Archover Reviews

Archover provides reliable lending solutions, known for its customer satisfaction and efficient service tailored to diverse financial needs.

Here are the Trustpilot Reviews from Archover:

Here are the Reviews from Archover:

I have held back writing this review in the hope I wouldn't have to be negative...however the time has arrived.I have just lost 15000 invested in a company that effectively tricked Archover and was fraudulent. That was in 2018 and ever since highly complex legal manoeuvres have resulted in many delays and false dawns.Just last week investors were told to count their money as a complete loss. Also another company seems to be permanently on the verge of going bust with Archover having extended repayment of capital deadlines 10000 in my case..several times over the last two years with interest payments being made on an ad hoc basis and always very late. Of course I realise that investments with Archover are high risk and losses happen...however I..like some other reviews on this site..am deeply suspicious of the level of robustness of initial scrutiny of potential borrowers. Archover are also rather poor at keeping me up to date..necessitating many phones calls just to find out what's happened to my 10000 If you are considering investing through this company you would do well to bear my experience in mind. Given the ineffective level of scrutiny of some borrowers..it may well happen again

Scott Fellows

We used Archover for acquisition finance in the SME space. Their process helped us to build a robust and thorough plan for the investors, the project was funded fast and its been working well. Would highly recommend.

Toby Brooks

I've used Archover for a few years now as a lender, it is very secure and they take the selection of new funding opportunities seriously. When I started investing the platform was great but now there is just too many people for very limited investment opportunities. As soon as a new opportunity comes onto the platform, it is funded within seconds and even if you are ready to invest at the hour they put it up, you can still easily miss out if your browser takes more than a few seconds. I've contacted them numerous times but they just say I have to be faster to invest (not really possible) so aren't really helpful at all. All I would say is expect your money to be sitting there not earning any interest for a while unless you can continuously check and stop your life when a new funding opportunity comes along.

Kayleigh Griffin

Highly recommended

simon atkinson

Although it took slightly longer than anticipated to set up, Archover have become an integral part of our acquisitive growth strategy.

Ross Tomkins

I used ArchOver to raise funding for a MBI Acquisition we did this year. During and post-covid, financial markets and particularly High-Street lenders, have been really difficult to work with, let alone secure funding. The Team at ArchOver were really approachable, professional and delivered on their commitments within their advised time frame. I will happily use ArchOver for future transactions.

Craig

Explore Archover's Finance Solutions:

Cashflow Term Loan (Secured & Assigned)

£250,000 – £15,000,000

Receivables Finance (Advance)

£100,000 – £5,000,000

Apply Now!

Explore Archover's Finance Solutions:

Loan Type:

Cashflow Term Loan (Secured & Assigned)

Loan Range:

£250,000 – £15,000,000

Loan Terms:

6 months to 36 months

Minimum Turnover and Trading Age:

Minimum £1,000,000 annual turnover and 2 years’ trading

Interest Rate:

6.0% – 12.0% p.a. fixed

Fees:

Arrangement fee 2–4% of facility; monitoring fee 0.25% per month; no early repayment fee

Loan Type:

Receivables Finance (Advance)

Loan Range:

£100,000 – £5,000,000

Loan Terms:

30 days to 12 months revolving

Minimum Turnover and Trading Age:

£500,000 turnover with at least 12 months trading

Interest Rate:

0.8% – 2.0% per 30-day period (equivalent 9.6% – 24% p.a.)

Fees:

Service fee 0.25% – 0.5% of invoices funded; audit fee £750 – £1,500 p.a.

Loan Type:

Asset Finance (Hire Purchase / Refinancing)

Loan Range:

£100,000 – £5,000,000

Loan Terms:

12 months to 60 months

Minimum Turnover and Trading Age:

£1,000,000 turnover and 2 years trading

Interest Rate:

6.5% – 14.0% flat rate equivalent

Fees:

Documentation fee £295; arrangement fee 2%; option-to-purchase fee £100

Loan Type:

Property Finance (Bridging & Light Development)

Loan Range:

£500,000 – £15,000,000

Loan Terms:

6 months to 24 months

Minimum Turnover and Trading Age:

No minimum trading if asset-backed; SPVs accepted

Interest Rate:

0.70% – 1.20% per month (8.4% – 14.4% p.a.)

