Frequently Asked Questions

Adverse Credit Brokers is a trading style of Archangel Private Finance Limited, a specialist finance introducer. We connect UK businesses and property investors who have adverse credit with specialist lenders on our panel. We do not lend money ourselves and we are not regulated by the FCA.

We are paid a commission by the lender if and when a deal completes. We do not charge our clients any upfront fees at any stage. You can enquire, explore your options and receive a lender introduction completely free of charge.

No. Archangel Private Finance Limited (trading as Adverse Credit Brokers) is not authorised or regulated by the Financial Conduct Authority. We only introduce commercial and business finance products to UK businesses. We do not advise on or arrange regulated residential mortgages or consumer credit products.

A member of our team reviews your enquiry and identifies the most suitable lenders for your situation. We then make a direct introduction. You deal with the lender directly from that point. We are available to assist if you have questions during the process.

We work with the full spectrum: CCJs (satisfied and unsatisfied), defaults (financial, utility, telecoms), missed payments, IVAs (active and discharged), Debt Management Plans, Debt Relief Orders, bankruptcy (discharged), and repossessions. Each lender has different criteria — we match you to the right one for your specific profile.

No. We do not run credit checks at any stage. Any credit check is only run by the lender directly, and only with your explicit consent at the formal application stage.

In some cases, yes. Merchant cash advances and some fast-track unsecured business loans can be approved and funded within 24–48 hours. Property-secured products typically take longer due to valuation and legal work.

No. We work with active adverse credit — including unsatisfied CCJs, live IVAs, and recent defaults. You do not need to wait until issues are resolved. However, satisfied adverse credit (debts paid) does open more lender options than unsatisfied.

For property finance (bridging, BTL, commercial mortgages), the minimum is typically £25,000. For business finance, some products (merchant cash advances, asset finance) start from £5,000. The minimum varies by product and lender.

For specialist bridging and development finance, we have lenders who will consider £10m+. Commercial mortgages and business loans up to £5–10m depending on security. The maximum depends on the product, available security, and your specific situation.

We primarily work with commercial and investment finance — landlords, property developers, and business owners. We do not arrange regulated residential mortgages for individuals purchasing their own home. Our BTL and bridging products are for investment properties, not owner-occupied residences.