New revenue lines for UK letting agents and property managers
Rent Advance
Rent Collection
Grow Relationships
Cash advances against rent. Direct Debit rent collection.
Both branded as your agency. No integration, no lock-in.
We handle the mechanics, you get the profit.
What rent advance is worth on your book
Set your numbers. See your year.
10
9%
Your annual income
£012345678901234567890123456789,012345678901234567890123456789
on top of your standard letting fees
Modelled on an average UK monthly rent of £1,377 (ONS, March 2026) and a 10-month advance period. The figure above is what stays with your agency after platform fees.
What your landlords actually ask for
Now you can say yes.
Property Refresh Pack
Landlord asks around £5,000
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your income per refurb advance
A kitchen, a bathroom, a paint job, an urgent repair between tenancies on one property. Your agency advances against the landlord's other tenancies; the next 4 months of rent pay it back.
See the packEPC Upgrade Pack
Landlord asks around £6,864
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your income per advance closed
EPC C is law from October 2030. The average upgrade lands around £6,864. Your agency advances the cost; rent covers the advance over the next 8 months.
See the packRefinance Bridge Pack
Landlord asks around £8,000
£012345678901234567890123456789
your income per bridge advance
1.8 million UK fixed-rate mortgages expire in 2026. The remortgage often needs arrears cleared or a light refurb first. Your agency advances the cash; the next 6 months of rent pay it back.
See the packPortfolio Growth Pack
Landlord asks around £40,000
£0123456789,012345678901234567890123456789
your income per multi-tenancy advance
Your landlord wants the next property. The rent across the existing five funds the down payment on the sixth. Your agency arranges the advance against multi-tenancy receivables.
See the packSwitch-to-Let Pack
Landlord asks around £3,000
£012345678901234567890123456789
your income per converted property
A failed sale, a relocation, a mortgage prisoner. The property won't sell at the price they need - so they let it. Your agency manages the let and collects rent.
See the packEach card shows a worked example at a 9% factoring fee. Real deals vary by the rent, the period, and the fee your agency sets per landlord.
How a rent advance works
Take a landlord who needs cash. Here's how it plays out.
The askYour landlord asks for cash. You can say yes.
The termsYou agree the months of rent and the fee.
The advanceYou send the cash from your account, less your fee.
The repaymentDirect Debit collects 100% of rent. You keep the margin.
We never hold or route the funds.
Rent collection on Direct Debit
A second revenue line on tenancies your agency already manages. Swap the standing-order black box for Direct Debit. No new capital, no new pitch.
200
£25
Your annual income
£01234567890123456789,012345678901234567890123456789
from rent collection on your book
Real-time visibility
Every collection lands with a reason. Successes confirm immediately. Failures arrive with the cause.
Your collection account
Your agency stays merchant of record. Rent lands in your bank, branded as your agency.
No lock-in
No retainers. No minimums. No exit fees. Switch back to your current setup whenever it suits.
The figure above is what stays with your agency after platform fees.
How your agency starts
Three steps from sign-up to your first deal.
Sign up
We onboard your agency in five minutes.
Offer your landlords
Advance rent for the moments they ask for cash - EPC works, refurbs, refinance, the next property. Direct Debit collection for tenancies you already manage. Either, or both.
Open the deal
For an advance, set the amount, period, and your fee. For collection, add the tenancy. We handle the Direct Debit mandates, settlement, and reconciliation.
From people who know lettings
“In my career, I have worked with a large number of property technology companies. I chose to work with Wectory simply because they're solving a real problem - landlords want faster access to their rental income, and agents and property managers want a new way to add value and earn from that relationship. The Wectory team understands what it takes to bring this into the lettings market.”
Mark WitherspoonTwentyCi, formerly Zoopla, HomeLet & Hometrack
Your money never lands in our account
Wectory never holds, routes, or transmits funds. Rent moves by Direct Debit straight into your collection account, branded as your agency. Your bank, your balance.
Factoring, not lending
A rent advance is structured as factoring - assignment of future rent receivables, not a loan. Your agency does not need an FCA consumer credit licence to offer it.
VAT-exempt income
Your factoring fee is VAT-exempt under UK tax law - it counts as a financial service. No new registration, no change to your VAT position.
Built for regulated environments
No FCA licence required
GDPR compliant
UK-based infrastructure
Rent factoring is a financial service, not lending. Your agency does not need an FCA consumer credit licence to offer it.
Limited access
Onboarding agencies now
Wectory opens through 2026 to a small group of UK letting agents and property managers. We onboard your agency to Rent Advance and Rent Collection when your slot opens.
Request access