Welcome Finance is a commercial finance broker, not a lender. Finance is subject to status and lender approval.
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Terms of business

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Last updated: 11 October 2026

These terms explain how Welcome Finance works with your business when we help you look for finance. They apply from the moment you ask us to help. Please read them with our privacy notice.

1. Who we are

  • Welcome Finance is a trading name of Welcome Business Solutions Ltd, registered in England and Wales, company number 17214545.
  • Registered office: 167–169 Great Portland Street, 5th Floor, London W1W 5PF. This is a registered office only and is not open for visits.
  • Registered with the Information Commissioner’s Office (ICO), registration number ZC217118.
  • Contact us on 020 8609 3897 or support@welcomefinance.co.uk.

2. What we do

  • We are a commercial finance broker, not a lender.
  • We introduce businesses to lenders and finance partners and help with the application.
  • We work with a range of lenders. We do not cover every lender in the market.
  • We do not give legal, tax or accounting advice.

3. Who we work with

  • UK limited companies, LLPs and partnerships of four or more partners only.
  • We do not arrange finance for consumers, sole traders or partnerships of two or three partners.

4. Regulation

  • Welcome Business Solutions Ltd is not authorised or regulated by the Financial Conduct Authority.
  • The finance we arrange is unregulated business finance. You will not have access to the Financial Ombudsman Service or the Financial Services Compensation Scheme for our service.

5. Lender decisions

  • All finance is subject to status and lender approval.
  • Each lender makes its own decision and sets its own rates, fees and terms. We cannot guarantee approval, a rate or a timescale.
  • Your finance agreement is between your business and the lender. Read it carefully before signing.

6. How we are paid

  • We do not charge your business a fee.
  • The lender usually pays us a commission when your finance completes.
  • Commission can differ between lenders and products. Before your application goes to a lender, we will tell you that we will receive a commission. If you ask, we will tell you how much and how it is worked out.
  • More detail is on our how we are paid page.

7. Credit and fraud checks

  • We compare your details with lenders’ criteria. This is not a credit search.
  • If you go ahead, the lender will usually run credit and fraud prevention checks on the business and its directors or partners, including a hard credit search that other lenders can see.
  • We will tell you before your application goes to a lender.

8. Your responsibilities

  • Give us information that is true, complete and up to date, and tell us if anything changes.
  • Only apply if you are authorised to act for the business.
  • Tell the other directors, partners or guarantors that their details will be shared and checked.

9. Your information

  • We share your application with lenders and finance partners who may be able to help.
  • Our team, including colleagues working outside the UK, uses your information securely, as explained in our privacy notice.

10. Ending our service

  • You can stop at any time, free of charge, by telling us.
  • We can stop acting for you, for example if information is untrue or no lender can help.

11. Our liability

  • We are not responsible for a lender’s decision or for the terms of your finance agreement.
  • Nothing in these terms limits any liability that cannot be limited by law, such as liability for fraud.

12. Complaints

  • If you are unhappy with our service, see our complaints page or email support@welcomefinance.co.uk.

13. Law and changes

  • These terms are governed by the law of England and Wales.
  • We may update these terms. The version on this page when you apply is the one that applies to you.