What is this?

Using the sliding tab you can select the amount you wish to borrow for your business. The slider works in real time so you can see what your loan fee will be as well as your daily repayment amount and total repayment figure.

Based on the amount you wish to borrow, you will also see the minimum monthly gross revenue your business will need to achieve in order to qualify for this loan amount.

What is this?

Please state your full name (including any middle names) as it appears on your birth certificate. We use this information to double-check that you are a director or partner of the company making the loan application. This will also allow us to reference your personal credit file with credit references agencies. Whilst we check this personal credit file it is not a determining factor with respect to being granted a business loan.

Up next..

In the next step we'll need to know the registered name of your business

What is this?

Providing us with your company name will help us to correctly identify your business. We check this against records held at Companies House and credit references agencies.

Up next..

In the next step we would like your business email address.

What is this?

Please provide us with your business email address. This should be the same business that is applying for a business loan. This will be the primary email address that we will use to contact you with updates on the progress of your application and throughout the life of your loan agreement.

Up next..

In the next step we’ll ask you to submit your telephone number so that we can verify your identity.

What is this?

Please provide your business, home or mobile telephone number. If we have approved the loan in principle we will contact you by telephone to ask you some basic personal details to ensure you are the same person that submitted the loan application.

Up next..

We’ll ask you for your home postcode to allow us to verify your residential status.

What is this?

By providing us with your home postcode we are able to determine your residential status as a director or partner in the business. This information includes whether you own or rent the property, how long you have resided there and if you are registered on the council’s electoral role. This provides us with more background information. All the information you provide us with will be treated in strict confidence and will not be shared with a third party.

Up next..

We’ll ask you to create a password for your Wirefund account.

What is this?

Once you’ve created a secure password we will set up your Wirefund account so that you may login to check the status of your application. The indicator below the entry field will indicate the strength of your chosen password, a strong password is always advisable.

Up next..

We will ask you to upload your business bank statements covering the last 12 months of trading.

What is this?

Please upload 12 months of bank statements for the company or partnership that is applying for a business loan. The statements can be in either PDF (available from your online banking application) or scanned format but must be for the primary business account. This will give us an accurate overview of the business’s cash flow and trading style.

Up next..

That’s it! Just hit submit and we’ll start processing your application right away. Look out for a confirmation email with more details.

I icon 084daff5fff2291b288a7ffdd51dae4ebb9b1b3c72e083b556a28e1c72a1e3c8
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How much would you like to borrow?

  • £ 5,000
  • £ 12,500
  • £ 20,000
  • £ 30,000
  • £ 40,000
  • £ 50,000
Loan Fee ( 24% 10%) £1,500
Total To Repay £9,500
DAILY REPAYMENT £35.00
LOAN PERIOD 12 MONTHS
TO BORROW £8,000 YOU WILL NEED TO HAVE A MINIMUM MONTHLY GROSS REVENUE OF £00,000
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What is your full name?

3/7

Nice to meet you! Please tell us your company name.

4/7

Thank you! Please provide your e-mail so we can get in touch

5/7

Can you provide us with your phone number?

6/7

What is your home postcode?

7/7

Please set up a password for your Wirefund account

Thank you for your application!

We will get back to you with a decision on your loan application within 24 hours!
If we need any more information, we will get in touch with you.

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Next Step

Privacy Policy



WF Capital LTD. ("We") are committed to protecting and respecting your privacy.

This policy (together with our terms of use and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.  Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting wirefund.com you are accepting and consenting to the practices described in this policy.

For the purpose of the Data Protection Act 1998 (the Act), the data controller is WF Capital LTD., a company incorporated and registered in England and Wales with company number 9726309, whose registered office is 30 City Road, London EC1Y 2AB.

Information we may collect from you

We may collect and process the following data about you:

  • Information you give us. You may give us information about you by filling in forms on our site wirefund.com (our site) or by corresponding with us by phone, e-mail or otherwise. This includes information you provide when you register to use our site, search our site, make an enquiry via our site, enter a competition, promotion or survey and when you report a problem with our site. The information you give us may include your name, address details, age, e-mail address and phone number, financial, asset, liability and credit card information.
  • Information we collect about you. With regard to each of your visits to our site we may automatically collect the following information:
  • technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
  • information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); information you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.
  • Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide]. We are also working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, Companies House, search information providers, credit reference agencies) and may receive information about you from them.

