Is my information safe when I make a pub finance enquiry?

Short answer: Yes — when you submit a pub finance enquiry through UK Business Loans we treat your details carefully. Your information is collected only to match you with suitable lenders or brokers, securely transmitted to a limited group of vetted partners, and retained only for a reasonable period so we can help you get quotes. The enquiry is not an application — it’s a way for us to match you to the best pub finance options.

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Table of contents

• Summary: quick reassurance
• Why this matters for pubs
• What information we collect
• How we keep your information secure
• Who we share your data with (and why)
• Legal rights, GDPR and retention
• How we vet lenders & brokers
• What happens after you submit an enquiry
• Practical tips before you fill the form
• FAQs
• Conclusion & next steps

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Summary: quick reassurance

We only collect the information needed to match your pub with suitable finance options — for example the loan amount, purpose (refurbishment, asset purchase, stock funding), business turnover and main contact details. We use secure, industry-standard technology to protect data in transit and at rest, and we share details only with a small group of vetted partners who are most likely to help. Your enquiry is a free, no-obligation information request and does not automatically trigger credit checks or an application.

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Why this matters for pubs

Running a pub often means dealing with large, episodic costs — refurbishments, equipment purchases (kitchens, cellar kit), seasonal stock, or investing in EV chargers and sustainability measures. To get the right quote, lenders and brokers need accurate business information: trading history, turnover, lease or freehold status and the purpose of the loan. That’s why many pub owners are rightly cautious about who sees these details.

Common concerns include unwanted cold calls, misuse of contact details, and fear of identity or fraud risk. We understand those risks and have built our process to minimise them: we only pass on what is necessary, to a small number of matched providers, and only with the intent of obtaining quotes or checking eligibility.

Looking for sector-specific options? See our page on pubs business loans to learn what finance types other landlords typically consider.

What information we collect on pub finance enquiries

We keep forms short to get the right match quickly. Typical items we ask for include:

Business data we ask for

• Company name and trading name
• Annual turnover and P&L indicators (high-level)
• Years trading and type of ownership (leasehold or freehold)
• Premises location and lease length where relevant

Director & contact details

• Primary contact name, phone and business email
• Basic director information (only where necessary for lender matching)

Finance requirements

• Loan amount required (we typically place enquiries for loans of £10,000 and above)
• Purpose: refurbishment, asset finance, working capital, stock funding
• Preferred timescale

Optional, sensitive items

• Credit history details, bank statements or management accounts — requested only when a lender or broker needs them to provide an accurate quote

Note: the enquiry form is an information-gathering step only — it is not a formal loan application. You remain in control; lenders will only carry out formal credit checks with your consent.

How we keep your information secure

Security is central to how we operate. Below are the practical measures we use to protect enquiry data:

Technical measures

• All pages and the enquiry form are delivered over HTTPS (TLS/SSL) to encrypt data in transit.
• Form submissions are stored in encrypted databases and protected by server-side access controls.
• Administrative access is limited and protected by strong passwords and multi-factor authentication (MFA).
• We do not capture or store card payment details on our website.

Organisational measures

• Staff handling enquiries receive data protection training and are bound by confidentiality obligations.
• We follow a data-minimisation principle — only collecting information needed to match your enquiry.
• Partner access is restricted to the specific details required to provide quotes.

Process measures

• When transferring data to partners we use secure APIs or encrypted emails, and we limit the number of recipients.
• Where possible we anonymise or redact unnecessary personal data before sharing.
• We log access to enquiry records for audit purposes and to investigate any issues quickly.

These are industry-standard controls designed to keep your details safe while enabling fast matches to lenders and brokers.

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Who we share your data with (and why)

UK Business Loans acts as an introducer and matcher — we do not lend. To get you fast, relevant quotes we share your enquiry with a limited number (usually 1–3) of lenders or brokers who are best placed to help. Typical recipients include:

• Specialist hospitality lenders and brokers who handle pub refurbishment and asset finance
• Credit reference agencies — only where a partner needs a pre-check and with your knowledge
• Our own fulfilment team and authorised partners who handle lead matching

Why we share: we match your details so lenders/brokers can assess likely eligibility and prepare a quote. We do not sell your data to unrelated marketing firms. All recipients are subject to contractual data-sharing terms and limited to the specific fields needed for matching.

Example: if you request a pub refurbishment loan, we might share your business turnover, loan amount and contact details with two brokers who specialise in hospitality to get tailored quotes. They will contact you to discuss next steps.

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Legal & compliance: GDPR, your rights and our role

We aim to be clear and simple about legal rights.

• Controller vs processor: UK Business Loans is the data controller for enquiries you submit via our form. When partners receive data, they act as separate controllers or processors for their own purposes.
• Legal basis: We rely on your consent to share your enquiry with lenders/brokers for quote purposes. Limited processing (fraud prevention, internal recordkeeping) may rely on legitimate interests — where we balance our needs with your rights.
• Your rights: You have the right to access, rectify, erase, restrict processing, object to processing and request portability of your data. To exercise rights contact data-protection@ukbusinessloans.co or visit our privacy policy.
• Retention: We retain enquiry records for up to 12 months to allow follow-up and quality review, unless you request earlier deletion.

If you remain unhappy after contacting us you can complain to the Information Commissioner’s Office (ICO) at https://ico.org.uk.

