Terms of Use

These Terms of Use govern your use of the Professional Practice Loans website.

Professional Practice Loans is operated by Smart Funding Solutions, a trading style of Smart Funding Solutions Limited.

By using this website, you agree to these Terms of Use.

Our role

Professional Practice Loans is a commercial finance brokerage service.

We are not a lender.

We help businesses and professional practices understand their funding requirements, structure applications, identify appropriate funding options and approach suitable lenders or funders on their behalf.

Any finance remains subject to the relevant lender’s assessment, underwriting criteria, due diligence, documentation and final approval.

We do not guarantee that finance will be available or that any particular lender will make an offer.

Information on this website

The information on this website is provided for general information only.

It is intended to explain the types of commercial finance that may be available to professional practices and businesses.

Nothing on this website constitutes legal, tax, accounting, investment or other professional advice.

Information shown on this website should not be treated as a recommendation that any particular finance product is suitable for you.

Your individual circumstances should always be considered before entering into a finance agreement.

Illustrative information

Any examples, representative funding scenarios, indicative amounts, repayment structures or descriptions of possible finance products are provided for illustration only.

They do not constitute an offer of finance.

Actual terms will depend on factors including:

• the applicant
• business performance
• credit profile
• borrowing requirement
• sector
• available security
• lender appetite
• underwriting requirements

Completed transactions

Where this website refers to completed transactions or success stories, these are based on historic transactions.

Past funding outcomes do not guarantee that the same or similar funding will be available to another applicant.

Client identities may be withheld or anonymised for confidentiality.

Representative funding scenarios

Some areas of this website may contain representative funding scenarios.

These are clearly identified as illustrative examples and are intended to demonstrate how funding may potentially be structured.

They should not be interpreted as completed transactions.

Finance applications

Submitting an enquiry does not constitute an application for credit and does not guarantee that funding will be available.

Where appropriate, we may ask for further information before approaching lenders.

Information provided by you may be shared with lenders and funders for the purpose of assessing your funding requirement, subject to our Privacy Notice.

Credit searches

A lender or funder may carry out credit searches or other checks as part of its underwriting process.

Where relevant, details of such searches and consents will be provided before they are undertaken.

Our panel and market access

We may consider funding options from a broad range of lenders and funders.

Availability will depend on the nature of the transaction, applicant circumstances and lender appetite.

We are not required to approach every lender in the market for every application.

Fees and commission

We may charge you a fee for our services and, in addition, the lender we introduce you to will typically pay us a commission, either as a fixed fee or as a percentage of the amount you borrow.

Lenders may pay commission at different rates and, for certain lenders, the level of commission may influence the interest rate or other pricing applicable to the finance agreement.

Our recommendation as a broker is not affected by whether or not a lender pays us commission.

If you would like further information about any commission paid to us by a lender, including the amount, please ask us in writing.

Any fee payable directly by you will be disclosed separately.

Accuracy of information

We take reasonable care to keep the information on this website accurate and up to date.

Commercial finance products, lender criteria, interest rates, regulation and market conditions can change.

We therefore cannot guarantee that all information will remain accurate at all times.

Website availability

We aim to keep the website available and functioning correctly.

We do not guarantee uninterrupted access and may suspend, withdraw or change parts of the website without notice.

Intellectual property

Unless otherwise stated, all text, branding, design, graphics, page layouts, original photography, illustrations and other content on this website are owned by or licensed to Smart Funding Solutions Limited.

You may view and print information for your own personal or business use.

You may not reproduce, republish, distribute, sell, commercially exploit or modify substantial parts of the website without prior written permission.

External websites

This website may contain links to third-party websites.

These links are provided for convenience only.

We do not control third-party websites and are not responsible for their content, security, privacy practices or availability.

Liability

Nothing in these Terms excludes or limits liability where it would be unlawful to do so.

To the extent permitted by law, Smart Funding Solutions Limited is not liable for loss arising solely from reliance on general information published on this website.

Users remain responsible for obtaining appropriate professional advice and reviewing any finance agreement before entering into it.

Privacy

Information about how we collect, use and share personal data is contained in our Privacy Notice.

Complaints

Details of our complaints process are available on the Complaints page.

Changes to these Terms

We may update these Terms of Use from time to time.

The latest version published on this website will apply.

Governing law

These Terms are governed by the laws of England and Wales.

Any dispute relating to these Terms will be subject to the jurisdiction of the courts of England and Wales, unless applicable law provides otherwise.