Refinance Loans — Will My Data Be Kept Secure and Shared Only with Relevant UK Finance Partners?

Short answer: Yes. When you send an enquiry to UK Business Loans, we protect your information with secure systems and share it only with carefully selected finance partners who need your details to provide a quote. Your enquiry is not an application and will not affect your credit score. Read on for a full explanation of what we collect, how we protect it, who we share it with, and how you can control it.

Important notice: We are an introducer — not a lender or regulated financial adviser. We connect you with lenders and brokers who can offer finance. This is not financial advice.

How UK Business Loans handles your enquiry — quick overview

Our process is simple and transparent: you complete a short enquiry form, we use those details to match you to appropriate lenders or brokers, and those matched partners contact you to provide a quote. We do not lend money and we do not make credit decisions — we introduce your business to providers who do.

We only share the minimum information required to get you an accurate quote. The enquiry is a lead-introduction — it is not an application — and you remain in control of whether to proceed. Start a Free Eligibility Check: Get Quote Now — Free Eligibility Check.

What personal & business data we collect and why

We ask for the information that lenders and brokers need to match and assess your enquiry quickly. We follow the data-minimisation principle — only what’s necessary is requested.

• Basic business details: company name, registration number, industry/sector, trading address.
• Financial indicators: annual turnover band, approximate profits, outstanding loans you want to refinance, estimated loan amount required (we arrange loans of £10,000 and above).
• Contact details: contact name, business email and phone number, role in company (e.g., director).
• High-level business circumstances: reason for refinance (e.g., consolidate debts, reduce monthly payments), property or asset security if relevant.
• Optional documents later in the process: lenders may ask for bank statements, accounts or security details if you choose to proceed to full application.

Lawful basis for processing: we typically rely on your consent to share details with matched partners for quote purposes and on legitimate interest for initial matching activity. If you progress to a formal application, additional contractual processing may apply. Full legal detail is available in our Privacy Policy (link at the foot of the page).

If you have questions about specific fields we request, contact us and we’ll explain why it’s needed.

Data security: how we protect your information

Protecting your details is central to our service. We combine technical controls, operational processes and partner oversight to keep data safe.

Technical controls

• Encryption in transit: our website and forms use industry-standard SSL/TLS (HTTPS) to encrypt data between your browser and our servers.
• Encryption at rest: where personal data is stored, we use encryption and access controls to limit exposure.
• Secure hosting: we host with reputable providers and choose infrastructure with robust physical and network protections. Where partners or processors hold data, we require appropriate safeguards and contractual commitments.
• Access management: staff access is restricted on a least-privilege basis and protected by strong authentication; access is logged and reviewed.
• Testing & monitoring: systems are regularly scanned for vulnerabilities and we carry out security testing and monitoring to detect and respond to threats.

Operational controls

• Staff training: all employees handling data receive regular data protection and security training.
• Processor selection: third-party platforms and partners are assessed for security practices. Data Processing Agreements are in place before any sharing.
• Data minimisation & retention: we keep only what’s required and delete or anonymise data when no longer needed.

We never sell your data. Data is shared only to obtain quotes and to match you with potential finance partners.

Get Quote Now — Secure & Fast

Who we share your data with — relevance, vetting & minimum sharing

We only share your enquiry with lenders, brokers or service partners who are appropriate for your needs. Matching is based on factors such as loan type (refinance), industry sector, loan amount and security requirements.

Partner vetting: before working with any provider we check basic credentials and reputation. Providers must demonstrate lawful processing of personal data and have suitable compliance controls. We require data processing contracts with partners and limit the data fields shared to what they need for an initial quote.

Quote vs full application: for a preliminary quote, partners usually need only the summary details you supply. If you decide to proceed, lenders/brokers may request further documentation directly — at that point they become the data controller for the application documents they request and will have their own privacy notices.

For example, if you want to explore refinance loans for a commercial mortgage, we will match you only to partners that specialise in refinance. To see typical refinance solutions we help with, visit our refinance loans page: refinance loans.

Get Started — Free Eligibility Check

Your rights & how to exercise them

Under UK data protection law (UK GDPR and the Data Protection Act 2018) you have a range of rights:

• Right to be informed — our Privacy Policy explains processing purposes and recipients.
• Right of access — you can request a copy of the personal data we hold about you.
• Right to rectification — ask us to correct inaccurate data.
• Right to erasure — request deletion of your data in certain circumstances (for example if processing is based on consent and you withdraw it).
• Right to restrict or object to processing — you may ask us to stop using your data for marketing or matching.
• Right to data portability — where applicable, receive your data in a reusable format.

How to make a request: email privacy@ukbusinessloans.co (or use the contact routes in our Privacy Policy). We aim to respond to valid requests within one month. If we need extra time for complex requests, we’ll tell you and explain why.

Request data or delete my details

Will enquiries affect my credit score?

Submitting our initial enquiry does not affect your business credit score. We pass summary details to matched partners so they can provide quotes. Lenders may perform soft or hard credit checks only if you ask them to proceed to a formal application. We will make clear when a partner intends to carry out a credit check and whether it is a hard search that could affect your file.

Free Eligibility Check — No Credit Impact

Data retention, international transfers & security incidents

Retention: we retain enquiry records for a limited period to allow matching and performance monitoring — typically up to 24 months — after which data is deleted or anonymised unless you ask us to retain it longer.

