What are they?

Cookies are harmless text files that web servers can store on your computer's hard drive when you visit a website. They allow users to navigate around websites, record which areas of our website visitors have accessed and for how long. Cookies also allow us to tailor our content to fit the needs of visitors who have accessed the website. You can find more information about cookies at: www.allaboutcookies.org and www.youronlinechoices.eu.

Why do we use cookies?

We use cookies for the following purposes:

  • to monitor and manage Site traffic;
  • to protect our customers' rights, for legal or regulatory purposes (if necessary);
  • for login purposes;
  • to allow us to remember preferences, track visitors and target adverts;
  • to make your browsing experience on the Site more efficient and enjoyable.

We use both our own (first-party) and partner companies' (third-party) cookies to support these activities.

When you allow us to create a cookie, this doesn't let us to access your computer and we don't use cookies to track your internet usage after you leave our site.

What cookies do we use?

A list of all cookies listed on this Site and a description of the purposes we like them for is set out below. By using this Site, you consent to us using the Cookies listed below for the purposes listed below.

Essential cookies

TechnologyTypePurposeThird parties
csrftokenFunctionalThis cookie helps us protect you against 'Cross-Site Request Forgery' (CSRF): an attack that forces an end user to execute unwanted actions on a web application in which they’re currently authenticated.No third parties involved
faOrderIDAnalyticsThis cookie helps us correctly track which of our marketing channels visitors and sales have come from, so we can assess the performance of each channel.FinanceAds
"intercom.intercom-state and intercom.intercom-state-zmy6hal3"FunctionalThese local storage items help us provide online chat support by tracking sessions, remembering logins and saving conversations. They expire after 7 daysIntercom
intercom-id-zmy6hal3FunctionalThis cookie helps us provide online chat support by identifying anonymous visitors. It expires after 9 months.Intercom
intercom-session-zmy6hal3FunctionalThis cookie helps us provide online chat support by keeping track of sessions, logins and conversations. It expires after 7 days.Intercom
isLoggedInFunctionalThis cookie helps us identify if a visitor is logged in or not.No third parties involved
iw-*FunctionalThis cookie helps us run tests to find out which website page the visitor should be directed to.No third parties involved
iwoca-cbils-banner-v2FunctionalThis cookie helps us show a CBILS banner to all relevant customersNo third parties involved
iwoca-cookieFunctionalThis cookie helps us provide you with a way to manage your cookie preferences.No third parties involved
promoOnFunctionalThis local storage item helps us show you products that are relevant to you and your business.No third parties involved
recentSearchesFunctionalThis local storage item helps us provide a better broker portal experience by remembering your recent searches.No third parties involved
sessionidFunctionalThis cookie helps us improve your login experience by identifying you from other visitors.No third parties involved
sessionid_accessFunctionalThis cookie helps us authenticate our customers.No third parties involved
splittest_*FunctionalThis cookie helps us run tests to find out which website page the visitor should be directed to.No third parties involved
stripe_midPaymentThis cookie helps us provide fraud protection.Stripe
uidFunctionalThis cookie helps us measure the number and behaviour of visitors, such as pages visited and time spent on those pages. It also helps us run split tests by determining which test branch the user should be in.No third parties involved

Non-essential cookies

TechnologyTypePurposeThird parties
AnalyticsSyncHistoryAnalyticsThis cookie helps LinkedIn identify your session by storing information about the time a sync with the lms_analytics cookie took place for users in the Designated CountriesLinkedIn
bcookieAnalyticsThis cookie helps us store browser details for LinkedIn.LinkedIn
bscookieAdvertisementThis cookie helps us to easily share content on LinkedIn from our website.LinkedIn
dc_gtm_UA-27801269-1AnalyticsThis cookie helps us build a demographics report of our users. It stores information anonymously by assigning a randomly generated number to individual visitors.Google
dd_sFunctional"This cookie helps us track visitors through Datadog (a monitoring and analytics tool). It's used to group all events generated from a unique visitor session across multiple pages. It contains: the current session ID, whether the session is excluded due to sampling, and the expiration date of the session. The cookie is extended for an extra 15 minutes every time the visitor interacts with the website, up to the maximum user session duration (4 hours)."No third parties involved
fbpAdvertisementThis cookie helps us measure Facebook ad performance by tracking our visitors on our website.Facebook
frAdvertisement"This cookie helps us measure and improve the relevancy of our Facebook adverts. It expires after 90 days.Facebook
fs_uidAnalyticsThis cookie helps us understand visitor behaviour by anonymously tracking their journey through our website.Fullstory
fs_uidAnalyticsFullstory (a customer experience data app) uses this local storage ID to recognise the visitor for their individual session. It does not persist across different devices or browsers.Fullstory
gaAnalyticsThis cookie helps us calculate the number of times a person visits our page, helping to keep our campaign data up to date. It also tracks site usage for our analytics reports. It stores information anonymously by assigning a randomly generated number to each individual visitor.Google
ga_3PQ64Y0X5RAnalyticsThis cookie helps us improve our website by tracking the number of times our pages are viewed.Google
gcl_auAnalyticsThis cookie tracks visitors' interaction with our website. This helps us improve it.Google
gidAnalyticsThis cookie helps us improve our website by tracking the number of visitors, where they came from and pages they visited. It stores information anonymously by assigning a randomly generated number to each individual visitor.Google
hstc, hssrc, hsscAnalyticsThese cookies helps us build reports in HubSpot to understand how our visitors use our website and how long they stay on which page.HubSpot
hubspotutkAnalyticsThis cookie helps us market relevant products to specific demographics by using a third party to enhance the data we receive.HubSpot
landingpageFunctionalThis cookie helps us track users on our landing pages.No third parties involved
langFunctionalThis cookie helps us show visitors their preferred language when we show content on LinkedIn.LinkedIn
latestActiveSignupStepAnalyticsThis cookie helps us track which step of the signup process a customer is on.No third parties involved
leadValueAnalytcsThis local storage item helps us improve your signup experience by asking for the right information based on your requested loan amount. It also helps us place you in the right step in the signup journey should you exit the application before completing it.No third parties involved
lfuuidAnalyticsThis cookie helps us market relevant products to specific demographics by using a third party to enhance the data we receive.LeadForensics
li_gcFunctionalThis cookie helps LinkedIn store consent for tracking.LinkedIn
lidcFunctionalThis cookie helps LinkedIn store actions performed by visitors on our website.LinkedIn
MUIDAdvertisementThis cookie helps Microsoft track vistors across websites by using a unique identifier.Microsoft
uetsidAnalyticsThis cookie helps us measure our Bing (Microsoft) Ads performance by tracking visits across the website.Microsoft
uetvidAnalyticsThis cookie helps us measure our Bing (Microsoft) advert performance by running split tests and determining which branch the visitor should be on.Microsoft
uetsid, uetsid_exp, uetvid, uetvid_expAnalyticsThese local storage items help us see how well our Bing Ads are performing by storing and tracking your sessions on our website (new, returning and split tests).Microsoft
UserMatchHistoryAnalyticsThis cookie helps LinkedIn present relevant advertisement based on visitor preference.LinkedIn

Can you opt out from permitting cookies?

Yes, users have the opportunity to set their devices to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at any time. The last of these means that certain personalised services cannot then be provided to that user and accordingly you may not be able to take full advantage of all of the features or services available on our Site. The Help function within your browser should tell you how. Alternatively, for more information about how to block cookies and/or delete them, please visit www.allaboutcookies.org.