Is BestBusinessLoans.ai FCA authorised, and how do you align with FCA principles?
Quick answer: Are you FCA authorised?
BestBusinessLoans.ai is not an FCA-authorised lender or broker. We act exclusively as an independent introducer and match UK businesses with lenders and brokers using AI-driven matching technology. This means we do not supply finance or perform regulated lending activities ourselves.
Our regulatory status explained
What “FCA authorised” means
FCA authorisation confirms a firm is approved to carry out specified regulated financial activities under the Financial Services and Markets Act. Regulated activities include providing personalised advice, lending, consumer credit broking and some investment services. Authorisation also subjects firms to ongoing supervision and specific conduct, capital and reporting requirements.
Why BestBusinessLoans.ai is not FCA authorised
We do not provide loans, accept deposits, or offer regulated investment products, so we are not an FCA-authorised lender or broker. Our role is to introduce and connect businesses with lenders or brokers through our AI matching platform. Where a connected partner performs regulated activity, that partner should hold the appropriate FCA authorisation or act as an appointed representative of an authorised firm.
How this affects you as a business user
Using our service does not replace professional regulated advice that certain transactions may require. When you proceed to engage a lender or broker introduced by us, always check that that provider is FCA authorised for the specific service they will deliver. We clearly signpost that we are an introducer, not a lender, so you can make informed decisions.
How we align with FCA principles
We adopt FCA conduct principles as best practice
Although BestBusinessLoans.ai is not regulated by the FCA for lending activity, we adopt the FCA Principles for Businesses as core operating standards. These principles include treating customers fairly, acting with integrity, and managing conflicts of interest. We use these principles to guide our product information, marketing and partner selection processes.
Treat customers fairly and provide clear information
All information on our site and in our communications is designed to be clear, fair and not misleading. We provide concise summaries of funding types, typical eligibility considerations and likely next steps so businesses can weigh options before contacting lenders. Our Quick Quote forms are short, factual and focused on gathering the data needed to match you to relevant providers.
Acting with integrity and transparency
We disclose our role as an independent introducer prominently across the website and before you submit any enquiry. We do not hide fees or promising guaranteed outcomes. Any introduction we make is based on a best-effort match and the final terms remain at the discretion of the lender or broker you choose.
Compliance with financial promotions and advertising rules
Financial promotions: “clear, fair and not misleading”
We design our marketing and website content to meet the FCA standard that financial promotions must be clear, fair and not misleading. This means we avoid ambiguous claims, prominently state limitations and clarify that we do not provide credit ourselves. When content references products that are regulated, we direct users to check the provider’s authorisation and full terms.
Advertising Standards and Google policies
We follow UK Advertising Standards Agency guidance on financial advertising and align our digital ads with Google’s financial services policies. Our adverts include appropriate disclosures and do not promise outcomes such as lowest rates or guaranteed approval. Where local or product-specific disclosures are required, we include them in the ad landing pages or during the application journey.
Partner and content approvals
When we publish lender or broker profiles, we seek assurance that those partners hold necessary regulatory permissions. We require partners to confirm their authorisation status and provide identifiers where available. If a partner is not FCA authorised but relies on an exemption, we explain the nature of that exemption to users before any referral takes place.
Data protection, privacy and responsible matching
Secure handling of your personal and business data
We treat personal and business data with care and in accordance with UK data protection laws. Information you submit through our Quick Quote is encrypted in transit and stored securely. We only share your data with lenders or brokers we believe are relevant to your enquiry and with whom we have contractual or vetting relationships.
Consent and purpose limitation
We obtain your consent before sharing details with prospective lenders or brokers. We limit data sharing to what is necessary for matching and initial eligibility checks. You can ask us which parties received your information, request updates, or withdraw consent at any time by contacting hello@bestbusinessloans.ai.
Responsible product matching and exclusions
Our algorithms are trained to match businesses to suitable finance types, not to push unsuitable products. We do not support start-ups, sole traders, franchises, property mortgages or certain regulated consumer credit products. For example, if you are looking to refinance business loans or consolidate existing commercial finance we will match you with appropriate partners and you can read about refinance options here: Refinance options.
What to expect, next steps and key takeaways
How the introduction process works
Submit a Quick Quote or Eligibility check via our short online form. Our AI analyses your profile and presents a tailored shortlist of lenders or brokers that may be able to help. You then decide which provider to contact and proceed to their application or advisory process, during which the provider will confirm terms and any regulated status.
Checks to perform after an introduction
Before sharing sensitive documents or accepting any offer, verify the lender or broker’s FCA authorisation using the Financial Services Register. Ask for full product terms, interest rates, fees and representative examples where relevant. Confirm any required disclosures or cooling-off rights that apply to the product you are considering.
Key takeaways
BestBusinessLoans.ai is not FCA authorised because we act as an independent introducer and do not provide regulated lending services. We align with FCA principles by adopting transparency, fairness and integrity across our services and marketing. We ensure secure data handling, vet partners for appropriate permissions, and encourage users to confirm provider authorisation before proceeding.
Need help deciding? Get a Quick Quote
If you want a fast, obligation-free check to see which lenders or brokers may be relevant, complete our Quick Quote form now. The process takes just a few minutes and helps you get an initial Decision in Principle or eligibility guidance. Contact us at hello@bestbusinessloans.ai if you’d like support from our UK team.
FAQ (short)
Is BestBusinessLoans.ai regulated by the FCA?
No. We are an independent introducer and not authorised by the FCA to provide lending or regulated advice.
How do you make sure providers are authorised?
We request confirmation of regulatory permissions from partners and encourage users to verify authorisation on the FCA Financial Services Register themselves.
Do you charge fees?
It is free to submit a Quick Quote. Any fees or charges will be disclosed by the lender or broker you choose to engage.
Contact and company information
Best Business Loans operates the website BestBusinessLoans.ai as an independent introducer for UK businesses seeking commercial finance. For enquiries or to request partner permission details, email hello@bestbusinessloans.ai. Use our Quick Quote to get a tailored introductory shortlist and eligibility guidance.