What the score is, and what it isn't

• It reads your filed accounts. Turnover, balance sheet, filing history and age of company — all already public at Companies House.
• It leaves no footprint. Nothing is searched against your credit file, so checking costs you nothing and nobody else sees it.
• It's a guide, not a decision. A strong score doesn't guarantee an approval, and a quiet one doesn't mean no — lenders weigh things public accounts can't show.
• It tells us where to take you. Knowing the profile up front means we approach the lenders most likely to say yes, rather than papering the whole panel.

Newly incorporated companies often have no meaningful accounts filed yet. That's normal and it isn't a problem — it just means the conversation starts with us rather than with a number.

Funding sits alongside the proposal

• Proposal first. We price the works and issue the proposal, so the funder is looking at a defined scope and a real number.
• Application in parallel. You apply while the proposal is under review — it doesn't hold up the programme.
• Decision, then appointment. The facility is agreed before contracts are signed, so you're not committed before the funding is.
• Drawdown against valuations. On staged projects, funding can be released against interim certificates as work is completed.

Finance is subject to status and credit approval. 3S Consult is not a lender. Applications are handled by Novora Asset Finance, who will set out the terms, the total cost and any fees before you commit. We are not able to give you financial advice — if the decision is finely balanced, speak to your accountant.

Day to day, and when it goes wrong

• Contracts and handbooks. Written for your business and kept current as the law moves.
• Policies and procedures. The documented positions you need before you need them.
• Employment law advice. Access to qualified advisers when a situation is developing, not after.
• Disciplinary and grievance. Process support through the difficult conversations, properly recorded.
• Absence and performance management. Structured, evidenced, and defensible.
• Restructuring, redundancy and TUPE. Including the transfers that come with winning or losing an FM contract.
• Right-to-work checks and onboarding. Compliant from the first day.
• Payroll and pensions administration.
• Health and safety support. Risk assessments, method statements and site documentation.

Filling the roles we know

• Trades and site staff. The roles we place on our own panel every week.
• Technical and FM roles. Engineers, supervisors, contract and facilities managers.
• Permanent appointments. Full search, screening and interview support.
• Temporary and contract. Cover for peaks, absence and short programmes.
• Office and commercial. Admin, finance, estimating and customer-facing roles.
• Executive and senior appointments. Where a discreet search is the right approach.
• Onboarding. So a new starter's first week is organised before they arrive.

What you'll need

• Public liability insurance — £5m minimum, current certificate.
• Employer's liability where you employ, plus UTR and VAT details if registered.
• Trade accreditation relevant to your work — Gas Safe, NICEIC or NAPIT, SSIP, CHAS or equivalent.
• CSCS cards for operatives attending site.
• Method statements and risk assessments you can issue per job.
• A smartphone. Completion photographs are uploaded against every job — that's how sign-off works.

Applications are reviewed against current panel coverage. If your area and trade are already well served we'll keep your details on file and come back to you when demand moves.

Why the divisions exist

The gap in most projects isn't advice — it's the handover. A specification gets written, then the client goes looking for someone to build it, someone else to fund it and someone else again to sort the paperwork. The standard drifts at every join.

We closed those gaps by holding more of the chain. We keep a database of subcontractors by trade, postcode area, accreditation and capacity. We arrange the funding through our own sister business. We build the systems ourselves. And the HR sits with a specialist partner we coordinate.

Because the subcontractor accepts the scope, commits to a start date and uploads completion photographs, there's a record of the work at every point — which matters when it's time to certify payment or defend a final account.

How we work

• One proposal, one number. Works cost and consultancy fee combined, with the funding option alongside it.
• Changes priced when instructed. Variations issued in writing and valued as they arise, not argued over at final account.
• Evidence, not assurances. Photographic sign-off against specification before anything is certified.
• Sustainability where it pays. Specification choices that cut running cost, waste and rework — not a badge on the letterhead.
• We say when it isn't us. If a job needs someone else, we'll tell you rather than stretch to fit it.