What does the Key Information Sheet (KIS) cover?

The Key Information Sheet (KIS) is a short summary of your loan that we give you before anything is signed. This is business lending to a limited company, so it is not a regulated consumer document — but we use a clear, one-page summary anyway, because you should be able to see the whole deal at a glance.

What it covers

• Who the lender is and how to reach us.
• The amount the company would borrow and the term.
• The total amount payable and the total cost of the credit.
• The fees that apply and when.
• The repayment schedule.
• The 14-day withdrawal period we offer as a matter of policy, beginning the day after the agreement is signed.
• The right to settle early.
• What happens if a payment is missed.
• How to complain and where to find free, independent business debt advice.

What it does not replace

The KIS is a summary. The full terms are in the Business Loan Agreement itself, which you also see before signing. The two documents say the same things; the KIS sets them out in plain English on one page, the agreement sets them out in full.

You can download the KIS as a PDF and keep it. If you would like to talk it through before signing, please contact us — we are happy to do that on the phone or by email.