Who we help

One income. Many ways the system mislabels it.

Whatever the payroll architecture behind your contract, there is a lender that assesses it correctly. Find your situation below.

Directors & company

Borrow on salary, dividends and retained profit — not just the SA302.

Assessed fairly on your net profit, with one-year-accounts options.

Day-rate contractors

Borrow on your current contract and day rate, even from day one.

Foreign currency, rotations and complex residency, handled.

Sessional income and continuous experience, not ‘temporary’ rejection.

Payroll & variable income

Borrow on gross contract value, not the figure after deductions.

Off-payroll changes your tax, not whether you can borrow.

Gross posted income, before the 20% deduction.

Averaged income builds a figure lenders will lend against.

Not sure which fits you? We’ll know.