Terms of Use

Acceptance of terms

By accessing and using LoanLens (loanlens.co.uk), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

Nature of the service

LoanLens provides free online calculators and informational guides about invoice finance for UK businesses. The information and tools on this website are for educational and informational purposes only. We are not an invoice finance provider or broker.

LoanLens does not provide financial advice. Invoice finance is not a regulated activity in the UK, and we are not authorised or regulated by the Financial Conduct Authority (FCA). Nothing on this website constitutes financial, legal, or professional advice. Calculator results are estimates and should not be relied upon as the basis for financial decisions without obtaining independent professional advice.

Calculator accuracy

Our calculators use standard invoice finance formulas and indicative market rate data from industry sources. While we take care to ensure accuracy, calculator results are estimates only — they are not quotes or guarantees. Actual invoice finance costs depend on your specific business circumstances, sector risk profile, customer creditworthiness, and provider terms.

We update our market rate data regularly. Each calculator page shows when the data was last reviewed. You should obtain quotes from providers directly and verify any figures independently before making financial decisions.

Affiliate relationships

LoanLens has affiliate relationships with some financial services providers. We may earn a commission if you click an affiliate link and subsequently purchase a product or service. Affiliate relationships do not influence our calculator results, market rate data, or editorial content. All affiliate links are clearly disclosed.

Intellectual property

All content on LoanLens, including text, guides, calculators, and design, is the intellectual property of LoanLens unless otherwise stated. You may not reproduce, republish, or redistribute content without permission. You may share links to our content freely.

Limitation of liability

To the fullest extent permitted by law, LoanLens disclaims all liability for any loss or damage arising from your use of this website or reliance on any information or calculator results. This includes financial loss resulting from business decisions made on the basis of information from this site.

Changes to terms

We may update these Terms of Use from time to time. The date at the top of this page shows when they were last updated. Continued use of the website after changes constitutes acceptance of the new terms.

Governing law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.