Last Updated: 11^th June 2025

Welcome to Capital Business Loans (www.capitalbusinessloans.co.uk) These Terms of Business (“Terms”) govern your use of our website and the services we provide, including but not limited to business loan applications and related services. By accessing our website or engaging with our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

1. About Us

Capital Business Loans Limited is a limited company registered in England with the company no. 14491729 who’s registered office is at Suite 31, Shiftworks, 14 Upper Northgate Street, Chester, CH1 4EE We are registered with the office of the information commissioner with the reference ZB464621. Capital Business Loans Limited are also authorised and regulated by the Financial Conduct Authority with the reference no. 1000382. Capital Business Loans Limited is an independent business finance brokerage who will aim to secure business loan offers for your business from a panel of business lenders across the UK. Capital Business Loans Limited is a finance brokerage and not a direct lender.

2. Definitions

• “You” or “Your”: The individual or entity accessing our website or services, including any authorised representatives.
• “Services”: All services provided by Capital Business Loans, including loan application processing, financial consultations, and related support.
• “Website”: www.capitalbusinessloans.co.uk and any associated subdomains.

3. Eligibility

To use our Services, you must:

• Be a business or sole trader registered and operating in the United Kingdom.
• Be an individual who has an address in the United Kingdom who is at least 18 years old and acting for purposes within your trade, business or profession.
• Provide accurate and complete information during the application process.
• Comply with all applicable laws and regulations, including those related to financial services.

4. Our Services

We provide the following Services:

• Loan Application Processing: Facilitating applications for business loans through our network of lenders.
• Brokerage Services: Acting as an intermediary between you and third-party lenders. This will include support during the application process to ensure a quick and smooth decision process.
• Loan document support: As an intermediary we will liase with you and the lender to ensure the smooth processing of any paperwork that needs completing.

We do not guarantee loan approvals, as decisions are made by third-party lenders based on their criteria. Some lenders may provide an initial quote or an indicative offer which will not be a full actual offer of finance. All indicative offers are subject to final checks prior to a full offer of finance. We will always act in our best interests to match your business with the most appropriate and available business loan offer through our panel of business lenders.

5. Your Obligations

When using our Services, you agree to:

• Provide accurate, current, and complete information during the loan application process or when communicating with us.
• Notify us promptly of any changes to your business, personal or financial circumstances that may affect your application.
• Use our website and Services only for lawful purposes and in compliance with these Terms.
• Not misuse our website, including by introducing viruses, malware, or engaging in fraudulent activity.

6. Application Process

• Submission: You may apply for a loan through our website or by contacting us directly via phone, email or whatsapp. Applications require submission of financial and business information, which we will share with lenders. Lenders will also require personal information for directors and major shareholders. This will usually include full name, D.O.B, contact details and address details.
• Assessment: We will conduct a review of your information before submitting any funding applications to the most relevant lenders.
• Documentation: The minimum information we require is basic financial information on your business and directors details. The majority of applications will require a copy of your latest full accounts and last 3/6 months business bank statements. Some applications may require further information such as management accounts, VAT returns, HMRC debt information and cash flow forecasts.
• Decision time frame: We work with a variety of lenders who can either offer instant loan decisions whereas some lenders may require a few working days to a couple of weeks. Secured loans can take longer than this. We will always keep you up to date on how long the decision process which each lender is likely to be.
• Credit checks: We may carry out identity and credit checks on each business, to help detect and prevent fraud. These checks may include credit checks on the business and the business owners or directors which are visible on your credit report but do not impact your credit rating. You agree that we may use the data provided by you for these purposes, on the basis more fully described in the Privacy Policy. Lenders will also carry out credit checks to provide you with a full loan offer. These checks can be in the form of a soft credit search or a hard credit search on the business or the directors listed on the application.

7. Third-Party Lenders

• We work with a panel of third-party lenders to find suitable loan options for you.
• Loan terms, interest rates, and repayment schedules are determined by the lender and will be outlined in a separate loan agreement between you and the lender.
• We are not a party to the loan agreement and are not liable for any disputes arising between you and the lender.

8. Fees and Payments

• Finance Providers pay us commission for introducing businesses that proceed with funding offers. This commission varies by finance provider depending on the financing facility that is arranged. The commission may be a fixed fee or a fixed percentage of the amount you borrow.
• On a very rare occasion we may charge you an additional fee for using our services if you proceed with a funding offer. This additional fee would usually only be added on to commercial mortgage offers, bridging loan offers, secured business funding or unsecured line of credit options. This is due to the amount of extra work involved with this type of funding. We will always make this clear prior to you proceeding with any potential offers and any fee would only be payable once you have received funds from the lender.

9. Intellectual Property

• All content on our website, including text, logos, images, and software, is owned by or licensed to Capital Business Loans and is protected by intellectual property laws.
• You may not copy, reproduce, distribute, or modify any content without our prior written consent.

10. Limitation of Liability

• No Guarantee: We do not guarantee loan approval, the availability of specific loan terms, or the suitability of any loan for your needs.
• Indirect Losses: To the fullest extent permitted by law, we are not liable for any indirect, consequential, or incidental losses (e.g., loss of profits, business, or data) arising from your use of our Services or website.
• Website Use: We are not liable for any losses caused by errors, downtime, or unavailability of our website.

11. Indemnity

You agree to indemnify and hold us harmless from any claims, losses, or damages arising from your breach of these Terms, misuse of our Services, or violation of any laws.

12. Termination

• We may suspend or terminate your access to our Services or website if you breach these Terms or for any other lawful reason.
• You may stop using our Services at any time by ceasing to access our website or contacting us to withdraw your application.

13. Confidentiality

We will treat your personal and business information as confidential in accordance with our Privacy Policy. However, we may disclose information to lenders, regulators, or as required by law.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms or our Services will be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Changes to These Terms

We may update these Terms to reflect changes in our Services, business practices, or legal requirements. We will notify you of significant changes by posting the updated Terms on our website with a revised “Last Updated” date.

16. Force Majeure

We are not liable for delays or failures in providing Services due to events beyond our reasonable control, such as natural disasters, regulatory changes, or technical failures.

17. Complaints

If you have a complaint about our Services, please contact us at 01244 906505 or email andy@capitalbusinessloans.co.uk We will aim to resolve your complaint promptly and fairly. If you are not satisfied, you may refer the matter to the Financial Ombudsman Service at www.financial-ombudsman.org.uk.

18. Contact Us

For questions or concerns about these Terms, please contact:

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