Fees:

Arrangement fee 2%; exit fee 1%; valuation and legal fees at cost

Loan Type:

Loan Range:

Loan Terms:

Minimum Turnover and Trading Age:

Interest Rate:

Fees:

Loan Type:

Loan Range:

Loan Terms:

Minimum Turnover and Trading Age:

Interest Rate:

Fees:

More About Archover

ArchOver Ltd is a UK-based peer-to-peer business lending platform established in 2014 as part of the Hampden Group. It connects UK SMEs with private and institutional investors. The lender offers secured, receivables-backed, and property-backed finance with loan amounts up to £15,000,000. ArchOver may suit established companies looking for swift funding solutions outside traditional bank loans. Check our Archover Reviews and Lenders overview for more context.

Key Features of ArchOver Ltd

ArchOver’s lending platform provides multiple finance options with various security structures and digital tools to assist borrowers.

Wide finance mix including receivables, asset, cash-flow, and property lending; see Alternative Finance Loans.
Loan facilities up to £15 million suitable for mid-market growth or acquisition finance; explore Term Loans.
Multiple security options reduce reliance on personal guarantees; understand Collateral.
Transparent fixed-rate pricing usually starting from 6% per annum; see Fixed Rate.
Online platform enables quick quotes and funding progress tracking with dedicated relationship management; check Tools.

Funding Eligibility

You may qualify for ArchOver’s lending if your business has at least two years’ trading history and sufficient turnover, usually £500,000 or more depending on the product. Loans require UK-registered limited companies with UK directors and operations. Some sectors such as agriculture, gambling, and arms manufacturing are excluded. Review detailed Lenders criteria and use our eligibility tools.

Loan Options

ArchOver offers several loan types designed for different funding needs and asset types.

Receivables Finance (Advance): £100,000 to £5,000,000, 30 days to 12 months revolving, interest from 0.8% to 2.0% per 30 days (approx. 9.6% to 24% p.a.), financing up to 90% of invoices. Learn more about Invoice Financing.
Asset Finance (Hire Purchase / Refinancing): £100,000 to £5,000,000, loan terms from 12 to 60 months, flat rates between 6.5% and 14%, funded assets act as security. See our Asset Finance guide.
Cashflow Term Loan (Secured & Assigned): £250,000 to £15,000,000, 6 to 36 months, fixed rates 6.0% to 12.0% p.a., secured by business assets and receivables. Details at Term Loans.
Property Finance (Bridging & Light Development): £500,000 to £15,000,000, 6 to 24 months, monthly interest 0.70% to 1.20% (8.4% to 14.4% p.a.), secured on UK properties. Further info on Commercial Mortgages.

How to Apply

The application process is online with telephone support, aiming for rapid credit decisions and funding.

Submit application and documents digitally via the online platform; access the application form.
Provide required documentation such as filed accounts, management information, bank statements, and asset valuations where relevant; see document checklist.
Review of credit and security within 48 to 72 hours after submitting complete documents; indicative quotes available within 24 hours.
Sign formal offer and accept funds, typically released within 5 to 10 working days for most loans; bridging may complete faster.

Funding Agent's View on ArchOver Ltd

ArchOver serves UK mid-sized SMEs needing secured or receivables-backed finance above typical starter loans. It offers a digital platform with various loan types up to £15 million but requires established trading history and solid financial documentation. Those with strong debtor books or property assets may find its peer-to-peer approach quicker or more flexible than banks. Use our eligibility checker, explore alternative finance options, and compare lenders within the UK lending market to assess fit for your business needs.