function and the lender’s decision. We run basic public-record checks so that we do not submit a case with an obvious problem, which is not the same thing.
We don’t promise the lowest available cost of funding.
That is not within anyone’s gift, and we will not pretend otherwise. We will tell you which option we consider most commercially appropriate for your business, and why. You decide.
We don’t predict the lender’s answer.
We will not tell you that funding is approved, pre-approved or guaranteed before a lender has decided. Whether a lender will lend, and on what terms, is not ours to promise.
We’re not authorised or regulated by the Financial Conduct Authority.
We arrange commercial finance for businesses. Some kinds of borrower, funding and security fall outside what we are able to arrange without authorisation we do not hold; where your case falls into one of those categories, we stop, tell you, and either check the position before going further or explain that we cannot act. We are not covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme.
We don’t give legal, tax or accounting advice.
Nor any regulated advisory service. Where you need that advice you should obtain it independently, and we will tell you when we think you should.
Plain
How we’re paid
Approven is paid by lenders, not by you. Here is how that works, including the part that affects what you pay.
What you pay Approven
You do not pay Approven a broker fee, on any case.
How we are paid
Where we place your funding and it completes, the lender or funder may pay us commission or other remuneration. Amounts, payment triggers and the basis of calculation vary between lenders, products and transactions.
How this can affect what you pay
Commission is paid by the lender, not by you. Where a lender’s commission forms part of the cost of the facility it offers, what we are paid can form part of what you pay overall, and the amount can differ between lenders and products. We will not steer your pricing or your choice of lender to increase what we are paid.
If we cannot place your case
We may propose a separate broker. We will tell you that we cannot place it and why, name the firm, and ask your permission before sending them anything. That firm may pay us a referral fee or commission share. You still pay Approven nothing, and they will explain their own charges.
If you want to know the amount
Ask us. We will tell you how we are paid on your transaction, including the amount or the likely amount where we know it, before you enter into any agreement.
Our commercial arrangements must not override your requirements or the suitability of the funding option we present. The full position is in our Terms of Business, which we give you before we act.
Company details
Registered name
Approven Limited
Company number
17503844, registered in England and Wales
Incorporated
6 October 2026
Registered office
20 Swan Street, Swan Building, First Floor, Manchester, England, M4 5JW
Financial Conduct Authority
Approven is not authorised or regulated by the Financial Conduct Authority.
Data protection
Registered with the Information Commissioner’s Office, reference ZC274570. That is a data-protection registration, not a financial-services authorisation.
Contact
enquiries@approven.co.uk