The longer answers.
The compressed answers live on the front page. These ones keep the detail.
About the name
Is my file scored by a model?
It is not. Software parses the statements, totals the months and assembles the file so that nobody re-keys anything, which is the entire source of the speed. The judgement belongs to a reviewer, and so does the telephone call.
Could an algorithm decline us without anyone looking?
No. Every answer leaving this office has been read by a person first. There is no automatic refusal path, and the privacy notice commits to that in writing.
So what does the automation actually buy us?
Hours, mostly. A file that would otherwise wait for someone to type numbers off a PDF is ready for review within minutes of upload. On a good day that is the difference between an answer today and an answer on Thursday.
Getting through it
Why does the form open with the purpose rather than the amount?
Because what the money is doing frames everything that comes after it, including which funders are worth approaching. It is one field and it saves a phone call.
How long does the whole thing take?
Five minutes typing, then an upload. Attach the statements in that same sitting and the answer is usually same-day; promise them for later and the clock never starts.
Uploads
Why a full quarter?
A month is noise. A quarter shows direction - level, seasonal, or falling - which is the thing being priced. More is fine.
What formats work?
PDFs exported by the bank, up to ten files at 25MB each. Screenshots and photographs of a screen lose the data the parser needs, and spreadsheets are not accepted as evidence.
Credit and commitments
Does applying mark my file?
Not for the answer issued here. Before execution a funder may run its own search, and word of that reaches you first.
We already carry an advance.
Ordinary, and asked directly. The outstanding balance shapes what can sit on top of it rather than whether anything can.
Afterwards
Can we return for a second advance?
Usually, once a reasonable share of the first is retired. The second file is quicker because the record is already parsed and on hand.
Revenue has fallen since signing.
Call before the next payment is due rather than after it. Nearly all the room to restructure sits on the near side of a missed instalment.