These are the terms and conditions (“the terms”) governing the use of this website (“the Website”) which is wholly owned by Cutting Edge Analysis Limited (“the Company”). These terms apply to each user and/or visitor to the Website and are governed by English law.

  1. Asset Invoice and are trading names of Cutting Edge Analysis Limited, a credit broker only, that does not provide any services as a funder or provider of credit.
  2. This page gives details of our Terms of Business.  Please note that these apply in addition to the Terms Of Website Use, which you may consult at Insert link. You may want to print off a copy and keep it with your records.
  3. We do not require you to sign or countersign or otherwise indicate agreement to the Terms of Business. However, you are deemed to agree to them, and to be bound by them, if you engage Asset Invoice to act as a credit broker for your business.
  4. Cutting Edge Analysis Limited t/a Asset Invoice or is a UK based broker specialising in invoice finance. We deal with many of the major Invoice Finance providers. We also have a separate department that specialises in R&D grants and tax credits. We are a credit broker only and not a funder. Our service to you is free of charge and confidential.
  5. We support our clients in seeking funding to meet their requirements. We find suitable solutions for your business from our panel of independent finance providers.
  6. Our services can include:
    1. An assessment of your specific funding and business requirements;
    2. A recommended shortlist of typically 1 – 3 lenders from our panel whom we consider could fit your needs;
    3. Continued guidance through the process of the negotiation of your funding with the lender;
    4. Feedback in respect of the pros and cons of the lender’s facility; and
    5. After care service once you become a live client.
  7. We recognise it is important for you to be able to shop around for credit and alternative sources of credit and we would be happy to assist you if required. Please note the following, however;
    1. We do not provide legal advice. If you are presented with loan documentation for agreement with a lender who we have introduced to you, it is your responsibility to seek legal advice from an appropriately experienced solicitor.
    2. We are not responsible for advising you on the solvency of your business or on whether it may be insolvent. The law imposes obligations on the directors or owners of a business that is or may be technically insolvent, and if the reason you are seeking loan finance is connected with the solvency of your business, you should take advice on your obligations from a qualified insolvency practitioner.
    3. We do not provide taxation, fiscal or investment advice.
    4. We are here to offer a credit broking service as described, and will introduce you to appropriate lenders from our panel in this respect, based on the information that you provide to us. This does not amount to advice from us to you on the full commercial operation of your business, which is likely to depend on information that we do not have and are not entitled to see or receive. Accordingly, the decision to proceed with one of our recommended lenders (if any) is ultimately yours.
  8. We always aim to treat you fairly. This means that we will always endeavour to:
    1. Conduct our business with due skill, care and integrity;
    2. Never put ourselves in a position where our primary duty to you is compromised;
    3. Deal with any complaints sympathetically and independently of the colleague concerning whom the complaint is directed;
    4. Be transparent in the matter of our remuneration; and
    5. Respect your confidentiality.
  9. As already noted, Asset Invoice does not charge for using our credit broking services.
  10. Asset Invoice will receive commission payments from any funder that we successfully  introduce to you. Our Consultants are not made aware of the commission rates and therefore will not be influenced by this as a factor when making introductions to any of our panel funders. We expect our panel funders to disclose to you that Asset invoice will be paid a fee for a successful introduction, and to make full details of commission actually paid, upon request.
  11. Please note that where you return to a lender whom we have introduced in order to negotiate a further facility at some point in the future, we may be entitled to a further commission payment in relation to that facility as well.
  12. We consider, in view of our business profile, that it is extremely unlikely that our relationship with you is going to give rise to a conflict of interest.
  13. However, in theory:
    1. Asset Invoice, or one of our Directors or Consultants, could have an interest in a lending company on our panel: or
    2. Circumstances could arise where our duties to you conflict with our duties to another client of Asset Invoice.
    3. If so, we will make you aware of the conflict of interest and we will obtain your consent before your instructions are carried out.
