Website terms and important information.

1. Who we are

CapitAll Finance Holdings Ltd is registered in England and Wales, company number 17069620. CapitAll A Limited is registered in England and Wales, company number 17095446. CapitAll A Limited is the lender of record and is a subsidiary of CapitAll Finance Holdings Ltd. CapitAll A Limited is registered with the Financial Conduct Authority for anti-money laundering supervision under Firm Reference Number 1055075. This does not mean that all products or services on this website are regulated by the Financial Conduct Authority.

2. Using this website

By using this website, you agree to use it lawfully and responsibly. You must not misuse the website, interfere with its operation, attempt unauthorised access, introduce harmful code, scrape content at scale, impersonate another person, or use the website for misleading, abusive, unlawful or fraudulent purposes.

3. Information only

The information on this website is provided for general business information only. It is not legal, tax, investment, valuation, financial planning, mortgage, consumer credit or regulated financial advice.

You should obtain your own independent professional advice before acting on any information on this website.

4. No offer or commitment to lend

Nothing on this website is an offer, approval, promise, undertaking or commitment to provide funding. Any criteria, pricing, leverage, facility size, term, timing, example, calculator output or statement of appetite is indicative only and may change without notice.

5. Business-purpose property finance

CapitAll focuses on business-purpose property finance. This website is not intended to promote consumer credit, regulated mortgage contracts, owner-occupied residential lending or lending for personal, family or household purposes.

If a proposed transaction may be regulated, owner-occupied or connected to personal use, you must make this clear when contacting us.

6. Lending criteria and product information

Product information, facility sizes, LTV, LTGDV, security position, geography, loan term and other criteria are guidance only. Actual availability may depend on the borrower, property, valuation, security, legal position, exit route, funding structure, market conditions, internal appetite and risk assessment.

7. Applications and due diligence

By submitting an enquiry or deal, you confirm that the information provided is accurate to the best of your knowledge and that you have authority to provide it. We may request further information, identity documents, company documents, valuation reports, legal reports, source of funds evidence, source of wealth evidence, insurance details, property information and other due diligence materials.

8. AML, sanctions and fraud checks

CapitAll may carry out AML, KYC, sanctions, PEP, adverse media, fraud prevention, identity verification, credit, insolvency, source of funds and source of wealth checks on borrowers, guarantors, directors, shareholders, beneficial owners, funders, introducers and other relevant parties.

We may decline, pause, vary, report or withdraw from a transaction where checks, risk assessment, legal obligations, funding requirements or internal policies require it.

9. Brokers and introducers

Brokers and introducers may submit opportunities for review, but they have no authority to bind CapitAll, issue or vary terms, approve credit, confirm funding, waive conditions, release security, manage arrears or make enforcement decisions unless expressly authorised in writing.

All credit decisions, pricing, underwriting, approval, servicing, monitoring, arrears, enforcement and recovery decisions remain with CapitAll or the relevant authorised programme party.

10. Broker fees and revenue share

Any broker economics, introducer fees, revenue share or partnership information shown on this website is subject to written agreement, transaction approval, actual receipts, permitted deductions, programme costs, reserves, taxes, funding waterfall, defaults, restrictions, clawback provisions and payment conditions.

Broker fees or revenue-share arrangements must be disclosed where required. Borrower consent may be required where fees are deducted from the advance. Broker income is not guaranteed and may be pay-when-paid or subject to loan performance and transaction terms.

11. Fees, costs and third-party charges

Fees, interest, legal costs, valuation costs, monitoring costs, insurance costs, broker fees, funding costs, administrator costs, enforcement costs and other charges may apply depending on the transaction. Any applicable fees and costs will be set out in the relevant terms, offer letter, facility agreement, fee schedule or transaction documents.

12. Lending entities and funding structure

A transaction may be reviewed, funded, administered, serviced or held through CapitAll Finance Holdings Ltd, a CapitAll group company, a lending SPV, a funding vehicle, a participation structure or another approved funding arrangement. The relevant lender of record, contractual counterparty and payment obligations will be set out in the applicable transaction documents.

Nothing on this website gives any person a proprietary interest in, security over, or recourse to the assets of any CapitAll holding company, lending entity, funder, SPV or programme entity unless expressly agreed in signed legal documents.

13. Accuracy and availability

We aim to keep website information clear and up to date, but we do not guarantee that the website or its content will always be accurate, complete, available or free from errors. We may update, remove, restrict or change website content at any time.

14. Third-party links and tools

This website may contain links to third-party websites, tools, forms, integrations or services. Those links and tools are provided for convenience only. We are not responsible for the content, availability, security, accuracy or privacy practices of third-party websites or providers.

15. Intellectual property

The text, design, layout, branding, graphics, images, documents and other content on this website are owned by or licensed to CapitAll Finance Holdings Ltd unless otherwise stated. You may not copy, reproduce, distribute, adapt or commercially use website content without our prior written consent.

16. Liability

To the fullest extent permitted by law, CapitAll Finance Holdings Ltd is not liable for loss or damage arising from reliance on website content, inability to access the website, website errors, third-party links, unauthorised interference, viruses, technical issues or decisions made using website information.

Nothing in these terms excludes or limits liability where it would be unlawful to do so.

17. Privacy and cookies

Personal information submitted through this website or otherwise provided to us is handled in accordance with our Privacy Policy. This website may also use cookies and similar technologies.
Privacy Policy
Cookie Policy

18. Complaints

If you are unhappy with how we have handled an enquiry, transaction, communication, process or other matter, you can contact us using the details on our Complaints page.
Complaints

19. Governing law

These website terms and any dispute or claim relating to this website are governed by the laws of England and Wales. The courts of England and Wales will have jurisdiction unless applicable law requires otherwise.

20. Contact