A heap.

We'd like to think it's a friendlier and much quicker service. Like you, we want to spend our time doing business so you won't wait 6 weeks for your loan to be approved (or denied) at Fico Finance. In fact, once we have your completed application form and documents we can approve your loan within minutes and (in the majority of cases) have the money in your bank within 24 hours.

At Fico you always deal with the decision maker, this means we can consider your business loan application and circumstances very carefully throughout the application process. And because we are a business run by business people, and not a bank run by bankers we specialise in listening to what our clients are actually saying and how this works in the 'real' business world.

We also think it makes good business to reward those wanting to repay business loans ahead of time, so there's no charges if you make a lump sum payment.

Another difference is our mission to keep paperwork and documentation down to the smallest, legal amount. We also endeavour to create forms that are easy to follow and fill out.

When things change (as they constantly do in business) we are always here to talk to if needed, and unlike some others we will actually listen.

Because it makes good business sense.

The more information we can get from you, the better our understanding - the better our understanding, the more tailored and suitable our Business Loan will be.

Let’s be up front, there are a multitude of reasons why your business may need cash right now. So we want as much detail as possible to gain insight into your current situation and all the circumstances that effect the overall business, it's performance and operation.

We also believe open and honest communication is the best way to start a solid, business relationship that works for everyone involved.

Yes.

We are in the lending business (not the 'gifting') so we require you to be able to make the repayments.

The principals of the business cannot be an undischarged bankrupt.