Q: What is Certy?
A: Certy is an independent business funding connector that connects businesses with FCA-authorised lenders for unsecured loans. We help businesses explore funding options quickly and easily, without any hidden fees or obligations.
Q: How does Certy work?
A: We match businesses with trusted and certified lenders based on their needs. Simply provide a few details inc. funding requirements, and we’ll introduce the business to lenders who may be able to help. The lender will then take the business through the full application process.
Q: Is Certy a lender?
A: No, Certy is not a lender and does not provide loans directly. We act as an introducer, connecting businesses with FCA-regulated lenders.
Q: Does Certy charge businesses for introductions?
A: No, our service is completely free for businesses. We earn a fee from our lending partners when an introduction leads to a successful loan.
Q: What types of loans can a business access through Certy?
A: We introduce businesses to lenders offering unsecured business loans.
Q: How quickly can a business get funding?
A: Funding times vary depending on the lender, but many businesses receive decisions and funding within in as little as 48 hours.
Q: Will applying through Certy affect credit scores?
A: No, using Certy does not impact a personal credit score. However, when a business proceeds with a lender, they may perform a credit check as part of their assessment.
Q: Is Certy regulated by the Financial Conduct Authority (FCA)?
A: Certy operates as an introducer, meaning we do not require FCA regulation. However, we only work with FCA-authorised lenders to ensure transparency and security.
Q: How do I get started?
A: Simply click here, enter a few details, and we’ll introduce you/your client to suitable lenders. There’s no obligation to proceed with any offer.
