Last Updated: 01 Jan 2025

Welcome to Commercial Finance Limited. By accessing or using our services and website, you agree to the following Terms of Service. Please read them carefully before using our platform or applying for funding.

1. Introduction

These Terms of Service (“Terms”) govern your use of the services provided by Commercial Finance Limited, including but not limited to financial products, business loans, and merchant cash advances. By using our services, you agree to comply with and be bound by these Terms.

2. Eligibility

To use our services, you must:

  • Be 18 years of age or older.
  • Own or operate a registered business in the UK.
  • Be legally able to enter into binding contracts.
  • Have a valid UK business bank account.

3. Our Services

Commercial Finance Limited offers:

  • Business loans based on monthly sales or card terminal transactions.
  • Merchant cash advances.
  • Financial consultation and application support.

Loan approval is subject to verification and eligibility criteria, including business turnover, card terminal activity, and other financial data.

4. Application Process

When you apply for funding, you agree to:

  • Provide accurate and truthful information.
  • Authorize us to verify your information, including credit and transaction history.
  • Cooperate with any document or identity verification requests.

Failure to provide accurate or complete information may result in denial or termination of service.

5. Fees & Charges

We clearly outline any fees, repayments, or charges associated with your finance product in your funding agreement. No hidden fees will be charged beyond what is disclosed at the time of approval.

6. Repayment Terms

Repayment structures are based on:

  • A fixed daily/weekly repayment amount, or
  • A percentage of your card terminal sales (merchant cash advance).

Details of your repayment terms will be outlined in your signed agreement. Failure to repay may result in additional fees and legal action.

7. Use of Our Website

You agree not to:

  • Misuse our website or services for illegal purposes.
  • Attempt to gain unauthorized access to our systems.
  • Use bots, crawlers, or other automated tools to interfere with our site.

We reserve the right to restrict or terminate access for misuse or breach of these terms.

8. Intellectual Property

All website content, including text, graphics, logos, and software, is the property of Commercial Finance Limited and may not be reproduced or distributed without our written consent.

9. Limitation of Liability

Commercial Finance Limited is not liable for:

  • Any loss resulting from the use or inability to use our services.
  • Delays in funding due to incomplete applications or third-party delays.
  • Losses resulting from inaccurate information submitted by the applicant.

We strive to offer a reliable service, but cannot guarantee uninterrupted access to our platform at all times.

10. Termination

We may suspend or terminate your access to our services if:

  • You breach these Terms.
  • You provide false or misleading information.
  • You engage in fraudulent or illegal activity.

11. Changes to Terms

We reserve the right to update these Terms at any time. Updated versions will be posted on our website, and continued use of our services constitutes your agreement to the updated Terms.

12. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be resolved in the courts of the United Kingdom.