Frequently asked questions


Answers to commonly asked questions

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Do I receive support?

Yes, We are committed to ensuring you receive all the support and advice you need to have a successful relationship with Kandoo.  You are assigned a Relationship Manager who will also check in with you on a regular basis to ensure you are happy with the service and answer any questions you may have.

Am I liable if the customer gets behind in their monthly payments?

No. If the customer chooses an unsecured/personal loan then the lender is responsible for collecting any payments and the borrowing was not subject to an asset.

How do my customers apply for the finance?

Your customers can apply online and in most cases will receive an instant decision. The application can be made at  We also show you how to add the application form as an app on your phone or tablet. Including the integration of the application form into your website as a co branded page, should you want that.

What is the application process?

Following an initial call with one of our relationship managers we send you the following:

  • Introduction pack – contains details of the service we offer and who we are.
  • IAR Contract – This is the contract between us, it is self-explanatory. We are here to answer any questions you may have. This is an E-signature document; meaning that you do not need to print it off, just follow the instructions.
  • IAR Application – This is the due diligence part of the application, answer all questions as best you can. This is also an E-signature document

Once we have received these along with photo ID and proof of address we then check all the information supplied and if we are satisfied we then register you with the FCA, once complete you will receive an email and a telephone call advising you of the next steps.

What are my obligations to the FCA

You are obliged to operate within the framework of what the FCA deems to be suitable codes of conduct. These are common sense approaches to dealing with consumers, we will advise you and monitor these at all times ensuring you remain compliant. There are no silly questions and communication channels will always be made available to you through your Relationship Manager to ensure any queries are answered and regular updates given.

Do I need to be FCA authorised to have a finance option?

Yes, once you have passed our application process you will be registered as an IAR (Introducer Appointed Representative). This allows you to operate regulated activities and act as an agent of the main authorised company in this instance Switcha Ltd of which Kandoo is a trading style.

Is there any cost to me as a business?

Our initial fee is £995 + VAT, this covers the cost of us obtaining your FCA authorisation and building your compliant marketing assets. There is a low monthly fee of £79 + VAT. We cover the majority of our costs from the commissions we receive from the lenders on our panel for referring business to them. We also ask that, if you're happy with our service, you recommend us to business partners, which really helps towards our marketing costs.

Who is it for?

We work with every sector

We specialise in delivering tailored finance solutions across all sectors, ensuring that no matter your industry, your customers have access to the necessary funds. From retail to healthcare and beyond, our flexible options and dedicated support empower you to boost customer satisfaction and drive business growth effortlessly.

Kitchen showroom
Garden centres
Solar installs
Dental clinic
Car dealerships

Our customers are happy

We would love to make this look realistic with 4 or 3 star reviews but we don't have any!

Andy was incrediibly patient and hard working, jumpng through hoops over a number of weeks to help us reach our end goal. we wouldnt hesitate to recommend him to any of our friends."

Hannah H

Verified Buyer

Very supportive, quick and easy to deal with so Thank you very much for dealing with finance for our purchase!"

Melanie D

Verified Buyer

Very easy company to deal with, Dan was very helpful making the full application a lot smoother updated me on every little detail and worked around my working hours as well couldn’t fault him at all.

Morgan G

Verified Buyer

Good rates and great customer service, Dan really made it a straight forward process, cheers mate"

T Cribb

Verified Buyer

Andy went out of his way to assist us with our purchase also made the process as smooth as possible thank you so much. We will now enjoy the dream"

Diane W

Verified Buyer

Pascalle did everything in her power to get me finance for my new car and she was the only one out of 10+ providers that accepted me due to being under 21. Best service and definitely will be using this service again!

T Chell

Verified Buyer