Cookies

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. For detailed information on the cookies we use and the purposes for which we use them see our Cookie policy.

Uses made of the information

We use information held about you in the following ways:

  • Information you give to us. We will use this information:
  • to assess your suitability for a loan. Please note that we are not regulated by The Financial Conduct Authority.  We only lend to businesses for business purposes and do not provide credit that falls to be regulated under the Consumer Credit Act 1974, The Financial Services and Markets Act 2000, or The Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (SI 2001/544), as amended, extended or re-enacted  from time to time
  • to carry out our obligations and enforce our rights arising from any contracts entered into between you and us and to provide you with the information that you request from us;
  • to provide you with information about other services we offer that are similar to those that you have already enquired about;
  • to provide you, or permit selected third parties to provide you, with information about products or services we feel may interest you. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data (the enquiry form);
  • to notify you about changes to our service;
  • to ensure that content from our site is presented in the most effective manner for you and for your computer.
  • Information we collect about you. We will use this information:
  • to assess your suitability for a loan;
  • to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
  • to improve our site to ensure that content is presented in the most effective manner for you and for your computer;
  • to allow you to participate in interactive features of our service, when you choose to do so;
  • as part of our efforts to keep our site safe and secure;
  • to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
  • to make suggestions and recommendations to you and other users of our site about products or services that may interest you or them.
  • Information we receive from other sources.We may combine this information with information you give to us and information we collect about you. We may us this information and the combined information for the purposes set out above (depending on the types of information we receive).

Disclosure of your information

We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

We may share your information with selected third parties including:

  • Business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you.
  • Advertisers and advertising networks that require the data to select and serve relevant adverts to you and others. We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in SW1). We may make use of the personal data we have collected from you to enable us to comply with our advertisers' wishes by displaying their advertisement to that target audience.
  • Analytics and search engine providers that assist us in the improvement and optimisation of our site.
  • Credit reference agencies for the purpose of assessing your credit score where this is a condition of us entering into a contract with you.

 

We may disclose your personal information to third parties:

  • In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
  • If WF Capital LTD. or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use or terms and conditions of supply and other agreements; or to protect the rights, property, or safety of WF Capital LTD., our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Where we store your personal data

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, among other things,  accessing your suitability to receive an offer of a loan from us, the provision of a loan to you, the processing of your bank account and financial details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Your rights

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data.  You can also exercise the right at any time by contacting us at contact@wirefund.com.

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates.  If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies.  Please check these policies before you submit any personal data to these websites.

Access to information

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

Contact

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to contact@wirefund.com.




Important Data Protection

A Guide to the use of your personal and business data by WF Capital Limited (trading as Wirefund) and Credit Reference and Fraud Prevention Agencies


Q: What is a credit reference agency?

A: Credit reference agencies (CRAs) collect and maintain information on consumers’ and businesses’ credit behaviour, on behalf of organisations in the UK.


Q: What is a fraud prevention agency?

A: Fraud Prevention Agencies (FPAs) collect, maintain and share, information on known and suspected fraudulent activity. Some CRAs also act as FPAs.


Q: Why do you use them when I have applied to your organisation?

A: Although you have applied to us [organisation name] and we will check our own records, we will also contact CRAs to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we make a decision.


Q: Where do they get the information?

A publicly available information -

- The Electoral Register from Local Authorities

- County Court Judgments from Registry Trust.

- Bankruptcy (and other similar orders) from the Insolvency Service.

• Fraud information may also come from fraud prevention agencies.

• Credit information comes from information on applications to banks, building societies, credit card companies etc and also from the conduct of those accounts.

ƒ Company information and information about directors and shareholders comes from Companies House, other publicly available directories and proprietary directories at CRAs

ƒ Information about proprietors of non limited businesses from publicly available directories and proprietary directories at CRAs


Q: How will I know if my information is to be sent to a CRA or FPA?

