If your business introduces customers to a finance provider, or lets them spread the cost of your own products or services, you may need FCA consumer credit permission, whatever sector you trade in.
Businesses in any sector that let customers pay in instalments, or introduce them to a third-party lender to help pay for goods or services, may be carrying on regulated consumer credit activity.
Whether the activities fall within limited permission depends on your exact business model, who provides the credit and how the arrangement is presented to customers.
Many businesses treat payment plans as an admin arrangement rather than credit, and only discover the permission requirement when a lender or bank asks.
The right permission depends on whether you introduce customers to a lender or provide the credit yourself under your own agreement.
Advertising '£X per month' on your website, quotes or social media engages the financial promotion rules regardless of sector.
Customer requests a quotation
Finance option is introduced
Customer receives finance information
Customer applies through the lender or finance provider
Finance provider assesses the application
Work or purchase proceeds if finance is agreed
Choose the level of FCA application support your business needs, with clear fixed fees and no hourly charges. Select your package and pay securely online to get started.
A written assessment of whether your activities require FCA authorisation and which permission may apply.
£420 total including VAT
An independent review of an application you have already prepared.
£780 total including VAT
The complete limited permission application, prepared and ready to submit.
£1,380 total including VAT
Answer a few questions about your business and how you offer finance. Free and without obligation.
02
Select the preparation, review or permission-analysis service that meets your requirements.
Pay securely online with a clear fixed fee and no hourly billing.
04
We deliver the application pack, independent review or written permission analysis included in your selected package.
The FCA application fee is separate from our professional fee and is paid directly to the FCA. The applicable fee will be confirmed before submission.
£ 350
+ VAT
A written PERG-based analysis of your activities, telling you whether FCA consumer credit permission is required and, if so, which permissions are relevant.
Our fee
£230
FCA application fee *
Total payable to us
£ 650
+ VAT
For businesses that have already prepared their application and supporting documentation and would like an independent professional review before submission.
Our fee
£230
FCA application fee *
Total payable to us
£ 1,150
+ VAT
A complete application-preparation service for eligible businesses seeking limited consumer credit permission.
Our fee
£230
FCA application fee *
Total payable to us
*The FCA application fee is separate from our professional fee and payable directly to the FCA. It may change and will be confirmed before submission. Our fee is a one-off payment covering the scope above. Revisions and additional work are charged separately and quoted in advance.
Not sure what the FCA will ask for? See every required document and the full step-by-step application guide.
Answer a few short questions about your business, choose your package and we will take it from there.
