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OMS adds Curvestone AI compliance checks for mortgages

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One Mortgage System has integrated Curvestone AI’s compliance checking into its mortgage case workflow. The feature is already live with TMG Mortgage Network and Connect for Intermediaries.

The integration adds automated checks to cases submitted through the OMS platform, used by mortgage intermediaries and lenders in the UK. Submitted files are reviewed for completeness, consistency and compliance, with issues such as missing documents, data mismatches, suitability gaps and regulatory exceptions flagged within the existing OMS interface.

This allows compliance teams to assess every submitted case rather than rely on sample-based file reviews. The system examines documents including fact finds, income evidence, bank statements, identification, suitability letters and other supporting paperwork against a firm’s compliance checklist.

The process does not require brokers to change how they submit cases or learn a separate system. Each check also generates an audit trail showing what was reviewed, what was found and the basis for each finding.

Curvestone said it developed the compliance checking technology through engagement with the Financial Conduct Authority’s Innovation programme. That work helped shape explainability and audit requirements for AI-assisted compliance decisions.

For OMS, the move adds another function to a platform that already handles customer relationship management and loan origination. The business has more than 3,200 broker subscribers and has built lender origination systems for nine lenders, while lending transacted by users of the platform averaged GBP £1.7 billion a month in the second half of 2025.

Neal Jannels, managing director of OMS, said the integration fits the company’s focus on cutting administration in the mortgage submission process.

“Everything in OMS is about reducing re-keying and reducing the time required for brokers to submit a case,” said Neal Jannels, Managing Director of OMS. “This integration adds a new layer to that. Compliance should support brokers, not slow them down – and by embedding Curvestone’s capability directly into the OMS case journey, every submitted case gets reviewed to a consistent standard, with issues flagged to the case checker immediately.”

Early users

TMG Mortgage Network and Connect for Intermediaries are the first named users of the new workflow. TMG has more than 300 advisers, while Connect for Intermediaries has more than 350 advisers and access to more than 200 lenders.

The rollout indicates the target market for the integration: mortgage networks and intermediary firms handling large volumes of case files and compliance reviews. In those businesses, file checking can be labour-intensive, particularly when teams review only a sample of submissions because of time and staffing constraints.

Dawid Kotur, Chief Executive Officer and Co-Founder of Curvestone AI, said the traditional balance between full oversight and cost had become difficult for firms to sustain.

“The mortgage industry has accepted a trade-off in compliance oversight that shouldn’t exist: review everything even as your adviser base grows, and go broke, or sample-check and hope for the best,” said Dawid Kotur, Chief Executive Officer and Co-founder of Curvestone AI. “This integration makes it possible for every submitted case to be reviewed to a consistent standard, with issues being surfaced immediately. It’s 100% coverage without adding headcount, and outputs explainable enough to satisfy a regulator. It doesn’t replace human judgement but it ensures human judgement is applied where it matters most.”

At TMG, the system has been introduced as part of a broader investment in technology and operational support. The network said the aim is to use automation to free up staff time for training and adviser development rather than replace employees.

“TMG is investing heavily in the infrastructure, technology and people needed to become the leading mortgage network in the UK. We are going all in on AI, not to replace people, but to free up resource so we can invest even more time into training, development and helping our members grow. Our ambition is clear: to give advisers the best tools, the strongest support and the best platform in the market to build bigger, more profitable businesses. This is the start of a long-term AI partnership with Curvestone and another clear statement that TMG is here to lead and here to make a mark,” said Scott Thorpe, Founder and Chief Executive Officer of TMG Mortgage Network.

Review times

Connect for Intermediaries said the new process is already reducing review times. Work that would usually take between two and three hours for a file review can now be compressed into minutes, allowing compliance staff to focus on feedback and coaching.

That matters in a market where firms are under pressure to maintain oversight standards across growing adviser bases. Consumer Duty and wider conduct expectations have pushed mortgage businesses to show not only that checks are in place but also that decisions and interventions can be evidenced.

Liz Syms, Chief Executive Officer of Connect for Intermediaries, said the system was designed to support that approach.

“At Connect, we’ve always believed that technology should strengthen compliance standards, not just add process. Working with Curvestone, we are starting to see the system compress what has traditionally been a two-to-three-hour file review into minutes. That ultimately frees our file reviewers to concentrate on higher-skilled work such as the feedback and coaching that genuinely raises adviser standards. It means better oversight across a larger volume of cases, which is better for our advisers, our compliance team and ultimately our clients,” said Liz Syms, Chief Executive Officer of Connect for Intermediaries.

The integration is due to be made available across the wider OMS client base, with tailored compliance checklists for larger firms and a standard setup for smaller businesses.



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March is busiest month for UK startup address sign-ups

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SOFIAH NICHOLE SALIVIO

News Editor

Hoxton Mix has published an analysis of more than 29,000 virtual office and registered address sign-ups, showing that UK industries tend to establish new business presences at different times of year. The data identifies March as the busiest month overall.

