Why should I use you?

The team at STAS Capital have a wealth of experience within the Financial Services sector, some of whom are either ex-bankers or commercial finance brokers to ensure you have the best advice to hand in your search for the most suitable funding solution to support  your businesses growth. 

STAS have access to a wide ranging panel of lenders, we charge no fees for our service and are committed to finding  you the best solution as quickly as possible.

With strong links in the industry, we are always up-to-date with the lenders and leading developments to ensure that we can always provide our clients the best possible service.

Instead of making multiple direct applications which could harm your credit rating from the multiple credit checks, we thoroughly review your application and only apply to the 2-3 most relevant lenders which will save you both time and money spent trying to get an approval – leave it to us and you can focus on what matters most… your business!

Our philosophy is simple, we follow a consultative approach with every one of our clients to ensure we have all the facts before presenting your application to the market. We want to be there for our clients at each and every step of their journey, we’re relationship driven and always strive to maintain a high level of customer service. 

What fees do you charge?

We do not charge you any fees. The lender’s pay us for the introduction and so there’s no difference for you whether you go through us or direct to them. As a result, it is in our best interests to get you the best possible offer.

How many lenders will you apply to?

We will fully assess your application based on your funding requirements and the information provided (financials).

From this, we will typically apply to 2 lenders, maximum 3 based on the lenders that will give you the best approval, and also most likely to approve you.

We do not spam your application out to the market and we will tailor your application to each individual lender to ensure the best chance of success.

What funding do you offer?

Please see our Solutions page which lists the funding options that we offer, however we have access to a wide ranging  panel and can look at a number of finance solutions. 

I have poor credit, can you help?

Yes, albeit any application will be subject to our lenders credit policy at the time of application and could be governed by certain restrictions. 

How much can I borrow?

How much you can borrow depends on a range of different factors including your previous financial performance (turnover, profit, EBITDA, average monthly revenue), your projected forecasts (if available), upcoming contracts or could even be your monthly card revenue sales. 

We will be able to let you know how much you can expect to borrow at the time of application and will vary in line with the lender's credit policy at the time of application. 

Do I need to be a homeowner?

No, you do not need to be a homeowner in order to get funding. 

There are plenty of options available if you aren’t a homeowner, but you are likely to be limited to a shorter term or you may be limited as to how much you can borrow.

Will you run a credit check on me?

We won’t run a credit check on you. We will however ask for your permission on the lender's behalf to run a credit check on you as all lenders will require this to assess your application. You shouldn’t be concerned by this as the majority of lenders will perform a soft credit check which will have no impact on your credit rating.

How many lenders will you use for an application?

We will only apply to maximum 2, possibly 3 lenders after assessing your application to give you the best possible chance of obtaining an offer.

Will a loan affect my personal credit?

No, all loans are strictly business loans and therefore won’t show up on your personal credit file.

What documents do I need?

The documents required depends on the finance product you are looking for, but typically we require:

Last 3 months business bank statements

Latest set of filed accounts and Management Accounts (if available) 

Our view is that we will always tell you the minimum documents required, however the more information you can provide, the better as we will only use the information that supports your application.