Last Updated: 9th July 2026

1. Introduction

Welcome to Flowe ("Flowe", "we", "our", or "us").

These Terms of Service govern your use of our website, services and communications. By accessing our website or submitting an enquiry, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use our website or services.

2. About Flowe

Flowe is a commercial finance brokerage that helps businesses access funding from a panel of lenders and finance providers.

We are not a lender and do not lend money directly.

Our role is to assess your funding requirements, introduce you to suitable finance providers and assist throughout the application process.

3. Eligibility

Our services are intended solely for:

• UK businesses

• Company directors

• Sole traders

• Partnerships

• Limited companies

• LLPs

• Individuals acting on behalf of a business

You must be at least 18 years old and legally authorised to request finance on behalf of the business.

4. No Financial Advice

Information on this website is provided for general information only.

Nothing on this website constitutes:

• Financial advice

• Investment advice

• Legal advice

• Tax advice

• Accounting advice

You should obtain independent professional advice before making financial decisions.

5. Our Service

Flowe will use reasonable skill and care to:

• Understand your funding requirements

• Assess available finance products

• Introduce you to suitable lenders

• Assist with documentation where appropriate

• Support your application until completion

We cannot guarantee that finance will be available.

6. No Guarantee of Funding

Submitting an enquiry does not guarantee:

• Approval

• Acceptance

• Funding

• Specific loan amounts

• Interest rates

• Loan terms

All lending decisions are made solely by the lender.

Each lender has its own underwriting criteria.

7. Broker Status

Flowe acts as an intermediary between businesses and finance providers.

Unless expressly stated otherwise:

• we are not acting as your financial adviser;

• we do not make lending decisions;

• we do not control lender underwriting policies;

• we are not responsible for lender decisions.

8. Fees

In many cases Flowe receives commission from lenders where finance completes.

This commission is normally paid by the lender and does not increase the cost of your finance.

Where a client fee is payable, this will always be disclosed and agreed in writing before any charge becomes due.

No hidden fees will be charged.

9. Your Responsibilities

You agree to:

• provide accurate information;

• provide truthful financial information;

• promptly supply requested documentation;

• notify us if information changes;

• not knowingly provide false or misleading information.

Providing inaccurate information may delay or prevent funding.

10. Credit Searches

Some lenders may perform:

• soft credit searches;

• hard credit searches;

• affordability assessments;

• identity verification checks.

Flowe will not perform a hard credit search ourselves unless specifically authorised as part of a lender process.

11. Anti-Money Laundering

We may request identification documents to satisfy Anti-Money Laundering and Know Your Customer requirements.

Failure to provide requested information may prevent us from progressing your application.

12. Communications

By submitting an enquiry you agree that Flowe may contact you via:

• telephone;

• email;

• SMS;

• WhatsApp;

• other electronic communication.

You may unsubscribe from marketing communications at any time.

Service-related communications may still be sent where necessary.

13. Website Content

All website content including:

• logos;

• branding;

• graphics;

• designs;

• written content;

• downloads;

• documents;

• software;

remains the intellectual property of Flowe unless otherwise stated.

No material may be copied, reproduced or distributed without written permission.

14. Acceptable Use

You agree not to:

• misuse the website;

• attempt unauthorised access;

• introduce malware;

• interfere with website functionality;

• use automated scraping software;

• use the website for unlawful purposes.

We reserve the right to restrict access where misuse is identified.

15. Third-Party Websites

Our website may link to third-party websites.

We do not control these websites and accept no responsibility for their content, services or privacy practices.

Accessing third-party websites is entirely at your own risk.

16. Limitation of Liability

To the fullest extent permitted by law, Flowe shall not be liable for:

• lender decisions;

• declined applications;

• indirect losses;

• consequential losses;

• loss of profits;

• business interruption;

• data loss;

• delays caused by lenders or third parties.

Nothing in these Terms excludes liability where it cannot legally be excluded.

17. Data Protection

We process personal information in accordance with our Privacy Policy.

By using our services you consent to the collection and processing of your information for the purpose of arranging commercial finance.

18. Confidentiality

Information provided to Flowe will be treated confidentially except where disclosure is necessary:

• to finance providers;

• to credit agencies;

• to fraud prevention agencies;

• to regulators;

• where required by law.

19. Changes to These Terms

We may update these Terms from time to time.

The latest version will always be published on our website.

Continued use of our website constitutes acceptance of the updated Terms.

20. 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.

21. Contact

For any questions regarding these Terms please contact:

Flowe Ltd

Email: jordan@flowecapital.com

Website: www.flowecapital.com