Are you authorised or regulated by the FCA, and do you follow FCA advertising standards?
Short answer
Best Business Loans is not authorised by the Financial Conduct Authority (FCA) to provide regulated financial advice or to lend money directly. We act as an independent introducer that helps UK businesses find lenders and brokers, and we follow FCA advertising principles, the Advertising Standards Authority (ASA) guidance and Google’s financial advertising policies as best practice. If a product or promotion is FCA-regulated, we ensure it is communicated by firms that are authorised to do so.
Our regulatory status explained
What being an introducer means
We do not provide loans, accept deposits, or give regulated investment or consumer credit advice. Instead, our platform uses AI to match your business with lenders and brokers who may be able to help. We then introduce you to those providers so you can consider their offers directly.
Why we are not FCA-authorised
Best Business Loans does not carry out regulated activities that would require firm authorisation by the FCA. We do not perform credit broking or sell regulated investment products ourselves. Because we act only as a matchmaker and introducer, we do not hold FCA permissions for regulated financial services.
What this means for you
This status means you should treat our service as an efficient way to discover lenders and brokers, not as regulated financial advice. When a lender or broker we connect you with offers a regulated product, that provider must be authorised or appoint a representative who is authorised to communicate the financial promotion. You will deal directly with them for terms, contracts and any regulated disclosures.
How we follow FCA advertising standards and best practice
Principles we apply
Although we are not regulated, we adopt the FCA’s core advertising principle: communications must be fair, clear and not misleading. We design our website copy, emails and adverts to be transparent about our role, limitations and the nature of introductions. We avoid exaggerated claims, and we clearly state that we do not lend directly or guarantee outcomes.
Practical compliance steps
All public marketing copy includes plain-language explanations of what we do and what we don’t do. Where relevant, we flag important eligibility, costs or risk information early and prominently. If an offer refers to a regulated product, we ensure an authorised firm issues the financial promotion or that a clear exemption applies.
Advertising Standards Agency & Google policies
We align with ASA rules so adverts remain truthful and appropriately qualified for general audiences. For paid search and display, we follow Google’s policies, including making required local disclosures and avoiding misleading claims about rates, guarantees or availability. Our goal is to give you enough information to make an informed first decision before you speak with matched providers.
Working with authorised lenders and brokers
Partner screening and checks
We perform due diligence on lenders and brokers we feature to verify their identity, reputation and, where relevant, FCA authorisation. For regulated consumer-credit products or where a broker conducts regulated activity, we prefer to connect you only with firms or appointed representatives that show FCA permissions. This reduces the risk of misleading or unauthorised financial promotions reaching you.
Exceptions and business-only finance
Many commercial finance products for limited companies are outside the scope of FCA consumer-credit regulation. For those business-only products we still apply the same transparency standards because you should still receive clear terms and correct information. Examples include asset finance, equipment funding and many types of invoice finance provided to limited companies.
Example: cashflow and product referrals
If you seek short-term working capital, our matching system can introduce you to options such as invoice finance or cashflow loans. For more on one common option, see our page on cashflow loans at https://bestbusinessloans.ai/loan/cashflow-loans/. When a matched provider offers a regulated loan product, they are responsible for full regulatory disclosures and for complying with FCA and CONC rules where applicable.
What we will not do, and how complaints are handled
Services we do not provide
We do not provide personalised regulated advice, complete credit applications for you, hold or remit customer funds, or guarantee acceptance by any lender. Any contractual terms, fees, interest rates or guarantees come from the lender or broker you choose to deal with. We do not issue regulated financial promotions for products we are not authorised to sell.
Privacy, data sharing and security
We only share your information with carefully selected lenders and brokers relevant to your enquiry. Our privacy policy explains what data we collect and how we use it, and we only pass data to third parties who agree to handle it securely. You remain in control and can ask us to stop introductions at any time.
Complaints and redress
If you have a complaint about an introducer service we provided, contact us at hello@bestbusinessloans.ai and we will investigate promptly. Complaints about a lender or broker’s regulated activity should be raised with that firm first, and unresolved complaints can be referred to the Financial Ombudsman Service if the firm is FCA-authorised. We will assist by providing records of introductions and communications where needed.
How to check a firm’s authorisation
To verify whether a lender or broker is FCA-authorised, use the FCA Register at fca.org.uk/register. Check permissions listed on the register and confirm the firm’s contact details match those provided to you. If in doubt, ask the firm to confirm its authorisation reference before proceeding.
How you can proceed safely with Best Business Loans
What to expect after a Quick Quote
Complete our Quick Quote form and our AI will match you to relevant funding providers based on your business profile and needs. You will receive introductions and contact details so you can discuss terms directly with the lender or broker. You remain free to accept or decline any offers without obligation.
Questions to ask matched providers
- Are you authorised by the FCA for this product or service?
- What are the total costs, fees and representative APR (if applicable)?
- What are the exact eligibility criteria and any security required?
These questions help you compare offers and ensure the provider follows regulatory rules where required.
Ready to get started?
If you want a fast, no-obligation direction to potential lenders and brokers, submit a Quick Quote today. Our platform is designed to save time and surface relevant options while keeping transparency front and centre. If you need help before you begin, email hello@bestbusinessloans.ai for guidance.
Key takeaways
- Best Business Loans is not FCA-authorised — we are an independent introducer and do not lend or give regulated advice.
- We adopt FCA advertising principles and ASA/Google guidance to keep our communications fair, clear and not misleading.
- We screen partners and prefer to work with FCA-authorised lenders or brokers for regulated products.
- Always verify a firm’s FCA registration on the FCA Register and ask direct questions about costs and eligibility.
- Submit a Quick Quote to get matched with suitable finance providers and take the next step toward funding.
Questions or ready to be matched? Click “Get Your Free Quick Quote” on the site or contact us at hello@bestbusinessloans.ai for help. We’re here to guide your next step toward the right business finance option.