Borrower FAQs

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Frequently asked questions

if you cant find the answer to your question below then please contact us by email or phone 0203 021 8100.

  • Borrower FAQ's

    • It depends on the loan service that you are seeking. For Secured & Assigned your business must be profitable. For our Secured & Insured service, we will lend to companies that are not currently profitable so long as they can demonstrate a clear route to profitability in the near future

    • The majority of our loans are interest only with bullet repayment at the end of the term. The monthly and final payments are collected via the loan direct debit set up at the start of your facility

    • No. The crowd that lend to your company remain anonymous throughout the term of the loan

    • Your company details will be made public on the secure ArchOver platform. Only registered lenders will have access to details of your loan. Most borrowers engage with other registered user marketing (email) to help their projects quickly fund

    • ArchOver is part of the Hampden Group. The directors are also shareholders within ArchOver

    • Secured & Insured: where we lend against the value of a company’s accounts receivable. Secured & Assigned: where we lend against contracted recurring revenue. Further details can be found at https://www.archover.com/borrow/ Please feel free to contact us on 0203 021 8100

    • We like to facilitate lending to companies where there is a wide spread of customers using their products/services.  However, we will consider Borrowers with tight concentrations if our credit team can get comfortable with the overall business

    • We charge a one-off marketing fee for facilitating the raising of funds. Thereafter, only interest is payable and there are no early repayment fees. To discuss the rates further please call us on 0203 021 8100

    • Yes you can pay early with no repayment charges

    • We facilitate lending from £250,000 upwards

    • Yes. To find out more please contact us on 0203 021 8100

    • We have managed to negotiate a 70% discount over typical Whole of Turnover insurance policies. This credit insurance is available through either our nominated broker or you can arrange/use your own policy. Typically, premiums are paid over 10 months

    • Yes. All payments made by Borrowers are collected by direct debit

    • Our crowd of institutional and individual lenders, lending on the same terms

    • We are happy to look at all businesses though our appetite for certain sectors will fluctuate depending on our current exposure

    • We will look at distressed businesses on a case by case basis

    • ArchOver lends to a business based on its ability to repay interest and the capital. We monitor this monthly. We do not believe that PG’s are an effective form of security

    • No. We also lend against contracted recurring revenues

  • Introducer FAQ's

    • We generate loans directly, through our network of introducers and various other marketing campaigns

    • No. Any commission paid by ArchOver will remain anonymous

    • On drawdown of the loan

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We’re a premier crowdlending platform that brings together established businesses looking to raise money, with people and other investors who want to lend. We help you to cut the costs.