How Can We Help?: 0207 294 7500
Ready to Find the Right Funding?
Get a Quick Response
Just 4 simple steps
1
Complete the form on this page
2
We will review your requirements
3
We’ll Send Your full proposal
4
Your finance is arranged
FAQ
Frequently Asked Questions
General Questions
Who is Claratus?
Claratus is an independent commercial finance broker in the UK, helping businesses access tailored funding solutions. Whether you’re seeking a business loan, invoice finance facility, asset finance, or property finance, we connect you with trusted lenders who understand your goals.
Who can apply for finance?
We support a wide range of UK businesses, from sole traders and partnerships to limited companies. Whether you’re a start-up needing working capital or an established firm looking to expand, we’ll help you find the most suitable option.
How much can my business borrow?
Funding typically starts from £5,000 and can extend to several million pounds, depending on your business profile, the lender, and the finance product.
What types of finance solutions do you offer?
Claratus provides access to a variety of commercial finance solutions, including:
Claratus is an independent commercial finance broker in the UK, helping businesses access tailored funding solutions. Whether you’re seeking a business loan, invoice finance facility, asset finance, or property finance, we connect you with trusted lenders who understand your goals.
Who can apply for finance?
We support a wide range of UK businesses, from sole traders and partnerships to limited companies. Whether you’re a start-up needing working capital or an established firm looking to expand, we’ll help you find the most suitable option.
How much can my business borrow?
Funding typically starts from £5,000 and can extend to several million pounds, depending on your business profile, the lender, and the finance product.
What types of finance solutions do you offer?
Claratus provides access to a variety of commercial finance solutions, including:
- Business loans for growth and working capital
Asset finance for vehicles, equipment, and machinery
Invoice finance to unlock cash tied up in unpaid invoices
Property and buy-to-let finance for investors and developers
Professional practice loans for accountants, solicitors, and healthcare practices
Cashflow finance to smooth seasonal or unexpected costs
Application Process
How do I apply for business finance?
It’s simple. Complete our quick online enquiry form or call our team of expert commercial finance brokers. We’ll review your needs, compare options, and connect you with the most appropriate lenders.
What information will I need?
Most applications require:
It’s simple. Complete our quick online enquiry form or call our team of expert commercial finance brokers. We’ll review your needs, compare options, and connect you with the most appropriate lenders.
What information will I need?
Most applications require:
- Recent business bank statements
- Company accounts or financial reports
- Proof of ID and address
- Asset details (for secured finance)
Will applying affect my credit score?
No — an initial enquiry with Claratus is a “soft search” and won’t impact your credit rating. If you move forward with a lender, a full (hard) credit check may be required.
How quickly can I receive funding?
Many of our clients receive approval and funding within 24–48 hours, although larger or more complex facilities may take longer.
No — an initial enquiry with Claratus is a “soft search” and won’t impact your credit rating. If you move forward with a lender, a full (hard) credit check may be required.
How quickly can I receive funding?
Many of our clients receive approval and funding within 24–48 hours, although larger or more complex facilities may take longer.
Costs & Repayments
What interest rates are available?
Interest rates vary based on the type of finance, loan amount, term, and credit profile. Claratus always works to secure competitive UK business loan rates and ensures you understand the full cost of borrowing before you commit.
Are there fees involved?
Some facilities may include arrangement or administration fees. These will be fully explained upfront so you can make an informed decision.
Can I repay my loan early?
Yes — many products allow early repayment or lump-sum overpayments. Some lenders may offer discounts for early settlement, while others may charge a small fee. We’ll advise you clearly before you proceed.
How will I make repayments?
Repayments are usually monthly, but some lenders offer weekly, seasonal, or flexible repayment schedules to align with your cashflow.
Interest rates vary based on the type of finance, loan amount, term, and credit profile. Claratus always works to secure competitive UK business loan rates and ensures you understand the full cost of borrowing before you commit.
Are there fees involved?
Some facilities may include arrangement or administration fees. These will be fully explained upfront so you can make an informed decision.
Can I repay my loan early?
Yes — many products allow early repayment or lump-sum overpayments. Some lenders may offer discounts for early settlement, while others may charge a small fee. We’ll advise you clearly before you proceed.
How will I make repayments?
Repayments are usually monthly, but some lenders offer weekly, seasonal, or flexible repayment schedules to align with your cashflow.
Support & Security
What happens if I miss a repayment?
If you’re unable to make a payment, contact us immediately. Lenders may apply late fees or default interest, and it could affect your credit profile. In certain cases, repayment schedules can be adjusted.
Is my data safe when applying with Claratus?
Yes. We’re fully compliant with UK GDPR and data protection laws. Your personal and business information is secure and only shared with relevant lenders when necessary.
Are Claratus products regulated by the FCA?
Some of the finance solutions we arrange are regulated by the Financial Conduct Authority (FCA). We’ll always confirm whether a product is regulated before you apply.
How do I make a complaint?
We’re committed to excellent service. If you need to make a complaint, please email info@claratus.com or call 0207 294 7500. If we can’t resolve your issue, you may escalate it to the Financial Ombudsman Service (where applicable).
If you’re unable to make a payment, contact us immediately. Lenders may apply late fees or default interest, and it could affect your credit profile. In certain cases, repayment schedules can be adjusted.
Is my data safe when applying with Claratus?
Yes. We’re fully compliant with UK GDPR and data protection laws. Your personal and business information is secure and only shared with relevant lenders when necessary.
Are Claratus products regulated by the FCA?
Some of the finance solutions we arrange are regulated by the Financial Conduct Authority (FCA). We’ll always confirm whether a product is regulated before you apply.
How do I make a complaint?
We’re committed to excellent service. If you need to make a complaint, please email info@claratus.com or call 0207 294 7500. If we can’t resolve your issue, you may escalate it to the Financial Ombudsman Service (where applicable).
