About Us
Based in Bournemouth, Dorset, The Richmond Group is a finance company made up of six brands offering loans, loan brokering, debt management, income protection and credit management.
Each brand delivers products designed not just to help people who’ve been turned away by the big banks, but to do things differently too. Whether that’s by being entirely independent (like Loanfinder), entirely online (like Payment Guard AND Loanfinder) or offering a new style of loan that doesn’t rely on credit scores (like FLM Loans), they’re all innovations that we did first.
Personal finance is rapidly evolving from a clunky office-based business into a fast-moving online industry. We’re at the front of that change thanks to our ground-breaking products and our ability to quickly adapt our business according to the needs of our customers. That’s why we’re always looking for amazing people to drive our brands – if you get excited about big problems and unanswered questions, we’d like to talk to you.
Thanks to its unique guarantor loan system, FLM Loans can offer loans between £500 and £5,000 to anyone who’s been refused elsewhere. All we ask is that you’re supported by someone who’ll make the monthly repayments if you’re unable to. FLM Loans is a professional and far cheaper alternative to doorstep lenders, since we offer the lowest rates of any sub-prime lender in the UK.
FLM Quick uses the same guarantor system as FLM Loans, offering small loans up to £500 that can be paid out in less than 24 hours. However, the repayment term and amount are set by you – much like a credit card, you can pay off as much or little as you like (to a minimum of the interest every month). It’s an innovation of the payday loan concept and we’re very proud of it.
Launched in 2011, Ratio is our latest innovation. Ratio is a B2B offering that allows marketing firms access to a range of products and tools, enabling them to generate customers in exchange for market leading commissions. Ratio demonstrates our technological approach to problem solving and our desire to develop super-efficient and sector defining companies.
Our loan brokerage service isn’t like any other in the UK. Not only does it operate entirely online but it’s also totally independent – that means the loans we recommend are the best ones for you, not the ones that pay us the most commission. You simply tell us your circumstances and needs, then we’ll find the loans that are right for you by searching more lenders than any other broker.
Formed in 2008, Payment Guard offers simple, flexible income protection insurance. It’s a unique, one-for-all insurance policy that covers your income if something unexpected happens – for instance, you’re made redundant or are unable to work due to a serious medical problem. Payment Guard is also another RG company that we’ve recently evolved into a completely online service.
Since 2009, CreditXtra has offered Loanfinder customers the ability to manage their money with services tailored to their personal circumstances. CreditXtra users can check their credit file and improve their credit score, create a customised budget planner to control their finances, use valuable advice to potentially boost their income and even save money by switching utility suppliers.
FLM Loans
FLM Quick
Ratio
Loanfinder
Payment Guard
CreditXtra