Terms
Load a price structure, then adjust anything below. London Bridge terms are loaded by default.
Quantum tiers
| Tier | Share of volume | Effective | Price per opportunity | Avg redress |
|---|---|---|---|---|
| Above £500 | % | — | £ | £ |
| Above £1,000 | % | — | £ | £ |
| Above £2,000 | % | — | £ | £ |
| Above £3,000 | % | — | £ | £ |
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Fee income is the fee rate applied to each tier's average redress, restricted by the SRA band caps, then weighted by volume share. Shifting volume into higher tiers raises the blended redress and the fee per win with it.
Non-overdraft opportunities
Two streams on London Bridge's terms: opportunities on clients whose overdraft we buy, and opportunities on clients banking outside the acceptable list.
London Bridge have said the uplift reduces once gateway criteria apply, and that stricter criteria narrow it further. This is the control for that.
Stream A — billable overdraft clients
Stream B — clients banking outside the list
Overdraft lenders
Weighting and direct win rates from our settled outcomes. Fee per win is set by the quantum tiers above, not by lender. A price override applies where London Bridge prices that lender separately.
| Bank | Share | Direct win | Price override |
|---|
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Non-overdraft lenders
Weighting and outcomes across the thirteen lenders with settled data. The four lenders London Bridge require us to add carry no assumed income.
| Lender | Share | Direct win | Fee per win |
|---|
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