Borrowers - how it works

Borrower Signup

Investor Signup

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To begin the process of becoming a borrower, you must first register to Huddle Capital.

Compliance checks

You can just sit back and relax while we complete all compliance AML and Credit checks.

Uploading your application

Once you have passed the regulatory checks you can now upload your application and supporting documents for review.

Underwriters approval

Your application will now be sent to our underwriters for approval. The decision process can take up to 2 weeks.  Underwriters will approve all loans that meet our criteria, any loans that do not meet these requirements can be sent to another underwriter to review. Throughout this process, Huddle may contact you for further information i.e. background information for your profile.

Once a decision has been made by the underwriters, your loan application will either be approved or rejected.

In the instance that the loan is rejected, it is not the end of the road, there is an opportunity for your details to be passed onto other partner firms, such as Access Finance.

Loan approval

Congratulations, your loan has been approved! It is at this stage that we will now agree pricing, terms and begin to develop a proposal and your loan will be published to the Huddle Capital site where investors can begin to buy loan parts.


Once your loan is fully funded, you can begin to drawdown the loan it is at this time that your weekly repayments are to be made with the agreed interest and principal.

Looking for more information?

Then head over to our FAQ page for a wide range of commonly asked questions.

Why Huddle


    • We believe in building longer term personal relationships / partnerships. We meet all borrowers face to face for that personal touch to really understand your business needs.
    • All decisions are made quickly and efficiently.
    • We provide creative bespoke solutions that will effectively fit your funding needs.

Register as a user and get going

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