No, the loan application form is really quite straightforward and can usually be
completed within a matter of minutes.
No, we want you to use our retail finance facility as much as possible and without
restriction. There is no pressure to hit monthly or annual targets.
No, we don't include any payday lenders on our lending panel.
Our business model means that we only accept finance applications via authorised
retailers. A customer will need to quote the name of your business and/or your unique account
number in order to secure finance.
No, our services are entirely risk-free. The loan agreement is strictly between your
customer and the lender so you'll never be liable in the case of bad debt or early settlements.
Our APRs start from as low as 2.9%*, but it’s important to note that these can vary,
depending on individual circumstances and the lender's criteria. We also offer 0% and fixed
APRs ranging from 4.9% to 19.9%.
*Accurate at the time of print but may be subject to change.
There are plenty of ways in which you can promote our finance. We recommend using
social media, in-store marketing, advertising or your website to get the word out. We provide you
with some marketing material to get you started.
On our Interest Free Credit and Fixed APR products, the minimum deposit is 10% up to
a maximum of 75%. There is no minimum deposit on our interest-bearing options.
Customers must complete all applications themselves (unless you hold FCA
Consumer credit agreements have a statutory cooling off period of 14 days. The loan
would have to be repaid in full within this time.
No, the finance is separate from the guarantee.
The process has been streamlined for your ease. In most cases, all we require is the
completion of our regulatory forms, a copy of your data protection certificate, proof of ID and
your most recent set of accounts.
Once you have been registered, we provide some compulsory online training, designed to
be educational and informative, and we carry out quarterly calls to help make sure you are getting
the most out of the service. We are also on hand 5 days a week should any of our retailers require
any further help or assistance.
No. Ideal4Finance will register you with the FCA as an Introducer Appointed
Representative allowing you to promote and introduce finance to your customers.
Unlike most, who require minimum trading history and minimum turnover requirements,
we do not. We do, of course, carry out our due diligence checks to ensure that we are only dealing
with reputable and sustainable businesses.
Once we are in receipt of all the required documents and information, we will register
you with the FCA. On average, this takes between 10-20 working days but we cannot guarantee this.
For more information,
contact one of our advisors by calling
or if you prefer email, please use our contact form to
get in touch. We look forward to
Ideal Sales Solutions Ltd T/A Ideal4Finance is authorised and regulated by the Financial Conduct
Authority (FCA). Firm Reference Number 703401. The Financial Conduct Authority (FCA) regulates
services in the UK and you can check our authorisation and permitted activities on the Financial
Register by visiting the FCA’s website
We will at all times act in your best interests, we source loans from a panel of lenders that are
suitable to the
requirements you disclose to us. When the preferred option has been agreed, we will provide you with
about the loan and the provider of this to ensure you understand your responsibilities and
commitments before proceeding.
PLEASE NOTE: If initially applying for, or if the option of a Secured Loan is
any and all advice relating to the Secured Lending Option will be received from the Secured
Lender directly. Ideal Sales Solutions Ltd are a credit broker and not a lender and
therefore do not offer any advice in relation to loan applications of any kind.
The loan that you are applying for is not linked to the product or service that you are
The firm will be acting as a Credit Broker on your behalf and is not a Lender.
We intend to rely on this document for the services we provide to you. By completing an application
you confirm that you
agree to these terms and conditions. For your own benefit and protection you should read these terms
carefully before continuing.
SCOPE OF SERVICE
Ideal4Finance works with a panel of lenders which represent a fair analysis of the relevant market.
Please ask for details of
the panel of lenders we use if you require this information.
Ideal4Finance receive a commission from our lenders upon completion of a loan. The amount of
this commission will vary depending on the amount borrowed, the lender and product offered.
Further information available on request.
The General Data Protection Regulations ("GDPR") requires companies and individuals who process
Personal Data to explain how
explains how we will process
your Personal Data and you are advised to read through the terms of this policy before using our
services. We will not use
your Personal Data for any other purpose without first informing you.
By continuing you are confirming that you have read and understand the Credit Brokering Services
- terms and conditions.