Life can throw unexpected things your way. Events like illness, divorce, or business challenges can have a lasting impact on your finances, and we believe that should not be a permanent barrier to your future goals. We have respect for all financial journeys and approach every situation with understanding and discretion.

If you have had credit issues in the past, it is easy to feel stuck with no options. We are here to tell you that is simply not the case. There is always a second chance for those who want it.

We take a non-judgemental approach to finding solutions for a wide range of situations. Whether your credit history has minor blemishes or more significant issues, there is often a path forward. We can assist clients who have:

A history of missed or late payments.

Paid or unpaid defaults on their credit file.

Previously been in a Part IX debt agreement.

Been discharged from bankruptcy.

You do not need to feel embarrassed or ashamed. Our confidential process is a safe space to discuss your situation and find a solution.

Our goal is not just to find you a loan; it is to put you on the road to financial recovery. We see this type of lending as a strategic stepping stone.

1. The Stepping Stone Approach: We work with a panel of specialist lenders to find the most appropriate solution for your current circumstances. These lenders are not a long term solution; they are part of a process. The immediate goal is to get you the finance you need to move forward.

2. The Path Back to Mainstream Lending: Once your loan is established and you have a track record of good conduct, we will work with you on the long term goal: refinancing you to a mainstream lender with more competitive rates once your credit profile has improved.

3. Our Credit Repair Partners: To help you on your journey, we also work with a team of credit repair specialists. They can assess your situation and, where possible, assist in improving your credit report for a very reasonable price. This can be a vital step in your financial recovery.

Take the First Step Towards Your Second Chance

It starts with a simple, confidential conversation. Let's discuss your situation and explore the options available to you.