About Us

FLM started lending in 2005 after a chat in a pub turned into an obsession with finding a way to make loans available to people with bad credit scores.

We knew that millions of people were being refused, or offered loans at crazy rates because according to a computerised score they were likely to default. We knew that computers could do lots of things really well, but judging a person's character didn't seem to be one of them.

After a few shandies the big idea struck. Ignore what the computer says and look at whether people are trusted by their friends and family.

Our Promise

FLM is focused around one core principle - our customers and providing the best possible service to people who have been refused credit elsewhere. So, to make sure we stick to this, we came up with some top promises that we always strive to keep:

  • - To always keep you informed
  • - To lend responsibly
  • - To be the fastest in the world
  • - To re-invest
  • - Never charge a penny for paying off the loan early

Our Awards

Being the best in the business doesn't come easily. We've worked really hard to be where we are today and we're proud of our trophies! Click on any one below to see what they are each for....