How we vet the lenders & brokers we work with

We only introduce businesses to partners who meet our onboarding standards. Vetting includes:

• Identity checks and professional references
• Evidence of hospitality or pub sector experience (refurbishment, asset finance, stock funding)
• Commercial integrity checks and contractual data protection obligations
• Ongoing monitoring of lead quality and partner feedback

Only approved partners receive leads. This reduces the risk of irrelevant approaches and helps ensure you’re contacted by providers who understand pub finance.

Match me to vetted pub finance brokers — Start my enquiry

What happens after I submit an enquiry?

Clear, simple steps so you know what to expect:

1. Confirmation: you’ll see an on-screen confirmation and usually receive an email acknowledging the enquiry.
2. Matching: we match your request to 1–3 shortlisted lenders or brokers based on need and suitability.
3. Contact: partners typically contact you within hours (during business hours) by phone or email to discuss options.
4. Next steps: lenders/brokers will explain whether they need documents or a formal application; any credit checks are done only with your consent.

Important: submitting the enquiry does not perform a hard credit search. Lenders will explain the type of check before carrying it out.

Free Eligibility Check — No impact on your credit score

Practical tips for pub owners before you fill the form

• Have these ready: latest management accounts or P&L, recent bank statements (if available), VAT returns and an estimated cost for any refurbishment.
• Prepare key facts: lease length, business rates, whether you own or lease premises.
• Protect yourself: ask any lender or broker who contacts you for their FCA registration number (if they are regulated) and confirm company details; don’t give more personal data than is necessary.
• Keep it simple: our short form takes under two minutes — enough to get you matched.

FAQs

Will submitting an enquiry affect my credit score?

No — initial enquiries through UK Business Loans are informational and do not impact your credit score. Lenders may run soft or hard checks only with your explicit consent when you move to a formal application.

Who owns my data after I submit the form?

UK Business Loans is the controller of the enquiry data you submit. When we share details with partners they become separate controllers/processors for their own use — always covered by contractual safeguards.

Can I choose which lenders see my data?

You can state preferences in the form (for example, prefer brokers only). We will follow these where possible and will not share with parties outside your preferences without consent.

Are the lenders you share my data with regulated?

We work with a mix of brokers and lenders experienced in pub finance. Some of these are FCA-regulated and some operate outside FCA regulation depending on product type. Always ask the provider about their regulatory status before proceeding.

How long before I’m contacted after submitting an enquiry?

Most matched partners respond within a few hours during business hours. Some may reply faster, depending on demand and the complexity of your request.

Can I request my data be deleted?

Yes — contact data-protection@ukbusinessloans.co or use the privacy policy page to request deletion. We’ll act in line with GDPR and our retention policy.

Is phone contact mandatory?

No — if you prefer to be contacted by email only, tell us in the form and we’ll prioritise email contact where feasible.

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Conclusion & final reassurance

Making a pub finance enquiry with UK Business Loans is a safe, low-risk way to explore funding options. We collect only the information needed to find the right lenders or brokers, protect that data with industry-standard security and share details only with a small number of vetted partners. The form is a free, no-obligation eligibility check — it is not a loan application and does not trigger credit checks without your permission.

Get started — Free Eligibility Check

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UK Business Loans is an introducer that connects businesses to lenders and brokers. We are not a lender and we do not provide regulated financial advice. If you are unsure, speak to an adviser registered with the appropriate regulator.

1. Will submitting a pub or business loan enquiry affect my credit score?
No — an initial eligibility enquiry is informational and won’t impact your credit score; lenders only run soft or hard checks with your explicit consent if you proceed.

2. Is UK Business Loans a lender or do you provide regulated financial advice?
No — UK Business Loans is an introducer that connects you to lenders and brokers and does not lend money or provide regulated financial advice.

3. How quickly will I receive business loan quotes after completing the free eligibility check?
Most matched lenders or brokers contact you within a few hours during business hours to discuss options and next steps.

4. What types of finance can I get for a pub (refurbishment, stock, equipment)?
You can be matched with providers offering pub refurbishment loans, asset finance (kitchen/cellar kit), working capital, stock funding and sustainability or EV charger funding, among others.

5. What loan amounts are available through your network of lenders and brokers?
Our partners typically handle loans from around £10,000 up to multi‑million deals, depending on the lender and your business needs.

6. Who will see my enquiry data and how is it protected?
We share your details only with a small number (usually 1–3) of vetted lenders/brokers using secure APIs or encrypted channels and store submissions in encrypted databases with strict access controls.

7. Can I choose which lenders see my enquiry or request email-only contact?
Yes — you can state preferences (for example brokers only or email contact only) in the form and we will follow them where feasible.

8. Are the lenders and brokers you work with FCA‑regulated?
Many of our partners are FCA‑regulated, but regulation depends on the provider and product, so always ask for an FCA registration number before proceeding.

9. What information or documents should I have ready before submitting a pub finance enquiry?
Prepare basic business details plus recent management accounts or P&L, bank statements, VAT returns, lease/freehold information and an estimated cost for any refurbishment or assets.

10. How do I access, correct or delete my enquiry data under GDPR?
Email data-protection@ukbusinessloans.co or use the privacy policy page to exercise your rights and request access, rectification or deletion in line with GDPR and our retention policy.