About Provira
Giving people the freedom to move forward
About Us
Giving people the freedom to move forward
At Provira, we understand that waiting for inheritance or an estate to conclude can be a prolonged, uncertain and stressful process. That’s why we started Provira. We’re dedicated to providing swift, transparent, and reliable financial solutions to help you access your inheritance when you need it most.
Who We Are
Provira is the UK's most trusted provider of Inheritance and Estate Advance loans.
We specialise in offering financial support to beneficiaries and executors during the often complex probate process.
With a team of deeply experienced and compassionate professionals, our commitment is to support people through this process – ensuring you have the resources you need to move forward with confidence.
What we do
We offer two types of loans – both available pre and post grant of probate:
Inheritance Advance
Designed for beneficiaries, this service allows you to access up to 50% of your expected inheritance immediately. Whether you’re looking to purchase a new home, fund a business, go on holiday or manage daily expenses an Inheritance Advance can be used for whatever you would like to fund.
Estate Advance
Tailored for executors, this loan facilitates immediate access to up to 50% of the estate’s net value. Estate Advances are used to cover Inheritance Tax, legal fees, property renovations, or other estate-related expenses.
Access funds quickly
Funds typically released within 3 days of application
Exceptional customer service
One dedicated underwriter from start to finish
Solutions focused
We simplify the process and work directly with Solicitors
Straight-forward pricing
Arrangement fees are 1-2%. We only charge 1.5-2% simple interest
Get your Advance in these 4 simple steps
1
2
Send us your documents
We confirm your eligibility and send you a list of the documents we’ll require, including:
- Copy of Death Certificate
- Copy of Will (if applicable)
- Copy of Grant of Probate/Confirmation/Letters of
Administration (if applicable) - Confirmation of the assets and liabilities within the estate
- Proof of ID, address and bank details
We confirm your eligibility and send you a list of the documents we’ll require, including:
Show list
- Copy of Death Certificate
- Copy of Will (if applicable)
- Copy of Grant of Probate/Confirmation/Letters of
Administration (if applicable) - Confirmation of the assets and liabilities within the estate
- Proof of ID, address and bank details
3
Your application is assessed
Our experienced underwriters assess your application within 48 hours and successful applications receive a formal email offer.
4
Receive your funds
Ready to get started?
Why Choose Provira?
- Speed & Simplicity: Funds are typically released within 3 days of application.
- Transparent Pricing: We charge an arrangement fee of 1%-2% and a simple interest rate of 1.5%-2% per month, with no compound interest, monthly repayments, or early repayment fees.
- No Personal Liability: Our loans are secured against the estate, not your personal assets. If the inheritance is less than expected, and you’ve adhered to the agreement terms, you’re not responsible for any shortfall.
- Expert Support: Each client is assigned a dedicated underwriter to guide them through the process, ensuring personalised and empathetic service.
Regulatory Compliance
Provira Limited is authorised and regulated by the Financial Conduct Authority (FRN No: 946175). Finance is subject to availability and status. Applicants must be 18 or over. Terms and conditions apply.
Meet the Team
Steve Gauke, Managing Director
Steve joined Provira in early 2022 and has seen the business grow to become the leading provider of probate loans in the UK. He holds a Master’s Degree in Business Studies and has over 20 years experience in professional services, including senior roles at The Law Society of England & Wales and Kreston Reeves. Steve is focussed on ensuring the business delivers a world class service to both its customers and partners. It is this approach that has been the cornerstone of Provira’s success and is the driving motivation for the whole Provira team.
Outside of work, Steve is most often found on the cricket pitch or golf course, primarily failing to work out how to prevent the advancing years further ruining his game!
John Sanderson, Director of Partnerships
John originally trained as a solicitor and spent 10 years in law before transitioning into business development. He spent a number of years in legal expenses insurance, before moving into litigation funding at a merchant bank. Following this he has worked in probate lending since 2021 at another provider until joining Provira in 2024. He is responsible for building and maintaining relationships with our introducers such as Solicitors, Brokers and IFAs.
Outside of work John loves getting outdoors in his native Yorkshire and has a passion for producing electronic dance music.
Debbie Collins, Head of Operations and Underwriting
Debbie joined Provira at the end of November 2022 and was Provira’s first employee. She began her career in banking at sixteen and worked her way through nearly every role, building a strong foundation in customer service, leadership, and operations and becoming one of the flagship branch managers. She supported many branches who were underachieving and provided them with the tools to succeed. After many rewarding years in the banking world, she transitioned to her current role as Head of Operations and Underwriting, where the work feels far more personal and impactful. She values the close connections she builds with her clients and team and finds it rewarding to see how her efforts make a real difference every day to so many lives.
Outside of work, Debbie spends most of her time enjoying the countryside with her dog and her love of travelling. She has a passion for interior design and gained a diploma at night school to enhance this. She now spends a lot of her time improving her country home and garden. She also on occasions revisits her younger love of surfing.
Tracy Rumsey, Underwriter
Tracy’s career began in Hotel Management, working in the industry throughout Scotland. After relocating to London, she worked in a private hospital on Harley Street where she assisted patients, deepening her core values of empathy and kindness. After another move, this time to Suffolk, she began working in banking, dealing with enquires, including bereavements. From there, Tracy was approached by a former colleague to assist in setting up a new venture and was employed as Operations Director for that financial services firm. She moved to Provira in 2024 where she strives to provide exceptional customer support at what can be a very difficult time for the client.
Outside of the office, Tracy’s time is taken up coping with the chaos caused by a 19 month Labradoodle and two 18 year old cats! When she does get 5 minutes to herself, she enjoys cooking and is trying to perfect Sourdough baking.
Sharon Paddon, Underwriter
Sharon started her career in Barclays Bank at the age of 16 and brings over 30 years of financial experience and excellent customer service. Since leaving Barclays, she has worked in Finance but with Customer care, working in a school supporting families and children to a Fertility clinic supporting patients with IVF. Sharon is driven by compassion and has a genuine desire to help others. She believes empathy is at the heart of great customer service, always listening to the customer’s needs and offering guidance. She takes pride in creating a positive experience to all her customers, building trust and support and always listening to their needs. On a personal level, Sharon loves to spend time with her family and keeps herself young & fit with 3 grandsons.
Gina Wessels, Marketing Director
Gina Wessels brings over 20 years of global marketing experience across a variety of brands and sectors. She has deep expertise in digital marketing, brand strategy, and growth marketing. Gina holds an honours degree in Business Science from the University of Cape Town, a master’s in “Leadership in Disruptive Times” from INSEAD and a master’s in Executive Coaching from HULT Ashridge. Gina believes marketing is not just about campaigns but about reaching people with products and services that make a real difference to their lives.
Gina loves walking in the countryside with her (very vocal) 8 year old, black labrador and two burmese cats, mucking around at the yard or hosting friends with her very tall Belgian husband.