The London-based provider examined 29,070 subscriptions recorded between 2017 and May 2026 and grouped businesses across 21 industry sectors by their primary UK Standard Industrial Classification code. The figures suggest there is no single national startup season, with sector patterns differing sharply across the economy.

March produced 2,951 sign-ups and was the peak month for six sectors: Information & Communication, with 892 sign-ups; Professional, Scientific & Technical Activities, with 833; Wholesale & Retail Trade, with 719; Real Estate, with 275; Healthcare, with 125; and Finance, with 107.

That concentration suggests the spring surge was driven mainly by service-led and knowledge-focused parts of the economy. Those sectors account for more than half of the startup activity covered in the analysis.

Different rhythms

Outside March, the pattern becomes more fragmented. May was the annual peak for six further sectors, including Manufacturing, with 127 sign-ups; Transport & Storage, with 101; Agriculture, with 13; Mining & Quarrying, with six; Household Activities, with 24; and Other Service Activities, with 176.

Several industries peaked at other points in the year. Administrative & Support Services reached its highest level in January with 429 sign-ups, while Accommodation & Food Services also peaked that month with 107.

Education and Arts & Recreation followed a different timetable, with both reaching their high point in April. The figures showed 130 sign-ups for Education and 144 for Arts & Recreation in that month.

Construction stood apart from the wider trend, reaching its annual high in August with 228 sign-ups. It was one of the few major sectors not to peak during spring.

Sector timing

The findings point to different operating cycles across industries rather than a single moment when founders are most likely to set up. Businesses tied to project pipelines, seasonal demand or professional services appear to choose different points in the calendar when arranging a registered or virtual office address.

The data is based on subscriptions for virtual offices and registered addresses rather than total UK company incorporations, so it reflects behaviour among firms choosing that type of business presence. Even so, the scale of the dataset offers a view of how timing differs between sectors.

The records span nearly a decade, covering subscription activity from 2017 onwards. Using SIC classifications, Hoxton Mix mapped sign-up volumes against each month of the year to identify recurring peaks.

For information and communication businesses, the numbers suggest spring remains the strongest period for setting up an address presence. Professional services and retail businesses showed a similar pattern, reinforcing March as the busiest point of the year for a large share of service-based activity.

By contrast, January appears to hold more appeal for some operational and customer-facing sectors. Administrative and support services, along with hospitality-related businesses, recorded their highest sign-up levels at the start of the calendar year.

Construction’s August peak marks one of the clearest breaks from that pattern. The timing may reflect the sector’s own commercial cycle, which differs from office-based and consumer-facing businesses.

A brief explanation accompanied the release of the figures.

“New founders often ask when the best time is to start a business, but our data suggests that’s the wrong question. The real question is: when is the best time to start your type of business? Technology founders appear to launch in spring, construction businesses build momentum later in the year and hospitality businesses often favour January. These aren’t random patterns – they reflect the different commercial cycles, customer demand and opportunities within each industry. It’s a reminder that successful founders aren’t simply following the calendar. They’re timing their launch to give themselves the strongest possible start,” said Chris Sees, Chief Executive Officer, Hoxton Mix.



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Muscle Food at risk of closing after entering administration

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Muscle Food has offered customers “quality” meat, high-protein meals, supplements, and more for 13 years (founded in 2013).

The brand has built its reputation on offering “macro-friendly” meal options, calorie-controlled bundles, and nutritional transparency, aiming to support customers’ health and fitness goals.

Its website explains: “Muscle Food brings together high-protein meats, curated hampers, supplements, snacks and functional drinks to support every goal.

“From lean, macro-friendly cuts to calorie-packed bulking options, our range is built to fuel performance, recovery and everyday healthy living.

“We focus on quality, clear nutrition and products that help you stay consistent, and we are always expanding to support your journey!

“Every order is carefully packed for freshness and delivered straight to you, making it easy to stay stocked with the food that powers your progress.

“With dependable delivery and consistent quality, MuscleFood fits seamlessly into your routine so you can focus on your goals.”

Muscle Food falls into administration

After 13 years, Muscle Food has now confirmed it has fallen into administration.

Stuart Kelly and Claire Harsley from Mackay Goodwin Limited were appointed joint administrators on July 21, according to The Gazette.



Despite its financial trouble, the company’s website remains online, along with a notice stating the joint administrators are now managing the business and its assets.

Muscle Food said: “The affairs, business and property are managed by the Joint Administrators, who act as agents of Muscle Foods Limited (In Administration) and without personal liability.”

Customers “very distressed” as Muscle Food at risk of closing

Muscle Food has built up a loyal customer base over the past 13 years, maintaining a 3.7-star rating on Trustpilot.

One long-time customer said: “Brilliant service, from delivery to the quality of the meats bought. My family and I have been using Muscle Food since their start-up.

