Privacy Policy

This privacy policy applies to Capital Business Loans Limited and to all of its trading styles, including SME Finance Hub and Practice Capital. We are an independent commercial finance brokerage authorised and regulated by the Financial Conduct Authority.

• Company: Capital Business Loans Limited
• Trading styles: SME Finance Hub, Practice Capital
• Registered number: 14491729
• FCA firm reference number: 1000382
• ICO registration number: ZB464621
• Registered office: Suite 31, Shiftworks, 14 Upper Northgate Street, Chester, CH1 4EE
• Data controller: Capital Business Loans Limited

Personal information

• Name, email address and phone number
• Business details (company name, registration number, trading address)
• Financial information (turnover, funding requirements, banking information)
• Credit history and business credit reports
• Identity verification documents

Technical information

• IP address, browser type and device information
• Website usage data and analytics
• Cookies and similar tracking technologies
• Communication records (calls, emails, messages and chat logs)

Primary purposes

• Process your business finance enquiry or application
• Match you with suitable lenders from our panel
• Support credit checks and risk assessments
• Communicate with you about the progress of your case
• Provide ongoing customer support and account management

Legal and regulatory purposes

• Comply with FCA rules and our regulatory obligations
• Support anti-money laundering (AML), ID and KYC checks required by lenders
• Verify identity and help prevent fraud
• Maintain records for the periods required by law
• Report suspicious activity to the relevant authorities

Business purposes

• Improve our services and website
• Understand market trends and client needs
• Send relevant marketing communications, where you have consented
• Request feedback and run customer satisfaction surveys

Authorised third parties

• Lenders: we share your case with suitable lenders on our panel
• Credit reference agencies: including Credit Safe, Experian, Equifax and TransUnion
• Companies House: to verify business registration details
• Professional advisers: legal, accounting and compliance consultants
• Technology partners: secure hosting, CRM, analytics and communication platforms

Regulatory bodies

• Financial Conduct Authority (FCA)
• Information Commissioner's Office (ICO)
• National Crime Agency (suspicious activity reports)
• HM Revenue & Customs, where legally required

We never sell your personal data. All sharing is done securely and only for legitimate business or regulatory purposes.

• Request copies of your personal data, and receive it in a portable format
• Correct inaccurate information or complete incomplete data
• Request deletion of personal data, subject to legal retention requirements
• Object to or restrict processing, and withdraw consent at any time

To exercise your rights, contact our Data Protection Officer at hello@capitalbusinessloans.co.uk or call 01244 906505.

Security measures

• Encryption in transit for all data submitted to us
• Client details stored in a secure, access-controlled CRM
• UK-based, monitored hosting and infrastructure
• Regular security reviews and staff data protection training
• Multi-factor authentication on business systems

Data retention

• Active cases: for the duration of the application process
• Completed cases: six years from completion (FCA requirement)
• Declined or withdrawn cases: three years from the decision date
• Marketing consent: until consent is withdrawn
• Legal requirements: as required by applicable law

Our websites use cookies and similar technologies to keep the site working correctly and to understand how it is used. You can control or delete cookies in your browser settings; some parts of the site may not work as intended if you do.

Data Protection Officer

• Email: hello@capitalbusinessloans.co.uk
• Phone: 01244 906505
• Post: Data Protection Officer, Capital Business Loans Limited, Suite 31, Shiftworks, 14 Upper Northgate Street, Chester, CH1 4EE

Regulatory complaints

• ICO (data protection): ico.org.uk | 0303 123 1113
• FCA (financial services): fca.org.uk | 0800 111 6768

We may update this privacy policy from time to time to reflect changes in our practices, technology or legal requirements. Material changes will be notified by email or by a prominent notice on our website.