Deal 5 — LENDX OS

Sarah Johnson

RetailCorp LLC Working Capital · 16 May 2026

£75,000

Conditional approval

FCA Commission Disclosure

Commission on this deal

Lender —

Commission rate —

Indicative commission £0

Under the FCA's Consumer Duty, we are required to disclose the commission we earn for arranging this facility. The figure above is the commission paid to LENDX by the lender for introducing this deal. It does not affect the rate offered to your client, but it is a material interest we must declare. By ticking the box below, you confirm that you have read and understood this disclosure and consent to the commission being earned on this deal.

Decision SLA

Time vs Aldermore published decision window

330h / 24h

Overdue 306h

Window 24h

Elapsed 330h

Decision SLA Aldermore

Started at 07 Aug 2026, 00:14

Past the published Aldermore decision window — escalation flag.

From the Aldermore published working-capital SLA — short-form digital submissions. Decision window: 24h after submission.

Switch your client to LENDX

NatWest + Barclays vs LendX OS

APR on ≤£100k

NatWest

12.57% representative APR (published)

Rate-from with full-broker visibility — submit and see your actual offer in the portal. Their headline rate is their worst deal — ours shows the actual rate per deal. Switch to LendX

Loans £15k+ at 8.5%–14.9% APR

Barclays

loans £15k+ at 8.5%-14.9% APR

loans £15k+ at 8.5%-14.9% APR High-street headline, but broker commission sits behind a published 1% disclosure, NACFB Front-row Patron 2026 status, and the Propel-via-Credit-Broker chain for asset finance. Switch to LendX

Sources: Barclays Business Bank published rate disclosure (Report 1830468); NACFB Front-row Patron listing 2026; Propel-via-Credit-Broker asset-finance chain disclosure. Verified against lender materials — not a regulated comparison.

Asset Backer Link

Collateral asset profile

Asset class —

Vehicle or equipment —

Expected collateral value band — / — GBP

Finance headroom —

Awaiting Asset Backer Link connection. This panel fills automatically the moment the integration is wired. Planned schema: asset_class, vehicle_or_equipment_descriptor, expected_collateral_value_band, finance_headroom_indicator

Asset Backer Link integration pending connection. Planned schema: asset_class, vehicle_or_equipment_descriptor, expected_collateral_value_band, finance_headroom_indicator.

Where the high street falls short

Bank feature gaps

Axis

NatWest

Barclays

Aldermore

LendX OS

APR on ≤£100k

12.57% representative APR (published)

Rate-from with full-broker visibility — submit and see your actual offer in the portal. Their headline rate is their worst deal — ours shows the actual rate per deal.

Speed to funds

Same-day funding confirmed on approved applications

Live stage + decision ETA in the portal from submission; broker sees the same payout date as the client. Same-day payout — and you see it coming instead of trusting the email.

Broker commission

Disclosure via Lombard Channel — opaque reconciliation

Per-deal commission shown live; reconciled daily; net-7 payout. Every pound you earn is on the page before it hits your bank.

Deals >£500k

Relationship-managed — must go through RM gatekeeping

Every deal — any size — flows through the same portal pipeline. No gatekeeper on the big ticket — submit and track it in one queue.

Market position

Ranked 11th of 17 UK business lenders (Monzo #1)

Independent alternative broker channel with portal-first workflow. 11th place is where brokers go when clients stop getting a yes.

Sources: Reports 1764519 (NatWest), 1830468 (Barclays), 1798122 (Aldermore); LENDX OS sector master matrix — verbatim quotation, not a regulated comparison.

Charging & Security Paperwork

Awaiting deal-financing quote

Awaiting deal-financing quote. Once a quote is generated for this deal (POST /api/deal-financing/quote, then linked to this application), this panel fills with security/charge type, vendor retention, deferred consideration, and the legal-document checklist. The checklist is fixed at six docs: Asset Sale Agreement, Vendor Loan Agreement, Personal Guarantee, Company Guarantee, Debenture, Stock / Asset Charge.

Charging & security paperwork panel — surfaces the persisted quote & document checklist once one exists for this application.

Consent to commission disclosure required before funding.

Back to pipeline