A: You will be told when you apply for an account if your application data is to be supplied. The nextsection of this leaflet will tell you how, when and why we will search at CRAs and FPAs and what we will do with the information we obtain from them. We will also tell you if we plan to send payment history information on you or your business, if you have one, to CRAs. You can ask at any time the name of CRAs and FPAs.


Q: Why is my data used in this way?

A: We and other organisations want to make the best possible decisions we can, in order to make surethat you, or your business, will be able to repay us. Some organisations may also use the information to check your identity. In this way we can ensure that we all make responsible decisions. At the same time we also want to make decisions quickly and easily and, by using up to date information, provided electronically, we are able to make the most reliable and fair decisions possible.


Q: Who controls what such agencies are allowed to do with my data?

A: All organisations that collect and process personal data are regulated by the Data Protection Act1998, overseen by the Information Commissioner’s Office. All credit reference agencies are in regular dialogue with the Commissioner. Use of the Electoral Register is controlled under the Representation of the People Act 2000 and the Supplementary Regulations to the Representation of the People Act 2002. Use of data from Companies House, about directors, is controlled under the Companies Act 2006 and The Companies (Disclosure of Address) Regulations 2009


Q: Can just anyone look at my data held at credit reference agencies?

A: No, access to your information is very strictly controlled and only those that are entitled to do so,may see it. Usually that will only be with your agreement or (very occasionally) if there is a legal requirement.


What WF Capital Ltd does

1. When you apply to us to open a business account, this organisation may:

a) Check our own records for information on:

i. Your business accounts.

ii. Shareholders who are beneficial owners of 25% or more of the business

b) Search at credit reference agencies for information on: -

i. Public data on your and your business partners’ personal credit behaviour

ii. Information on the conduct of your and your business partners’ personal credit accounts if you are proprietors of a small business

iii. your business

iv. your business accounts;

v. identity information on beneficial owners of the business

vi. If you have one, we may also check your personal financial partner’s

vii. personal accounts too so you must be sure to tell them that this may happen. We will send a notification to them to this effect.

viii. If you are a director, we will seek confirmation, from credit reference agencies, that the residential address that you provide is the same as that shown on the restricted register of directors’ usual addresses at Companies House.

(c) Search at fraud prevention agencies for information on your business, you, your personal financial partner, your business partners, beneficial owners and your address(es).

(exclude if not planning to access consumer data on financial associates)


2. What we do with the information you supply to us as part of the application:

a) Information that is supplied to us will be sent to the credit reference agencies.

1 If you are not authorised to give agreement on behalf of your business partners’ for such checks to be carried out they will also need to give their agreement to proceed.

2 A small business is defined as an organisation which might be sole trader, partnership or a limited company that has three or less partners or directors.

3 A financial partner or associate will be someone with whom you have a personal relationship that creates a joint financial unit in a similar way to a married couple. You will have been living at the same address at the time. It is not intended to include temporary arrangements such as students or rented flat sharers or business relationships.


b) If you give us false or inaccurate information and we suspect or identify fraud, we will record this and may also pass this information to fraud prevention agencies and other organisations involved in crime and fraud prevention.

c) Your data may also be used by us, to offer your business other products but only if permitted.

d) Record information at credit reference agencies about your application, your business, you and your businesses partners.

e) If you provide information about shareholders we will record this information at credit reference agencies

So you must be sure that you have the agreement of your business partners and shareholders to disclose information about them.


3. With the information that we obtain we will: -

a) Assess this application for credit and/or;

b) Check details on applications for credit and credit related or other facilities;

c) Verify your identity and the identity of, other directors/ business partners and shareholders;

d) Undertake checks for the prevention and detection of crime or fraud and/or money laundering;

e) We may use scoring methods to assess this application and to verify your identity;

f) Manage your personal and/or business account (if you have one) with ourselves;

g) Undertake periodic statistical analysis or testing to ensure the accuracy of existing and future products and services;

h) Any or all of these processes may be automated.


4. What we do when you have an account: -

a) Where you borrow or may borrow from us, we will give details of your business account), including names and parties to the account, and how you manage it to credit reference agencies.

b) If you borrow and do not repay in full and on time, we will tell credit reference agencies.

c) We may make periodic searches of our own group records and credit reference agencies to manage your account with us, including whether to continue or extend existing credit. We may also check at fraud prevention agencies to prevent or detect fraud.

d) If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover payment.


