The commission your broker took — and didn’t tell you about.
Johnson v FirstRand redrew the line on half-secret commissions in 2024. The Supreme Court refined it in 2025, but left the door wide open for unfair-relationship and equitable bribery claims. Most UK business finance brokers took a commission that was never properly disclosed. It’s often recoverable — on loans, asset finance, mortgages and more.
What do you want to check?
Pick the closest match. Most clients qualify on more than one — we'll flag them.
The specific things we go after on your behalf.
Business loans
Term loans, unsecured loans, government-backed loans where a broker or packager took a cut the lender paid and you weren't told the amount.
Asset & equipment finance
HP, finance lease, operating lease on vehicles, plant, machinery, IT. Broker-intermediated deals very often carry undisclosed commissions — a core Johnson fact pattern.
Invoice finance
Factoring and invoice discounting arranged through a broker — where the broker held themselves out as advisor and retained commission.
Commercial mortgages
Broker-packaged commercial mortgages where the commission was buried in the offer letter, mentioned only as 'the broker may be paid', or absent entirely.
Merchant cash advances
MCA intros paid substantial commissions that were rarely disclosed to the borrower, with APR equivalents sometimes north of 100% not clearly communicated.
Overdrafts & revolvers
Less common, but where a broker advised a specific facility and took a cut, the same disclosure duty applies.
A short path from eligibility to money in the bank.
- 1
Eligibility check
Tell us which facilities and roughly when. No documents, no LOA, no commitment at this stage.
- 2
Document gathering
We pull commission disclosure, broker terms and lender correspondence under DSAR. You stay out of it.
- 3
Legal strategy
Depending on product and facts: unfair relationship under s.140A CCA (where applicable), bribery in equity, or tortious breach of duty.
- 4
Settlement or litigation
Most cases settle. Where they don’t, we partner with a named group-litigation firm under a CFA so you don’t carry cost.
You may qualify if any of these apply.
- You used a broker or packager for any business loan since 2015
- You took out asset or equipment finance via an intermediary
- A broker arranged your commercial mortgage
- You have or had an invoice finance facility introduced by a third party
- You’ve taken a merchant cash advance through a broker
- Your broker described themselves as an 'advisor' or 'partner'
- Commission was mentioned only vaguely ('may be paid') or not at all
- Your offer documents do not contain a specific £ figure for broker commission
Common questions.
- No. The Supreme Court narrowed one route (the tort formulation in Johnson) but expressly preserved unfair-relationship relief under s.140A CCA for regulated consumer credit, and the equitable bribery route where a fiduciary or quasi-fiduciary duty is owed. Business finance — especially where the broker held themselves out as advisor — still has strong grounds.
Find out in 60 seconds if your finance broker owes you money.
Tell us which facilities you had. We’ll check the broker’s disclosures for you — at no cost.