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                                                           Terms of Business Letter

INDUSTRY FINANCE UK LTD is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 664152 We are permitted to act as a Credit Broker.

You may check this information on the FCA’s Register by visiting or by contacting them on 0800 111 6768 (Freephone) or 0300 500 8082 from the UK, or +44 207 066 1000 from abroad. 

Some of the services that we provide are not regulated by the Financial Conduct Authority. You will be advised in advance of any such proposal or service.

About Our Service 

As a Credit Broker:

  • We offer vehicle leasing, hire and hire purchase products from a selected panel of lenders. All our products are related to the leasing, hire or purchase of a vehicle or commercial equipment.

  • We do not fund any credit contracts ourselves all credit applications are introduced to a third party lender

  • After having assessed your needs and circumstances we will provide you with an advice and recommendation service tailored to your needs

  • We encourage you to ask us at any stage anything that is unclear and obtain independent legal advice if you still do not fully understand the credit arrangements 

  • Please note unless we are satisfied you fully understand the terms and conditions of the finance you are applying for we will be unable to make the introduction to the finance company, this is for your protection and ours.

As a Lender:

  • Provision of funding following suitable affordability and creditworthiness checks and the provision of suitable detail relating to any agreement including but not limited to amount, term, interest rate and cost of credit

We recognise it is important for customers to be able to shop around for credit and alternative sources of credit.

Some of the services that we provide are not regulated by the Financial Conduct Authority. You will be advised in advance of any such proposal or service.

What we will do.

  • Explain the key features of the regulated credit agreement to enable you make an informed choice

  • Take reasonable steps to satisfy ourselves that a product we wish to recommend to you is not unsuitable for your needs and circumstances

  • Advise you to read, and allow you sufficient opportunity to consider, the terms and conditions of a credit agreement before entering into it

  • If credit broking: Before referring you to a third party which carries on regulated activities obtain your consent, after having explained to you why your details are to be disclosed to that third party

  • If credit broking: Before effecting an introduction of you to a lender disclose (where applicable) the fact that the lender is linked to this firm by being a member of the same group as the firm

  • Before effecting an introduction of you to a lender/or acting as a lender ourselves, explain how, when and where you may exercise your cancellation rights

Are we linked in any way to our panel of lenders?

As credit brokers, we are not linked to any of our lending panel members.


As broker: We will quote figures based on our funders cost of funds. The funder has the right to change or decline these quotes on receipt of the full proposal.

Our Remuneration:

As broker We will charge you a fee of £0 to arrange your credit. This is payable upfront /on completion of the loan. We will be remunerated by way of an introductory payment payable by the funder.

You are entitled, at any time, to request information regarding any payment which we may have received as a result of placing your finance with a funder.

As a Lender: Our remuneration is through interest and charges – full details of charges and interest are shown in our agreements.

Refund of Fees:

 Where we charge an upfront fee to arrange a loan and we are unable to do so then the full fee is refunded.

Conflicts of Interest:

If through exceptional circumstances INDUSTRY FINANCE UK LTD or any of its Directors or other customers has a material interest in business you ask to be transacted for you, we will make you aware of the conflict of interest and we will obtain your consent before your instructions are carried out. A copy of our Conflicts of Interest Policy is available on request.


Treating you Fairly:

We always aim to treat you fairly. This means that we will always endeavour to:

  • Conduct our business with due skill, care and integrity

  • Never put ourselves in a position where our primary duty to you is compromised

  • Deal with any complaint sympathetically and independently of the colleague to whom the complaint is directed

  • Be transparent in the matter of our remuneration

·       Respect your confidentiality

Your Responsibilities: 

In order for us to fulfil our responsibilities to you, you must:

  • Read the documentation we give you and let us know if there is anything that is unclear or that does not represent your requirements

  • Comply with the terms and conditions of any agreement we arrange for you


Data Protection and Confidentiality:

We pay a data protection fee to the ICO under the Data Protection Regulations and abide by the requirements of the Regulations. The information we receive from you is used to provide quotations and arrange finance with either ourselves or a funder. You have the right to cancel your authority to use such information. Before or after you enter into any agreement with a funder or with ourselves, to help make credit decisions, the funder or ourselves will make a credit search with a credit reference agency. If you are a company or partnership they/we will also make enquiries about the principle director(s) or partner(s) with a credit reference agency. Full details of the use and disclosure of your information by the funder/ourselves is contained within the terms and conditions of any agreement which you should read before signing.

All customers’ records are treated as private and confidential and INDUSTRY FINANCE UK LTD therefore reserves the right to give you copies of your particular records rather than allow access to files containing records concerning other clients. If you want sight of your records please send a request to PAUL CLIFTON DIRECTOR OF INDUSTRY FINANCE UK LTD. PO BOX 6169 NEWBURY RG14 9GD.

We are required to verify your identity in accordance with the Proceeds of Crime Act 2002 (POCA) and the Money Laundering Regulations 2017.


What to do if you are not satisfied with our service:

If you wish to register a complaint please contact PAUL CLIFTON OF INDUSTRY FINANCE UK LTD in writing at INDUSTRY FINANCE UK LTD. PO BOX 6169 NEWBURY RG14 9GD  or by telephone on 07826899100. Upon receipt of your complaint we will send you our complaints procedure. This is also available at any other time upon request.

You may be entitled to refer a complaint against us to the Financial Ombudsman Service if you are not satisfied with our response. 

The contact details are as follows:

The Financial Ombudsman Service, Exchange Tower, London E14 9SR

Website –


Tel: 0800 023 4 567

No fees


Fast & Reliable

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