About Acceptance
We built a lender that says yes.
Too many good businesses get turned down — not because they can’t repay, but because they don’t fit the template. We built Acceptance to change that.
£500k
24h
92%
48h
- FCA regulated
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
Our mission
Every business deserves a fair hearing.
When businesses need funding to grow, too many hear the same word: no. Not because they’re failing — but because traditional lenders use criteria that were never designed with real businesses in mind.
We look at where your business actually is, not where a spreadsheet says it should be. Our mission: say yes to the businesses that deserve it, faster and more fairly than anyone else.
What we stand for
Three things we never compromise on.
Speed
A decision within 24 hours. Funds in your account within 48. Not next week — now.
Fairness
Every application is reviewed by a real person. We look at your whole picture — not just a credit score.
Clarity
No hidden fees. No small print. You’ll know exactly what your loan costs before you commit — and that never changes.
Why Acceptance
How we're different from the banks.
We’re not a bank. Banks are built for a different era. We built Acceptance from the ground up to serve businesses that need capital quickly.
24 hours, not 24 days
No branch visits. No committees. Apply online, get a decision tomorrow.
Real people, every time
A real member of our team reads every application and makes a considered decision.
No hidden fees. Ever.
The rate we quote is the rate you pay. Full stop.
| Acceptance | High street bank | |
|---|---|---|
| Decision time | 24 hours | 2–6 weeks |
| Application | Online, 5 mins | Branch visit |
| Credit assessment | Whole picture | Score only |
| Fixed rates | Always | Often variable |
| Early repayment | Fee-free | Often charged |
| Human review | Every case | Automated |
Why Acceptance
Your money. Your trust. Our responsibility.
Easy process
Apply in minutes online. No mountains of paperwork, no endless back-and-forth. Just a simple form and a fast answer.
Same-day funding
Once approved, funds can hit your account the same day. Because when opportunity knocks, you can't afford to wait.
No hard credit pull
Check your eligibility and see what you can borrow without leaving any mark on your credit file. Zero risk to apply.
What we offer
What type of funding do you need?
Put it to work
What can you do with funding from Acceptance?
- Hire more staff
- Open a new location
- Buy stock or inventory
- Launch a campaign
- Stabilise cash flow
- Upgrade equipment
- Expand or renovate
- Consolidate debt
Am I eligible?
What do you need to apply?
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The process
Four steps to funded.
Apply in minutes
A quick online form. Tell us about your business and how much you need.
Soft credit check
We check your eligibility without leaving a mark on your credit file.
We say yes
A real person reviews your application and comes back to you within 24 hours.
Money in your account
Sign your agreement and the funds are on their way — often the same day.