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Simba Sleep lifts approvals with Snap Finance deal

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SOFIAH NICHOLE SALIVIO

News Editor

Simba Sleep has expanded its finance offering through a partnership with Snap Finance UK, a move that lifted second-line finance approvals and average order value.

In the first six months, 17% of customers declined by Simba’s primary lender were approved through Snap. Simba said this was a tenfold increase on the acceptance rate achieved with its previous second-line lender. Average order value also rose by 50% after Snap’s option went live at checkout.

Simba, which sells mattresses and other sleep products online, added Snap to its existing multi-lender arrangement to reach shoppers who do not secure approval from mainstream lenders. The finance option was integrated into its online checkout through a Shopify plugin in three weeks.

Customers declined by Simba’s primary lender are directed to Snap’s payment options through a digital application process. Simba has also made Snap’s finance available earlier in the checkout journey, rather than limiting it to those turned down by a first lender.

The arrangement reflects a broader shift among retailers towards using more than one finance provider at the point of sale. Companies adopting that model are trying to capture demand from consumers who are willing to buy but may not meet the criteria of prime lenders.

Snap said more than 20 million financially underserved adults in the UK could benefit from wider access to retail credit, although it did not provide the source for that figure in the announcement. The lender positions itself as a complementary option for customers with limited credit history or non-standard income.

Retail finance

Point-of-sale finance has become a common feature of online retail, particularly for higher-ticket household purchases such as beds, sofas and appliances. For merchants, the appeal is reducing abandoned baskets and widening the pool of customers who can complete a purchase.

Simba said the rise in average order value suggests shoppers used the additional credit option to buy more than a single mattress, adding related items to their baskets. It linked the increase to greater customer confidence at checkout when more than one finance route is available.

Jon Moore, Marketing and eCommerce Director at Simba, described the early results as significant and said they supported the company’s aim of keeping its products accessible to more consumers.

He said: “At Simba, we’re continually exploring ways to maintain momentum as one of the UK’s most recognisable sleep technology brands. Working with Snap and leveraging its innovative, unique approach to inclusive, responsible finance strengthens our multi-lender strategy and helps make our products as accessible as possible. The results we’ve achieved in a short space of time have been hugely impressive, especially from a three-week onboarding process. Since launching, we have converted more customers by giving them more options at checkout, or, for those declined for finance, a valued second chance. That is clear proof of the impact a robust POS lending ecosystem can have on consumer confidence and buying power. Our partnership with Snap Finance also reflects our B Corp status and socially conscious operations, as Snap’s approach means we can offer financially underserved customers credit without an inaccessible APR price tag.”

For Snap, the Simba partnership serves as a case study for retailers that want to add a second lender without replacing their primary finance provider. Its role is to sit alongside mainstream providers and capture applications that would otherwise fail at the first stage.

Approval data

The figures released by Simba focus on outcomes after a customer has failed to secure finance from the first lender. A 17% approval rate among first-line declines means nearly one in six of those rejected initially went on to secure finance through the second option.

That matters for retailers because these customers have already shown buying intent and reached the point of applying for credit. If they leave the site after an initial rejection, the sale is usually lost.

Andy Smith, Chief Executive Officer at Snap, said the results showed how a multi-lender setup could expand access to finance while increasing sales conversion.

He said: “Our partnership with Simba is a clear demonstration of the benefits of a robust, multi-lender strategy, where Snap’s inclusive finance complements, rather than competes with, mainstream providers. Together, through inclusive, responsible lending, we’ve made sure that customers, such as those with limited credit history or non-standard income, are not left out when making high-value, needs-based purchases like mattresses. It has also highlighted how multi-lender strategies boost consumer confidence by closing the gap between intent and purchasing power. Our research tells us that 39% of customers are very or somewhat confident about which lender will approve them. By offering greater credit choice upfront and payment options better suited to them, retailers can convert bigger baskets from satisfied customers. Simba’s experience is proof of this in action.”

Snap said its affordability assessment draws on data from credit bureaux, open banking, Universal Credit and HMRC records as part of a digital income verification process. This allows it to assess applicants beyond conventional credit scores alone.

The partnership underlines how retailers are refining checkout finance options to reduce friction for customers outside prime lending criteria, while using additional credit routes to retain sales that might otherwise be lost after a first decline.



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New Banbury pottery cafe enjoys successful opening weekend

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Blossom Pottery Cafe opened on Friday, August 14 at 18 South Bar, bringing a new artistic opportunity to coffee, tea and cake lovers in the town.

