Welcome to Express Business Loans. By accessing our website or applying for a loan through our services, you agree to be bound by these Terms and Conditions. Please read them carefully before proceeding. If you do not agree to these terms, you should not use our services.

These Terms and Conditions govern the relationship between you (the borrower) and Express Business Loans (the lender), including how you use our website, apply for a loan, receive funds, and repay your loan.

 

1. Our Services

Express Business Loans provides short-term and long-term financing solutions to individuals and businesses. Loan approval is subject to affordability checks, creditworthiness assessment, and verification of submitted information.

We offer unsecured and secured business loans, personal cash advances, and other financing products, depending on eligibility and regulatory compliance.

 

2. Eligibility

To apply for a loan with Express Business Loans, you must meet the following conditions:

• Be at least 18 years old
• Be a resident of the United Kingdom
• Provide accurate and verifiable identification and financial information
• Have a valid UK bank account
• Be employed, self-employed, or running a registered business

We reserve the right to decline any application without providing a reason.

 

3. Application Process

When you apply for a loan, you agree to provide true, current, and complete information. You authorize Express Business Loans to carry out credit checks and fraud prevention checks, including consultation with credit reference agencies and other relevant bodies.

Any false or misleading information may result in rejection of your application or termination of your loan agreement.

 

4. Loan Terms

Once approved, you will be issued a formal loan agreement detailing:

• The loan amount
• Interest rate
• Total repayable amount
• Repayment schedule (weekly, monthly, etc.)
• Late payment charges (if any)
• Your obligations under the agreement

By signing the agreement or confirming via electronic means, you enter into a legally binding contract. The loan must be used for lawful purposes only.

 

5. Repayment

Repayment terms will be clearly outlined in your loan agreement. You are responsible for making payments on or before the due dates. Payments can be made via bank transfer, standing order, or other approved methods.

Failure to meet your repayment obligations may result in additional interest, late payment charges, damage to your credit profile, and recovery action. In the event of default, we may refer your case to debt collection agencies or take legal steps to recover the outstanding amount.

 

6. Fees and Charges

We may charge fees in relation to:

• Late or missed payments
• Administration or processing
• Early repayment (if specified)
• Recovery and legal proceedings

All applicable fees will be communicated transparently before and during the loan term. We do not charge hidden fees.

 

7. Use of the Website

By using our website, you agree not to:

• Use the site for any unlawful or fraudulent purpose
• Attempt to gain unauthorised access to our systems
• Upload viruses or harmful content
• Infringe on the intellectual property rights of Express Business Loans or any third parties

We reserve the right to suspend access or take legal action if our website is misused in any way.

 

8. Data Protection

We take the privacy of your data seriously. All personal and financial data submitted to us will be handled in accordance with our Privacy Policy, which outlines how your information is collected, used, stored, and protected.

We will never sell your data and will only share it with third parties where necessary to deliver our services or comply with legal obligations.

 

9. Complaints

We are committed to delivering excellent customer service. If you are dissatisfied with any aspect of our services, you can lodge a formal complaint by contacting us .

We will acknowledge your complaint within 48 hours and aim to resolve it within 14 working days. If you are not satisfied with the outcome, you may be referred to an independent financial ombudsman.

 

10. Liability

Express Business Loans shall not be liable for any indirect, incidental, or consequential losses arising from the use of our services or website. We are not liable for losses due to inaccurate information provided by you or due to misuse of your account or credentials by unauthorized parties.

Our liability is limited to the value of the loan agreement in question, to the fullest extent permitted by law.

 

11. Changes to These Terms

We reserve the right to update or change these Terms and Conditions at any time. Any changes will take effect immediately upon posting to our website. We encourage you to review this page periodically to remain informed of your rights and obligations.

If significant changes are made, we may notify you by email or in writing.

 

12. Termination

We may terminate or suspend your access to our services at any time, without notice, if we reasonably believe that you have violated these Terms, provided false information, or committed fraud.

Upon termination, any outstanding debts remain due and enforceable.

 

13. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising shall be subject to the exclusive jurisdiction of the courts of England.