FREQUENTLY ASKED QUESTIONS
What FSB Members ask us about

FSB Finance is staffed with impartial finance experts that speak your language and are always on hand to walk you through the providers and products on our platform.. Learn about the pro's and con's of each option before proceeding. Decide without any pressure, safe in the knowledge you got the best funding solution for your business.

For our answers to frequently asked questions from FSB members, please view the sections below.

General questions
How do you handle client monies?

We are a “neutral “ platform, and as such do not hold monies on behalf of any party. Our role is to help our clients, FSB members that are looking for finance, to find suitable finance providers (you can view our list of lenders here).

Is my data secure on the FSB Funding Platform?

We take data protection very seriously. Starting with the IT systems we use, all the way through our business we take care to protect your data in a responsible way through proportionate policies and measures.

Our platform is hosted in a secure cloud environment with a widely recognised provider that is certified under ISO 27001. On that basis we are able to maintain high data security standards to protect your business and personal data from unauthorised access. While your data is in transit between your device and our data centre provider, we use encrypted data transmission in accordance with the Advanced Encryption Standard 256 (AES 256).

We do not sell or rent your data to third parties. Your business and personal data is only ever shared in accordance with our Terms of Use and Data Protection notices, which we encourage you to review in the first instance for any questions you might have about the way we collect, process and use personal data.

By using the FSB Funding Platform, you agree to be bound by our Terms of Use.

What if I have a Complaint?

Our aim is to provide you with a professional and confidential service that delivers the highest possible standards. However, there may be occasions where you feel this has not been achieved. Should you wish to make a complaint about any aspect of the service we provide to you, you can do this by writing to support@fsbFundingPlatform.co.uk or by calling us on 020 30962259 where we will try to resolve your concern at the earliest time possible.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available here and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
What types of FSB members can use the FSB Funding Platform?

Any UK-based FSB member is welcome to post their finance requirements anonymously on our platform; this includes Sole Traders, Partnerships, Limited and Public companies.

A full list of the types of legal structures that are available in the UK along with information about each structure is available on www.gov.uk

Where a user acts as advisor to an organisation with a view to arrange finance, we reserve the right to request evidence from the user about their credit broking permission or evidence about being exempt from FCA regulation.

Will I be charged for using the FSB Funding Platform?

We have a clear, easy-to-follow fee structure. The use of the platform is free of charge for FSB members and any professional advisors. What's more, by sourcing your business finance via the platform, you will even get money back!

The platform is also free of charge to lenders. Only upon successful completion of a transaction will we get paid by our funding partner. Thanks to our online-centric operating model, our fees are well below market average. The exact fee we make is dependant on the type of finance product (debt or equity) and the term of the arrangement. Our fees range from 2% to 5% of the total amount funded, full details are available in our Terms of Use.

FSB Members applying for funding
Do I have to search for lenders on FSB Funding Platform?

No. With us, they find you! Like a dating platform, FSB members with funding requirements are matched with lenders. At first, lenders see all the submitted financing projects anonymised and filtered according to their individual criteria. They then indicate interest in suitable financing projects. All the data is disclosed after accepting a non-disclosure agreement (NDA). The two parties are then in direct contact and can negotiate directly.
Does FSB Funding Platform offer finance itself?

No – the FSB Funding Platform itself does not underwrite any transactions or lend any money.

FSB Funding Platform is a trading style of Finpoint Limited who provide an intermediary service that matches SMEs funding criteria with lenders online. This process saves FSB members time by sourcing competitive debt and equity finance solutions in minutes.

How can I invite my advisor to join my financing project?

You can send an email within the platform to your accountant or any other type of advisor. The email is sent by Finpoint, the operator of the FSB Funding Platform.

Once your advisor receives the email from Finpoint, they are directed to register online and are then able to see the data you have entered. After successful registration, advisors have access to your project data and can create, edit and publish.

How do you handle client monies?
We are a “neutral “ platform, and as such do not hold monies on behalf of any party. Our role is to help our clients, FSB members that are looking for finance, to find suitable finance providers (you can view our list of lenders here).
Is FSB Funding Platform another ‘peer-to-peer’ or ‘crowd-funding’ platform?

No, we do not lend money ourselves. We work as 'aggregator' of banks and alternative business funding providers. As such, we do not fund projects but instead work to understand your requirements and to best match these with the most relevant funding options available for each FSB member.

Our online platform helps you to create a finance project in minutes. It is free to use the platform, and if you follow the guidance we provide you increase your chances of getting funding.  This is because the platform contains our knowledge of what type of data our lenders need to make a quick in-principle decision.

