Only on a simple start-up or growth deal that needs no advice or structuring. On those, a lender may pay us a commission, and you pay us no fee. On advisory transactions, which include every acquisition, we take zero lender commission.
Three ways we're paid
- Advisory deals: you pay our fees under a signed engagement letter. On these, we accept zero introducer commission, procuration fees or arrangement income from lenders. See What does bizbritain charge?.
- Simple deals: a lender may pay us a commission. You pay us no retainer, success fee or abort fee.
- Start Up Loans: the Start Up Loans Company pays us a fixed fee for each completed loan. You pay nothing. See Is bizbritain paid for Start Up Loans?.
On any one deal, we're paid either by you or by the lender, never both.
What makes a deal simple
A deal is simple when it needs no advice or structuring, for example a straightforward unsecured loan, a credit card or invoice finance. The product or lender alone doesn't decide it: it depends on what your deal needs. Acquisitions always need advice, so they're never simple deals.
What we tell you, and when
- Before we approach lenders, we tell you in writing which route your deal is on.
- Before you proceed, we tell you about any commission in writing, including the amount. It's shown on the AIP, disclosure letter or finance offer.
If a simple deal turns out to need advice
We'll tell you in writing. No fee is payable unless you agree to our engagement letter, and you still pay us nothing unless a lender issues an Agreement in Principle (AIP). We don't take commission on a deal we're advising on.
Why we don't take commission when we advise
When a lender adds a fee to your loan to fund a broker's commission, you can end up paying interest on that fee too. On a £150,000 loan, a 10% fee adds £15,000 to what you borrow, before any interest. The interest on it depends on the rate, the repayment profile and the term. On advisory deals, we decline commission and ask the lender to pass the equivalent saving to you. If the lender agrees, it's confirmed in writing before you sign.
Lender charges are separate
The lender's interest, fees and other charges are set out in its offer, whichever route your deal is on.
More on commission
See Do you take commission from lenders? and our commission policy.
Last reviewed: 10 October 2026