Opening the cafe was a long-standing dream of owner Wendy, who began pottery as a personal hobby and gradually developed the idea of creating a space where people of all ages can enjoy the peaceful pass time.

Blossom Pottery Cafe BanburyPottery painting sessions of bisque fired pieces are hosted daily (Image: Blossom Pottery Cafe)

With every table full on opening weekend and dozens of beautiful pieces newly painted by guests, the owner said her ‘heart is so full’ to see the dream realised.

“So grateful to see so many of you coming to support us on our opening day,” she shared. “Thank you so much.”

Blossom Pottery Cafe BanburyOwner Wendy said her ‘heart is so full’ after the support shown during the opening weekend (Image: Blossom Pottery Cafe)

Wendy earlier said: “We’re incredibly excited to be opening Blossom Pottery Studio & Café and bringing something new to Banbury.

“We hope it becomes a place where people can take a break from their busy lives, enjoy being creative, and make lasting memories with family and friends.

Blossom Pottery Cafe BanburyCustomers who visited during the opening weekend got free cupcakes (Image: Blossom Pottery Cafe)

“The support we’ve received from the local community has been amazing, and we can’t wait to welcome everyone through our doors.”

As part of the grand opening, all customers who visited during the opening weekend or made a pottery painting booking within the next three months received a free cupcake from the cafe.

Blossom Pottery Cafe hosts family-friendly pottery painting sessions from 10am each day, with normal cafe opening hours 8am to 5pm.





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Apprentices say AI is reshaping tech skills demand

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Atos highlighted the views of three apprentices entering the technology industry, focusing on apprenticeships as a route into tech as artificial intelligence reshapes workplace skills.

All three work as First Line Service Desk Apprentices and described a jobs market in which technical knowledge alone is not enough. Alongside coding and troubleshooting, they said communication, customer service, problem-solving and adaptability have become central to early careers in IT.

Kyle Brady said he moved into an apprenticeship after studying physics, maths and computer science at A level, then spending time in temporary work, including as a forklift driver, while building his technical skills independently. The apprenticeship, he said, offered a way to gain workplace experience while continuing to learn.

His account points to a common hurdle for new entrants: gaining practical experience before securing a first role. Brady said that challenge shaped his view of what employers value in technology jobs.

“After completing my A levels in physics, maths and computer science, I knew I wanted a career in technology. I’ve always enjoyed solving problems and understanding how things work, but I found it difficult to get my foot in the door. I spent some time in temporary jobs, including as a forklift driver, while building my technical skills in my own time. When the opportunity to start an apprenticeship came along, it felt like the perfect way to gain real workplace experience while continuing to learn.

“One of the biggest things my apprenticeship has taught me is that a career in tech is about much more than technical knowledge. Working on the helpdesk has shown me how important communication, customer service and problem-solving are. Being the first point of contact for users has completely changed how I see the industry and helped me develop skills I never realised I’d need. The experience has also shown me how quickly technology is evolving, especially with AI becoming part of more workplaces. That means the ability to keep learning and adapting is becoming just as important as technical skills. My apprenticeship has helped me build that mindset while giving me hands-on experience with the realities of working in IT.

“It’s also opened up opportunities I wouldn’t have had otherwise. Learning about career paths in cybersecurity and data engineering has shown me the range of opportunities available and given me confidence about where my career could go next. I’d encourage anyone thinking about a career in technology to keep an open mind and not feel like university is the only route. Apprenticeships give you the chance to earn while you learn, develop practical skills from day one and build the confidence to adapt as technology continues to change. In an industry being transformed by AI, that real-world experience is invaluable,” Brady said.

Ryan Cresswell said he studied IT at college and games design at university before working in sales to strengthen his people skills. He later returned to technology, but said employers often wanted practical IT experience as well as qualifications.

His experience reflects a wider issue for people seeking entry-level technology roles. Employers often ask for evidence of workplace readiness even for junior positions, making apprenticeships one way to bridge the gap between education and employment.

“After studying IT at college and games design at university, I began working in sales to hone my people skills before returning to technology. One of the biggest challenges I faced while applying for jobs in tech was that employers liked my qualifications but wanted candidates with hands-on IT experience. That made it difficult to get my foot in the door.

