G6 Commercial Finance LogoG6 Commercial Finance Ltd
Terms of Business

Terms of Business

1. COMPANY INFORMATION

G6 Commercial Finance Ltd is an independent commercial finance broker and not a lender.
Company registered number: 16841430
Email address: sales@g6cf.co.uk

2. PURPOSE OF THIS DOCUMENT

This document sets out the terms on which we agree to act as a broker for you, our client. It outlines our legal responsibilities, our commitments to you, and your commitments to us. If you have any questions or concerns about these terms, please contact us using the details in Section 1. By doing business with us, you agree to these terms unless otherwise agreed in writing.

3. REGULATIONS

3.1 Data Protection

G6 Commercial Finance Ltd is fully compliant with the General Data Protection Regulation (GDPR) and is registered with the Information Commissioner's Office (ICO). Registration Number: ZC037959. We treat all client information as confidential. Before we share any of your details with a third party, you will need to agree to the terms and conditions in the application form.

A copy of our terms & conditions is available upon request.
Our Data Protection Policy is available upon request.
You can request either by emailing sales@g6cf.co.uk.

4. OUR VALUES

We are committed to conducting business with:

  • Due diligence and care in all our dealings.
  • High standards of integrity and professionalism.
  • Openness and fairness with our clients and lenders.
  • Unbiased recommendations based on your needs.
  • Clear and timely communication throughout the process.

5. HOW WE CONDUCT OUR BUSINESS

We operate as a commercial finance broker, sourcing funding from multiple lenders. G6 Commercial Finance Ltd does not lend its own money.

We have no exclusivity agreements with lenders, allowing us to access a wide range of funding options. We always act in the best interest of our clients to secure appropriate funding solutions. Our representatives will communicate directly with you and submit applications to lenders on your behalf.

Before proceeding to a contract, we will provide you with all relevant details, including: interest rates, fees and charges, and repayment terms. Underwriters ensure that all funding solutions offered to you are affordable. We will keep you informed at every step of the process and explain any credit decisions made.

6. SERVICES PROVIDED

6.1 Free Consultation

We provide free consultations via telephone or face-to-face meetings, as mutually agreed.

6.2 Application Process

To begin, you will need to complete an application form. You may also be required to provide supporting documents such as: bank statements, financial accounts, identification (ID), VAT returns, existing loan details, and credit reports. Once we source the best funding options for you, we will present multiple offers (typically 2-3) and guide you through each option, outlining the: loan amount, interest rates, fees, total cost, and early repayment options. You are under no obligation to proceed. However, if we secure a suitable offer that meets your requirements and you decide not to proceed, a broker fee may be payable to cover our time and work.

7. CREDIT CHECKS

During the finance application process, the lenders may conduct a credit check on your business and/or its owners. Some lenders perform soft credit checks, which do not affect your credit score. Others conduct hard credit searches, which may impact your credit rating. To minimise unnecessary searches, we limit the number of applications submitted unless the lender performs only a soft search.

8. COMMISSIONS AND CHARGES

8.1 Broker Commissions

We earn commissions from lenders we work with. Commission rates vary by lender, but this does not influence our offer since offers are based on lender criteria which we have no control over.

8.2 Broker Fees

If a lender does not pay a sufficient commission to cover our work, we may charge a broker fee. In some cases, an upfront application/commitment fee may apply for deals requiring significant work before an offer is secured.

9. CLIENT COMMITMENTS

As a client, you must:

  • Provide honest and accurate information, including financial statements and loan details.
  • Disclose all relevant information and inform us of any changes in your situation.
  • When you submit an application through us, you agree to the terms and conditions in full.

10. COMPLAINTS

At G6 Commercial Finance Ltd we take complaints seriously and strive to maintain a high standard of service.

10.1 How to Make a Complaint

If you have a complaint, you can contact us via:
Email: complaints@g6cf.co.uk

10.2 Complaint Handling

We aim to resolve complaints within 2 working days and issue a Final Decision Letter. If we need more time, we will keep you updated and provide a final response within 8 weeks. For our full complaints policy, please visit our website.

11. VARIATION OF TERMS

We reserve the right to update these Terms of Business as needed. The latest version will be available on our website.

12. APPLICABLE LAW

These Terms of Business are governed by the laws of England and Wales. Any disputes shall fall under the jurisdiction of the courts of England and Wales.