Terms of Use

Last updated: 19/03/2026

By requesting a quote, applying for, or arranging Broker Services with us, you confirm that these services will be processed in accordance with the following terms.

Scope of Our Services

We act as a credit broker, not a lender, and introduce you to a panel of lenders.

Commissions: We receive a commission from the lender (either a fixed fee or a fixed percentage of the amount borrowed). These rates differ among lenders. For certain lenders, we may influence the interest rate, which could impact the total amount you pay. The commission is payable only if you accept the Finance Offer and enter into a Finance Agreement.

Broker Services: Our role is to submit Lending Proposals to lenders on your behalf to secure an offer of finance (“Broker Services”).

Product Range: We provide access to a variety of commercial financial products, such as leasing and asset finance, commercial mortgages, property development finance, and cashflow finance.

Recommendation: We will assess your needs and recommend suitable financial options. While we may provide advice, you are not obliged to follow it.

Before proceeding, we will ensure you understand the Finance Offer and its terms.

Status Disclosure

Pinks Associates Ltd (“we” or “us”) is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Registration Number is 662419. We are also members of the National Association of Commercial Finance Brokers (NACFB) and comply with their Code of Practice. For more details, visit https://www.nacfb.org/.

Pinks Associates Ltd is registered in England and Wales (Company Number: 15916322). Our registered office is located at: 4 Kings Avenue, Chichester, West Sussex, PO19 8EA.

Key Definitions

Advance Amount: The credit amount provided under a Finance Agreement.

Agreement: This document and any related schedules or instructions.

Broker Services: Services provided to secure a finance offer from lenders.

Commission: Fees received from lenders upon successful agreement completion.

Finance Offer: A lender’s offer to provide credit, subject to terms.

Lender: A financial institution to which we present your proposal.

NACFB: National Association of Commercial Finance Brokers.

Personal Data: Information protected under UK Data Protection laws.

Your Acknowledgements

By engaging with our services, you confirm:

You have been advised to seek independent advice before entering into any financial agreement.

You understand that lenders may conduct credit checks, which will appear on your credit file.

You are aware of our commission structure and have no objection to us receiving commission.

You have provided accurate information necessary for submitting Lending Proposals.

Failure to provide accurate information may result in offers being voided or agreements terminated.

Data Protection

We comply with UK Data Protection Legislation to safeguard your personal data. For details, refer to our Privacy Policy at https://pinksassociates.com/legal/privacy-policy.

Early Settlement and Documentation Fees

Early Settlement: Charges for early settlement differ based on whether the agreement is regulated or non-regulated. Refer to the lender’s terms for details.

Documentation Fees: Fees vary by lender and will be disclosed in the Finance Offer.

Termination

Either party may terminate this agreement with 30 days’ written notice. Immediate termination may occur if false or misleading information is provided, material terms are breached, or other specified conditions are met.

Governing Law

This agreement is governed by English law. Both parties agree to submit to the exclusive jurisdiction of English courts.

For further inquiries or clarification, please contact us directly.