These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Capital Business Loans Limited (trading as SME Finance Hub) ("we," "us," or "our").

Business Finance Brokerage Services:

• Matching clients with suitable lenders from our panel
• Assisting with business loan applications
• Providing guidance on financing options
• Conducting initial creditworthiness assessments
• Facilitating communication between clients and lenders

FCA Authorization:

We are authorized and regulated by the Financial Conduct Authority (FCA) under firm reference number 1000382. Our permitted activities include credit broking and debt counselling in relation to commercial finance.

Your Obligations:

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

Our Obligations:

• Conduct thorough assessment of your financing needs
• Present your application to suitable lenders only
• Provide clear information about fees and charges
• Handle your personal data in accordance with GDPR
• Act in your best interests when providing advice

Our Fee Structure:

How We Get Paid - Lender Commission Only:

• We receive commission directly from lenders for successfully introducing clients
• Commission typically ranges from 0.5% to 10% of the total loan value
• This commission is included in the cost of the loan by the lender
• The commission is built into your monthly repayments to the lender
• Commission rates vary depending on the lender and type of finance facility
• You do not pay us directly - all payments go to the lender

What This Means for You:

• No fees payable to Capital Business Loans at any time
• No hidden charges or surprise costs from us
• Your only obligation is to the lender once you accept their loan offer
• Complete transparency - you know exactly what you'll pay the lender

Security Requirements:

Typical Loan Terms:

• Amount: £5,000 to £500,000+
• Term: 3 months to 5 years (longer for secured loans)
• Rates: Variable based on risk assessment and loan type
• Repayment: Monthly, weekly, or alternative arrangements

FCA Compliance:

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

Anti-Money Laundering (AML):

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

Data Protection:

• Full compliance with UK GDPR and Data Protection Act 2018
• Secure processing and storage of personal data
• Lawful basis for all data processing activities
• Regular data protection impact assessments

Service Limitations:

• We cannot guarantee loan approval from any lender
• Interest rates and terms are determined by lenders
• We are not responsible for lender decisions or delays
• Our advice is general and may not suit all circumstances

Liability Limitations:

• Liability limited to the amount of fees actually paid to us
• No liability for indirect, consequential, or special damages
• Professional indemnity insurance covers regulatory requirements
• Force majeure events beyond our reasonable control excluded

We are committed to providing excellent service. If you are not satisfied with our service, please follow our complaints procedure:

Governing Law:

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

Changes to Terms:

We may update these Terms periodically. Material changes will be notified in advance. Continued use of our services constitutes acceptance of updated Terms.

Severability:

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