How it works
Your adviser, start to finish.
BrightSky pairs you with an adviser who knows the lending market. They find the right lenders, explain every offer in plain English and handle the legwork, so you can keep running your business.
The steps
- 1
Tell us what you need
What you do
Share how much you’re looking for, what it’s for and a few details about the business online.
What we do
We read it properly before we call, so you don’t have to repeat yourself.
- 2
Talk it through with an adviser
What you do
Tell us what matters most: cost, speed, flexible repayments or keeping your home out of it.
What we do
We explain which routes fit and which lenders on our panel are likely to say yes, in plain English.
- 3
We prepare and submit
What you do
Share recent bank statements, by secure upload or open banking, and confirm a few details.
What we do
We build the application, send it to the best-matched lenders and chase them so you don’t have to.
- 4
Compare offers and decide
What you do
Choose the offer that suits you, or none at all. There’s no obligation.
What we do
We lay out the total repayable, fees, term and any personal guarantee for each offer, side by side.
- 5
Funds released
What you do
Sign the lender’s agreement once you’re happy with it.
What we do
We stay on hand until the money arrives, and we’re here when you need funding again.
Be ready
What you’ll usually need.
Having these to hand is the single biggest thing that speeds up a decision.
Business bank statements
Usually the last 3 to 6 months. Open banking can share them securely in a couple of minutes.
Company details
Your company name or number. We look up the rest on Companies House.
Director details
Names, dates of birth and home addresses for the directors, as lenders need them.
Sometimes, more
For larger amounts, filed accounts, management accounts or card-terminal statements. We’ll tell you exactly what.
How long it takes
We’d rather be honest than impressive. Some lenders on our panel can decide within a day once they have what they need. Larger amounts, newer businesses and secured lending take longer, sometimes a few weeks. Your adviser will tell you what to expect for your situation on the first call, and the fastest route if timing matters.
Our promises
- We explain the total cost, the fees and any personal guarantee before you decide.
- You don’t pay anything to find out your options.
- We tell you how we’re paid, plainly, before you accept an offer.
- Your adviser looks after you from start to finish, so you always know who to speak to.
- We agree how and when we contact you. No call-centre chasing.
- If a route isn’t right for your business, we’ll say so.
Questions
The things people ask first.
Does it cost anything to use BrightSky?
Finding out your options is free. When you take funding from a lender we’ve introduced you to, the lender usually pays us a commission. If a fee were ever payable by you, we’d agree it with you in writing first. See how we’re paid for the detail.
How long does the whole process take?
It depends on the lender, the amount and how quickly your information is ready. Some lenders decide within a day; larger or more complex requests can take a few weeks. Your adviser will give you an honest estimate on the first call and keep you updated.
Will you search my credit file?
Talking to an adviser doesn’t involve a credit search. Lenders carry out their own checks when you apply; your adviser will tell you before anything is submitted.
Do I have to accept an offer?
No. You’re free to decline any offer, or all of them, at no cost.
Your next move starts with a clearer view.
Tell us what you need. We'll show you the routes that fit your business and help you take the next step.