As a duty of care to protect our borrowers, we ensure that all projects comply with FCA (Financial Conduct Authority) regulations. We also carefully assess every project contextually and against KPIs (Key Performance Indicators). We require all our projects to have planning permission (with the exception of Planning Gain finance product). We assess projects based on key performance factors such as the Profit on Cost, Loan to GDV, Loan to Value and Loan to Cost.