Applicants must be aged 18 and over. Lender’s terms and conditions will apply and guarantees and indemnities may be required. Factoring & Finance Independent Review Services Ltd is a credit broker, not a lender and does not charge its customers a fee for using its online broker services. However, Factoring & Finance Independent Review Services Ltd introduces borrowers and lenders for the purposes of entering into different types of loan agreements. This includes short-term, unsecured loan agreements, thus Factoring & Finance Independent Review Services Ltd does receive commission from lenders or other brokers if a customer enters into a consumer credit agreement following an introduction through this website. All finance and quote offers are subject to status and income.