100% Free
Initial Audit
Fast Review
Completed In Days - Not Months
Specialist Solicitors
Expert Legal Partners
Thorough Audit
Every Charge Reviewed
Who We Help
Does any of this sound familiar?
Many business owners suspect something isn't right with their finance charges — but don't know where to start. We do.
Complex?
Loan agreements you never fully understood.
Commercial finance can involve complicated fee structures and interest calculations. If your agreement was difficult to follow, errors are more likely — and harder to spot.
Expensive?
Charges that seemed higher than expected.
If the amounts being debited from your account have ever surprised you or felt inconsistent with what you agreed to pay, you may have been overcharged.
Poorly structured?
Agreements which are incomplete or incorrectly structured.
Commercial finance agreements are not regulated by the FCA, and so do not have to follow a set statutory structure - This means that the fees and costs being charged are not allowable.
How it works
Simple, straightforward, and entirely risk-free
From your first call to a successful recovery, we handle everything. You focus on running your business.
1
Free Consultation
Tell us about your finance agreement. We'll ask a few simple questions to understand your situation.
2
Document Review
Our specialists conduct a thorough audit of every charge, fee, and interest calculation in your agreement.
3
Expert Assessment
We identify any discrepancies between what was charged versus what was permitted.
4
Recovery Action
If discrepancies are found, our solicitor partners pursue your recovery — no legal fees until your claim is settled.
Frequently asked questions
Clear answers to help you understand your position and your options
We understand that commercial finance can be complicated, especially if something doesn’t feel quite right. Whether you’re unsure about the terms you were given, concerned something may have been misrepresented, or simply want clarity on where you stand, these answers are designed to guide you through the key points and next steps.
- Commercial finance is a lending facility provided to UK limited companies — not individuals or sole traders. It can take many different forms, including term loans, bridging loans, development finance, commercial mortgages, asset finance, invoice discounting, and lease agreements. In short, it covers most types of borrowing a limited company might use to fund its operations or growth.
- Unlike consumer finance, commercial lending is largely unregulated by the FCA - so the protections that individual borrowers enjoy do not apply to limited companies. This leaves businesses exposed to errors and overcharging with no formal recourse through a regulator. Our audit service exists to identify exactly these kinds of issues and, where they are found, to help businesses recover what they are owed.
- Nothing upfront — and nothing at all if no settlement is achieved. Our solicitor partners are specialists in commercial finance disputes and work on the basis that their fee is deducted only from any settlement recovered on your behalf. There are no upfront costs and no risk of paying for a case that doesn't succeed.
- You may have felt your finance was conducted smoothly and cost exactly what it should have — or you may have felt it was expensive and difficult to manage. Either way, a free audit costs you nothing and could reveal discrepancies you weren't aware of. If we find a potential claim, we'll explain the possible next steps, and there's no obligation to proceed.
- We can audit a broad range of commercial finance products, including short-term development loans, long-term commercial mortgages, invoice discounting/factoring, asset finance and lease arrangements. If your limited company has entered into a finance agreement with a commercial lender and you have concerns about how charges have been applied, it's worth getting in touch.
- Initially we need minimal information that you should have readily available. Once a preliminary audit of this information has been completed we will ask for anything else we may need.
- The initial audit is completed promptly and we'll share our findings as quickly as possible. Where a case proceeds to legal recovery, our solicitor partners will keep you updated at every stage. Straightforward cases can resolve in a matter of months; more complex disputes may take longer.
- We don't contact your lender at any stage of the audit — the work is done entirely from your own documents. A lender only becomes aware a claim is being pursued if you decide to take it forward, and then only when our partner solicitor first writes to them on your behalf. If the agreement has already been repaid, there's no ongoing relationship to affect. A lender is never obliged to lend to you again in any case — like any business, it's free to decide who it lends to and can decline without giving a reason, claim or no claim. If the finance is still in place — a longer-term mortgage, say — the lender remains bound by that agreement and can only call it in or change it in the limited circumstances the agreement sets out, such as missed payments. A query about past charges isn't normally one of them, but it's always worth checking your own terms.
- Yes. Whether you'd like to refinance an existing agreement or you're looking for new commercial finance, we can introduce you to Cotswold & Country, the commercial finance broker we work with. They'll look at your requirements and the options available to you, with no obligation to proceed.