“I first started buying for my family, and now my daughters have grown and have children of their own and now use Muscle Food too.

“I was VERY distressed to hear that they had gone into administration.

“Keep going Guys. There are thousands of us who appreciate you.”

Other UK companies that have closed or entered administration/liquidation in 2026

It has been a tough year for the UK high street, with several other retailers entering administration or liquidation and others announcing widespread store closures.

Major high street brands LK Bennett, Claire’s, and Quiz have been forced to close all their remaining stores after falling into administration.

UK fashion retailer Leading Labels is also set to close its remaining 15 stores after falling into liquidation.

Whitbread recently confirmed it will be closing all its UK restaurants in September:

  • Brewers Fayre (89 locations) – September 7
  • Beefeater (106) – September 10
  • Bar + Block – September 3
  • Table Table – September 3
  • Cookhouse + Pub – September 3

TG Jones and the British Heart Foundation will also both be closing around 150 stores across the UK.

Other retailers have been forced to close stores this year, including:



Several UK travel companies have also ceased trading or entered administration in 2026:

Meanwhile, four UK airlines have fallen into administration or liquidation:



UK delivery company Yodel is set to be phased out after being acquired by InPost.

It’s also been reported that Morrisons is looking to sell some of its in-store pharmacies as it continues to cut costs.

It hasn’t all been bad news for the UK high street, with several major brands announcing new store openings for 2026, including Aldi, M&S, and Superdrug.

Plus-size clothing brand Evans also returned to the UK high street recently after closing all its stores and concessions in December 2020.

Bodycare has also returned to the UK high street in 2026 after closing all its stores last year, having fallen into administration.

Do you use Muscle Food? Let us know in the poll above or in the comments below.





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Ecommpay shortlisted in seven Payments Awards categories

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SOFIAH NICHOLE SALIVIO

News Editor

Ecommpay has been shortlisted in seven categories at the Payments Awards, including two individual Women in PayTech honours.

Its Head of Regulatory Compliance, Alpa Jotangia, and Chief Marketing Officer, Miranda McLean, are finalists for the Women in PayTech award. Ecommpay is also in contention for Best Online Payments Solution, Best Merchant Acquirer or Processor, Cross-Border Payments Solution of the Year, AI-Driven Fraud Prevention Platform of the Year, and Best Use of AI and Data in Payments.

The shortlist spans both corporate and individual categories in an awards programme that recognises businesses and executives across the payments sector.

Ecommpay operates a full-stack payments platform for merchants, with cross-border commerce at the centre of its offer. Merchants can access global and local acquiring, payment processing, and orchestration through a single API, alongside more than 100 payment methods.

Fraud prevention was one of the areas highlighted by the shortlist. Ecommpay cited its in-house Graph Analysis system as part of its response to payment fraud, a growing issue in digital commerce.

The individual nominations reflect different parts of the business. Jotangia was recognised for her work in regulatory compliance and for building a compliance culture within organisations.

McLean’s nomination centres on her marketing career and her work on inclusion, accessibility, and diversity in financial technology. Financial inclusivity sits at the heart of Ecommpay’s wider mission and shapes how it supports merchants seeking to improve accessibility for end customers.

AI focus

Artificial intelligence features prominently in the company’s awards showing. Alongside the AI-Driven Fraud Prevention Platform of the Year category, Ecommpay was shortlisted for Best Use of AI and Data in Payments, reflecting its use of machine learning and data analysis in payment processing.

Ecommpay has invested in artificial intelligence to analyse payment declines and fraud patterns. That work forms part of a broader push to improve checkout performance and payment acceptance rates for merchants.

McLean commented on the recognition in a statement.

“At Ecommpay, we are on a mission to push checkout performance to its absolute limit. As well as committing to increasing accessibility and inclusivity across our platform, adding to our suite of available payment methods and using the latest tech to fight fraud, we have invested in artificial intelligence to analyse payment declines and transform FinTech performance. To have our people, our innovations and our successes recognised with no less than seven Payments Awards shortlistings is incredible,” said Miranda McLean, Chief Marketing Officer, Ecommpay.

Company profile

Founded in 2012 and based in London, Ecommpay serves merchants looking to manage domestic and international payments through a single provider. Its platform includes open banking, recurring billing, and direct debits, which it builds directly into its system rather than relying on third-party products.

The business is authorised by the Financial Conduct Authority under the Payment Services Regulations to provide payment services. It is also a principal member of Mastercard and Visa, according to the company.

The seven shortlistings give Ecommpay visibility across some of the most competitive parts of the payments market, including online payments, merchant acquiring, cross-border transactions, fraud prevention, and the use of artificial intelligence in payment operations.

These categories highlight where payments groups are under pressure to differentiate, particularly as merchants seek fewer providers, broader geographic reach, and stronger fraud controls.

Ecommpay said ultimate financial inclusivity is its company mission, with a focus on helping merchants improve accessibility for customers.



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