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19 Oct 2021

This is the £200 threshold that determines the response by the police, and theft below this level does not always merit a police visit and offenders can plead guilty by post.

19 Oct 2021

The FCA have recently announced significant increases in their base ratefees that will have an unfavourable effect, particularly on smaller independent retailers.

18 Oct 2021

Cycling Industry News has announced the launch of its 2022 Market Data drive and once again invites UK-based independent bike retailers to participate.

18 Oct 2021

#BikeIsBest,the cycle industry campaign supported by leading brands, retailers, organisations and cycling advocacy groups, has launched its latest campaign: When more people cycle, everyone...

18 Oct 2021

The All Party Parliamentary Group for Cycling & Walking (APPGCW) have an upcoming meeting on Monday the 18th October focussing on initiatives to promote walking

14 Oct 2021

Originally due to end on 31 December 2021, it has since been announced (4th October 2021) that the scheme has been extended until March 2022.

13 Oct 2021

Cytech continues to be in record-breaking demand as it now sees the highest ever number of technicians certified within one month in September 2021 - with over 115 in the UK alone!

13 Oct 2021

According to UK Finance, 'The new £100 limit is designed to balance security, convenience and consumer demand."

11 Oct 2021

With current incentives andfunding grants in place employers taking on new apprentices could receive up to £4,000 per apprentice.

11 Oct 2021

Your Business Journey to Net Zero, is a series of locally focused virtual events, designed to help small businesses who want to play theirpart in climate change, but don't know where is best to...

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Businesses offering retail finance can now save hundreds of pounds per year with ActSmart's new initiative

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ActshoppingSmart subscribers will be able to save time and money when offering retail finance with the new Retail Finance Appointed Representative initiative, meaning they get all the benefits of offering regulated finance with no Financial Conduct Authority (FCA) involvement.

Over the past year retail finance has played a key role in sales throughout the pandemic; when comparing Jan 2020 to Jan 2021 applications to purchase items through retail finance have increased by nearly 50%.

With more businesses realising the value that retail finance can bring to their business, ActSmart has now transformed the process to make it easier and cheaper than ever before. The brand new Retail Finance Appointed Representative service will save ActSmart subscribers both time and money on a yearly basis by removing the FCA acceptance and renewal processes.

Key benefits of the new service include:

  • Offer regulated finance to your customers
  • No initial FCA application fee - save £100
  • No FCA yearly renewal fees (except any incurred prior to being appointed) - save a minimum of £150 per year
  • No FCA paperwork - save time and effort
  • Liaise directly with ActSmart not the FCA
  • Offer finance with no subsidies

For more information and to apply for the Retail Finance Appointed Representative service please visit the ActSmart website here or get in touch at

Please note: Owing to the FCA fee structure and process for changing from a directly authorised business to an Appointed Representative ActSmart will currently be prioritising non-authorised businesses. Businesses that are already directly authorised by the FCA can still take advantage of the cost and time savings by becoming an Appointed Representative but the process will be completed nearer the next FCA reporting period.

All interested businesses should register using the form on this page and we will contact you in due course.

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