Customer For Creative

Individual Customer

Who We Are & What We do

We are a broker fully licensed by the Financial Conduct Authority with a wide panel of lenders for providing the right funding solution to the right customer.

We facilitate access to a wide range of financial product groups such as: Leasing and Asset, Cashflow finance, Alternative Finance and Personal Finance.

We are paid by the lender. We provide a service, and we will receive a commission for making a referral to a lender which results in a loan, but we will never charge you for a fee for finance. Of course, the lender accounts for their costs in the margin of your agreement.

We offer efficient service, expertise and we can provide other options if the funder rejects your application.

BankCreative
Here to pitch for you?
Open-minded?
Compare options?
Alternative finance?
Prepared to visit you?
Community roots?
Wide panel of lenders?
More opportunities?
Full explanation of alternatives?
Hand-holding application?
Many different reserves and criteria?
Charges you a fee directly?
Preferential rates?

Whichever lender we introduce to you we will typically receive commission at a fixed percentage of the amount you borrow.

Here at Creative™ we understand that some of our customers may be facing challenging circumstances that affect their financial situation and well-being. We are committed to providing fair and compassionate service to all of our customers, especially those who are vulnerable.

We define vulnerability as a state of disadvantage or reduced ability to cope with financial difficulties due to personal or external factors. These factors may include:

– Physical or mental health problems

– Bereavement or loss of a loved one

– Relationship breakdown or domestic abuse

– Low income or unemployment

– Debt or financial hardship

– Disability or caring responsibilities

– Age or lack of digital skills

– Language or communication barriers

– Any other factor that makes you feel vulnerable

If you are experiencing any of these factors, or if you feel that your circumstances make it difficult for you to manage your finances, please let us know as soon as possible. We will treat your information with respect and confidentiality, and we will work with you to find the best solution for your needs.

Some of the ways we can support you include:

– Giving you more time to consider

– Referring you to free and independent debt advice services

– Working with a translator

– Providing you with alternative ways to communicate with us, such as email, text, or web chat

– Sending you information in a format that suits you

– Signposting you to other sources of support, such as charities, helplines, or community groups

We want to make sure that you get the most out of our service, and that you feel valued and respected as a customer. If you have any questions or concerns, or if you need any extra support, please contact us on 01293127377 or email us at info@creativefs.co.uk. We are here to help you.

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FAQs

Commonly asked questions

Some lenders prefer perfect credit history, some lenders are looking for near perfect, some not so perfect, and some target higher risk business. You are commissioning us as a broker to find the lender that wants to do business with you. We will never credit search you without your permission. However, if you ask us to approach a lender on your behalf it may be necessary for us to credit search you to select the lender that’s right for you, so as part of instructing us you must give us permission to search you, otherwise we simply couldn’t do that job for you properly. The lender themselves will also credit search you, and this would be for nothing if we’d pitched it to the wrong underwriting team. In some limited circumstances it may be possible to do a ‘soft’ credit check, which will not show up on your credit history, and we will inform you if that is the case. Generally speaking we perform a soft credit check and the lender performs a hard one.

It is important to recognise that we have a wide panel of lenders – over 50 – but this is not the whole market. We will make every effort to pitch your business to the lender on our panel that will best meet your objectives in the most affordable way. However, sometimes that means we will try a lender who we feel is likely to take your business – but is not certain to. If you are rejected by the first lender we approach, then using the feedback we receive from that lender, we hone our pitch and make as sure as we possibly can that the next lender we approach will take you. This is because we do not want to leave a long trail of credit searches and declined proposals in your credit history.

Typically, thirty days, but lenders usually reserve the right to withdraw any offer at any time prior to acceptance. If you receive an offer in principle but do not proceed then after that period elapses we will have to start the process again.

Got a question?

Here are some of the most common questions asked by our customers. If there is anything else you want to know, please get in touch!

Our group is comprised of Creative Funding Solutions Limited, which is FCA registered and handles both business and consumer broking, and there is Creative Funding Solutions (Holdings) Limited and an ownership trust as well. Nobody except employees and agents of our group will have access to your details, and we do not sell information to anyone. Obvious exceptions are the necessity to inform a lender who their potential customer is, and what their proposal is, so that they may make a decision based on the individual circumstances of each case, and the Credit Reference Agency for the purposes outlined in our opt-in Privacy Notice. We may store or process your information through licensed third-party software, such as Microsoft Office for example as well. Rest assured we are finance brokers, not data brokers.

You will usually be able to terminate a finance agreement early, however in such cases consumers receive a statutory minimum rebate, according to the length of term and interest payable left in the deal, whereas business customers will find that the advantages of settling early are themselves minimal. You can find more information about overpayments and early settlements here.

Absolutely none whatsoever, and you can disengage any time prior to signing. We do not work according to a ‘hard sell’ philosophy. We don’t have to. If you’re looking for finance, our service sells itself.