This page sets out important legal information about Wise Commercial Finance Limited, including our regulatory status, privacy and cookie policies, terms of use, commission disclosure and complaints process.

✅ 1) Regulatory Disclosure

1.1 Our Regulatory Status

Wise Commercial Finance Limited is a UK commercial finance broker. We do not provide finance directly and we are not a lender.

Wise Commercial Finance Limited is an Appointed Representative of Funding Friends Ltd.

Funding Friends Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 935775).

Funding Friends Ltd is a member of the National Association of Commercial Finance Brokers (NACFB).

1.2 What This Means for You

As an Appointed Representative, Wise Commercial Finance Limited operates under the regulatory permissions of our principal firm, Funding Friends Ltd. This provides additional oversight and ensures that regulated activities (where applicable) are carried out under an FCA-authorised principal.

Our role is to:

• understand your finance requirement
• explain suitable options clearly
• introduce you to appropriate lenders or finance providers
• support you through application and completion where required

✅ 2) Our Services

Wise Commercial Finance Limited provides brokerage and introducer services for commercial finance, which may include (but is not limited to):

• Business loans and working capital
• Asset finance (vehicles, plant, machinery and equipment)
• Invoice finance and factoring
• VAT and Corporation Tax funding
• Bridging finance
• Development finance
• Acquisition finance

Finance products are provided by third-party lenders and finance providers. Terms, pricing and acceptance are subject to the lender’s criteria, underwriting processes, and your circumstances.

✅ 3) Important Disclaimer (No Financial Advice / No Offer)

The information on this website is provided for general guidance only. It does not constitute financial advice, legal advice, or a recommendation to enter into any finance agreement.

Where calculators, examples, or indicative figures are provided, these are estimates only and do not constitute a formal offer of finance. Actual costs, repayments and approval outcomes depend on lender assessment and may vary.

✅ 4) Fees & Commission Disclosure

Wise Commercial Finance Limited may receive commission from lenders or finance providers if a finance agreement completes following an introduction.

In some cases, Wise Commercial Finance Limited may charge a broker fee to the client. Where a fee applies, this will be disclosed to you clearly before you proceed, and you will have the opportunity to accept or decline any fee prior to completion.

✅ 5) Privacy Policy

5.1 What information we collect

We may collect personal and business information when you:

• request a quote or apply for finance
• contact us by phone, email or form
• use tools such as calculators (non-sensitive usage analytics)
• browse our website

This may include:

• name, email address, phone number
• business name, trading history, turnover (where provided)
• information about the finance you are seeking
• technical data such as IP address, browser type, pages visited and time spent on the site

5.2 How we use your information

We use your information to:

• respond to enquiries and provide brokerage services
• assess your finance requirement and match you to suitable lenders/providers
• contact you about your enquiry
• improve our website and user experience
• comply with legal obligations

5.3 Sharing your information

We may share your information with:

• lenders and finance providers (where relevant to your enquiry)
• our principal firm (Funding Friends Ltd) where required
• service providers who support our operations (e.g. CRM, analytics, website hosting)

We do not sell personal information.

5.4 Legal basis for processing

We process personal information where it is necessary for:

• legitimate interests (responding to enquiries and operating our business)
• performance of a contract (where you request a service)
• compliance with legal obligations
• consent (for marketing communications where you opt in)

5.5 Data retention

We retain information only as long as necessary for the purpose it was collected, or to comply with legal, regulatory and accounting requirements.

5.6 Your rights

You may have rights including:

• access to your personal data
• correction of inaccurate information
• deletion in certain circumstances
• restriction or objection to processing
• data portability
• withdrawal of consent (for marketing)

To exercise your rights, contact us using the details below.

✅ 6) Cookie Policy

Cookies are small text files stored on your device that help websites work properly and improve user experience.

We use cookies to:

• enable core site functionality
• analyse traffic and performance (e.g. analytics)
• understand user journeys and improve conversion

Some cookies may be set by third-party services such as Google Analytics.

Managing cookies

You can control cookies through your browser settings. Disabling cookies may affect how the site functions.

✅ 7) Terms of Use

By using this website, you agree to the following terms:

7.1 Website information

Content on this website is provided for general guidance only and may change at any time.

7.2 No guarantees

We do not guarantee:

• approval for finance
• specific rates or terms
• availability of any product

Finance is always subject to lender assessment and criteria.

7.3 Third-party links

We may link to third-party websites. We do not control these sites and are not responsible for their content or policies.

7.4 Liability limitation

To the fullest extent permitted by law, Wise Commercial Finance Limited is not liable for loss arising from the use of this website, reliance on information provided, or inability to access the site.

7.5 Intellectual property

All content on this website (including text, branding and design) is owned by Wise Commercial Finance Limited or licensed to us. You may not copy or reproduce content without permission.

7.6 Governing law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

✅ 8) Complaints

We aim to provide a professional and transparent service at all times. If you are dissatisfied, you may make a complaint by contacting us.

Please include:

• your name and business name
• a description of the issue
• relevant dates and supporting details

We will acknowledge your complaint and respond in line with required procedures.

Complaints contact:
Email: phil@wisecommercialfinance.co.uk
Phone: 02921 900 000

✅ 9) Contact Information

Wise Commercial Finance Limited
Email: phil@wisecommercialfinance.co.uk
Phone: 02921 900 00