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.
Advances you close per month10
Your fee after VAT9%
Who repays you
The landlord's fee is 9%, all of it yours.
Assumes the agency buying the rent is VAT registered.
Your annual income
£012345678901234567890123456789,012345678901234567890123456789
on top of your standard letting fees
Based on an average UK rent of £1,377 (ONS, March 2026) and a 10-month advance, after Wectory's and GoCardless's fees. An estimate before your own costs and tax, not a quote. How this is worked out
What your landlords actually ask for
Now you can say yes.
Property Refresh Pack
Landlord asks £5,460
£012345678901234567890123456789
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 £7,280
£012345678901234567890123456789
your income per advance closed
EPC C by October 2030 is confirmed government policy, with the regulations due in 2027. The average upgrade lands around £6,864. Your agency advances against the rent; the next 8 months of rent cover it.
See the packRefinance Bridge Pack
Landlord asks £8,190
£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 £40,950
£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 the rent on those five tenancies.
See the packSwitch-to-Let Pack
Landlord asks £3,185
£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 packWorked examples at a 9% fee where the landlord repays, after Wectory's and GoCardless's fees. An estimate before your own costs and tax, not a quote. How this is worked out
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 repaymentThe rent pays you back, month by month. You keep your fee.
We never hold or route the funds.
Rent collection on Direct Debit
A second income on tenancies you already manage. Swap standing orders for Direct Debit. No capital needed, no new pitch.
Tenancies on Direct Debit200
Monthly fee you charge the landlord£25
Your annual income
£01234567890123456789,012345678901234567890123456789
from Rent Collection on your book
Based on an average UK rent of £1,377 (ONS, March 2026), after Wectory's and GoCardless's fees. An estimate before your own costs and tax, not a quote. How this is worked out
A case for every failed payment
If a Direct Debit fails, a case opens and tells you whether GoCardless will try again.
Your collection account
Tenants pay your agency, not Wectory. Rent lands in your bank, in your agency's name.
No lock-in
No retainers. No minimums. No exit fees. Switch back to your current setup whenever it suits.
How your agency starts
Three steps from sign-up to your first deal.
Sign up
Set up 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 a Rent Advance, set the amount, period and your fee. For Rent Collection, add the tenancy. We set up the Direct Debits and check every payout.
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
Rent Advance is a purchase of rent, not a loan, and sits outside FCA consumer credit regulation. With a private landlord, your agency is repaid only from the rent the tenant pays - the landlord never pays from his own pocket. With a company landlord, consumer credit rules never apply.
VAT
The tenant pays the same rent, and nothing is added on top for the landlord.
Your Rent Advance fee already includes any VAT. If the tenant pays you, a sixth of the fee is VAT and goes to HMRC. If the landlord pays you, the fee carries no VAT.
Full VAT treatmentThree facts about Wectory
Factoring, not lending
ICO-registered
UK-based infrastructure
Open now
Set up your agency today
Wectory is open to UK letting agents and property managers. Create your account and set up your agency for Rent Advance and Rent Collection.
Get started