International transfers: some partners or third-party services may process data outside the UK. Where this happens we ensure appropriate safeguards are in place (for example UK adequacy, Standard Contractual Clauses, or other lawful mechanisms) so your data remains protected.

Security incidents: in the unlikely event of a breach, we have an incident response plan. If a breach meets the legal threshold, we will notify the Information Commissioner’s Office (ICO) and affected individuals without undue delay, and we will provide information about steps to mitigate any risk.

Read full Privacy Policy

How we ensure partners only use data for the right reasons

We use contractual and operational measures to keep partners accountable:

• Data Processing Agreements that set permitted purposes and security obligations.
• Purpose limitation: partners must process data only to provide quotes and support applications, not for unrelated marketing unless you give consent.
• Audit & evidence: we request documentation of partners’ compliance on an ongoing basis and may suspend sharing with any partner that fails to meet standards.
• Complaints & remediation: if you have concerns about a partner’s use of your data, contact us and we will investigate and, where necessary, take action.

Raise a complaint / contact compliance

Real examples — refinance-specific use-cases (anonymised)

Below are short anonymised examples showing how we limit and use data to obtain refinance quotes:

• Construction SME — Consolidation: Shared turnover band, outstanding loan details and contact info with two specialist commercial brokers. Brokers provided indicative refinance options without needing full accounts at first stage.
• Commercial landlord — Mortgage refinance: Matched to lenders who specialise in property refinance; only high-level property and loan figures were shared initially. Detailed valuations and title documentation were requested directly by the lender later with signed consent.
• Invoice financing consolidation: Shared sales and debtor profile with invoice finance specialists; initial offers were indicative and required authorization before a credit search or full documentation.

These examples show that we tailor sharing to the product and stage — initial matching uses limited information; detailed checks only occur with your consent when you choose to proceed.

Get Quote Now — Free Refinance Quote

FAQ

Will you sell my data?

No. We do not sell your data. We share it only with lenders and brokers who are matched to your enquiry and who need the information to give you a quote.

Who will contact me after I submit a form?

You’ll usually be contacted by up to three matched lenders or brokers by phone or email. We show which partner will contact you where possible.

Do I need to upload documents to get a quote?

No — most partners can provide an initial quote from the details you give. If you choose to proceed, a partner may request proof documents directly from you.

How fast will I hear from lenders?

Often within hours during business hours. In many cases a matched partner will contact you the same day.

Can I change my mind after submitting an enquiry?

Yes — you are free to withdraw consent or request that we delete your details at any time. Contact privacy@ukbusinessloans.co to act on this.

How do I check a partner’s credentials?

You may ask any partner who contacts you for their business details and privacy notice. We also provide partner information on request.

Final steps — how to get a free, secure eligibility check

If you’re ready to explore refinance or other business finance options, complete our short enquiry and we’ll match you to lenders and brokers who can help. It takes under two minutes and will not affect your credit score.

Get Started — Free Eligibility Check

Legal & links: Privacy Policy | Cookies | Terms of Use | Complaints | Verify partner on the ICO website: ico.org.uk. UK Business Loans acts as an introducer. We do not provide financial advice. Full privacy information is available on our Privacy Policy page.

1. How does UK Business Loans match my business to lenders and brokers for a refinance or business loan?
We use the short enquiry form to match your needs (loan type, amount, sector and security) with vetted UK lenders and brokers and then introduce you — we do not lend or make credit decisions.

2. Will submitting an enquiry affect my business credit score?
No — completing our initial enquiry is not a credit application and will not affect your credit score, although matched lenders may perform soft or hard checks later with your consent.

3. Does it cost anything to use UK Business Loans or to get a refinance quote?
No — our service and free eligibility checks are completely free and carry no obligation to proceed.

4. What information do I need to provide to get an initial business loan or refinance quote?
You only need basic business details (company name, turnover band, contact info), the approximate loan amount required and high-level refinance reasons or security — no full documents for an initial quote.

5. Do I need to upload bank statements or accounts to receive initial offers?
No — most partners can provide indicative quotes from the summary details you supply, and any document requests occur only if you choose to proceed to a formal application.

6. How quickly will lenders or brokers contact me after I submit an enquiry?
Matched lenders or brokers often contact you within hours during business hours, and commonly the same day.

7. How is my data protected and who will you share it with?
We protect your data with encryption, secure hosting and access controls, and share only the minimum information with carefully vetted lenders, brokers or service partners relevant to your enquiry — we never sell your data.

8. Can I stop UK Business Loans sharing my details or request deletion of my enquiry?
Yes — you can withdraw consent or request deletion by contacting privacy@ukbusinessloans.co, and we aim to respond to valid requests within one month.

9. What loan amounts and refinance solutions can I explore through UK Business Loans?
Our network can arrange loans from around £10,000 up to multi‑million commercial finance, including debt consolidation, commercial mortgage refinance and other specialist refinance options.

10. How do you ensure partners only use my data for providing quotes and not for unrelated marketing?
We require Data Processing Agreements, purpose‑limitation contractual terms, ongoing compliance checks and the ability to suspend partners who fail to meet our security or permitted‑use standards.