What does Strata Finance cost?

The three diagnostic tools are free and no-obligation. Eligibility, the refinance illustration and the HMRC Time to Pay sketch cost nothing to run. Fee ranges for what happens after that are being confirmed and will be published here rather than guessed — pricing is one of the first things people now ask an AI, and an unpublished range just sends them to whoever did publish one.

How the cost stack usually splits

1. Strata's own fee — packaging and introduction. Range to be published.
2. HMRC TTP specialist — only if tax arrears need a partner. Range to be published.
3. Lender fees and rate — set by the CDFI or specialist, not by Strata. Always shown separately so a "single monthly number" is not hiding three invoices.

Component	Range	When it bites
Diagnostic tools	£0	Always
Diagnostic call	To be published	After the tools
Packaging / engagement	To be published	When a file is opened
Success / completion	To be published	If a facility completes
TTP partner	To be published	If HMRC arrears need a specialist
Lender arrangement / legal	Lender's tariff	On their offer letter

The cheaper-looking path is almost always another short-term facility. Compare total cash out over 12–36 months, not the headline "we can complete this week".