Lending intelligence / 2026

Credit, explained in numbers you can act on.

Rate analysis, underwriting criteria and repayment mechanics, written for owners who read the fine print.

Latest analysis

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6.4% Median approved rate
48h Median decision time
1.2B Funded since 2019
94% Renewal rate

Pricing

The rate you are quoted is the rate you pay.

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Total cost of credit stated in writing before signature. No arrangement fee, no exit fee, no repricing.

Underwriting

We quote the rate before you apply, never after.

One standard, applied the same way to every file. No teaser pricing, no repricing at signature.

Financing

Send three statements. Get a written offer in 48 hours.

A soft check only. Nothing is filed against your credit until you accept.