Terms & Conditions

Effective Date: 20 July 2026

1. Introduction

Welcome to the website of Joefizz Asset Finance Ltd (“Joefizz”, “we”, “our” or “us”).

These Terms & Conditions govern your use of our website, www.joefizz.co.uk (“Website”). By accessing or using this Website, you agree to comply with these Terms. If you do not agree, please stop using the Website.

2. Company Information

Joefizz Asset Finance Ltd

Registered Office:

16 Clos Winmill

Old St Mellons

Cardiff

CF3 6BE

Company Registration Number: 06012948

VAT Registration Number: 891356008

Email: hello@joefizz.co.uk

3. Our Services

Joefizz Asset Finance Ltd provides commercial finance brokerage services to businesses.

We specialise in arranging finance solutions for:

Limited companies;
Sole traders requiring finance of £25,001+;
Partnerships requiring finance of £25,001+; and
Other commercial entities.

Our services include:

Asset Finance;
Business Loans;
Invoice Finance;
Merchant Services; and
Other business finance solutions.

All finance arranged through Joefizz Asset Finance Ltd is intended for business purposes only.

We do not provide consumer finance or personal lending.

Joefizz Asset Finance Ltd acts as a finance broker and introduces businesses to lenders and finance providers. We do not provide finance directly and we do not make lending decisions.

4. Regulatory Status

Joefizz Asset Finance Ltd provides unregulated commercial finance brokerage services.

Our services are intended for businesses and are not regulated consumer credit activities.

Customers should ensure that any finance facility they enter into is suitable for their own business requirements.

Where appropriate, businesses should seek independent professional advice before entering into any finance agreement.

5. Information Only

The information on this Website is provided for general guidance only.

Nothing on this Website constitutes financial, legal, tax or investment advice.

You should obtain independent professional advice before entering into any financial agreement.

6. Finance Applications

All finance applications are subject to:

lender approval;
lender assessment criteria;
business circumstances;
creditworthiness checks;
verification of information; and
lender terms and conditions.

Finance approval decisions are made solely by the lender.

7. Business Customer Declaration

By submitting an enquiry through this Website, you confirm that:

You are seeking finance wholly or predominantly for business purposes;
You are authorised to make enquiries on behalf of the business;
All information supplied is accurate, complete and truthful;
You understand that Joefizz Asset Finance Ltd acts as a broker and not as a lender;\
You understand that submitting an enquiry does not guarantee approval or availability of finance.

8. Fees and Commission

Joefizz Asset Finance Ltd may receive commission from lenders where finance is successfully completed.

Commission arrangements may vary depending on the lender and the finance product selected.

Where a broker fee is payable by you, this will always be clearly explained and agreed before any commitment is made.

9. Accuracy of Information

Whilst we take reasonable care to ensure the Website information is accurate, we do not guarantee that all content is complete, accurate or up to date.

We reserve the right to amend information without notice.

10. Intellectual Property

All content on this Website, including logos, branding, text, graphics, downloads and images, is the property of Joefizz Asset Finance Ltd unless otherwise stated.

No material may be copied, reproduced or distributed without our prior written consent.

11. Third Party Websites

Our Website may include links to external websites.

These links are provided for convenience only.

Joefizz Asset Finance Ltd accepts no responsibility for the content, availability or privacy practices of third-party websites.

12. Limitation of Liability

To the fullest extent permitted by law, Joefizz Asset Finance Ltd shall not be liable for any indirect, consequential or financial losses arising from the use of this Website.

Nothing in these Terms excludes liability that cannot legally be excluded under the laws of England and Wales.

13. Privacy

Your use of this Website is also governed by our:

Privacy Policy; and
Cookie Policy.

These documents explain how we collect, process and protect your information.

14. Changes

We reserve the right to amend these Terms & Conditions at any time.

The latest version will always be available on this Website.

15. Governing Law

These Terms & Conditions are governed by the laws of England and Wales.