Terms of Business

This document outlines how Capital Edge Finance operates and what it means for you as our client. It also forms the basis of our business relationship with you. This document may be amended by us without receiving your prior consent; however, any significant changes will be communicated to you via email or published on our website.

Who We Are

Capital Edge Finance is a business loan brokerage providing tailored financial solutions to businesses. We are not regulated by the Financial Conduct Authority (FCA).

What We Do

Capital Edge Finance connects businesses with a range of lenders to help secure business loans and other financial solutions. We do not provide personal loans or consumer credit.

We do not offer advice in relation to tax, accounting, regulatory, or legal matters. Clients should seek independent advice as necessary. As a finance broker, we are not tied to any lender, and depending on your needs, we may consider loan products from a variety of lenders.

How We Get Paid

We do not charge our clients any fees for our services. If we are unable to secure finance for you, or if you choose not to proceed, there is no charge.

If a loan is successfully arranged, we receive a commission from the lender. This commission may be fixed or variable and does not affect the amount you pay under the loan agreement. The commission may vary depending on factors such as:

The interest rate agreed with the lender.
The volume of business we introduce to the lender.
The features of the finance agreement.

We will always act with professionalism when sourcing finance for you, adhering to ethical guidelines and industry best practices.

Documentation

The lender will send you a copy of your finance agreement, including the Terms and Conditions, once it has been finalised. Please review these documents carefully and inform the lender as soon as possible if any details are incorrect. If you have a right to cancel, the lender will provide written notice of this.

Quality of Service

We strive to operate professionally and ensure that our services meet high industry standards, following

At Capital Edge Finance, we operate as an independent commercial finance broker, helping businesses secure the right funding solutions. Our role is to assess your requirements and connect you with suitable lenders from our extensive panel.

Credit Searches & Approvals

We do not conduct hard credit searches when assessing your application. However, lenders may carry out their own credit checks at any stage of the process, which could include a hard search that may impact your credit score. We always aim to match businesses with the most suitable lenders to maximize approval chances with minimal disruption.

No Obligation & Transparency

Our service is designed to be clear, transparent, and obligation-free. You are not committed to proceeding with any finance option until you formally agree to the terms set by the lender.

For more details on how we operate or if you have any questions, feel free to contact us.

practices in financial brokering.

Data Protection

We retain customer information for at least six years, after which it may be securely destroyed. We do not retain information longer than necessary.

By applying for finance through us, you consent to the disclosure of necessary personal and financial information to lenders in accordance with the Data Protection Act 2018. If false or inaccurate information is provided and fraud is suspected, details may be passed to fraud prevention agencies. Calls may be recorded for training and quality assurance.

For further details on how we handle your data, please refer to our Privacy Policy.

Complaints Handling

We are committed to resolving any issues you may have with our service as efficiently as possible. We follow a structured complaints handling procedure, a copy of which is available on request.

We aim to acknowledge complaints within 2 working days and resolve them within 14 working days. However, some cases may take longer due to third-party involvement.

If you wish to make a complaint, you can contact us:

📞 Telephone: 020 8044 4784
📧 Email: info@capitaledgefinance.co.uk