Offering finance to customers can help UK businesses make their products and services more accessible. However, depending on your business activities and finance arrangements, you may need authorisation from the Financial Conduct Authority (FCA).
In this guide, we explain the key factors businesses should consider, including customer finance arrangements, limited-permission eligibility, supporting documentation and the application process. We also explore how a preliminary requirements check and professional application support can help you identify the appropriate next steps.
Every business is different, and some activities may be exempt or require a different type of permission. Understanding your position before proceeding can help you make more informed decisions.