The ArchOver Difference

At ArchOver, we want to listen and engage with you personally. We strive to understand who you are and stand beside you as you achieve your goals and grow your business.


No personal guarantees
No penalty for early repayment
Additional financing or refinancing is available


No hidden fees
Fixed term from 3 to 36 months
Fixed amount with no facility fluctuation


Flexible lending, as you grow
Straightforward monthly reporting
Building relationships, face-to-face

Lending Services

We provide funding for cross-sector UK SMEs using our five lending services. Loans are secured with an all-assets charge over a Borrower's business, and Borrower revenues flow through controlled bank accounts owned by ArchOver. Our specialist Credit Team performs detailed credit analysis on each loan before the Credit Committee approves the listing of the loan on the platform. Our Loan Managers monitor the business and its assets monthly, throughout the loan term.

* Rates are subject to change.

Loan Approval and Management

Our experienced Credit Team performs a detailed credit analysis before a loan is approved and our Loan Managers monitor the Borrowers’ business and assets each month throughout the loan term. Whilst we are managing the loan process in the background, we leave you to the day-to-day running and management of your business.

How ArchOver works

As a Borrower applying for our secured services, you are required to be a UK limited liability partnership or a limited company and must have a UK bank or building society account. You need to have been operating for 2 or more years, and be seeking a minimum loan of £250,000. You are also required to have a proven management team and business model. Your loan will be secured against your company's assets.

If you are applying for our "Advance" services, loans are available starting from £100,000 and are unsecured.


Loans are for any business purpose, typically raising working capital, replacing invoice discounting, factoring or bank overdrafts. The minimum borrowing level is £250,000. Borrowers pay a competitive rate per annum, a one-off marketing fee of 4.8% and the cost of insurance (Secured & Insured only). We always try to avoid third party legal fees by using simple, standard documentation. However, there are times when legal advice is required - the cost of which will be notified to you in advance and will be for your account.

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Frequently Asked Questions

Browse the most common questions about borrowing with ArchOver

View FAQs

Risk Warning

Lenders: Your capital is at risk and interest payments are not guaranteed if the borrower defaults. Historic loan default rates are not necessarily indicative of future default rates. Lending over the ArchOver platform is not covered by the Financial Services Compensation Scheme. The current average return is based on the total amount raised over the platform. It is the result of calculating the average Lender return, before tax, of every loan funded over the ArchOver platform. Borrowers: In the event of default, ArchOver will seek to recover assets to the full value of the loan. Understand more about: Detailed Risk Warning, Defaults, Recoveries & Losses, General FAQs .