Apollo Finance Reviews

Apollo Finance is a UK-based commercial finance broker, not a direct lender, that connects businesses with a panel of lenders for various funding solutions. Founded with a focus on flexible and tailored financing, the company operates as an intermediary, assisting with loans, asset finance, and invoice finance. Apollo Finance is authorised and regulated by the Financial Conduct Authority (FCA) for credit broking.

Key features

Apollo Finance provides a broker service with access to over 50 lenders through a single application. A dedicated account manager offers personalised support throughout the process. The service includes a free initial consultation and quote, with no application fee charged upfront; fees apply only on successful placement.

• Access to a wide panel of lenders through a single application
• Dedicated account manager for personalised support
• No-obligation initial consultation and quote
• Fast decision times through the lender network
• Assistance with complex or specialist finance cases
• Transparent fee structure with no hidden charges
• Support for start-ups and businesses with limited trading history

Eligibility

Eligibility depends on the specific lender and product. For asset finance, businesses may qualify with a minimum trading period of 3 months and no minimum annual turnover. For unsecured business loans, at least 6 months of trading history and a minimum annual turnover of £50,000 are typically required. Certain sectors, including weapons, gambling, adult entertainment, and illegal industries, are generally excluded. Geographic coverage is limited to the United Kingdom, though some lenders may exclude Northern Ireland.

Loan options

Apollo Finance offers access to two main product types through its lender panel. Loan amounts, terms, rates, and fees vary depending on the lender and the borrower's risk profile.

• Business Loans: £1,000 to £500,000 over 1 month to 10 years. Representative APR ranges from 7.2% to 49.9%. Minimum turnover of £50,000 and 6 months trading history required. An arrangement fee of 2-5% of the loan amount typically applies. Unsecured options available up to £25,000; larger amounts require security against business assets. Personal guarantees are often required for unsecured loans over £10,000.
• Asset Finance: £1,000 to £500,000 over 12 months to 5 years. APR ranges from 6.9% to 29.9%. No minimum turnover is needed; 3 months trading history is required. Documentation fees of £0 to £150 may apply, and early settlement fees can be charged. The asset being financed serves as security. Personal guarantees may be required for sole traders.

How to apply

Applications are submitted online via the Apollo Finance website, with phone support available. After submitting the required documents and required documents, borrowers typically receive an initial quotation within 24 hours. A formal offer from a lender may follow within 2 to 5 days.

• Complete the online application and upload required documents
• Receive an initial quotation within 24 hours
• Formal offer from a lender within 2 to 5 days
• Funding released 24 to 72 hours after acceptance of the lender offer

Funding Agent's view

Apollo Finance serves as a useful gateway for small and medium-sized businesses seeking funding from a broad panel of lenders. The broker model offers access to a wide range of products and specialist finance cases, with dedicated account manager support. However, borrowers should consider that the final terms depend on the chosen lender, and arrangement fees (typically 2-5% of the loan amount) are charged upon successful placement. Some lenders on the panel may also require personal guarantees, and funding speed can vary by lender underwriting. This service is best suited for businesses that value expert guidance and flexible options over a fully automated, direct lending experience.