Get Your Consumer Credit Licence.
Fixed-price FCA Limited Permission packages, prepared in five working days.
Get Your Consumer Credit Licence.
A complete, submission-ready FCA Limited Permission application package for £1,150, tailored to your business and prepared within five working days. No sales calls. No hourly fees.
- Business informationReady
- Permission assessmentReady
- Regulatory business planReady
- Policies and proceduresIn progress
- Application reviewPending
- Ready for submissionPending
- Fixed fee of £1,150 + VAT
- Tailored documentation
- FCA Connect guidance
- Transparent pricing
Authorisation decisions are made solely by the Financial Conduct Authority. Approval cannot be guaranteed.
Three packages. Pick one and buy online.
This is a fixed-price shop, not an hourly consultancy. Choose the package that matches where you are, pay securely online, and we start work straight away.
Permission Analysis
A written PERG review of your activities and whether permission is required.
£420 total payable to us
One-off fee. Revisions are not included and are charged separately.
Buy nowWhat's includedApplication Review
An independent review of an application you have already prepared.
£780 total payable to us
One-off fee. Revisions are not included and are charged separately.
Buy nowWhat's includedApplication Preparation
The complete limited permission application, prepared and ready to submit.
£1,380 total payable to us
One-off fee. Revisions are not included and are charged separately.
Buy nowWhat's included- Secure card payment
- VAT shown at checkout
- No hourly fees
- Work starts on payment
Offering Finance to Your Customers?
If your business introduces customers to a finance provider, arranges credit, provides finance or enters into certain consumer hire agreements, you may require FCA authorisation.
Your requirements will depend on your activities, business model, customer journey, relationships with finance providers and whether consumer credit is your main business activity.
Limited Permission: Our Application Package
Our service is built for businesses where offering finance supports the sale of their own product or service. One clear package, one fixed fee.
- Home improvement firms
- Motor dealers
- Retailers and online merchants
- Dental and cosmetic clinics
- Veterinary practices
- Jewellers, watch and equipment suppliers
We work with limited permission applications only. If your activities appear to require full permission, we will tell you before you buy so you don't pay for a service that isn't right for your business.
Check first. Then choose and buy your package.
Answer a few questions about your business, see which package fits, and buy it online. Work begins as soon as payment is received.
- 01
Check
Answer a few short questions about your business and how you offer finance. Free, no obligation.
- 02
Choose your package
Pick Package 1 preparation, Package 2 review or Package 3 permission analysis, whichever matches where you are.
- 03
Buy
Pay securely online. One fixed price, one clear scope, no hourly billing.
- 04
Receive your pack
We prepare your submission-ready application pack within five working days and guide you through FCA Connect.
Limited Permission Application Pack
- Professional service fee
- £1,150 + VAT
- FCA application fee
- £560
- Preparation time
- 5 working days
- Eligibility checked before you pay
- Fixed price, no hourly fees
- Documents tailored to your business
The FCA application fee is separate from our professional fee, is paid directly to the FCA and may change. The applicable fee will be confirmed before submission.
The same application, without the guesswork
How our fixed-fee package compares with hourly consultants and preparing the application yourself.
Check Which Consumer Credit Permission You May Need
Answer a few questions about your business. Your result will be indicative and will not constitute legal or regulatory advice.
- Structured around real FCA application questions
- No obligation, a specialist reviews every answer
- Choose your package at the end and pay online
You can change this later. Payment is taken before we begin work.
A Clearer Route Through the Application Process
- 01
Assess Your Activities
We review your business model, customer journey, finance arrangements and proposed consumer credit activities.
- 02
Prepare Your Application
We prepare the agreed application documents using information specific to your company, management, activities and customers.
- 03
Review and Submit
You receive a structured application pack, FCA Connect guidance and support with reasonable application-related follow-up questions.
FCA assessment times depend on the application, its completeness and the questions raised during the assessment. We do not promise a specific FCA decision timescale.
Three packages. Clear scope, clear totals.
A defined professional fee for the application-preparation service, with the FCA fee disclosed separately.
Application Preparation
Choose this if you need the whole application and document pack prepared for you.
A complete application-preparation service for eligible businesses seeking limited consumer credit permission.
