Inheritance advance providers compared

An inheritance advance lets a beneficiary get part of their inheritance before the estate is paid out. The provider is repaid from that inheritance, plus fees and interest. Here's what each UK provider publishes about its terms.

Read this first. This is not advice and not a recommendation. ProbateClock is not a broker, does not arrange loans and gets no commission. Providers are listed alphabetically, and nobody can pay to be listed higher or described differently. Terms change, and your quote depends on the estate. Always get the full terms, and the total amount repayable, from the provider before you sign.

How we checked: Terms copied only from each provider's own website on the date checked. Anything a provider does not publish is shown as 'Not published'. Listed alphabetically. No provider pays to be listed or for its position. Last checked: 18 October 2026.

At a glance

On a phone, scroll the table sideways. Full details and source links for each provider are below.

Provider (A to Z)	Advanced Inheritance	InheritNOW	Level	Provira	Untangled
Product	Inheritance Advance	Inheritance Loan	Inheritance Advance	Inheritance Advance	Inheritance Loan
Maximum advance	Up to 60% of the money you're due	Up to 50% of your inheritance	Up to 60% of your inheritance	Up to 50% of your share of the estate's net eligible assets	Up to 70% of expected inheritance before probate, 80% after probate
Minimum amount	Not published	£5,000 ("Loans as low as £5,000")	Not published	£20,000	£10,000
Maximum amount	Not published	Not published (over £250,001: "call to discuss")	Not published	No maximum ("from £20,000 to over £1 million")	Not published
Fees	Arrangement fee added to the loan; 1.95% in its representative example (fee range not published)	Page shows "24–30%, fee varies by loan size": £5,000–£20,000 = 30%; £20,001–£250,000 = 24%. Representative example adds a 2% origination fee.	1–2% administration fee	1–2% arrangement fee, added to the loan	2% arrangement fee
Interest	1.64%–1.89% per month (partner products page); representative example uses 21.5% a year fixed	Representative example: 24% a year, worked out as 2% a month, for up to 18 months	Not published ("can vary depending on the size and complexity of your loan")	1.5%–2% per month	Range not published; representative example uses 18.75% a year
Simple or compound interest	Not published	Not published	Not published (says interest is rolled up and charged daily)	Simple interest (stated)	Simple interest (stated)
Interest cap	Not published	Interest charged for a maximum of 18 months ("Interest free after 18 Months")	Not published	No more than 30 months' interest	Not published
How you pay	Interest + arrangement fee, repaid from your inheritance	Fee + interest, repaid from the estate	Interest + administration fee, repaid from your inheritance by the professional administrator	Interest + arrangement fee, repaid from your inheritance	Interest + arrangement fee, repaid from your inheritance
FCA status (as the firm states it)	Firm says it is authorised and regulated by the FCA (FCA number 1012148)	Firm says it is authorised and regulated by the FCA (FRN 977036)	Firm says it is authorised and regulated by the FCA (FRN 772858)	Firm says it is authorised and regulated by the FCA (FRN 946175)	Firm says it is authorised and regulated by the FCA for consumer credit (FRN 792153)
Source	Inheritance Advance page	Inheritance Loan page (pricing, example)	Inheritance Advance page	Inheritance Advance page (fees, example, FAQ)	Inheritance Loan page
Date checked	18 October 2026	18 October 2026	18 October 2026	18 October 2026	18 October 2026

Provider details (A to Z)

Advanced Inheritance

Legal entity: Advanced Inheritance Limited
Product: Inheritance Advance
Maximum advance: Up to 60% of the money you're due
Minimum amount: Not published
Maximum amount: Not published
Fees: Arrangement fee added to the loan; 1.95% in its representative example (fee range not published)
Interest: 1.64%–1.89% per month (partner products page); representative example uses 21.5% a year fixed
Simple or compound: Not published
Interest cap: Not published
How you pay: Interest + arrangement fee, repaid from your inheritance
Monthly payments: None required
Representative example: £40,000 advance, 1.95% arrangement fee, 21.5% a year fixed: £50,548 total payable after 12 months. Representative APR 26.4%.
FCA status (as stated): Firm says it is authorised and regulated by the FCA (FCA number 1012148)
Regulated credit agreement?: Its complaints page says its loans must comply with the Consumer Credit Act 1974
Other published terms: Says the loan is open-ended with no fixed repayment date, no personal liability if you keep to the agreement, and no charge on property. Says there are normally no credit checks.
Sources: Inheritance Advance page; Partner products (interest range); Best Price Guarantee (open-ended loans); Complaints (Consumer Credit Act)
Check the FCA Register: Search the register for this firm
Date checked: 18 October 2026

InheritNOW

Legal entity: Estate Resolutions Technologies (UK) Ltd
Product: Inheritance Loan
Maximum advance: Up to 50% of your inheritance
Minimum amount: £5,000 ("Loans as low as £5,000")
Maximum amount: Not published (over £250,001: "call to discuss")
Fees: Page shows "24–30%, fee varies by loan size": £5,000–£20,000 = 30%; £20,001–£250,000 = 24%. Representative example adds a 2% origination fee.
Interest: Representative example: 24% a year, worked out as 2% a month, for up to 18 months
Simple or compound: Not published
Interest cap: Interest charged for a maximum of 18 months ("Interest free after 18 Months")
How you pay: Fee + interest, repaid from the estate
Monthly payments: None required
Representative example: £50,000 borrowed, £1,000 (2%) origination fee, 24% a year (2% a month), no interest on the fee. If the estate takes 12 months: £64,412.08 total owed. Representative APR 28.8%.
FCA status (as stated): Firm says it is authorised and regulated by the FCA (FRN 977036)
Regulated credit agreement?: Not stated. Its FAQ describes the product as "the purchase of an agreed-upon percentage of the money you already expect to inherit".
Other published terms: Says it does not check your credit history and that you won't owe anything if your inheritance turns out smaller than expected. No early repayment fees. The page does not say whether the 24–30% figure is a yearly rate or a one-off fee, so ask.
Sources: Inheritance Loan page (pricing, example); FAQ; Terms and conditions (FCA status)
Check the FCA Register: Search the register for this firm
Date checked: 18 October 2026

