Turning Ambitions into Action – We Make Plans, Not Wishes.

Fairmont Finance make it radically easier for individuals to obtain funding where traditional banking institutions fail. We have access to over 100 challenger banks and lenders on our panel to source you the most suitable options on the market. We’ve also recently partnered with CreditSafe to launch a new system called FairFunds Technology; this unique software allows us to instantly indicatively quote based on our lenders’ risk appetite and your credit eligibility.

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Our Partners

Overcoming Bad Credit to Fuel Your Business Growth

We believe bad credit shouldn’t hold back your business’s potential. With our expertise, strong lender network, and advanced technology, we specialize in helping businesses with credit challenges secure funding. By partnering with lenders who look beyond credit scores to factors like cash flow and growth potential, we increase your chances of approval and find solutions tailored to your needs. Our goal is simple: to get you funded so you can focus on moving your business forward.

100+ UK LENDERS

Our extensive network of over 100 UK lenders is ready to meet your business needs. Whether you're managing a large company or just starting out with limited trading history, we're here to help. If you have credit challenges, you can count on us to provide solutions tailored to your situation.

TECHNOLOGY

FairFunds Technology, we can instantly provide indicative quotes from our network of lenders, considering both your business and personal credit scores. This capability allows us to find the ideal funding solution tailored to your unique business needs and credit profile.

HIGH ACCEPTANCE RATE

With over 20 years of experience in business finance, our team of specialist brokers is dedicated to presenting you with only relevant and achievable loan options. With a success rate exceeding 85% for all applicants, we are confident in finding at least one suitable funding solution for your business.

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Solutions for You

Whether you’re looking for support with business growth, cash flow management, working capital, or debt consolidation, we’re here to assist you. Scroll down to explore our offerings, or submit an application to connect with one of our specialists.

Frequently Asked Questions

We understand that navigating business finance can feel overwhelming, especially when faced with complex terms and processes. To help you make informed decisions, we’ve compiled answers to some of the most common questions business owners ask about finance options, decision times, underwriting criteria, and more.

Our goal is to simplify finance, so you can focus on growing your business with confidence. For personalized guidance, please don’t hesitate to reach out to us directly.

Decision Times?

Decision times vary by finance type and lender, but many provide an initial response within 24–48 hours. Complex applications or those needing extra documentation can take longer. Fairmont helps keep the process smooth by coordinating with lenders and managing requirements, so you’re always in the loop.

Early Repayment?

Many lenders allow early repayment, though some may apply fees or penalties. Fairmont reviews the full cost structure and terms of your finance option to help you make the best decision for your business.

Underwriting process?

Underwriting varies by lender, but common factors include your business’s cash flow, credit history, industry stability, and any existing debt obligations. Lenders may also look at personal credit history, especially for smaller or newer businesses. Fairmont works to match you with lenders whose criteria best fit your financial profile and business goals.

Business’s credit score?

Taking on finance may impact your score initially, especially if a credit inquiry is required. However, managing the loan well can improve your score by building a positive payment history. Fairmont Consulting offers guidance on structuring finance to support long-term credit health.

Personal guarantee?

Personal guarantees are often required for certain types of business finance, especially for unsecured loans. This means that if your business cannot repay the loan, you may be personally liable for the debt. Fairmont can help you assess the implications of providing a personal guarantee and explore options that may or may not require one.

Loan Purpose?

Many finance options offer flexibility in fund use, from working capital to expansion. However, products like asset finance may have specific restrictions. Fairmont can guide you to the best options based on your intended fund use and business needs.

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