Lastly, it is worth pointing out that our platform anonymises all your data until you allow a lender access to your details. This additional protection, before a funder can contact you directly or see your financing project in full, is our way to ensure you are in control of the process and have a clear understanding of the data you need to provide to funders.

What happens to the data I give you?

Your data is only ever stored centrally on the FSB Funding Platform and processed in accordance with our Terms of Use and Data Protection notice. Our overriding principle to handling your data is to respect anonymity, with maximum data security and data storage.

The operator of the FSB Funding Platform is Finpoint Limited, a UK-based firm that is accredited by the Financial Conduct Authority (FCA firm reference number (FRN) 727163) and the Information Commissioniers Office (ICO registration number ZA111677).

What is the average financing amount FSB members ask for?

Since any type and size of business can post a finance request on the FSB Funding Platform, we see a wide variety of amounts being requested which makes it difficult to give out meaningful data about ‘averages’.

Also, since each FSB member is unique, we are conscious of not wanting to discourage FSB members from posting their own specific finance requirements. To get help from our finance experts on how to apply, please visit the contact page.

What types of FSB members can use the FSB Funding Platform?

Any UK-based FSB member is welcome to post their finance requirements anonymously on our platform; this includes Sole Traders, Partnerships, Limited and Public companies. A full list of the types of legal structures that are available in the UK along with information about each structure is available on www.gov.uk

Where a user acts as advisor to an organisation with a view to arrange finance, we reserve the right to request evidence from the user about their credit broking permission or evidence about being exempt from FCA regulation.

Questions from Advisors
One of my clients invited me to his finance project. What shall I do?

Usually, accountants or advisors are invited by FSB members to financing projects for their respective expertise. This is done by means of an email sent to you from within the platform. Once validated, Advisors have access to your client’s project or financing data and can restructure, modify or publish it.

If you are already registered with Finpoint, the FSB Funding Platform will recognise you and you can just log in.
Can I add my client’s finance projects on FSB Funding Platform?


Yes, once you have an account all you need to do is to create a new funding project and confirm that you are authorised by the FSB member to act on their behalf and that you understand your responsibilities for the data you enter.

How many clients can I manage on the FSB Funding Platform?


From just one Advisor account you can help any number of FSB member clients to clearly, professionally and attractively present their funding requirements.

What regulation applies to Advisors using the FSB Funding Platform?


It is the responsibility of the advisor user to ensure they hold suitable permissions for their own commercial activities and to advise FSB Funding Platform when such a permission ceases to be valid. To notify us of a change in your regulatory status, please use our contact page.


Registering on the FSB Funding Platform as advisor or using the platform as advisor does not extend the FCA permission of Finpoint Limited (the operator of FSB Funding Platform) to any advisor users.


Where a user acts as advisor to an organisation with a view to arrange finance, we reserve the right to request evidence from the user about their credit broking permission or evidence about being exempt from FCA regulation.

For information about the FCA and the relevant regulation for credit broking, please visit https://www.fca.org.uk/firms/credit-broking-rules

Questions from Funders
Can companies see me listed as a lender?

At first, companies can only see and edit their own profile. They cannot see other companies or lenders. However, when you indicate interest in a finance project, the company receives an alert with the name of your financial institution.
Can I give colleagues access to my projects?

Yes, the FSB Funding Platform lets you invite colleagues. Once they register, they are automatically assigned to your financial institution and can collaborate with you on finance projects.
Does FSB Funding Platform accept liability for incorrect or incomplete company data?

No. Each FSB member is responsible for its finance project and the data contained in it as stipulated in our Terms of Use. FSB Funding Platform, and Finpoint Limited as the operator, reserve their right to suspend user accounts or finance projects permanently if we become aware of a breach of our Terms of Use. Alternatively, we may need to suspend access for selected users on a temporary basis to investigate suspicious activity that may compromise the reputation, stability or security of the platform.
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Not only will you find a solution to your funding needs, you will even get money back. It really pays to be an FSB member!

Finpoint Limited
162-168 Regent Street
London, W1B 5TD
United Kingdom

This website is operated by Finpoint Limited on behalf of National Federation of Self Employed & Small Businesses Limited. Finpoint is a Credit Broker sourcing from the whole of the market, not a Lender. Authorised and Regulated by the Financial Conduct Authority (FCA) under reference number (FRN) 727163. If you feel you may have a complaint, please visit www.finpoint.co.uk/FAQs and read the post: ‘What if I have a complaint?

© 2017 FSB Funding Platform, a trading style of Finpoint Limited. All rights reserved, please do not copy material from this website without consent.