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13 May 2021

ActSmart members will be able to save time and money when offering retail finance with the new Retail Finance Appointed Representative initiative

13 May 2021

ActSmart are partnering with the social media management platform Maybe* in a bid to get more cycling retailers up-to-date in the world of social media

13 May 2021

The Which? Cash Friendly Pledge is a public commitment to show customers that your stores accept cash payments

13 May 2021

From 21st May in England, the minimum charge for plastic bags will increase from 5p to 10p per bag, and will be applicable to all businesses regardless of size.

13 May 2021

On Wednesday 19th May the ACT, along with other key members of the IRC, will be partaking in a meeting with government officials in regard to the wellbeing of the high street

12 May 2021

The All Party Parliamentary Group for Cycling & Walking (APPGCW) virtual meeting takes place on the 14th of May with the subject ''How to make active travel safer - improving safety audits and...

7 May 2021

Pennine Cycles, shortlisted last year for two awards in the Best Small Shops competition, have now been nominated in the BikeBiz Awards

7 May 2021

Based at Activate Learning's Bracknell & Wokingham College campus this brand new workshop is the latest addition to their expanding number of Cytech training workshops across the country.

6 May 2021

Maybe* take examples from successful businesses that used social media to flourish despite the pandemic

5 May 2021

The Government has agreed an amendment to the Financial Services Bill which will enable shops to offer cashback to customers without making a purchase.

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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If you have any other queries please contact us.