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Terms & Conditions - Dated 10th April 2026

Welcome to Advance Commercial Finance. By using our services, you agree to these Terms & Conditions. Please read them carefully.

1. Introduction

Advance Commercial Finance (“we”, “our”, “us”) provides commercial finance solutions to UK businesses. These Terms & Conditions govern your use of our services, including advice, funding facilities, and any related communications.

2. Eligibility

Our services are intended for businesses in the United Kingdom. By using our services, you confirm that your business meets any legal requirements to enter into financial agreements in the UK.

3. Services

We provide commercial finance solutions, including invoice finance, funding facilities, and related advisory services. All services are subject to approval, and any facility is offered at our discretion.

4. Application & Acceptance

  • All funding applications are subject to assessment.
  • Approval, terms, and conditions of any facility will be provided in writing.
  • We reserve the right to decline any application without providing reasons.

5. Fees & Charges

  • Fees, interest, and other charges will be communicated clearly before you enter into any agreement.
  • You are responsible for all fees associated with your chosen finance facility.

6. Your Obligations

  • Provide accurate, complete, and up-to-date information.
  • Notify us immediately of any material changes to your business or financial situation.
  • Comply with all applicable laws, regulations, and contractual obligations.

7. Confidentiality

  • We will treat your business information as confidential and use it only to provide our services.
  • You agree to keep our advice, proposals, and any proprietary information confidential.

8. Liability

  • We provide advice and funding options in good faith.
  • To the maximum extent permitted by law, we are not liable for any indirect, incidental, or consequential losses arising from your use of our services.
  • Our total liability is limited to the fees paid for the services in question.

9. Intellectual Property

All materials, content, and documentation provided by us are the property of Advance Commercial Finance and may not be reproduced, distributed, or used without our written consent.

10. Data Protection & Privacy

  • We handle personal and business data in accordance with UK data protection laws.
  • Details of how we collect, store, and process data are outlined in our Privacy Policy.

11. Amendments

We may update these Terms & Conditions at any time. Any changes will be published on our website. Continued use of our services constitutes acceptance of updated terms.

12. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact Information

For any queries regarding these Terms & Conditions, please contact us:

Address:
Virage Suite, 4th Floor, Virage Point, Green Lane, Cannock, WS11 0NH

Email: info@ac-finance.co.uk
Phone: 01543 713 016

Additional info

Credit Reference and Affordability Checks

To help us assess applications, prevent fraud, and meet our legal and regulatory obligations, we may obtain information about you from credit reference agencies (CRAs).
We obtain this information via Creditsafe, which uses its data partner TransUnion to supply consumer credit and identity data.

  • Creditsafe Business Solutions Limited is authorised and regulated by the Financial Conduct Authority
    FCA Firm Reference Number: 742313
  • TransUnion International UK Limited is authorised and regulated by the Financial Conduct Authority
    FCA Firm Reference Number: 805757

The information we receive may include data relating to your identity, credit commitments, payment history, and public record information. This data is used solely for legitimate business purposes, including creditworthiness assessment, identity verification, and fraud prevention, in accordance with applicable data protection laws.

Further information about how Creditsafe and TransUnion process your personal data can be found in their respective privacy notices: