Terms & Conditions

• Matching professional practices with suitable lenders from our panel
• Assisting with the preparation and submission of funding applications
• Providing guidance on the funding options available to your practice
• Carrying out an initial assessment of affordability and creditworthiness
• Facilitating communication between you and prospective lenders

We are authorised and regulated by the Financial Conduct Authority under firm reference number 1000382. Our permitted activities include credit broking and debt counselling in relation to commercial finance. Not all of our activities are regulated by the Financial Conduct Authority.

• Provide accurate, complete and up-to-date information
• Respond promptly to requests for additional documentation
• Tell us immediately about any material change in your circumstances
• Comply with regulatory requirements, including AML and identity checks
• Act in good faith throughout the application process

• Assess your funding needs properly before approaching lenders
• Present your application only to lenders we consider suitable
• Provide clear information about any fees, charges and commission
• Handle your personal data in accordance with UK GDPR
• Treat you fairly and act in your interests when providing guidance

We do not charge you any upfront fees or success fees. There are no broker fees payable to us at any stage — not for the initial conversation, application processing, credit searches or lender matching.

• We receive commission directly from the lender for a successful introduction
• Commission typically ranges from 0.5% to 10% of the total facility value
• The commission is included in the cost of the facility by the lender
• Commission rates vary by lender and facility type
• No upfront fees are payable to us — all payments are made to the lender

• Most lenders will require personal guarantees from principals, partners or directors
• Some lenders may request security over business assets
• A debenture over the practice may be required by certain lenders

• Charges against property — commercial or residential — will be required
• A security valuation may be needed
• Legal charges will be registered against the secured property

• Facility sizes: £5,000 to £250,000+
• Terms: 3 to 72 months (longer for secured facilities)
• Rates: vary with risk assessment and facility type
• Repayment: monthly, weekly or alternative arrangements

• We operate under FCA rules and guidance
• Regular compliance monitoring and reporting
• Treating Customers Fairly (TCF) principles
• Professional indemnity insurance in place
• Complaints handled in accordance with FCA rules

• Identity verification for all new clients
• Source of funds and source of wealth checks
• Ongoing monitoring of business relationships
• Suspicious activity reporting to the relevant authorities
• Regular staff training on AML procedures

• Full compliance with UK GDPR and the Data Protection Act 2018
• Secure processing and storage of personal data
• A lawful basis for every processing activity
• Regular data protection impact assessments

• We cannot guarantee approval from any lender
• Rates and terms are determined by lenders, not by us
• We are not responsible for lender decisions or delays
• Our guidance is general and may not suit every circumstance

• Our liability is limited to the amount of any fees actually paid to us
• We accept no liability for indirect, consequential or special damages
• Professional indemnity insurance is held to regulatory requirements
• Events beyond our reasonable control are excluded

These Terms are governed by English law and are subject to the exclusive jurisdiction of the English courts.

We may update these Terms from time to time. Material changes will be notified in advance and continued use of our services constitutes acceptance.

If any provision of these Terms is found invalid or unenforceable, the remaining provisions continue in full force and effect.