Your single point of access for personal and commercial finance — from mortgages and car finance to personal loans and business funding, delivered with clarity, speed and genuine support.
We are currently in the process of obtaining our regulatory authorisations and Appointed Representative (AR) status. At this time, we do not provide any regulated consumer credit, mortgage, or insurance advice. Any services shown on this website that fall under regulated activity are offered strictly on an introducer-only basis through fully authorised partner firms. We are able to provide full support to business and commercial clients where activities are unregulated.
Our business finance services are provided exclusively to limited companies, LLPs, and incorporated entities. These activities are unregulated and do not require FCA authorisation. We do not arrange finance for sole traders or small partnerships borrowing £25,000 or less, as these fall under regulated consumer credit. Any regulated enquiries will be referred to an FCA-authorised partner.
Our Vision
Our vision is to become a trusted, long-term finance partner for individuals and businesses — simplifying financial decisions and delivering tailored solutions that genuinely support growth, stability and confidence.
Our Mission
We want every client to feel informed, supported and empowered at every stage of their financial journey. Our mission is to provide clear, personalised and high-quality guidance that helps people move forward with certainty. We take the time to understand each client’s goals, present transparent options and ensure a smooth, supportive experience from start to finish.
Our Story
S5 was built on a simple belief: finance should feel personal, accessible and free from unnecessary complexity. Too often, individuals face confusing choices, while businesses struggle to secure the right support at the right time. We set out to change that.
Today, we support clients across personal lending, vehicle finance, future property planning and business funding — guided by honest conversations and solutions tailored to real needs, not generic criteria. We focus on long-term relationships rather than quick transactions, offering clarity, consistency and confidence at every step of the journey.
Helping people move forward is at the heart of everything we do. We are a modern finance advisory service offering a personal, one-to-one approach for individuals and businesses seeking clear, practical financial solutions. From everyday finance needs to longer-term planning, our focus is on clarity, strong communication and making the process feel straightforward and stress-free.
Below is a snapshot of the key areas we support — designed to cover both personal and commercial financial needs under one roof.
Supporting you in making confident financial decisions, from car finance and personal lending to future planning and everyday funding needs. We provide clear guidance, simple options and ongoing support at every stage.
Whether you’re preparing for your first home, exploring buy-to-let opportunities or planning ahead, we help you understand your options and identify the right path forward. (Full mortgage services coming soon.)
From working capital and asset finance to invoice funding and business growth support, we help companies access the right funding solutions quickly and confidently — tailored to their sector, size and objectives.
Whether you’re planning a personal financial move or growing your business, having the right guidance makes all the difference. We’re here to simplify your options, offer clear direction and help you move forward with confidence — without pressure or complexity.
We believe finance works best when it’s personal, transparent and thoughtfully matched to your real needs. We don’t push products or rush decisions. Instead, we take the time to understand your situation, explain your options clearly and support you through every step — whether it’s a personal decision or a business move.
From personal lending and vehicle finance to future property planning and business funding, our approach is built on clarity, care and long-term thinking.
We support individuals and businesses across a wide range of financial needs. Here’s a complete breakdown of
the areas we cover:
“I wasn’t sure where to begin, but everything was explained clearly and patiently. The support felt genuine and straightforward, and I never felt rushed. Really happy with the experience.”
“What I appreciated most was how personalised the service felt. Communication was smooth, everything was well-organised, and I felt supported throughout the process from start to finish.”
“I’ve returned more than once because the service has always been consistent, professional, and easy to work with. Everything was handled efficiently and with great care.”
Simple, transparent and designed around you. We make the finance process easy to understand and stress-free from the very first conversation.
Start by sharing a bit about your situation and what you’re looking to achieve. Whether it’s personal finance, vehicle funding, business lending or future property plans, a short conversation or enquiry form is all we need to understand your goals.
We carefully assess your requirements and explore the most suitable finance pathways available. You’ll receive clear, straightforward guidance — no jargon, no pressure — just options that genuinely make sense for your situation.
Once you’re comfortable with the options, you choose the direction that works best for you. We support you through the next steps, keeping everything organised, simple and moving forward smoothly.
Have a question or need expert support? Our team is ready to assist you with reliable, secure, and tailored solutions. Reach out to us and let’s move forward together.
Delivering professional support and tailored solutions to meet the needs of our clients.
Monday to Friday
9:00 am to 6:00 pm
Saturday
9:00 am to 12 noon
Closed on Sundays
The information on this website is for general guidance only and does not constitute financial advice. Finance options are subject to eligibility and lender criteria.
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