“My apprenticeship has given me the opportunity to earn, learn and gain practical experience at the same time. It’s allowed me to develop my technical troubleshooting skills, but I’ve also learned a lot about communication, problem-solving and handling different types of people. My advice to anyone considering a career in tech is to explore the different paths available. In the past it felt like university was the only choice, but that’s no longer the case. Also, speak to people already working in the industry and stay curious. Apprenticeships are a great way to build skills, confidence and hands-on experience, whether working individually or in a team, while discovering what’s right for you. The most important thing is to keep learning and not be afraid to take a different path if the first one doesn’t work out,” Cresswell said.

Skills shift

Zainab Hussain said she chose an apprenticeship because it offered immediate workplace experience and a path into more senior roles without student debt. She said the role had helped her develop both technical and interpersonal skills, including troubleshooting problems and explaining complex concepts clearly.

Her comments underscore how apprenticeships are being framed by employers and trainees as an alternative to university for some digital roles. In this case, the appeal lies in earning while learning, building professional networks and gaining direct exposure to the daily demands of IT support.

“I’m naturally drawn to tech and have always been IT literate, so I knew it was the right path for me. It’s an industry that’s constantly evolving, and I wanted to be part of that. I chose an apprenticeship because it felt like the best way to gain real experience from day one, and it sets you up to move into higher roles faster than if you go to university. I also wanted to build a career in the industry without taking on student debt.

“My time at Atos so far has helped me develop both my soft and technical skills, such as how to troubleshoot problems and communicate complex concepts clearly. I’ve also had the chance to earn, learn and build my experience, all of which are helping prepare me for the next stage of my career. The apprenticeship path has given me valuable opportunities to network with co-workers from different career backgrounds and skill sets, which you wouldn’t get at uni. The workplace experience has been incredibly valuable, so if you’re interested in tech, I’d encourage you to go for an apprenticeship, explore every opportunity available and keep an open mind,” Hussain said.

Taken together, the three accounts point to a shift in the skills mix associated with junior technology roles. As AI tools become more common in workplaces, the apprentices said the ability to keep learning, work with users and adapt to changing systems is becoming as important as formal technical training.

All three also described apprenticeships as a practical answer to the experience barrier that can prevent candidates entering the sector. They framed the route as a way to gain income, training and exposure to real workplace problems at the same time, while opening paths into areas such as cybersecurity, data engineering and wider IT support.



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UK flight school collapsed into liquidation

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Liquidators have been instructed to wind down Go Fly Oxford, which provided lessons for commercial and private pilots licences.

Colin Wilson and Emma Mifsud, of Opus Restructuring & Insolvency, have been appointed as joint liquidators for Go Fly Oxford Ltd back in May 2025.

But new records filed by the liquidators have revealed an HMRC secondary preferential claim of £118,132.

Ten unsecured claims have been received by the liquidators totalling £60,314.

Further unsecured creditor claims estimated in the statement of affairs total £88,955, the published documents say.

(Image: Ed Nix)

Over the past year, liquidators say they investigated whether any recoveries could be made from directors or other parties, but concluded there were no further viable assets or claims.

Aircraft shown in the 2024 accounts at a book value of £238,181 had been sold before liquidation. The liquidators found the sales appeared to be at fair value and saw no basis for a claim over the transactions.

The aircraft sales happened about seven months before liquidation, outside the relevant period for a preference claim.

The aircraft were reportedly transferred to creditors and leased back so the company could continue trading.

A purchaser of a PA34-200 aircraft was said to owe £6,000. The liquidators received £4,980; the remaining £1,020 was treated as settled because the purchaser had paid a company liability instead.

Two employees were made redundant on 31 March 2025 and were given information to submit claims to the Redundancy Payments Service.

READ MORE: MOT centre and car shop collapses into administration

The flying school was based at Oxford Airport when it collapsed.

Its website, which has since been shut down, described the business: “At Go Fly Oxford we pride ourselves on offering a personal and tailored approach to pilot training.

“We know that people learn at different paces and in different ways, this makes catering for individual needs our main target.”

Oxford Airport’s main trade is pilot training. Flight schools at Oxford train pilots who go on to fly for more than 100 airlines in the UK and globally, including for British Airways.

Historically, the airport has been Europe’s foremost centre for professional pilot training with well over 40,000 students having started their careers there.

At one point, the airport’s runway was the busiest in the world with more than 235,000 movements a year (a take-off or landing) and up to 1,100 flights in a single day, its website says.

The business’ report says: “Over the course of 2025, the company will be complementing its Diamond DA40 fleet with a new fleet of Elixir aircraft, a safer and more efficient type of aircraft, which will provide a much reduced cost per flight hour.

“This, along with growth in enrolments and full utilisation of the European base will ensure the profitability of the business in the coming years.”





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