  14. If you wish to register a complaint with respect to our services under these Terms of Business, please contact Kevin Prescott, Director, in writing at Cutting Edge Analysis  Limited t/a Asset Invoice c/a Wilson Stevens, 4th Floor, 100 Fenchurch Street, London, EC3M 5JD.
  15. Our responsibility under these Terms of Business is to assist you to find a company willing to lend money to your business in accordance with the needs and profile of the business that you have disclosed to us. We are not responsible for the manner in which you use the loans advanced to you or the consequences of these financial transactions for your business.
  16. Any discussion that you have with a panel funder that is outside the scope or purpose of these Terms of Business, and the consequences for you or your business of any such discussion and any transaction or investment that arises from such discussion, are not our responsibility for any purposes whatsoever.
  17. We present lenders on our panel to you on the basis that we have used reasonable care to ensure that those lenders are honest, responsible and (where necessary) an appropriately regulated business. We do not accept responsibility to you for any loss you may sustain or any costs or expenses you may incur which arise due to a failure or demerit in a lender of a nature that it would not have been reasonable for us to have detected by our normal due diligence procedures.
  18. Nothing in these Terms of Business excludes or limits our responsibility to you for:
    1. Fraud;
    2. death or personal injury as a result of our negligence.
  19. In order for us to fulfil our responsibilities to you, you are expected to read any documentation we give you and let us know if there is anything that is unclear or does not represent your requirements, and pose any other question that affect your use of our services. We will not be responsible to you if as a result of deficient information or lack of information from you, we make arrangements that are not wholly appropriate for your business.
  20. If, in the course of our relationship with you, you or your business suffer material changes (specifically, though not exclusively referring to material adverse financial changes), you must inform us accordingly, unless you are under a formal legal obligation not to do so.
  21. Should we incur material cost or expense or sustain material loss as a result of your failure to comply with paragraphs 19 or 20, we are entitled to an indemnity from you to the extent of such cost, expense or loss.
  22. Asset Invoice complies with the Data Protection Act 2018 and abides by the requirements of the Act, the General Data Protection Regulation and any relevant regulations made thereunder.
  23. All information we receive from you is held by us in strict confidence and is used exclusively in order to provide quotations and arrange finance with a lender. We will not supply your confidential information to any person other than a potential lender from our panel without your prior consent (unless we are required to do so by the law, or by a court order).
  24. You have the right to require us to cease to use the information that you have provided to us (either generally or with respect to any specific piece of such information). If this makes it practically speaking impossible for us to provide our services to you under these Terms of Business, we will notify you of this and bring the relationship to an end.
  25. Lenders from our panel may make a credit search with a credit reference agency. If you are a company or partnership, the lender will also make enquiries about the principal director(s) or partner(s) with that credit reference agency. Full details of the use and disclosure of your information by the funder must by law be set out in the terms of the offer of any loan which the funder proposes to make, and you should read all of this carefully before signing.
  26. All our customers’ records are treated as private and confidential and Asset Invoice therefore reserves the right to give you copies of your particular records rather than allow access to files containing records concerning other clients. If you want sight of your records please send a request in writing to:
    1. Kevin Prescott, Director, Cutting Edge Analysis  Limited t/a Asset Invoice c/a Wilson Stevens, 4th Floor, 100 Fenchurch Street, London, EC3M 5JD.
  27. These Terms of Business will apply as between Asset Invoice on the one hand and, on the other hand:
    1. you yourself, if a sole trader; or
    2. your company or partnership, if you are applying for our services as a company or a partnership.
  28. Accordingly only you (as explained above) and we are parties to these Terms of Business and for the purposes of the Contracts (Rights of Third Parties) Act 1999, no other person has a right to enforce any provision of these Terms of Business.
  29. We will ask you to provide us with an address at which we will send you any formal communications and notices. Any formal communication or notice you need to send to us should be sent to the address in paragraph 26.
  30. Either party may terminate the relationship under these Terms of Business on written notice to the other with immediate effect.
  31. These Terms of Business are subject to English law and the English courts have exclusive jurisdiction relating to any matters arising from them.

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