Are you regulated by the FCA and how do you stay fair, clear and not misleading?
Short answer
Best Business Loans is not an FCA-authorised lender or financial adviser; we operate as an independent introducer that helps UK businesses find suitable finance providers. We nevertheless design our content, adverts and partner introductions to meet the FCA standard that financial promotions must be “fair, clear and not misleading”.
Who we are and our regulatory status
Independent introducer, not a lender or FCA-authorised investment firm
Best Business Loans operates a technology platform that matches established UK businesses with lenders and brokers. We do not provide credit, accept deposits, or give regulated investment advice, and therefore we are not authorised by the Financial Conduct Authority (FCA) to carry out those regulated activities.
Because we are an introducer, the finance products you may be offered will be provided by third-party lenders and brokers who may be authorised by the FCA. We clearly identify when a provider is FCA-authorised and encourage you to check a provider’s status on the FCA Register before proceeding.
For detailed guidance about the types of finance we help with, including eligibility and product scope, see our business finance overview here: business finance options.
Why FCA rules matter for our content and advertising
“Clear, fair and not misleading” — what it means
The FCA’s requirement that financial promotions be “clear, fair and not misleading” is central to responsible communication about finance. In practice this means avoiding exaggerated claims, making material conditions obvious, and not omitting information that would reasonably affect a decision to engage with a product or service.
Advertising rules from the Advertising Standards Authority (ASA) and Google’s ad policies reinforce the same principle: adverts should not overstate outcomes, should disclose key costs and eligibility, and must not invite users to remit money without an intermediate stage of further information. We design our website and ad copy to reflect these standards.
When we refer to likely interest, fees, or eligibility, we qualify those statements and avoid absolute guarantees such as “lowest rate guaranteed” or “approval assured”. This helps users make informed decisions without being misled.
How we make our content fair, clear and not misleading
Content practices we follow
We start every page and advert with a clear statement of what we do: we introduce and match, we do not lend. That disclosure appears prominently and early so users understand our role before reading product details or contacting partners.
Key product features, likely eligibility criteria, possible costs, and typical timescales are presented in plain language and where applicable we include examples or ranges rather than single definitive figures. Any assumptions that materially affect an example are shown alongside it.
Adverts and promotions
All marketing materials are checked to ensure they do not imply regulated status we do not have, and they avoid absolute promises. We ensure promotions include necessary qualifiers, signpost to more detailed information, and never invite direct remittance of funds without an intermediate information stage.
For search and display advertising we follow Google’s financial advertising requirements and local rules for any targeted geography, and we ensure landing pages supply the context needed for an informed decision.
Compliance, partner due diligence and data handling
Partner checks and ongoing oversight
We vet lenders and brokers before connecting them with customers. This vetting checks for valid FCA authorisation where required, reputation, complaints records, and basic financial stability indicators. Partners are reviewed periodically to maintain quality.
Introductions are tracked so we can evidence which provider received a referral and when, helping us respond quickly to any concern about a promotion or engagement. We retain records of communications and campaign creatives for audit and regulatory traceability.
Data protection and secure handling
We collect minimal data necessary to match you with likely-suitable providers and only share your data with named providers with your consent. Personal data is processed under our privacy policy and protected using industry-standard encryption and access controls.
We never sell your data to unknown third parties, and all data-sharing partners must comply with contractual data-processing requirements before we share information with them.
How you can check, complain and proceed safely
Steps you can take to verify providers and protect yourself
Before agreeing any finance, always check the provider on the FCA Register (https://register.fca.org.uk) to confirm authorisation status and permitted activities. If a provider claims FCA authorisation but is not listed, treat that as a red flag and contact us immediately.
If you believe any information on this site or from a partner is unclear or misleading, please contact us at hello@bestbusinessloans.ai so we can investigate promptly. You can also report suspected misleading financial promotions to the FCA via their online reporting form or to the ASA for advertising concerns.
When you’re ready to explore options, submit a Quick Quote through our platform for a free eligibility check. Our Quick Quote is designed to be a low-effort, no-obligation way to see what types of funding might suit your business before you contact a lender or broker.
Key safeguards and practical commitments
- We state our introducer role prominently so users know we do not provide regulated lending or investment advice.
- Marketing copy is reviewed for accuracy, qualified with clear disclaimers, and updated when market conditions change.
- Partners are vetted and monitored, and we record introductions to enable rapid complaint handling and traceability.
- Your personal data is shared only with your consent and protected by secure processing and contractual safeguards.
- If you need help before submitting a Quick Quote, our UK support team can explain the process and what to expect.
Frequently asked questions (short answers)
Are you authorised by the FCA?
No. We are not authorised to lend or give regulated investment advice; we act as an introducer and will point you to FCA-authorised lenders or brokers where appropriate.
How do you make sure ads are not misleading?
All ads and landing pages are reviewed against FCA, ASA and Google guidance for clarity, fairness and completeness, with clear signposting to terms, fees and eligibility where relevant.
What should I do if I think a promotion is misleading?
Contact us at hello@bestbusinessloans.ai so we can investigate, and consider reporting the promotion to the FCA or ASA if appropriate.
Next steps — how to get a Quick Quote
If you run an established UK business and want a confidential eligibility check, complete our Quick Quote form. It takes a few minutes and helps our AI match you to relevant lenders and brokers without obligation.
We make no guarantee of approval or the lowest rate — but we aim to connect you with credible providers who may be able to help. Start your Quick Quote now and take the first informed step towards funding: business finance options.