Separate sole-trader route
Check what a sole-trader finance route would need.
A sole trader is the individual borrower, not a company registered at Companies House. That changes the regulatory and personal-data checks. This page is a non-transmitting readiness review—not an application, an invitation to apply or a live enquiry.
Why the process is different
Business-purpose questions come before contact details.
The FCA explains that credit broking can include introducing an individual to a lender or another broker, and can cover some business agreements that are otherwise exempt. Bene Finance therefore cannot switch on a sole-trader submission route until its own status and the recipient route have been confirmed.
No live submission yetThe questions below stay in this page. They are not sent to Bene Finance, a broker or a lender, and they do not produce an eligibility decision.
- Applicant must be aged 18 or over
- No Companies House number
- No UTR or National Insurance number
- No bank or identity documents
- VAT registration is optional—not proof of legitimacy
Official basis
Why this route remains held.
These sources explain the regulatory and verification limits used to design the readiness questions.
FCA — Understanding consumer-credit permissionsCredit broking can include introductions to brokers and some exempt business agreements.FCA — Regulatory guide for credit brokersAuthorisation, appointed-representative and introducer boundaries.FCA — Mortgage perimeter guidanceA sole-trader loan secured on a home or dwelling can be a regulated mortgage contract even where the loan supports a business.HMRC — Find a UTRA UTR is a personal tax reference; Bene Finance does not request it here.HMRC — Check a UK VAT numberUseful only where a business is VAT registered; not an identity or finance-eligibility check.