Easy access, good customer service - nothing at all really! I would say they are quite expensive for personal accounts but if you're looking into business or charity funding then this is worth it because of their great support team who will do everything in there power to help with your specific needs (or just be supportive!). There isn't anything that i have found so far which has been negative about using them however when applying online sometimes issues can occur such as slow loading times etc., try not to worry too much though these problems tend to resolve themselves over time once more customers/clients use similar services from other providers, we were approved very quickly without hassle. Great organisation providing high quality financial products & friendly staff always willing to assist where needed.