Policy

We are paid by you, not by lenders.

bizbritain finance limited accepts zero introducer commission, procuration fees, or arrangement income from any lender on any advisory transaction. The one exception is the Start Up Loan scheme's fixed scheme payment, which we explain below.

Why it matters

Independence you can verify.

The moment we take a commission from a lender, our advice is no longer independent. We would have a financial interest in the outcome that is separate from, and potentially in conflict with, your interest. We have decided that is not the firm we want to be.

Every client can ask us at any point: "Are you receiving any commission on this deal?" The answer will always be no, or, in the case of a Start Up Loan, a full explanation of the scheme-defined payment and why it is categorically different from advisory commission.

The capitalisation problem

Commission is rarely free to you.

When a lender adds an arrangement or admin fee to the loan to fund a broker's commission, the stated rate understates the true cost: you pay interest on that fee across the term.

Illustrative cost of capitalised commission on a £150,000 facility at 14% over five years
Admin fee rate	Fee added to loan	Interest on that fee5yr at 14%	True additional cost
3%	£4,500	£1,680	£6,180
5%	£7,500	£2,800	£10,300
7%	£10,500	£3,920	£14,420
10%	£15,000	£5,600	£20,600

Illustrative, on a £150,000 facility at 14% over five years. A broker taking 10% on this deal costs the client over £20,000 in real terms. bizbritain will not participate in that model. Where a lender would pay us commission, we decline it and ask the lender to pass the equivalent saving to you instead, disclosed in writing before you sign.

The one exception

The Start Up Loan scheme payment.

The British Business Bank's Start Up Loan scheme pays a fixed £524 to the delivery partner on each completed application. This is a scheme-defined commercial term, not a commission in the advisory sense: it is the same fixed amount on every loan regardless of which lender or product is involved, so it cannot influence our advice. The client pays £0 for it. We disclose it plainly, and it is entirely separate from our advisory fees.

If the deal aborts

Proportionate, capped, and only when we've delivered offers.

Acquisition mandates carry an abort fee. Solicitors and accountants charge regardless of outcome. We charge proportionately, and only if we've delivered formal lender offers.

bizbritain acquisition finance abort-fee schedule
Stage	Trigger	Abort fee	Cap
1	Pre-credit approval, no formal offers yet	Retainer retained only	N/A
2	First credit-approved term sheet issued	0.5% of credit-backed facility	33% of success fee
3	Deal in legal phase (post-Heads of Terms)	1.0% of credit-backed facility	50% of success fee

Worked example

On a £1,000,000 acquisition (success fee £23,750, retainer £2,500):

If the deal completes, you pay £23,750 total (success fee, with the £2,500 retainer credited).
If it aborts at Stage 2, you pay £7,500 total (retainer + 0.5% of facility).
If it aborts at Stage 3, you pay £12,500 total (retainer + 1.0% of facility).
If bizbritain fails to secure any lender offers, you pay the retainer only (£2,500).

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Commission Policy Statement · Version 1.0 · May 2026 · Applies to all deal types and all lenders