Terms & Conditions

TERMS AND CONDITIONS
Pebble Commercial Finance Ltd
Last Updated: 22nd November 2026

1. About Us

Pebble Commercial Finance Ltd (“Pebble”, “we”, “us”, “our”) is a commercial finance broker and not a lender.

We are registered in England and Wales under company number 15796896.

Registered Office:
Station Business Centre
1–5 Victoria Street
Chadderton
Oldham
OL9 0HH

Email: [email protected]

Pebble Commercial Finance Ltd is a member of the National Association of Commercial Finance Brokers (NACFB) and operates in accordance with its Code of Practice.

2. Our Services

We act as a credit broker. We:

• Assess your funding requirements

• Introduce you to suitable lenders or funders

• Submit applications on your behalf

• Assist throughout the finance process

We do not provide financial advice unless explicitly agreed in writing.

Any information provided on our website or during discussions is for general information purposes only and should not be considered financial, legal, or tax advice.

You should seek independent professional advice where appropriate.

3. No Guarantee of Funding

Submission of an application does not guarantee approval of finance.

All lending decisions are made solely by the lender or funder, subject to their underwriting criteria, credit assessment and terms.

We are not responsible for any decision made by a lender.

4. Your Responsibilities

By engaging our services, you confirm that:

• All information you provide is accurate and complete

• You will promptly inform us of any material changes

• You have authority to act on behalf of the business (if applicable)

Providing false or misleading information may result in declined applications and could constitute fraud.

5. Fees and Commission

Pebble Commercial Finance Ltd is typically remunerated by commission paid by the lender or funder.

The commission received may vary depending on:

• The lender

• The product type

• The amount funded

• The terms of the agreement

We will disclose the nature of our commission if requested.

In some cases, we may charge a broker fee. Where applicable:

• This will be agreed with you in writing

• You will be informed of the amount and payment terms before proceeding

No fees will be charged without your prior agreement.

6. Confidentiality and Data Protection

We process personal and business data in accordance with our Privacy Policy.

By engaging our services, you consent to us:

• Sharing your information with lenders and funders

• Conducting credit and identity checks

• Carrying out Anti-Money Laundering (AML) verification

Full details of how we handle data are set out in our Privacy Policy.

7. Credit Searches

Lenders may carry out credit searches with credit reference agencies.

These searches may be recorded and could affect your credit profile.

Where required, we will obtain your consent before submitting an application.

8. Anti-Money Laundering

We are legally required to verify the identity of our clients and may request documentation to satisfy Anti-Money Laundering Regulations.

We reserve the right to delay or withdraw services if satisfactory verification is not provided.

9. Limitation of Liability

To the fullest extent permitted by law:

• We shall not be liable for any indirect or consequential loss

• We are not responsible for the performance of any lender

• We are not liable for any loss arising from inaccurate information provided by you

Nothing in these Terms limits liability for death or personal injury caused by negligence or for fraud.

10. Third-Party Products

Finance agreements are entered into directly between you and the lender.

We are not a party to the finance agreement and are not responsible for:

• The lender’s conduct

• Changes to lending terms

• Interest rate variations

• Enforcement action taken by the lender

You are responsible for reviewing all lender documentation before signing.

11. Complaints

If you are dissatisfied with our service, please contact us at:

[email protected]

We will acknowledge your complaint and aim to resolve it promptly in accordance with NACFB guidelines.

12. Intellectual Property

All content on our website, including text, branding and materials, is the property of Pebble Commercial Finance Ltd and may not be copied or reproduced without permission.

13. Changes to These Terms

We reserve the right to amend these Terms and Conditions at any time.

The latest version will always be available on our website.

14. Governing Law

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

Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.