Level

Legal entity: Integro Funding Limited (trading as Level)
Product: Inheritance Advance
Maximum advance: Up to 60% of your inheritance
Minimum amount: Not published
Maximum amount: Not published
Fees: 1–2% administration fee
Interest: Not published ("can vary depending on the size and complexity of your loan")
Simple or compound: Not published (says interest is rolled up and charged daily)
Interest cap: Not published
How you pay: Interest + administration fee, repaid from your inheritance by the professional administrator
Monthly payments: None required
Representative example: Not published on the product page
FCA status (as stated): Firm says it is authorised and regulated by the FCA (FRN 772858)
Regulated credit agreement?: Not stated on the product page
Other published terms: Non-recourse if you keep to the agreement. Runs a credit check. No early redemption fees. Requires a professional firm administering the estate.
Sources: Inheritance Advance page; FAQs (FCA status)
Check the FCA Register: Search the register for this firm
Date checked: 18 October 2026

Provira

Legal entity: Provira Limited
Product: Inheritance Advance
Maximum advance: Up to 50% of your share of the estate's net eligible assets
Minimum amount: £20,000
Maximum amount: No maximum ("from £20,000 to over £1 million")
Fees: 1–2% arrangement fee, added to the loan
Interest: 1.5%–2% per month
Simple or compound: Simple interest (stated)
Interest cap: No more than 30 months' interest
How you pay: Interest + arrangement fee, repaid from your inheritance
Monthly payments: None required
Representative example: £50,000 advance, 2% arrangement fee (£1,000), 24% fixed, interest on the advance and fee: £63,240 total owed after 12 months. Representative APR 26.5%.
FCA status (as stated): Firm says it is authorised and regulated by the FCA (FRN 946175)
Regulated credit agreement?: Not stated directly. Says you have 14 days to withdraw after signing.
Other published terms: Available before and after the grant, with or without a will. No personal guarantees or charges over your property. No early repayment fees. Requires a professional firm to handle distribution.
Sources: Inheritance Advance page (fees, example, FAQ); Beneficiary Loans page (minimum/maximum)
Check the FCA Register: Search the register for this firm
Date checked: 18 October 2026

Untangled

Legal entity: Ampla Consumer Finance Limited (trading as Untangled)
Product: Inheritance Loan
Maximum advance: Up to 70% of expected inheritance before probate, 80% after probate
Minimum amount: £10,000
Maximum amount: Not published
Fees: 2% arrangement fee
Interest: Range not published; representative example uses 18.75% a year
Simple or compound: Simple interest (stated)
Interest cap: Not published
How you pay: Interest + arrangement fee, repaid from your inheritance
Monthly payments: None required
Representative example: £15,000 borrowed, repaid after 12 months: £18,169 total (£2,869 interest, £300 arrangement fee) at 18.75% a year. Representative APR 21.2%.
FCA status (as stated): Firm says it is authorised and regulated by the FCA for consumer credit (FRN 792153)
Regulated credit agreement?: Says "Credit is subject to status and affordability checks"; describes itself as a lender of consumer credit
Other published terms: Runs a credit check. You will not usually owe a shortfall. The loan may become repayable early if you break its terms or your inheritance isn't received within 12 months. You and the estate must be in England, Wales or Scotland.
Sources: Inheritance Loan page; Terms and conditions (FCA status)
Check the FCA Register: Search the register for this firm
Date checked: 18 October 2026

Things the table can't tell you

Headline rates are not quotes. Several providers publish a range or a single example. Your price depends on the estate, the amount and the provider's assessment.
Interest grows with every month of delay. Check what the total would be at 12, 18 and 24 months, not just the example period. Our calculator shows how much the time matters.
Simple or compound? Two providers say they charge simple interest. The others don't say on the pages we checked, so ask.
"FCA authorised" covers the firm, not necessarily every product. A firm can be authorised and still offer a product that isn't a regulated credit agreement. Ask whether your agreement is regulated under the Consumer Credit Act, and check the firm on the FCA Register.
What if the estate takes longer, or is worth less? Ask what happens in each case. Some providers say you won't owe a shortfall if you keep to the agreement. One says the loan may become repayable early if your inheritance isn't received within 12 months.

Not included

We list firms that lend directly. These sites came up in our research, but on their own pages they describe themselves as introducers to a lender:

Proper Finance: Introducer: says it has partnered with Provira, so it doesn't lend itself.
Octagon Capital: Introducer: says its partners at Provira handle applications.

Are we missing a provider, or has a term changed? Tell us through the contact form. We'll check the provider's own website before changing anything.

Inheritance advance providers compared

At a glance

Provider details (A to Z)

Advanced Inheritance

InheritNOW

Level

Provira

Untangled

Things the table can't tell you

Not included

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