Frequently Asked Questions

Do I need to be FCA regulated to introduce finance?

No. As a Money Sense partner, you don’t need your own FCA licence. We work under Ideal4Finance, who are authorised and regulated by the Financial Conduct Authority (FRN 703401).

How do I introduce finance options to my customers?

We’ll set you up with a simple system. You add your unique finance link to quotes or sales, your customer applies online, and you’re paid in full within days.

When should I mention finance — at quote stage or later?

Most businesses find the best time is at the quote stage. This way, customers can check eligibility while you’re still with them, and price is less likely to become a deal-breaker

When will I receive payment?

In most cases, you’ll be paid within 2–4 working days once a customer’s application has been approved. Even though the customer repays monthly, you still receive your money upfront, giving you reliable cashflow.

Can I use this for my own business?

Yes. Alongside customer finance, there are commercial finance options available for business needs — from tools and vans to larger investments. Ask us for details if this could help your business.

Does it cost me anything?

Yes — there’s a small monthly fee to manage the facility. The exact cost varies depending on your business size and setup. Many trades find it’s outweighed by the benefit of securing bigger orders and more confirmed sales.

How do I share finance with my customers?

You can send your unique finance link by text, email, or WhatsApp — or point them to the Finance page on your website or Facebook.

Do I need to prove the job is complete before I get paid?

No. Once a customer’s application is approved, you’re normally paid in full upfront. The repayment agreement is between your customer and the finance provider.

Can finance work for smaller jobs too?

Yes. It isn’t only for kitchens or solar systems — you can introduce finance on anything from a sofa to a boiler, as well as bigger projects.

What are the benefits of offering finance?

✔ Secure jobs you might otherwise lose on price
✔ Customers can choose bigger projects and add extras
✔ Fast, reliable cashflow — paid in days
✔ Compete more easily with big brands

Am I at risk if a customer doesn’t pay?

No. Once you’ve been paid in full through Ideal4Finance, the finance provider takes on the risk. You don’t chase payments or carry any debt.

Do my customers need a credit check?

Yes. All applications are subject to status and affordability checks. These are handled directly by Ideal4Finance’s panel of FCA-regulated lenders through a quick and simple online process.

What happens if my customer is accepted?

You’ll be notified, and Ideal4Finance arrange payment directly to you through their panel of lenders. In most cases, funds are received within 2–4 working days.

What if my customer is refused?

You don’t lose out — if a customer isn’t approved for finance, they can still pay you in the usual way, and you can continue with the quote as normal.

What if I don’t have a website?

No problem. Money Sense can host a page in your business name and provide you with a QR code or link to share with customers.

Is offering finance complicated?

No. The setup is handled once, and after that you can use your finance link on every quote or sale. It’s designed to be simple and straightforward for both you and your customers.

Does offering finance put my money at risk?

No. Once you’ve been paid in full, your money is protected. The repayment agreement is between your customer and the finance provider — you don’t carry the risk if payments are missed.

Here’s how it works, start to finish:

So to sum up: 

  • You don’t need any licence — that’s all covered.

  • We set you up with your own link (or page + QR code if you’ve no website).

  • When you’re quoting, you tell the customer “we do finance, you can check while I’m here.”

  • They click your link, apply online, and get a quick yes or no.

  • If it’s a yes → you’re paid in full within a few days.

  • If it’s a no → nothing lost, you can still do the job as normal.

  • You don’t have to prove the job’s done — the money comes upfront.

  • Customers pay the lender back monthly, not you.

  • There’s a small fee, but most trades make more back in bigger jobs and jobs won that would’ve walked away.

  • End result: fewer lost quotes, bigger orders, cash in the bank faster.