Deals by email
The no-build lane: what the referral email carries, what changes once statements arrive, and how you answer.
Most funders on the panel take deals by email, and it is a first-class lane rather than a fallback. Nothing is built, nothing is hosted, and a deal can start reaching you the day the agreement is signed.
What arrives
One email per deal, from our operations address, with a reference in the subject. Replying reaches our operations team and never the client. The body is a structured sheet rather than prose:
ContactName, email, phone, and the brand the client applied through.alwaysBusinessRegistered name, company number, legal form, industry, country, incorporation date and status. Read from the register where that market answers, and the sheet says which.alwaysDirectorName as it appears on the officer list, date of birth, residential address and status, where the flow collected them.can be nullFunding requestAmount, purpose, suitable product families, time in business, turnover or monthly revenue, and any security offered.alwaysRegister factsLatest filed accounts with net assets and cash, registered charges, insolvency history and filing punctuality, where the register publishes them.can be nullProperty dealsSite, borrower or special purpose vehicle, current value, cost of works, gross development value and requested loan to value, on a bridge or a development.can be nullConsentWhen the client agreed and to what text.alwaysStatementsAttached to the email once the client has uploaded them.after documentsBefore statements, and after
This is the part worth reading twice. A deal reaches you at two moments and they carry different things.
| The referral email | Once statements are in | |
|---|---|---|
| When | Minutes after the client submits | Whenever the client uploads, often the same day |
| Company identity | From the register where that market answers, otherwise as stated by the applicant | Unchanged |
| Figures | What the client stated, as a band or an exact figure | Average monthly inflow and outflow read from the statements, with the months they cover |
| Bank statements | Marked as not uploaded yet, with a line saying we are chasing them | Attached to the same thread, and as secure links |
| What we ask of you | Contact the client, or tell us it is a no | Your terms |
When the client already uploaded before the deal was routed, both moments collapse into one email with the files attached. Otherwise the statements land on the same conversation automatically, so the thread stays the deal.
How much of it is verified
Not every market has a register we can read, so the sheet never implies more certainty than it has. Where a register answered, the company line carries the registered name and number as the register holds them. Where it did not, the same line carries what the applicant typed, and the sheet marks it as unverified rather than dressing it up.
The United States is the clearest case: some states publish a register we read, others sell it or publish nothing at all, so two American deals can arrive with different levels of certainty. The per-market pages say exactly what each market answers, and for the United States they break it down by state.
How you answer
Reply to the email. One word is enough: received, in review, declined with a short reason, or funded with the amount. Your terms or a question work the same way. Everything is recorded against the reference automatically, and the client never sees the thread.
If your operations team would rather not write emails at all, a private inbound link reports the same statuses from your own system with a single call and nothing to authenticate. It is the same pipeline, so history stays in one place and you can move to it later without losing anything.
When to move on
Email costs nothing to start and pays for itself while volume is small. It is worth moving to push delivery when you want the deal in your own system the second it is routed, when a person retyping the sheet becomes the slow step, or when you want to return an indicative figure quickly enough to be first in the comparison.