Lendaline Business Finance

Lendaline Business Finance: financing for British SMEs from Milton Keynes

Lendaline Business Finance Ltd is an independent commercial finance brokerage based in Milton Keynes, England. The firm presents itself as a specialist in connecting UK businesses and SMEs with lenders, and expressly states that it is not a lender: its role is to introduce applicants to a wide network of finance providers based on their needs, circumstances and creditworthiness. The company operates as an appointed representative of Crystal Business Finance Ltd, an entity authorised and regulated by the Financial Conduct Authority (FCA).

A three-step application process

The firm's described method of working is structured in three stages. In the first, the applicant completes an online finance application form and a member of the Lendaline team contacts them within fifteen minutes to finalise the application and gain a detailed understanding of the business, how it operates, its income sources, the areas that need funding and any financial difficulties it may be facing. In the second, the company's in-house underwriters compliance-check the application and set out to obtain the right finance package, with timescales the company places between two and twenty-four hours. In the third, the client accepts and signs the offer — by post, electronic signature or in person, depending on the lender's terms — and the funds are arranged for drawdown.

Lender network and responsiveness

The company states it has direct access to over 120 lenders, with underwriting decisions in as little as two hours in some cases and an eligibility checker with an instant response. Among the figures the firm itself cites are thirty years of experience in financial solutions, a maximum of five million in available funds and more than 75,000 conversations held about business finance applications. The company emphasises that every application is tailored to the client's specific requirements and that the online service is free.

Terms and transparency

Lendaline insists on transparency in the process: it explains the terms and conditions and details the commission models it works with, which include a fixed fee, a fixed commission rate, a percentage of the amount borrowed and a risk-based rate depending on the company's profile. The firm clarifies that it receives commissions from lenders and that it does not act as an independent financial adviser, so it cannot provide independent financial advice. Approvals carry no obligation to proceed and the client is free to decide whether they wish to continue. Applicants must be over eighteen years of age and guarantees and sureties may be required.

Corporate profile and registration

Lendaline Business Finance Ltd is registered in England and Wales with company number 14064342, and is listed on the Information Commissioner's Office Register of Data Controllers with number ZB336658. Its entry on the Financial Services Register corresponds to reference 975936. The parent company, Crystal Business Finance Ltd, is registered with number 06457269 and its reference on the same register is 653671.

Location and contact

Suite F1 Gemini, Linford Wood Business Park, Sunrise Parkway, Milton Keynes, MK14 6LQ · Phone: 01908 419621 · Email: enquiries@lendaline.co.uk