Commercial Lending to UK Customers

Unity Trade Capital (UTC) is an independent credit broker and arranges commercial loans and credits for customers in the UK. We have a panel of FCA (Financial Conduct Authority) authorised and regulated lenders and creditors through whom we are able to offer such funding and credit facilities.
Please note carefully that UTC is a finance and credit broker and not a lender!
We, UTC, do not provide commercial mortgage advice but rather we only gather basic information about customers, such as their contact details, loan amount and the purpose of their loan requirements. We then forward these basic details to our panel of lenders and creditors, who then communicate with the customer directly to complete the full application process. Upon successful completion,  we get our commission from the creditor.
Since we are not offering any advise on mortgage or on credit to the customer, we therefore do not charge any fees to the customers.
We are FCA authorised credit broking firm. We arrange all categories of commercial finance.
We can arrange credit facilities ranging from £25,000.00 (twenty five thousand pounds) to £5,000,000.00 (five million pounds). Since we are only taking basic details from the customers such as contact details, amount of loan required and the purpose of the loan and forward them to the lenders and creditors for their assessment and completion of the application process, however, we are not at all involved in advising whether the deal would be based on first charge mortgage on assets and properties or second charge mortgage on assets and properties which fall under Mortgage Credit Derivative (MCD).
To explore how we arrange commercial finance with simple procedures and terms, please call us on 02088261490 for a preliminary discussion or to make an appointment. Alternatively, you can send us a mail on or Our office is open between 9am to 5pm Monday to Friday. We are closed on Saturdays and Sundays and bank holidays.
If you are not happy or satisfied with the services that we offered, you have the right to make a complain. Initially you can make a complaint directly to UTC stating clearly the reasons of your complaint. For detailed complaint procedures please read carefully our below complaint procedures and how we handle it.

Our complaint procedures
Complaints Handling Policy - Our complaints policy
We are committed to providing a high-quality brokerage service to all our clients.
When something goes wrong, we need our clients to tell us about it.  This will help us to improve our quality of brokerage service and standards.
If you have a complaint, please contact us with the details. We have eight weeks to consider your complaint. If we have not resolved it within this time period, you may raise the matter to the Financial Ombudsman Service (please see below).

If you have a complaint, what will happen next?
1.  We will send you a letter acknowledging receipt of your complaint within three UK business days of receiving it, enclosing a copy of this procedure.
2. We will then investigate your complaint. This will normally involve passing your complaint to our client care partner, [Dr. John Braund], who will review your case file and speak to the member of staff who dealt with your case.
3.Unity Trade Capital will then invite you to a meeting to discuss your complaint in broad detail and hopefully your complaint will be resolved in an amicable and acceptable manner. We will do this within 14 days of sending you the acknowledgement letter.
4.Within three days of the meeting, Unity Trade Capital will write to you to confirm what took place and any solutions s/he has agreed with you.
5.If you, however, do not want a meeting then on receipt of your complaint, Unity Trade Capital will send you a detailed written reply to your complaint, including our suggestions for resolving the matter, within 21 days of sending you the acknowledgement letter.  
6.At this stage, if you are still not satisfied, you should contact us again and we will arrange for another partner or someone unconnected with the matter at the firm.
7.We will write to you within 14 days of receiving your request for a review, confirming our final position on your complaint and explaining our reasons.
8.If you are still not satisfied, you can then refer the case to the Financial Ombudsman Service. You can write to them using their contact address at: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR. You can also phone them on their free phone number 0800 023 4567 or alternatively you can email them at:

Normally, you will need to make the complaint to the Financial Ombudsman Service within six months of receiving a final written response from us

Financial promotions and adverts (Finprom)
We, as a financial broker, make sure that our financial promotions and adverts comply fully with FCA rules and we treat customers fairly and impartially. Though FCA guidelines focuses on promotions of deposits, investments, mortgages etc. we only deal in the promotions and adverts of commercial mortgages only.
Our promotions about our products and services are fair, clear and not misleading. Customers as a result get clear information of what we are talking about of our products and services. For more information about financial promotions and adverts, please visit FCA website at:

Money Advice Service
The Money Advice Service offers free and impartial money advice, set up by the government. One can read more about it including the different types of rates comparison on the Money Advice Service website at Money advice Service as set up by the government advises mainly on the following three things:
•        Advice and guides to help improve your finances
•        Tools and calculators to help keep track and plan ahead
•        Support over the phone and online
Please call on 0800 138 7777 (free call) for free and impartial money advice. They are open Monday to Friday, 8am to 8pm. Saturday, 9am to 1pm and Sunday and bank holidays they are closed

Vulnerable Consumer Policy
Many consumers in vulnerable circumstances are not receiving fair treatment from their Financial Service Providers. Some people find communicating with Providers or accessing products difficult.
You may find that you are unable to obtain a flexible, tailored service that meets your needs from the firms.
We want to inform you about our Vulnerable Consumer Policy at the Firm

1.    Unity Trade Capital (UTC) has a High-Level policy on consumer vulnerability in Place.
2.    All relevant staff are aware of the Policy.
3.    Front Line Staff have sufficient training to facilitate a proper conversation and they know where internal expertise lies.
4.    UTC has an efficient process for referring consumers on to specialist teams who have authority to make flexible decisions.
5.    UTC has good policies and practices in handling disclosure or communication needs of consumers and recording of that information.
6.    UTC Staff will actively disclose which UTC staff would be appropriate for the consumer to have a proper conversation with.
7.    UTC have very High Ethical Standards with regard to Data Protection and Follows all the Rules and Regulations on Data Protection.


The term trade finance simply means securing a trade by way of issuing a guarantee like a letter of credit to the seller/supplier and in broader sense it relates to both local and international trade.


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Contact Us

Tel: +44 208 826 1490