UK Business Finance Broker | £5k to £500k+ Business Loans

    Capital Business Loans
    Your Protection Matters

    FCA Regulated
    & Authorised

    Capital Business Loans Limited is authorised and regulated by the Financial Conduct Authority. Here's what that means for your protection.

    Capital Business Loans Limited

    FCA Firm Reference Number: 1000382

    We are authorised and regulated by the Financial Conduct Authority for credit broking activities. You can verify our registration on the FCA's public register.

    Our Obligations

    What FCA Authorisation Means

    Being FCA authorised isn't just a badge - it comes with strict obligations designed to protect you.

    • We're listed on the FCA's public register - you can verify us anytime
    • Our business practices are subject to FCA supervision
    • We must handle your data in accordance with regulatory requirements
    • We cannot provide advice outside our authorised activities
    • We must keep accurate records and report to the FCA
    Your Protections

    How FCA Regulation Protects You

    Regulated Conduct

    We must treat customers fairly, provide clear information, and act in your best interests at all times.

    Clear Documentation

    All fees, commissions, and terms must be disclosed transparently before you commit to any funding.

    Complaints Procedure

    You have access to a formal complaints process and, if needed, can escalate to the Financial Ombudsman Service.

    Professional Standards

    Our team meets competency requirements and follows a strict code of conduct set by the FCA.

    Complaints Procedure

    If you're unhappy with our service, we want to know. Our complaints procedure ensures your concerns are handled fairly and promptly.

    Step 1:Contact us directly at hello@capitalbusinessloans.co.uk or 01244 906505
    Step 2:We'll investigate and respond within 8 weeks
    Step 3:If unresolved, you can escalate to the Financial Ombudsman Service

    Financial Ombudsman Service

    Website: financial-ombudsman.org.uk | Phone: 0800 023 4567

    Company Information

    Regulatory Details

    Company Name

    Capital Business Loans Limited

    Company Number

    14491729

    FCA Reference Number

    1000382

    Registered Address

    Suite 31, Shiftworks
    14 Upper Northgate Street
    Chester, CH1 4EE

    ICO Registration

    ZB464621

    Authorised Activities

    Credit Broking

    Important Information

    Regulated Broker, Unregulated Lending

    While we are FCA authorised as a credit broker, it's important to understand how regulation applies to business lending.

    Why are most business loans unregulated?

    In the UK, borrowing by limited companies is classified as unregulated lending. This means that while we as your broker are fully regulated by the FCA, the loan agreements themselves typically fall outside FCA regulation. This is standard across the industry for commercial finance.

    What does this mean for you?

    • As an FCA-authorised broker, we are held to the highest standards of conduct, transparency, and fair treatment — regardless of whether the loan itself is regulated
    • We guide you through the entire borrowing process, ensuring you understand every aspect of the funding before you commit
    • We disclose all fees and commissions upfront so there are no surprises
    • Our role is to act in your best interests, matching you with the most suitable lender for your business needs

    Having an FCA-regulated broker on your side means you benefit from professional oversight and accountability, even when the lending itself is unregulated. We're here to protect your interests throughout the process.

    Ready for Expert Funding Guidance?

    Get clear, expert advice from our experienced brokers. No hidden fees, transparent service, no obligation.

    FCA Regulated • No Obligation Service • All Costs Disclosed Upfront