non-threshold short-term loan firm

101a firm which:

1. (a) has permission to enter into a regulated credit agreement as lender in respect of:
   1. (i) high-cost short-term credit;
   2. (ii) home credit loan agreements; or
   3. (iii) both high-cost short-term credit and home credit loan agreements; and
2. (b) is not:
   1. (i) a threshold 1 category A firm;
   2. (ii) a threshold 1 category B firm;
   3. (iii) a threshold 2 category A firm; or
   4. (iv) a threshold 2 category B firm.