About Us
On Your Side, From Day One
The Loan Checker was founded with a single purpose: to give businesses the same financial protection that consumers take for granted. Commercial finance operates largely outside FCA regulation — meaning lenders face fewer checks, and errors often go unnoticed.
We bridge that gap. Our team of finance specialists understands every nuance of commercial lending — from asset finance to complex bridging loans — and we work exclusively on your behalf.
We're not a law firm, and we're not affiliated with any lender. We're independent specialists whose only interest is ensuring you've been treated fairly.
We are 100% independent from any lenders - we identify regulatory gaps regardless of the lender.
100% Independent
No Lender Affiliation
We never share details of your finance with anyone other than our partners, and only with your authority.
Fully Confidential
Your Data, Protected Always
Our solicitors work with you to secure a settlement. Fees are only deducted from successful claims.
No Upfront Cost
Zero Cost, unless we succeed
Our legal partners provide specialist knowledge and expertise to give you the best chance of a successful claim.
Expert Solicitors
Specialist Legal Partners
If you've ever questioned a charge on your commercial finance, the answer is probably worth finding.
T
Talk - Tell us the details of the commercial finance your business has utilised.
R
Reveal - Tell us about any of the challenges you faced with the finance - Poor management by the lender, costs higher than expected etc.
U
Understand - Through an extensive audit, we will understand exactly what was charged, and what should have been charged.
S
Summarise - The Audit will enable us to summarise anything significant in the finance, both good and bad.
T
Take Action - If an audit identifies anything significant with regards to the cost of the loan, our solicitors will pursue a claim on your behalf.
Meet Our Team
Michael May
Michael brings together three disciplines that rarely sit in one person: accountancy, banking, and software development. He trained as an accountant, moved into software and analytical development in 2002, and spent 2007 to 2015 at a major High St bank. Since 2015 he has run his own software development agency.
Each of those matters here. The accountancy grounding to follow the financial detail. Time inside a major bank — long enough to see that even the largest institutions run on fragmented systems that don't always talk to each other. And the modelling expertise to take a loan apart and rebuild it from its own terms. Where others might suspect an error, Michael can show one.
The Loan Checker came out of that work. Applying the same modelling to commercial lending agreements, he found what the wider market had overlooked: consumer finance was crowded with firms chasing mis-sold mortgages and loans, while bridging, development and asset finance had gone almost untouched. An earlier venture taught him the rest — that finding a problem is the easy part, and proving it is the work.
Fittingly, one of the first case that started it all belonged to a fellow business owner. Rob, now Michael's co-director, had a commercial loan that — once audited — showed exactly the kind of discrepancy TLC exists to find.
Rob Lindsay
Rob is a property developer. He has run schemes end to end — acquisition, funding, build, sale — from period restoration through to phased new-build and has been hands-on at every stage.
That means he has sat on the borrower's side of the table more times than most. Development finance is a service the industry can't do without. It is also a service that too frequently gets the basics wrong. Rob has seen it at its best and at its worst, and enough in between to know the difference. He has also paid for it.
Which is how his own loan came to be audited. The facility was the kind every developer takes. Finance was one of the biggest costs on the scheme — it always is — and it came in heavier than he'd hoped, and heavier than it felt like it should be. Not by enough to point at. Enough that it stayed with him.
He had no way of showing why, so he did what developers do. He accepted it, and moved on to the next project. Reconstructed line by line, the agreement showed exactly why. The instinct had been right all along; what he'd never had was the means to prove it. And if a developer of his experience couldn't, most can't.
That audit is why Rob co-founded The Loan Checker with Michael May. Michael brings the analysis. Rob brings the experience of a developer. He knows how many are still accepting it and moving on to the next project.
Our partners
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Find out what you're owed - for free
It costs nothing to find out whether you've been overcharged. Most reviews are completed within a few days, and you'll receive a clear, plain-English summary of our findings.
Completely Free Audit- no payment, no obligation
No upfront costs - legal fees deducted from settlement only
Expert specialists - industry and legal expertise
Strictly confidential - we only share your details with your authority
Prefer to talk? - call us free on 0800 772 0156