Last updated: February 2026
These Terms and Conditions govern your use of the Smart Rate Finance Ltd website (smartratefund.com) and the services provided by Smart Rate Finance Ltd. By accessing this website or engaging our services, you agree to be bound by these terms.
Smart Rate Finance Ltd is a company registered in England and Wales (Company Number: 16800413). We are registered with the Information Commissioner's Office (ICO) under registration number ZC053959.
Smart Rate Finance Ltd acts as a credit broker, not a lender. We introduce UK limited companies to third-party lenders offering unsecured business finance products, including term loans, merchant cash advances (MCA), and business credit cards.
We do not make lending decisions. All applications are subject to lender approval, credit checks, and underwriting criteria set by the respective lender.
Smart Rate Finance Ltd may receive commission from lenders upon the successful completion of a finance agreement. We do not charge customers fees for introductions.
Where applicable, we may return up to 50% of our commission to the borrowing business as a cashback incentive. This is subject to specific conditions and lender arrangements.
We are registered with the Information Commissioner's Office (ICO) under registration number ZC053959 and comply with the Data Protection Act 2018 and UK GDPR.
Personal and business data submitted to us is processed in accordance with our Privacy Policy. We collect and process data solely for the purposes of facilitating finance introductions and maintaining regulatory compliance.
This website is intended for use by UK business lenders and potential finance partners. You may not use this website for any unlawful purpose or in a manner that could damage, disable, or impair the website's functionality.
The information provided on this website and through our services does not constitute financial advice. Smart Rate Finance Ltd does not provide regulated financial advice. Businesses should seek independent financial advice where appropriate before entering into any finance agreement.
Smart Rate Finance Ltd shall not be liable for any direct, indirect, incidental, or consequential losses arising from the use of this website or our services, including but not limited to any losses resulting from lender decisions, application outcomes, or reliance on information provided.
We make no guarantees regarding the approval of any finance application or the terms offered by third-party lenders.
Our services are available to businesses meeting the following minimum criteria:
Meeting these criteria does not guarantee approval. All applications are subject to individual lender assessment.
If you wish to make a complaint about our services, please contact us at sagar@smartratefund.com. We aim to acknowledge complaints within 5 business days and provide a full response within 8 weeks.
These Terms and Conditions are governed by the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Smart Rate Finance Ltd
Registered in England & Wales — Company Number: 16800413
ICO Registration: ZC053959
Email: sagar@smartratefund.com
