You've been invited to the Privo pilot. I'm your Capital Partner — let's confirm it's you.
Let's get you in.
Code sent — resend
That code's not right — check and try again. Your email and mobile are still saved.
See what happens if:
Already onboarded? Log back in instead
We matched you using Companies House and Ofsted records — nothing to type.
This is Better Oasis, right?
Legal nameBetter Oasis Ltd
Company number11284730
RegulatorOfsted · Registered
Registered officeChelmsford, Essex
We couldn't find an exact match on that number. We've flagged this for a quick manual check — you can carry on and we'll follow up before funding.
One quick check on what you're allowed to do here — identity comes next, and it won't hold up your account.
What's your role at Better Oasis?
This is your account, not a credit decision. You can start below right away — identity can finish in the background.
Your Privo account is ready.
CompanyBetter Oasis Ltd
Account statusRestricted active
See what happens if identity check comes back:
Verify your identity
About 20 seconds — doesn't hold up your account or facility activation
Facility activation is a separate step — start it now, whether or not identity has finished.
This is the one thing we can't retrieve ourselves — everything else, we already have.
1 of 2
Can we see your last 12 months of bank statements?
See what happens if the upload is:
Drop PDFs here, or take a photo
Covers 30 Sep 2025 – 29 Sep 2026 · original statements, not summaries
You can leave and come back — we'll keep what you've already sent.
Checks in progress
Nothing needed from you right now — here's exactly where things stand.
We're reviewing what you sent.
See what happens if the decision is:
Offer ready
Our credit team has approved a facility. Here's what it means in practice.
Here's what we can offer Better Oasis.
Facility ref PRV-FAC-61190 · Issued 1 Oct 2026 · Offer valid 14 days
Facility limit
£150,000
Type
Confidential invoice discounting
Advance rate
85%
Pricing
1.75% per invoice + 3% over base
Eligible debtors
Essex County Council + approved LAs/NHS
Funds land
Same day, once an invoice's approved
In practice
A £20,000 invoice gets you £17,000 immediately. The remaining £3,000, less fees, lands once the council or NHS trust settles — whether that's on time or late.
Approved subject to: your first invoice being manually verified, and an updated aged-debtor report every 30 days while any invoice is outstanding.
No set-up fee, no minimum annual charge, no exit fee — you only pay the rate above on what you actually draw.
Facility agreement — viewPersonal guarantee — viewPre-acceptance disclosure — viewCopy a summary to send on — e.g. to your accountant
Security: personal guarantee from Ruziwo, plus assignment of eligible receivables. Debtors are not routinely told about this — Better Oasis keeps collecting as normal.
If Better Oasis can't repay what's drawn, Ruziwo is personally responsible for the shortfall — it isn't capped to money already invested in the business. We'd recommend independent legal advice before signing.
Type your full name to sign
Signing a personal guarantee has to come from an authorised director — not something a finance user can accept on Better Oasis's behalf.
Sent to Ruziwo's registered email · expires in 72 hours
You'll see this update the moment they act — no need to check back manually.
See what happens if:
M
Marcus · Credit
I'm taking a closer look at this one personally — I've got everything the AI already gathered, so you won't need to repeat anything. I'll be in touch within 2 business days.
We're not able to offer a facility right now. This is often about timing rather than a permanent no — in this case, trading history is a little short for the facility size requested. You're welcome to reapply once you have another set of filed accounts.
Talk to us about this
Welcome to Better Oasis's Privo Home.
£150,000
Available · nothing drawn yet
Your invoices
No invoices funded yet — your first one starts here.
Facility activated · today
Conditions apply — see Facility documents
Try it: a second invoice at the same time
Shows shared headroom and the per-debtor concentration limit working together.
Simulate a second Essex CC invoice (£60,000)Simulate one from a different debtor (£15,000)
Manage your facility
Request a limit increaseReuses the same evidence-and-decision process as your original approval
Signatories — Ruziwo (director)Add or remove who can sign for Better Oasis
Account
Close my account
Just the invoice — no form. We'll read it ourselves.
Add the invoice you want funded.
See what happens if the invoice is:
Drop a PDF, or take a photo of the invoice
One field's worth a second look — everything else read clean.
Here's what we read from your invoice.
See what happens if:
Checks in progress
This is on the fast path — expect an outcome within two hours.
We're checking this one now.
See what happens if this invoice hits:
00:00 elapsed
Offer ready
Your offer's ready.
See what happens if:
£36,125.00
Net cash now
Invoice value
£42,500.00
Advance rate
85%
Total estimated fee
£850.00
Expected settlement
29 Oct 2026
What happens next
When Essex County Council pays this invoice into your account, you pass that payment to us. The fee's already fixed — it doesn't change if they pay early or late within terms.
This offer's expired — since a little time's passed, we want to make sure the numbers are still right.
Indicative until funds are sent. Confidential — Essex County Council is not notified of this arrangement.
Payment being sent
£36,125 is on its way.
See what happens if:
Amount£36,125.00
ToAccount ending 4821
Payment referencePRV-FND-30291
Expected arrivalToday
Repayment due
Essex County Council's payment is due around now — let us know when it lands.
Has Essex County Council paid this invoice?
See what happens if:
InvoiceBO-2026-0143 · £42,500.00
Already advanced to you£36,125.00
Fee£850.00
Residual due back to you£5,525.00
Document
Help
privo Signing task
This link was sent to you directly — you're seeing only what needs your signature, nothing else about Better Oasis's account.
You're being asked to personally guarantee this facility.
If Better Oasis can't repay what's drawn, you're personally responsible for the shortfall — it isn't capped to money already invested in the business. We'd recommend independent legal advice before signing.
Type your full name to sign
You're not signed in to Better Oasis's Privo account, and this link won't take you there.