- Initial business and activity assessment
- Permission-scope review
- Application information checklist
- Regulatory business plan
- Customer journey documentation
- Tailored core policies and procedures
- Consumer Duty considerations
- Governance and responsibility information
- Financial promotions considerations
- Complaints-handling procedure
- Vulnerable customer considerations
- Conflicts-of-interest procedure
- Commission and remuneration disclosures
- FCA Connect application guidance
- Pre-submission quality review
- Support with reasonable FCA questions
* The FCA application fee is paid directly to the FCA and is not part of the total above. The FCA application fee is separate from our professional fee, is paid directly to the FCA and may change. The applicable fee will be confirmed before submission.
One-off fee. This is a single, one-time purchase covering the scope listed above. Revisions are not included; any additional revisions or extra work are chargeable separately and quoted before we start.
Buy Package 1 View Full Service DetailsApplication Review
Choose this if you have already written your application and want it checked.
For businesses that have already prepared their application and supporting documentation and would like an independent professional review before submission.
- Review of the completed application
- Review of the regulatory business plan
- Review of submitted policies and procedures
- Identification of missing information
- Identification of inconsistencies
- Review of the regulatory permissions
- Written recommendations
* The FCA application fee is paid directly to the FCA and is not part of the total above. The FCA application fee is separate from our professional fee, is paid directly to the FCA and may change. The applicable fee will be confirmed before submission.
One-off fee. This is a single, one-time purchase covering the scope listed above. Revisions are not included; any additional revisions or extra work are chargeable separately and quoted before we start.
Buy Package 2 View Review DetailsPermission Analysis
Choose this if you are not yet sure whether you need FCA permission at all.
A written PERG-based analysis of your activities, telling you whether FCA consumer credit permission is required and, if so, which permissions are relevant.
- Review of your business activities
- Review of your customer journey
- PERG-based analysis of the regulated activities involved
- Consideration of relevant exclusions and exemptions
- Whether limited permission is likely to apply
- Written conclusions and recommended next steps
* The FCA application fee is paid directly to the FCA and is not part of the total above. The FCA application fee is separate from our professional fee, is paid directly to the FCA and may change. The applicable fee will be confirmed before submission.
One-off fee. This is a single, one-time purchase covering the scope listed above. Revisions are not included; any additional revisions or extra work are chargeable separately and quoted before we start.
If you go on to buy Package 1, this is the natural first step, it confirms the permissions your application should request.
Buy Package 3 View Analysis DetailsWhat happens next, step by step
- 1You receive an order confirmation with your package details.
- 2We send your information request and document checklist.
- 3You return the information and we prepare the full pack.
- 4We guide you through submitting on FCA Connect.
- 1You receive an order confirmation with your package details.
- 2We send a short checklist of the documents to upload.
- 3You send your application and we review it in full.
- 4You receive written recommendations before you submit.
- 1You receive an order confirmation with your package details.
- 2We send a short set of questions about your activities.
- 3You answer them and we carry out the PERG analysis.
- 4You receive written conclusions and recommended next steps.
Application Documentation Built Around Your Business
Your application documents should reflect how your business actually operates. We prepare the agreed documents using information about your activities, customers, governance, finance arrangements and controls.
The documents required will depend on your proposed activities, permissions, legal structure and agreed service scope.
- Regulatory business plan
- Business model description
- Permission and activity analysis
- End-to-end customer journey
- Governance structure
- Roles and responsibilities
- Compliance monitoring programme
- Consumer Duty framework
- Financial promotions policy
- Complaints-handling procedure
- Vulnerable customer policy
- Conflicts-of-interest policy
- Commission disclosure approach
- Financial crime and fraud controls
- Data-protection considerations
- Financial forecasts where required
- FCA Connect application guidance
- Pre-submission review
Specialist support, prepared around your business.
Specialist Support
Focused support for businesses preparing FCA consumer credit applications and related documentation.
Tailored Documents
Documents prepared around your actual business model, customer journey, governance and controls.
Clear Pricing
A defined professional fee, a clear service scope and separate disclosure of the applicable FCA fee.
Practical Guidance
Support throughout the preparation process, FCA Connect submission and reasonable application-related questions.
Businesses that offer customer finance
We support businesses across a range of sectors that introduce customers to finance to help pay for their products or services.
Not sure which permission you need?
Answer a few short questions about your business, choose your package and we will take it from there.