Charge registered or satisfied
A new charge at Companies House, or a charge satisfied when a facility ends.
When a charge is satisfied, your offer reaches the FD
A charge satisfied at Companies House means a company's facility has just ended, and your campaign reaches its MD and FD within 30 minutes.
The problem
Companies often ask their bank first
Smaller UK businesses look for finance at specific moments: growth, a new site, new equipment or a contract to fund. Most finance providers hear about those moments after the company has gone to its bank. By then the facility is often arranged, and the next chance comes when it ends.
A new charge, or a public contract award the company may need working capital to deliver, launches a campaign too. Reformat Agency monitors up to 100 companies 24/7. An agentic workflow, steps that run by themselves, sends each campaign with a guide on the funding question in front of them.
About 50%
of smaller businesses used external finance in 2025
British Business Bank, Small Business Finance Markets Report 2025/26 · 2026 ↗£68 billion
of bank lending to smaller businesses in 2025, up 9%
British Business Bank, Small Business Finance Markets Report 2025/26 · 2026 ↗Alerts
The alerts we monitor for in this industry
A charge registered or satisfied at Companies House is the strongest alert for a finance broker, because it shows a facility has just started or ended.
Public contract award
A contract awarded to the prospect on Contracts Finder or Find a Tender, which often needs working capital to deliver.
Growth or an acquisition
Filed accounts showing growth, a new owner, a new site or an acquisition.
Operator or driver roles
Operators and drivers for equipment and vehicles, a hiring wave, or a new finance role.
New decision-maker
A new FD or MD, from LinkedIn or Companies House.
Post about a problem
A LinkedIn post about cash flow, late payments from customers, a large contract win or an equipment upgrade.
Who we market for
Businesses we work with
- 1Commercial finance brokers
- 2Asset finance and invoice finance providers
- 3Business loan, commercial mortgage and working capital lenders
Decision-makers
The decision-makers each campaign reaches
- 1MD or owner
- 2FD or finance lead
- 3Operations director, who specifies equipment for asset finance
Last page of every guide
Registered charges and filings
- Registered charges, with lender name, date and status (outstanding or satisfied)
- The last accounts filing date and the company's account type
- Facts only, with no comment on the company's finances, credit or ability to borrow
Built from public records only.
Guide topics
Examples of the guide in each campaign
- Financing new equipment: hire purchase, lease or loan compared
- Funding a new contract: working capital options
- When a facility ends: refinancing checklist
- Invoice finance: how it works and what it costs
- A new FD's first 90 days: reviewing the funding
Questions
Common questions in this industry
Companies go to their bank first.
A campaign arrives when a company is deciding, for example when a charge is satisfied or a large contract is won. That puts you in the conversation while the company is still weighing its options.
Mentioning someone's borrowing is intrusive.
Campaigns never mention a prospect's charges or finances, and the guide covers funding in general terms.
Finance promotion rules are strict.
Campaigns go to limited companies and LLPs only, never quote rates or promise approval, and carry your FCA status line where it applies.
Other industries
More industries we market for
Talk to us
The campaigns we would run for your prospects
Send us the companies you want to win. We show you the alerts at each one and the campaign we would launch.