GROW YOUR BUSINESS BY OFFERING
FINANCE OPTIONS TO YOUR CUSTOMERS

Offering finance gives your customers a way to spread the cost of larger purchases, rather than paying everything up front.

Being able to offer suitable finance options can help you win larger projects, broaden your market and build customer loyalty. Lenders will always assess whether the finance is affordable for each customer.

Phoenix Financial Consultants offers a range of services to help businesses in a variety of sectors offer finance to their customers. We work with a panel of lenders to build a package that suits your market and the way you work.

• More sales opportunities
• Reach more customers
• Increase average order value
• Stand out from your competitors

Ways to offer finance:

Most credit offered to consumers is regulated by the Financial Conduct Authority (FCA), so businesses that introduce customers to finance need the right arrangements in place. There are several ways to do this, depending on how involved you want to be. We will help you choose the right route and support you with the compliance that goes with it.

Directly authorised firms

Review your lender arrangements

If your business is authorised by the FCA, we can help you review your current lender arrangements and compare them with what is available from our panel. Many businesses have not reviewed their finance providers for years. There is no charge to you for this review.

Appointed representative

Discuss finance options with your customers

You can become an appointed representative of Phoenix Financial Consultants, which is authorised and regulated by the FCA. As an appointed representative, you can carry out the credit broking activities we agree with you, under our authorisation and supervision. We will provide training, oversight and support with your regulatory obligations.

Introducer appointed representative

Offer finance through the Phoenix quoting system

As an introducer appointed representative (IAR), you introduce customers to Phoenix and give them our approved finance information through our quoting system. Phoenix then deals with the customer's finance enquiry. IARs cannot advise on or discuss the details of finance with customers, but this is often the simplest and lowest-cost way to offer finance.

Interest-free instalments (deferred payment credit)

Offer interest-free payment options without becoming authorised

We can help you offer interest-free credit repaid in 12 or fewer instalments within 12 months, provided by a third-party lender. Since 15 July 2026 this type of credit has been regulated by the FCA, and the lender is responsible for meeting the rules. Businesses that offer it to their customers do not normally need to be authorised or become an appointed representative to do so.