Are your promotions clear, fair and not misleading, and do you follow FCA guidance?
Short answer
Yes. Best Business Loans ensures every promotion is clear, fair and not misleading, and we voluntarily align with FCA guidance, the UK Advertising Codes (CAP/BCAP), and Google’s financial services advertising policies. We are not a lender and do not provide regulated credit; we are an independent introducer that helps established UK businesses find suitable finance providers.
Our clear, fair, not misleading promise
Plain‑English communication
We write all ads, webpages and emails in straightforward UK English and avoid jargon wherever possible. Where technical terms are necessary, we explain them in simple language and provide context so you can make an informed choice. We keep paragraphs short, headings descriptive, and calls‑to‑action unambiguous.
Balanced, evidence‑based claims
We don’t make headline claims without qualifying detail, context or source. Statements about speed, eligibility or potential outcomes are presented as possibilities, not guarantees, and are supported by clear explanations of influencing factors. If a claim relates to a partner’s criteria or product, we reference that partner and the conditions that apply.
Accurate scope and honest limitations
We say what we do and what we don’t do. Best Business Loans does not lend, underwrite, or provide regulated credit advice; we introduce established UK businesses to relevant lenders and brokers. We also make our focus areas clear, including that we do not currently support start‑ups, sole traders, franchises, property finance or commercial mortgages.
What we never say
- We never promise approval, the “lowest rates”, or a guaranteed outcome.
- We never imply that using our Quick Quote will avoid credit checks performed by providers.
- We never hide fees, commissions, or eligibility conditions that could materially affect your decision.
Visible disclaimers and key qualifiers
Important qualifiers appear near the relevant claim, not buried in footnotes. We label illustrations as examples, distinguish guidance from advice, and signpost when information is provider‑specific. Where promotions have space limits, we prioritise the most material information and link to more detail.
Applying FCA guidance in practice
We mirror “clear, fair, not misleading” standards
The FCA’s principle that promotions must be clear, fair and not misleading applies across media and product types. Although Best Business Loans is not conducting regulated activities, we voluntarily align to the spirit of the rules found in CONC, BCOBS, COBS and MCOB where relevant. This helps ensure that our communications support informed, people‑first decisions.
How we implement those standards day‑to‑day
- Clarity: We state who we are, how the service works, and our role as an introducer.
- Fairness: We present benefits and drawbacks evenly, including eligibility constraints and potential costs.
- Accuracy: We verify factual content and update time‑sensitive details promptly when circumstances change.
- Prominence: We surface material information, fees, and key exclusions where they will be seen.
- Appropriateness: We target our content to established UK businesses and avoid audiences unlikely to benefit.
Financial promotions perimeter awareness
We do not issue invitations to engage in regulated investment activity, nor do we hold out as providing regulated advice. Where a communication relates to a partner’s regulated product, we ensure it is factual, balanced, and that detailed product‑specific promotions are provided or approved by an authorised firm. We respect the FCA’s media‑neutral stance and apply the same standards across web, email and social.
Transparency on rates, costs and eligibility
Finance costs vary by provider, profile and purpose, so we avoid fixed or best‑case claims. If we reference representative examples, we label them clearly and explain that outcomes depend on your business’s circumstances. We highlight that lenders and brokers will perform their own assessments and may require credit and affordability checks.
Important notices we include
- “We are an independent introducer. We do not offer loans or provide regulated credit advice.”
- “Funding availability, rates and terms depend on your business profile and lender assessment.”
- “Submitting a Quick Quote is free and without obligation. Provider checks may include credit searches.”
ASA/CAP, BCAP and Google financial advertising compliance
Advertising Standards: CAP and BCAP Codes
We follow the CAP Code for non‑broadcast ads and, where relevant, BCAP for broadcast content. This includes ensuring significant conditions are clear, material information is not omitted, and that claims are substantiated. We do not advertise restricted or high‑risk investments, nor do we imply FSMA‑regulated status.
