UK businesses are sitting on an estimated £5–11 billion in recoverable refunds — from mis-sold energy contracts, undisclosed broker commissions on loans and asset finance, and claims that survive IVA and insolvency. Most firms never know. We find it, chase it, and get it back.
Pick the closest match. Most clients qualify on more than one — we'll flag them.
Recoverable from UK SME energy broker uplifts — the doctrine runs back to 2007
Hidden commission pool on business loans, asset finance and mortgages
Of SMEs know these claims exist — the awareness gap is the opportunity
One intake, three separate recovery tracks — and you may qualify on more than one.
Broker uplifts hidden in your unit rate. Rollover and evergreen contracts. Undisclosed commissions that survive Expert Tooling v Engie.
Undisclosed commissions on loans, equipment finance, invoice finance, commercial mortgages and merchant cash advances — the Johnson line applied to business lending.
Claims survive an IVA or bankruptcy. The commission that drove you into distress is often recoverable — and in some cases ring-fenced from the supervisor.
If we confirm your business has a recoverable claim, you have a choice: wait for the settlement — or access capital against it today. No new debt. No personal guarantees. No equity given up. It’s your own money, earlier.
Nothing to repay. No covenants. No PGs. It’s the sale of a receivable, not the creation of debt.
No cap-table change. No board seats. No drag-rights or ratchets. 100% ownership intact.
Faster than any bank committee, quieter than any raise. From signed docs to funds cleared.
Broker commissions on energy. Undisclosed uplifts on asset finance. Called PGs sitting on top of unfair facilities. SIP 2 requires you to investigate estate assets — commission claims are a recognised chose in action. If they exist, they vest in the estate and belong to creditors.
refunds.energy already works with IP firms across the UK. One LOA from the office-holder, a full commission audit of every facility in the file, no upfront cost, proceeds paid to the estate. A named partner contact per firm.
Energy, asset finance, invoice finance, commercial mortgages, loans, called PGs. Commission sits in all of them. Most IPs never audit.
Audit report evidences SIP 2 investigation whether claims exist or not. Fee language drops into SIP 9 reporting. No rework on your file.
Documents pulled under DSAR by us, claim raised by us, recovery paid to the estate account. One LOA, one named contact, one stated fee on success.
Inertia isn't laziness. It's a rational response to a stacked information environment. We've met the three reasons head-on.
Fewer than 15% of UK SMEs know that undisclosed broker commissions on energy or finance are recoverable. The doctrine goes back to Hurstanger (2007). Your accountant probably hasn’t mentioned it because it isn’t their lane.
Free 60-second check — no documents — tells you if you’re in scope.
You claim against the broker’s commission or the supplier’s unfair uplift — not against the facility you rely on. In the vast majority of cases your incumbent relationship is untouched, and in many, the supplier settles quietly.
We handle every contact. Your relationship managers never hear from us unless you say so.
You don’t need them. We obtain energy contracts and finance documents under data subject access requests, and chase the rest. Your time commitment from start to settlement is typically under 90 minutes, spread over months.
Under 90 minutes of your time. From first call to settlement.
All three land on the same case file with the same named caseworker. No re-explaining. Rotates every seven seconds — hover to pause.
A direct, structured qualifying call. Specific questions about your contract and broker — and you leave with an indicative recovery range before you hang up.
Open booking tabAnonymised at client request; figures are post-fee net recoveries.
“Nobody told us the broker took a cut. It was 1.1p on every kWh for three years.”
“We'd been through a CVA. We assumed that killed the claim. It didn't.”
“Two loans and an invoice finance facility. All three had commissions we weren't told about.”
No retainer. No hourly fees. No hidden disbursements. You only pay us if you receive money back — and the fee is stated in plain figures before you sign anything. If we don't recover, you owe nothing.
We don't handle personal claims in-house. But if you think you have one, we'll pass you to a regulated solicitor on our panel — free of charge, no referral fee to you.
refunds.energy originates commercial (B2B) claims. UK claims management of business-to-business commercial contracts is outside the FCA claims management perimeter, so FCA authorisation is not required for the B2B lane. Personal claims (credit card, PPI, motor finance) are referred to a regulated solicitor panel — we do not conduct regulated claims-management activity in that lane.
If you're not in scope, we'll tell you in the next email. If you are, we'll tell you roughly how much and what happens next.