Legal Information

1. General Information

1.1. EdgeFlow Capital (EFCL) is a commercial property finance specialist broker offering business loans which are unregulated loan agreements and only available to businesses registered in England and Wales and supported by guarantee and security from a homeowner aged over 18 subject to status. EFCL only offer loans where the guarantee is secured by a mortgage. Acceptable forms of security are a legal mortgage over owner occupied residential or investment property or semi commercial property with freehold or long leasehold tenure situated in either England or Wales. It is not possible for security to be located in Scotland, Northern Ireland or in any other state.

1.1.1. Loan Amount: EFCL business loans are available in amounts ranging from £25,000 to £250,000, plus any additional fees requested to be added.

2. Loans are available on a Fixed Rate which means the interest rate charged will not vary for the duration of the loan. Loans may have a possible duration of 1 year up to a maximum of 15 years and the monthly payments are fixed for the duration of the loan. Interest only terms are available up to 5 years.

3. A Lenders Legal & Arrangement Fee of up to £1395.00 will be deducted from the total loan on completion. There is no charge made if the loan does not complete.

4. Loans are available to new starts as well as established businesses and may be for any business purpose, including repayment of HMRC and other debts. Borrow for specific projects or working capital or even acquire a new business or premises.

5. The Lender’s flexible underwriting means accounts are not required and no minimum turnover or trading period subject to accountant’s projection and evidence of business bank account and UTR. A business plan, forecast and CV’s may be required for new starts and all loans are subject to status. On receipt of an enquiry form or a fully completed Business Loan Application form the Lender may provide an in principle decision confirming the terms available and case specific underwriting requirements.

6. Conditions and Use of Information

6.1. EFCL products are only available to UK Registered limited company ‘LTD’ or limited liability partnership ‘LLP’ borrowers with the guarantee of homeowners based in England and Wales aged over 18 and are subject to status. By accessing and using this website, you are agreeing to our Conditions of Use and Privacy statement and accept our use of personal information. Telephone calls may be recorded for security and for training, monitoring and compliance purposes.

7. Privacy Statement

7.1. EdgeFlow Capital otherwise referred to as EFCL values your privacy and is dedicated to safeguarding your personal information. This Privacy Policy outlines how we collect, use, and protect your data when you interact with our website.

8. Information We Collect

8.1. EFCL may collect personal details that you voluntarily provide, such as your name, email address, and phone number when you subscribe to our services or contact us. Additionally, we gather technical information about your device, browser type, and browsing activities through cookies and similar tracking technologies.

9. How We Use Your Information

9.1. EFCL use the data collected to communicate with you, enhance your experience on our website, and provide relevant updates about our services. Additionally, your information may be utilized to comply with regulatory requirements, prevent fraudulent activities, and improve our operational efficiency.

9.2. Your information will be used for the purpose of sourcing an unregulated business loan only. We will pass your information on to a Lender for the purpose of your business obtaining credit. Lenders use the results from credit searches to make lending decisions about applicants and to verify their identity for the prevention of fraud or money laundering.

10. Sharing Your Information

10.1. EFCL may share your information with trusted third-party service providers who assist in hosting, analytics, and marketing activities. However, we do not sell or rent your personal data to external parties for their promotional use.

11. Cookies and Tracking Technologies

11.1. EFCL employ cookies to personalize content, analyze website traffic, and enhance your user experience. You have the option to configure your browser settings to reject cookies; however, some features of our website may be affected.

12. Data Retention

12.1. Your personal data is retained only for as long as necessary to fulfil the purposes outlined in this policy, including compliance with legal and regulatory obligations. When no longer required, we securely dispose of or anonymize your data.

13. Security Measures

13.1. EFCL use best endeavours to make sure your data is safe. We have implemented appropriate physical, electronic, and managerial measures to protect and secure the data we gather online in order protect it from unauthorised access or disclosure. Whilst we strive to maintain high security standards, no method of data transmission or storage is entirely foolproof.

14. Your Rights, Choices, and Subject Access Requests

14.1. You have rights regarding your personal data, including the ability to request access, correction, or deletion. Additionally, you may opt-out of certain data processing activities, subject to applicable laws.

14.2. All individuals who are the subject of personal data held by EdgeFlow Capital are entitled to:

14.2.1.Ask what information the company holds about them and why.

14.2.2.Ask how to gain access to it.

14.3. Subject access requests from individuals should be made by mail, addressed to the Data Protection Officer at EdgeFlow Capital. Requests can also be made through other appropriate channels. The Data Protection Officer will always verify the identity of anyone making a subject access request before disclosing any information.

14.4. We aim to respond to your subject access request within 14 days but will provide the relevant data within one month of receiving it. There is typically no charge for a subject access request. However, if your request is deemed ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests), a fee may be charged to cover administrative costs

15. Policy Updates

15.1. We reserve the right to update this Privacy Policy periodically to reflect changes in our practices or legal obligations. Continued use of our website following any updates constitutes acceptance of the revised policy.

16. Contact Us

If you would like to contact us please email us at contact@edgeflowcapital.co.uk