Google financial services policy
Our promotions are built to satisfy Google’s financial services policies, including transparency, local regulatory alignment and user protection. We avoid misleading tactics, pressure statements, or unverifiable superlatives, and we provide clear pathways to more detailed information. Where Google requires certification or disclosures in specific markets, we adhere to those steps before advertising.
Disclosures we prioritise in short‑form ads
- Our role as an introducer and the nature of the service.
- Non‑guaranteed outcomes, with references to provider assessments.
- Where to find fuller eligibility, cost and risk information.
Social media and space‑limited formats
We apply the same “clear, fair, not misleading” standards when space is tight. Material conditions are signposted, and we avoid complex claims that can’t be responsibly explained within the format. Links lead directly to landing pages that expand on the key points made in the ad.
Transparent journeys, pricing and data
Your step‑by‑step journey
- Quick Quote: Share basic details, funding purpose and amount required.
- AI matching: Our system recommends relevant providers based on your profile and sector.
- Introductions: We connect you with lenders or brokers who may be able to help.
- Your choice: Compare options, discuss terms, and proceed only if it suits your goals.
This process is free to initiate and places you under no obligation. We recommend reviewing all documents provided by the lender or broker before making a decision. You remain in control throughout.
Fees, commissions and independence
Submitting an enquiry via Best Business Loans is free for businesses. If a finance agreement completes, we may receive a referral fee or commission from a lender or broker, which does not change the price you pay. We are independent and do not work exclusively with any single provider.
Data privacy and consent
Your data is handled securely and shared only with relevant finance professionals aligned to your enquiry. We do not sell your data, and we follow UK data protection laws and platform rules. You can ask us to update or remove your information at any time, subject to legal and regulatory obligations.
Setting expectations clearly
- Providers will run their own eligibility checks and may conduct credit searches.
- Not every business will qualify, and available terms vary by sector, trading history and security.
- We support many UK sectors, including retail; see our page on retailers business loans for sector‑specific guidance.
FAQs, key takeaways and next steps
FAQs
Are you FCA authorised?
We are not an FCA‑authorised lender or broker, and we do not provide regulated credit advice. We operate as an independent introducer and voluntarily align our promotions to FCA guidance. Regulated product communications are provided or approved by authorised firms.
Do you charge fees to businesses?
No, submitting a Quick Quote is free and without obligation. If a funding arrangement completes, we may receive a commission from the provider. This does not increase the price you pay.
Will using Best Business Loans affect my credit score?
Our initial Quick Quote does not involve a credit check by us. However, lenders and brokers you engage with may conduct credit and affordability checks, which can affect your credit profile depending on their search type.
How do you decide which providers to introduce?
We use AI‑driven matching based on your sector, funding purpose, trading profile and requested amount. We prioritise providers that are active in your industry and products that align with your needs. Final decisions rest with the provider following their assessment.
Do you guarantee funding or the lowest rate?
No. Funding availability, rates and terms depend on your business profile and provider criteria. We aim to connect you quickly with relevant options so you can compare and decide with confidence.
Key takeaways
- Our promotions are written to be clear, fair and not misleading across every channel.
- We voluntarily follow FCA guidance and comply with CAP/BCAP and Google Ads policies.
- We are an independent introducer, not a lender, broker, or provider of regulated credit advice.
- Submitting a Quick Quote is free, with no obligation, and providers conduct their own checks.
- We prioritise transparency on eligibility, costs, data use and how we are remunerated.
Start your Quick Quote
Ready to explore business finance options with clarity and confidence? Complete your Quick Quote now and let our AI matching connect you with suitable UK providers in minutes. It’s fast, secure and obligation‑free.
About Best Business Loans
BestBusinessLoans.ai helps established UK companies navigate business finance, using AI matching and a network of lenders and brokers. We do not lend or provide regulated advice; we introduce you to relevant providers so you can compare options. Updated October 2025.