Straight answers. No credit
check to enquire. Real people.
A bank can only sell you its own products. We check a panel of UK lenders with one enquiry, tell you what each would cost in pounds, and let you pick.
One enquiry, a real shortlist, one person
- Honest matching
We rank lenders on cost, fit, speed and how likely they are to say yes. Never on what pays us most. The ranking is a starting point and we go through it with you.
- No search just to enquire
Enquiring involves no credit check at all. Applying to a lender is usually a soft search that only you can see, and the full search other lenders can see normally comes later, when you accept. It varies by lender, and we tell you which before anything is submitted.
- The same person throughout
Conor handles it from the first call to the money landing. You will not be passed around a call centre. Not a call centre, and not a different name every time you ring.
- Costs in pounds, not percentages
A monthly rate and an annual rate are not comparable by eye. We show you the monthly payment, the total and the interest for each option.
The person you will actually deal with
Us, next to a bank
A bank can only sell you a bank's products. We look across a panel, tell you who fits and why, and you deal with the same person the whole way through.
FlowzoBanksHow this actually goes
Nothing to dig out at the start, and nothing agreed until you say so.
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01 Enquire1 minute
A few straightforward questions. Nothing to dig out of the filing cabinet yet, and no credit check.
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02 Your optionsSame working day
See which lenders fit and what they cost. I call you to go through them and we agree which to put forward.
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03 FundingYour say-so
See the full terms first. Nothing is agreed until you accept, on the lender's own paperwork.
Things you can check, rather than take our word for
A new name on the internet should expect to be doubted. Everything below is on a public register, so you do not have to believe us.
And the things we are not claiming. Flowzo is new, so there is no review score here, no total lent and no count of years. When there is something real to show you it will appear, and until then an empty space is more honest than a number nobody can check. The track record that does exist belongs to CW Asset Finance, which is the same person and the same principal firm, arranging asset finance rather than cash flow.
Business finance explained, without the sales pitch
Conor on the Business Mutiny podcast with Jon Graves, going through how business finance actually works, where the costs hide, and what a broker is and is not useful for. It is an hour of someone else asking the awkward questions rather than us answering our own.
Nothing loads from YouTube until you press play.
Business Mutiny podcast · Jon Graves
Ask us anything about how we are paid before you enquire. We will answer it straight.
Get my optionsThe questions people actually ask
Are you whole of market?
No, and nobody should tell you they are. We are a credit broker working with a limited panel of UK lenders, not every lender in the country. The panel is named in our privacy policy so you can see exactly who we would approach.
Do you charge me anything?
No. No fee to enquire, no fee if we place your case, and no fee if we cannot help. The lender pays us a commission on completion.
Is Flowzo regulated?
Flowzo is a trading name of Conor William Hull, an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority. The reference numbers are in the footer of every page. Not every product we broker is regulated by the FCA, and we will tell you which yours is.
Do you advise me which to take?
We present the options, explain how each works and what it is likely to cost, and say which we think fits best. The decision is yours. We do not give tax, accounting or legal advice, so if your decision turns on any of those, speak to your accountant first.
What if you cannot help?
We will tell you straight away rather than string you along, and where we can we will point you somewhere that can. If you need vans or machinery rather than cash flow, that is asset finance and our sister company CW Asset Finance arranges it.
Who can borrow through you?
Our cash flow panel lends to limited companies and LLPs. Farms are different: through Farmzo we can place sole traders, partnerships and tenant farmers too.
See where you stand
About a minute, no credit check, and no commitment until you say so.
Get my options