What Credit Reference and Fraud Prevention Agencies do

5. When credit reference agencies receive a search from us they will:

a) Place a credit search “footprint” on your company credit file whether or not this application proceeds. If the search was for a credit application the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when your business applies for credit in the future.

b) Place an enquiry search on the personal credit files of any director/owner or partner that have been searched. Place an associate enquiry search on your personal financial partner’s credit file, if that is checked. These enquiry searches will not be seen by other organisations if any director/owner or partner applies for credit in the future.

c) Link together the previous and subsequent names advised by you, of anyone that is a party to the account.

d) Place an enquiry or identification search on the record of any shareholder who is a beneficial owner and who we have checked


Supply to us:

f) Information about your business or company such as previous applications for credit [and the conduct of the accounts] (Leave out if commercial data is not shared or planned to be shared or accessed with credit reference agencies)

[and also similar personal credit information in your name(, your personal partner’s name) and of your business partners]. (leave out words in [ ] for clients with no access to consumer CAIS, leave out words in ( )if not planning to access financial partner’s information )

g) Public information such as County Court Judgments (CCJs) and bankruptcies.

h) Electoral Register information on you and your business partners.

i) Fraud prevention information.

j) Confirmation or otherwise that the usual residential addresses supplied by directors match those on the restricted register held at Companies House (or for those directors’ addresses registered under section 243 of the Companies Act, that the usual residential addresses supplied by directors match those on the credit reference agency’s proprietary business directory)


6. When information is supplied by us, to them, on your account(s): -

a) Credit reference agencies will record the details that are supplied on your business and business account [including previous and subsequent names of parties to the account and how you manage it/them].

Wef from October 2009 2 registers will operate at Companies House; a public register available to all and a restricted register available only to public sector organisations and credit reference agencies which may be accessed only for certain specified purposes

b) If your business borrows and does not repay in full and on time, credit reference agencies will record the outstanding debt.

c) Records shared with credit reference agencies remain on file for 6 years after they are closed whether settled by you or defaulted

d) Information on shareholders who are beneficial owners will be used and supplied to others only

i) for the purpose of the performance of identity checks

ii) with their specific consent


7. How your data will NOT be used by credit reference agencies:

a) It will not be used to create a blacklist.

b) It will not be used by the credit reference agency to make a decision.

How your data WILL be used by credit reference agencies:

c) The information which we and other organisations provide to the credit reference agencies about you, your business partners and details about your business (see 5e above) may be supplied by credit reference agencies to other organisations and used by them to

i) Prevent crime, fraud and money laundering by, for example checking details provided on applications for credit and credit related or other facilities

ii) Check the operation of credit and credit-related accounts

iii) Verify your identity if you or your business partner(s) applies for other facilities.

iv) Make decisions on credit and credit related services about you and/or your business partner, or your business.

v) Manage your personal, your business partner’s and/or business credit or credit related account(s).

vi) Trace your whereabouts and recover debts that you owe.

vii) Undertake statistical analysis and system testing.


8. How your data may be used by fraud prevention agencies:

a) The information which we provide to the fraud prevention agencies about you, your business partners and your business may be supplied by fraud prevention agencies to other organisations and used by them and us to:

i) prevent crime, fraud and money laundering by, for example: -

(1) ; checking details provided on applications for credit and credit related or other facilities

(2) Managing credit and credit related accounts or facilities

(3) Cross checking details provided on proposals and claims for all types of insurance.

(4) Checking details on applications for jobs or when checked as part of employment

b) Verify your identity if you or your business partner(s) applies for other facilities including all types of insurance proposals and claims.

c) Trace your whereabouts and recover debts that you owe.

d) Conduct other checks to prevent or detect fraud

e) Organisations may access and use from other countries the information recorded by fraud prevention agencies.

f) Undertake statistical analysis and system testing.


9. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.


10. Your data may also be used to offer you other products, but only if permitted.



How to find out more

For information about your personal data you can contact the 3 agencies currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.

CallCredit

Equifax www.myequifax.co.uk

Experian www.experian.co.uk

Please contact us at WF Capital Ltd (0207 305 7317, contact@wirefund.com