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BrightSky

Transparency

How we’re paid, in plain English.

You should know how a broker earns its money before you rely on its help. Here’s exactly how it works at BrightSky.

Last updated 5 November 2026

We’re a broker, not a lender

BrightSky is a commercial finance broker. We introduce businesses to lenders, help them understand their options and support them through an application. We don’t lend money ourselves, and we don’t decide whether a lender will offer you funding.

Who pays us

It costs you nothing to find out your options. When you take funding from a lender we’ve introduced you to, the lender usually pays us a commission. We’re not paid if you don’t go ahead.

If a fee were ever payable by you directly, for example for a particularly complex arrangement, we would explain it and agree it with you in writing before any work starts. We never ask for money up front to look at your options.

How commission works

  • Commission is usually a percentage of the amount you borrow, and sometimes a fixed fee.
  • The amount varies between lenders and between products, so we may earn more from some lenders than others.
  • Commission is part of the lender’s costs. With some lenders, the broker can influence the rate within a range, and a higher rate can mean higher commission. This means commission can affect the amount you pay.

How we keep it fair

  • We recommend lenders based on what suits your business, not on what we’re paid.
  • We show you the total repayable, fees and any guarantee for every offer, so you can compare like with like.
  • Ask us, and we’ll tell you the commission we would receive on an offer before you accept it.
  • You’re free to decline any offer, or all of them, at no cost.

Our status

BrightSky is the trading name of Wallace Business Services Ltd, a company registered in England and Wales (number 17562930). We are not authorised or regulated by the Financial Conduct Authority. Most of the finance we arrange is for limited companies and limited liability partnerships. Lending to these businesses is generally not regulated by the Financial Conduct Authority, which means some protections that apply to personal borrowing don’t apply.

Some agreements for sole traders and small partnerships are regulated. Because we aren’t authorised by the Financial Conduct Authority, we can’t arrange those. If your enquiry may fall into that category, we’ll tell you before taking it further.

Questions

If anything here isn’t clear, ask your adviser or email hello@brightskyfunding.com. If you’re unhappy with our service, see our complaints procedure.