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Consumer credit, set up and run through one partner

If you sell higher-value goods and services, the right finance offer may help more customers go ahead, support larger purchases and keep you competitive where others already offer ways to pay. PPL can help you set it up, access lenders and run it in-house, with compliance support built in.

Talk to us about your finance proposition
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Where are you starting from?

Every business is different, so every finance journey is different too. Which of the following is closest to your current finance situation?

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You don’t currently have a finance offering

Finance may not play a part in your customer journey at the moment. When customers ask about spreading the cost, do you give them the option? If competitors offer ways to spread the cost and you don’t, some customers may buy elsewhere. Offering finance may help more customers go ahead, gives them more choice in how they pay and adds value to your brand.
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You offer Buy Now Pay Later or Pay in 3

A finance option is not a finance range. Deferred payment credit has been regulated since 15 July 2026, so this is a good time to review what you currently offer.
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You have one finance provider

One provider may suit some of what you sell, but not all of it. A clear view of your whole finance offering helps stop it becoming fragmented.
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You use several finance providers

Do you have a clear proposition, or is it a set of logos on your website and marketing material? Choice helps customers most when each option has a clear job.
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You’re a dealer, an installer, or you’re part of a retail network

If you have a network, is finance offered consistently and compliantly? We support networks of different sizes to deliver a consistent message.

You offer finance through different providers     

Most businesses that offer finance work with several different providers. We help bring it all together, with support for the regulatory and operational requirements behind your finance proposition, so you can focus on running your business.

Choosing the structure that works best for you

Deciding which regulatory route is right for your business can seem complicated, so we explain your options and you choose the set-up that suits you.


That could mean becoming an Appointed Representative of PPL, applying for Direct Authorisation, or moving between the two as your business grows and evolves.

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Finance access

As an FCA-authorised credit broker, PPL can introduce your business to lenders on our panel. That may give you more choice in the products you offer and how they fit what you sell.

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Systems

Artemis, our point-of-sale and compliance platform, brings financial promotions approval, complaints handling, RegData, e-learning and an audit trail into one place so you have a clear overview of everything.

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Ongoing support

Ongoing support covers Consumer Duty reporting, customer journey reviews, lender relationship support and training. You also have a named account manager to help check that your finance proposition is working well after it goes live.

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Lender access through PPL     

PPL is authorised and regulated by the Financial Conduct Authority for credit broking (FRN 626349).

We are a credit broker, not a lender.

We can introduce your business to lenders on our panel. Each lender makes its own decisions on whether to work with a business and whether to lend to a customer.

A wider panel may help you offer finance that suits different products, purchase values and customers. What fits will depend on your business, your customers and each lender’s criteria.


Commission


PPL may receive commission from lenders when we introduce a business to them. The amount may vary by lender and product. We’ll tell you about any commission before you proceed.

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When a customer is declined

A decline can be tricky to face, but it is sometimes the right outcome for a customer. What matters is what happens next, and whether it is fair, clear and suitable.


We help businesses review their decline journey: what the customer sees, what choices they are given, and what other ways of paying, if any, are appropriate to offer them. The aim is to clarify customer choice and support appropriate outcomes.


We can help reduce the risk of customers being pressured to use credit and support a fair, clearly explained customer journey.

How it works

Conversation. We start by talking through what you sell, so we understand how your customers buy and how you offer finance today.


Review. We look at your customer journey, your current provider arrangements and your regulatory structure.


Structure and lenders. Together we agree the right route for you: Appointed Representative, Direct Authorisation or an FCA application. If required, we can introduce you to lenders on our panel.


Go live. Artemis supports financial promotions approval, complaints handling, training and record keeping from day one.


Review and grow. Your named account manager is on hand to help you adapt as your products, customers and channels change.

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Everything we do is built around your business

Large-scale and national businesses
We have experience working alongside large-scale and national businesses, with:

  • lender choice, oversight and evidence
  • reporting that your board and compliance teams can rely on
  • a platform that can sit alongside your existing systems.

Owner-led businesses
One partner for structure, lenders and day-to-day compliance, with plain-English support and less admin, so you can focus on running your business.

For lender and introducer partners
If you work with merchants who want to offer finance to a high standard, PPL can support them from set-up and provide ongoing support alongside your relationship with them. Get in touch to find out how we work with partners.

Frequently asked questions

Frequently Asked Questions

No. PPL is an FCA-authorised credit broker. We introduce businesses to lenders, and each lender makes its own lending decisions.

Depending on the type of credit offered, how it is introduced and any applicable exemption, a business may need its own FCA authorisation or may be able to operate as an Appointed Representative of an authorised firm. We can help you understand the routes that may be available.

No. Many businesses keep their existing provider. A review may help you see whether your current arrangement still fits how your customers buy.

Deferred payment credit, often called Buy Now Pay Later, became a regulated credit agreement. Lenders offering it now need FCA authorisation. Most retailers that only offer it as a payment option at checkout don’t need new permissions, but it’s a good moment to review your financial promotions and customer journey.

No. We support businesses with regulatory structure, lender access and compliance. We don’t give financial advice to businesses or their customers.

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Is your finance proposition as strong as your product range?

Get in touch with our team today.

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