1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree with any of these terms, you should not use this site. These Terms may be updated at any time. Continued use of the site after changes have been made will be deemed as your acceptance of the changes.

2. About Us

We are Commercial Bridging Loan, a business that acts as an intermediary between users and third-party brokers. This website is a general business information website and does not provide financial advice. We are not authorised or regulated by the Financial Conduct Authority (FCA) therefore we do not recommend any product nor can we offer any financial advice and/or recommendations. We connect users with third-party, independent commercial finance brokers. please read our disclaimer for further information.

3. Use of Website

You may use this website only for lawful purposes only. You agree not to:

• Submit false or misleading information
• Attempt to gain unauthorised access to our systems
• Transmit malicious code or spam
• Violate applicable laws or regulations
• Only enquire about unregulated products on this website. (We do not accept any residential mortgage requests.)

We reserve the right to restrict or terminate your access to the site without notice if we believe you are violating these Terms. When you use the forms on this website, we do not hold your data, the enquiry is passed to a broker who can further your request. We can’t promise that the data submission is 100% safe and that there are are risks involved in data transmission. However, we have done our best to secure your data.

4. Third-Party Links and Services

This website may contain links to third-party websites or services, including authorised brokers and financial tools. We are not responsible for the content, accuracy, privacy practices or services of these external sites. You access third-party services at your own risk and should read their terms and policies separately. We operate as an introducer only. We do not provide financial advice.

How We Make Money

If you submit an enquiry through this website, we may receive a commission from the broker if your loan completes. This commission does not affect the cost of your loan.

5. Privacy and Cookies

We handle your personal data in accordance with our Privacy Policy and Cookie Policy. By using this site, you consent to the collection and use of your data as outlined in those documents. Your personal data will be collected and processed in accordance with our Privacy Policy.

We are fully compliant with the UK General Data Protection Regulation (UK GDPR) and Data Protection Act 2018.

6. Intellectual Property

All content, design, logos, graphics, and software on this site are owned or licensed by us and are protected under intellectual property laws. You may not reproduce, modify, distribute or commercially exploit any part of this site without prior written permission.

7. Disclaimer: No Advice or Endorsement

All content on this website is for informational purposes only. Nothing on this site constitutes:

• Financial advice
• Investment recommendations
• Legal or regulatory advice
• An offer or solicitation to buy or sell financial products

8. No Financial Advice

Nothing on this Website constitutes financial, investment, legal, or tax advice. We do not assess the suitability of any product for your needs or circumstances. By using this Website, you confirm and agree that:

• You are solely responsible for your own financial decisions.
• You will conduct your own due diligence and seek independent professional advice before entering into any financial arrangement.
• You understand that the services offered via this Website relate exclusively to non-regulated financial products.
• Commercial finance and bridging loans are typically non-regulated products and may not be protected by the same consumer safeguards as regulated loans.

9. Service-Specific Disclaimer & Risk Warnings

This website provides a referral service that connects users with third-party financial service providers, such as brokers or lenders who may or may not be regulated by the Financial Conduct Authority (FCA).

Important Risk Warning:

• If you choose to proceed with a third-party provider, you do so at your own risk.
• Unregulated products and providers may not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS).
• You could be at risk of losing money, your property (e.g. home) or other assets, particularly in cases involving secured lending or investment products.
• Some of the products or services you may be introduced to could be unregulated or high-risk.
• We do not sell or arrange regulated financial products

You should always seek independent financial advice before making any financial decisions or commitments. We strongly recommend that you verify the FCA authorisation status of any provider before engaging with them. You can do so at: https://register.fca.org.uk

10. Warranty Disclaimer

This website is provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, regarding:

• The accuracy, completeness, or reliability of the content
• The availability or uninterrupted operation of the site
• The suitability of the site for any particular purpose

We do not warrant that the website is free from errors, viruses, or other harmful components.

11. Eligibility

This Website is intended for use by:

• UK residents aged 18 and over
• Businesses and individuals seeking non-regulated commercial finance
• Users acting in a business capacity, not as consumers

If you are seeking regulated mortgage advice, you must not use this Website.

12. Waiver and Limitation of Liability

To the fullest extent permitted by law:

• We shall not be liable for any loss or damage (including loss of profit, business, data, or reputation) arising from your use of the site or reliance on its content.
• We do not accept liability for any decisions made based on information obtained from the site or from any third-party links or services.
• Any referrals made to FCA-authorised brokers are done in good faith, and we accept no responsibility for the conduct, advice, or outcomes provided by third parties.

To the maximum extent permitted by law, we disclaim all liability for:

• Any financial loss or damage resulting from your use of the Website
• The conduct, actions or omissions of any third-party finance providers
• Decisions made based on content or information on this Website

We do not guarantee:

• That you will be offered finance
• That the terms offered will meet your needs or expectations
• The accuracy or completeness of third-party content or product information

You agree to indemnify and hold us harmless against any claims, losses, or liabilities arising from your misuse of this website or breach of these Terms.

13. Regulatory Status

The financial products featured on this Website are non-regulated products, such as commercial bridging loans and other types of business finance. These products are not regulated by the Financial Conduct Authority (FCA) and therefore do not benefit from protections such as the Financial Ombudsman Service or the Financial Services Compensation Scheme (FSCS).

14. Force Majeure

We shall not be liable for any delay or failure to perform any part of these Terms due to events outside our reasonable control, including but not limited to:

• Acts of God
• War, terrorism, or civil disorder
• Power outages or failure of telecommunications networks
• Government restrictions or public health emergencies
• Changes in law or regulatory restrictions

15. Indemnity

You agree to indemnify and hold harmless [Insert Legal Entity Name], its officers, employees, agents, and partners from and against all claims, liabilities, damages, losses, or expenses (including legal fees) arising out of your breach of these Terms or misuse of the Website.

16. Changes to These Terms

We reserve the right to modify these Terms at any time without prior notice. Continued use of the Website after such changes constitutes your acceptance of the revised Terms.

17. Jurisdiction and Governing Law

These Terms are governed by the laws of England and Wales. Any disputes relating to these Terms or your use of the website will be subject to the exclusive jurisdiction of the courts of England and Wales.

18. Contact

If you have any questions or concerns about these Terms, you can contact us at: