Key Facts

1. Whose products do we offer?

We offer commercial lending products sourced from the whole market.

2. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

3. What will you have to pay us for our services?

We offer an initial discussion without charge when we will describe our services more fully and explain the payment options. If you decide to go ahead we will gather and analyse information about you and your business; your finances, needs and objectives.

A non refundable engagement fee of £500 for deals up to £1million and £700 for deals over £1million, is payable in all cases. This fee is set against the broker fee.

A broker fee of 1% increasing to 2% dependent upon complexity, minimum £750. This is reduced by the amount of the Engagement Fee already paid.

This fee is taken on application and passed on issue of an Offer Letter or credit approved Indicative Terms.

We may also receive commission from the lender.

Your Offer Letter from the Lender will set out fees and costs associated with their products.

Refund of Fees

Engagement fee

We will consider a refund of the engagement fee in full if we are unable to provide you with an offer of finance, provided all material facts were initially disclosed and requested information is provided.

Broker fee

A refund of 50% is given if the agreed advance does not conclude, at the discretion of Fiducia Commercial Solutions

4. Who regulates us?

The commercial lending market is currently not regulated.

However, this firm is a member of the National Association of Commercial Finance Brokers and adheres to their Code of Practice. A copy of this Code can be obtained from NACFB, 17 Gandy Street, Exeter EX4 3LS

5. What to do if you have a complaint?

In the first instance please write to the Senior Partner, Fiducia Commercial Solutions, Eastcourt House, 39 Eastgate, Sleaford, Lincs NG34 7DU.

Further remedies are set out in the NACFB Code of Practice.

6. Terms of Business - our dealings with you

• We act in your interests

If any material interest or conflict of interest should arise in business that we are arranging for you, we will let you know and ask for your consent before we carry out your instructions.

• Communications

We may communicate with you from time to time by various means unless you ask us no to.