Welcome to Funds Capital. By accessing our website or applying for our Starter Loan, you agree to the following terms and conditions. Please review these terms carefully before proceeding. If you do not agree to these terms, you should refrain from using our services.

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1. Eligibility Criteria

To qualify for a Starter Loan with Funds Capital, applicants must meet the following conditions:

• Own and operate a physical business in the United Kingdom.
• Be at least 18 years old.
• Hold a valid UK driving license.
• Have an active business bank account with at least three months of bank statements.

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2. Card Machine Requirement

• Applicants are required to use the card machine provided by Funds Capital as part of the loan process.
• The card machine must be actively used for at least three weeks for daily business transactions.
• Consistent use of the card machine during this period is necessary to verify transaction history and ensure eligibility for loan disbursement.

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3. Loan Amount and Disbursement

• The loan amount will be calculated based on the card machine’s recorded transactions over the three-week usage period.
• After the successful completion of the three-week usage and review, the approved loan amount will be transferred directly to the applicant’s registered business bank account.

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4. Loan Utilization

Funds obtained from the Starter Loan must be used solely for legitimate business-related purposes, including but not limited to:

• Purchasing inventory.
• Covering operational costs.
• Expanding business operations.

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5. Repayment Terms

• Repayment terms, including the repayment schedule and applicable interest rates, will be detailed in the loan agreement provided upon approval.
• Failure to adhere to the repayment schedule may result in additional fees, penalties, or legal action.

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6. Termination and Breach

Funds Capital reserves the right to terminate the loan agreement or modify the terms in cases where:

• The borrower fails to comply with the usage requirements of the provided card machine.
• There is a breach of any terms and conditions outlined in this agreement or the loan agreement.

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7. Privacy and Data Protection

We are committed to protecting your privacy. Any personal or business information collected during the application process will be handled in accordance with our Privacy Policy.

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8. Changes to Terms

Funds Capital reserves the right to amend these Terms and Conditions at any time. It is your responsibility to review these terms periodically for updates. Continued use of the website and services constitutes acceptance of any changes.