Your Cost Consult.
Finance. Simplified.

Terms & Conditions

Last updated: February 2026

Important Information

Your Cost Consult is a finance introduction service for UK businesses only. We are not a lender, broker, or credit intermediary.

We do not make credit decisions, conduct credit searches, or provide financial advice. All offers shown are indicative only. Final terms, credit checks, and agreements are conducted directly between you and the lender.

Minimum finance amount: £25,000. Business customers only – no consumer lending.

1. Introduction

These terms and conditions govern your use of Your Cost Consult's services. By submitting an application or using our platform, you agree to these terms.

2. Our Role as an Introducer

Your Cost Consult acts solely as an introducer between businesses seeking finance and lending institutions. We:

  • Do not provide financial advice or recommendations
  • Do not make credit decisions
  • Do not guarantee loan approval or specific terms
  • Do not handle funds or act as an intermediary in transactions

3. Eligibility

Our services are available to UK-registered businesses seeking finance of £25,000 or more. You must:

  • Be a legitimate UK business entity
  • Have the authority to submit an application on behalf of your business
  • Provide accurate and truthful information

4. Commission Structure

We receive a commission from lenders when you complete a finance agreement. This commission:

  • Is paid by the lender, not by you
  • Typically ranges from 0.5% to 2% of the finance amount
  • Is fully disclosed to you before you accept any offer
  • Does not affect the terms offered to you by lenders

5. Application Process

When you submit an application:

  • We review your details and match you with suitable lenders
  • Lenders may contact you directly to discuss their indicative offers
  • All offers are non-binding and subject to full underwriting
  • You are under no obligation to proceed with any offer

6. Data Protection

We process your personal data in accordance with UK GDPR. Your information may be shared with lenders for the purpose of providing indicative offers. See our Privacy Policy for full details.

7. Intellectual Property

All content on this platform, including text, graphics, logos, and software, is the property of Your Cost Consult and protected by UK intellectual property laws.

8. Limitation of Liability

Your Cost Consult is not liable for:

  • Credit decisions made by lenders
  • Terms and conditions offered by lenders
  • Any disputes between you and a lender
  • Indirect or consequential losses

9. Termination

We reserve the right to refuse or terminate service to any party at our discretion, particularly in cases of:

  • Fraudulent or misleading information
  • Breach of these terms
  • Abusive or inappropriate conduct

10. Changes to Terms

We may update these terms periodically. Continued use of our services constitutes acceptance of any changes.

11. Governing Law

These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact

For questions about these terms, please contact us at hello@yourcostconsult.co.uk

Your Cost Consult

Connecting UK businesses with trusted lenders for finance over £25,000

© 2026 Your Cost Consult. All rights reserved.

Your Cost Consult Ltd is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. We work with an unrestricted number of Lenders to find a potentially suitable arrangement for your consideration. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.