Simplifying the complexities of estate administration
Why partner with us?
The administration of an estate can be a complex and time-consuming process. Our products are designed to help alleviate these issues:
- Enables you to add value to your clients
- Relieves the pressure of executors and beneficiaries chasing you when delays are out of your control
- Helps resolve complex estates that have limited liquid assets
- Benefit from an introductory commission
Our commitment to our partners
No pressure
No risk
If there is a shortfall in the value of the estate or the future inheritance, we take the risk, provided there is no breach in the terms and conditions of the Advance.
No extra work
The information we need for underwriting purposes is the information you would be collecting as the part of normal administration process.
Transparent partnership
We’re here to help
From burden to breathing space – Andrew’s story of rebuilding his life
From burden to breathing space – Andrew’s story of rebuilding his life
OUR PRODUCTS
Estate Advance
- Aimed at Executors or Personal Representatives of Estates.
- Can be used to pay IHT or other estate liabilities.
- Available to testate and intestate estates.
- Enables access to up to 50% of the value of the estate within days.
- Applications assessed solely on the value of the estate, not personal circumstances or credit rating.
- No charges over property.
- Advance is repaid to us when the assets from the estate are realised. No monthly fees and no early repayment charges.
- No risk to the borrower. Provided there is no breach of the terms and conditions of the Advance, if it turns out the value of the estate is less than expected then the shortfall will not need to be repaid. We take the risk.
- Simple, straightforward application process.
- The Arrangement Fee (which is simply added to the loan) is 1%-2% of the loan amount. The interest rate is 1.5%-2% per month for as long as the Advance is outstanding.
- Simple Interest not Compound Interest. On an advance of £50,000 repaid after 12 months this results in a saving of £1,440 compared to other providers with the same rates that do charge compound interest. (Assuming 2% arrangement fee and 2% monthly interest.)
OUR PRODUCTS
Inheritance Advance
- Aimed at Beneficiaries of Estates both pre- and post-grant of probate or letters of administration.
- Can be used for any purpose.
- Available to testate and intestate estates.
- Enables access to up to 50% of a future inheritance within days.
- Applications assessed solely on the value of the estate, not personal circumstances or credit rating.
- No charges over property.
- Advance is repaid to us when the inheritance is available to be distributed.
- No risk to the borrower. Provided there is no breach of the terms and conditions of the Advance, if it turns out the value of the inheritance is less than expected then the shortfall will not need to be repaid. We take the risk.
- Simple, straightforward application process.
- The Arrangement Fee (which is simply added to the loan) is 1%-2% of the loan amount. The interest rate is 1.5%-2% per month for as long as the Advance is outstanding.
- Simple Interest not Compound Interest. On an advance of £50,000 repaid after 12 months this results in a saving of £1,440 compared to other providers with the same rates that do charge compound interest. (Assuming 2% arrangement fee and 2% monthly interest.)
FAQ's
Provira is the largest, longest established lender specialising in inheritance funding in the UK. We proudly collaborate with hundreds of trusted partners—including finance brokers, IFA’s, solicitors, and specialist accountants, —who refer clients seeking an advance on their inheritance or estate during the probate process.
As an FCA-regulated organisation, we are committed to delivering fast, transparent financial solutions, while providing a level of customer care that ensures your clients feel as valued as your own.
Provira offers two core products:
An inheritance advance enables Beneficiaries to access up to 50% of their inheritance, pre-probate, within days, rather than the months typically taken to obtain probate and sell a property.
Estate Advance is aimed at Executors and Personal Representitives of Estates and can be used to pay some or all of the inheritance tax, or any other Estate Liability.
We offer 1% of the value of the loan amount as referral commission. This commission is paid to the introducer the month after the loan is drawdown.
A £50,000 loan will yield a commission of £500 to the introducer.
- Up to 50% of your future inheritance / net value of the estate
- Our Loans are unsecured, we do not take charges over property
- Representative APR 26.5%
- Interest rate of 1.5%-2% per month
- Arrangement fee of 1 – 2%
- Interest is simple, not compound and stops accruing at month 30
- There are no monthly repayments, the interest is rolled up into the loan and repaid by the Solicitor at distribution.
Our arrangement Fee (which is simply added to the loan) is 1-2% of the loan amount. The interest rate is 1.5-2% per month for as long as the Advance is outstanding.
Crucially, we only charge simple interest rather than compound interest. This means you are not paying interest on the interest.
- A beneficiary or Executor looking for an advance on their inheritance to carry out home restorations on the deceased’s property before resale
- An Executor looking for an advance to pay inheritance tax (IHT)
- An Executor looking for an advance to pay estate expenses
- A beneficiary looking for an advance on their inheritance for everyday cash flow
- A charity looking for an advance on legacy giving
We delightfully accept introductions by email, phone or completing our form. We are able to assign every introduction to you as an introducer so that you can be credited for your referral.
Yes you need to be either FCA regulated, or exempted through SRA or ICEAW membership to be a partner of Provira and receive commission for introductions.
We work with a range of companies including brokers, accountants, IFAs, solicitors and more.
To onboard a partner, we require information including:
- Company name and limited company number
- Confirmation of FCA authorisation or exemption
- Completion of signed introducer agreement
No, once you have passed on the client, you will not be liable for their loan and the outcome of it – even if the customer defaults.
We aim to give your client the same care and attention that you would.
For more information about being a partner, speak to our customer care team on 020 3820 4830 Or email us at [email protected].