Terms and Conditions of Business
Please read these Terms and Conditions of Business carefully before using our services. By requesting a quote, completing our eligibility check or asking us to introduce you to a partner, you agree to be bound by them.
OneCloud Pvt Ltd trading as FundingNearMe · Company no. 16991609 · ICO ZC130857 · Last updated 6 November 2026
FundingNearMe is a trading style of OneCloud Pvt Ltd, registered at Jhumat House, 160 London Road, Barking IG11 8BB. FundingNearMe is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions.
1. About Us
1.1 FundingNearMe is a trading style of OneCloud Pvt Ltd, a private limited company registered in England and Wales, registered at Jhumat House, 160 London Road, Barking IG11 8BB.
| Registered company name | OneCloud Pvt Ltd |
| Trading style | FundingNearMe |
| Company number | 16991609 |
| ICO registration number | ZC130857 |
| Registered office | Jhumat House, 160 London Road, Barking IG11 8BB |
| Telephone | 020 8097 8468 |
| 07733 824096 | |
| hello@servingfoxes.co.uk | |
| Website | fundingnearme.co.uk |
| Opening hours | Monday to Friday 9am–6pm |
1.2 FundingNearMe helps UK businesses find business funding. We do this by introducing our clients to a carefully selected panel of trusted lenders and finance providers.
1.3 We are registered with the Information Commissioner's Office as a data controller (registration number ZC130857).
1.4 In these terms, "FundingNearMe", "we", "us" and "our" refer to OneCloud Pvt Ltd trading as FundingNearMe.
1.5 FundingNearMe is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions.
2. Definitions
2.1 In these terms, the following words have these meanings:
- Client or you: the business or organisation that uses our services.
- Partner: any third-party lender, finance provider or other business to whom we introduce you.
- Partner Contract: any agreement you enter into directly with a Partner.
- Services: our eligibility check, introduction and referral services, as described on our website.
3. Scope and Acceptance
3.1 These terms govern the relationship between you and FundingNearMe in relation to our Services. They do not govern the products or services supplied by Partners, which are subject to each Partner Contract.
3.2 These terms take effect when you first request a quote, call back or introduction, or submit our eligibility check, whichever happens first.
3.3 Any terms you propose, such as purchase order terms, will not apply unless we agree to them in writing.
4. Our Role as Introducer
4.1 FundingNearMe acts as an introducer. We gather information about your requirements and pass your details to one or more suitable Partners, who then contact you directly.
4.2 We are not a lender. We do not supply any finance ourselves, and we do not enter into any Partner Contract on your behalf.
4.3 We do not provide advice or personal recommendations on finance. Any information, quotation, advice or recommendation about a product is provided by the relevant Partner.
4.4 Each Partner is solely responsible for its own products and services, including pricing, eligibility, credit and underwriting decisions, and after-sales service, and for holding any authorisation or licence its activities require.
4.5 We work with a selected panel of Partners and do not search the whole market. We will introduce you to the Partner or Partners we believe best match the requirements you have given us.
4.6 You are under no obligation to proceed with any Partner. You are free to compare offers and decide whether to enter into a Partner Contract.
4.7 Results shown by our eligibility check are indicative only, based on the answers you give. They are not an offer of finance or a guarantee that you will be accepted.
5. How We Are Paid
5.1 Our Services are free of charge to you. We are paid by our Partners, usually as a commission or introduction fee when you enter into a Partner Contract.
5.2 We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.
5.3 The amount we receive may vary between Partners and products. You can ask us at any time for details of the payment we will receive for an introduction, and we will tell you before you enter into the Partner Contract.
5.4 We will never charge you a fee for an introduction unless we have agreed it with you in writing beforehand.
6. Business Finance
6.1 We introduce you to lenders and finance providers offering business loans, merchant cash advances, invoice finance, asset finance and similar products.
6.2 All applications are subject to the finance provider's own eligibility criteria, credit checks and approval. We cannot guarantee that finance will be offered, nor the amount, rate, terms or timescale.
6.3 The finance provider may carry out credit searches on your business and its directors, partners or guarantors.
6.4 Some finance may require a personal guarantee or security over property or assets, which may be at risk if repayments are not made. We recommend that you take independent legal and financial advice before giving any guarantee or security.
6.5 We only introduce finance that is not regulated by the FCA. If your requirement would be a regulated agreement, such as most borrowing of £25,000 or less by a sole trader or small partnership, we will tell you and will not act for you on it.
6.6 Information we give about government-backed schemes, such as Start Up Loans, is general information only. Eligibility and funding decisions rest with the scheme administrator.
7. Your Obligations
7.1 You agree to provide complete, accurate and up-to-date information, including financial information and business details, and to tell us promptly of any change.
7.2 If you act on behalf of a business, you confirm that you have authority to instruct us and to share its information with us and our Partners.
7.3 You must read each Partner Contract carefully, including its price, duration, renewal and cancellation terms, before you sign it.
7.4 You must not use our Services for any unlawful purpose or provide false or misleading information to obtain any finance.
8. Quotes and Estimates
8.1 Any quote or rate we pass on is based on the information you provide and on Partner prices at the time. Partner prices can change or be withdrawn without notice.
8.2 A quote is not a binding offer until the Partner confirms it in writing.
9. Limitation of Liability
9.1 Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited or excluded by law.
9.2 As an introducer, we are not responsible for the acts, omissions, products, services, prices, decisions or solvency of any Partner. This includes a lender's decision not to lend. Any claim relating to these matters should be made against the Partner.
9.3 We shall not be liable for any loss of profit, revenue, business, goodwill or anticipated savings, or for any indirect or consequential loss. Because our Services are provided free of charge, our total liability to you in connection with these terms shall not exceed £500.
9.4 We shall not be liable for any delay or failure caused by events beyond our reasonable control.
10. Data Protection and Privacy
10.1 OneCloud Pvt Ltd is registered with the Information Commissioner's Office under registration number ZC130857 and processes personal data in accordance with the UK GDPR and the Data Protection Act 2018.
10.2 By using our Services, you agree that we may share your information with relevant Partners so that they can contact you and provide quotes. Partners may also share information with credit reference agencies and fraud prevention agencies where required.
10.3 We may record telephone calls for training, quality and compliance purposes.
10.4 We will only send you marketing communications where you have agreed or where the law permits, and you may opt out at any time.
10.5 Full details of how we use your information are set out in our Privacy Notice.
11. Confidentiality and Intellectual Property
11.1 We will keep your business information confidential and use it only to provide our Services, except where disclosure is required by law.
11.2 All content on our website, including text, graphics, logos and the FundingNearMe name, belongs to OneCloud Pvt Ltd or its licensors and may not be copied without our written permission.
12. Complaints
12.1 We aim to provide an excellent service. If you are unhappy, please contact us at help@servingfoxes.co.uk or on 020 8097 8468. We will acknowledge your complaint and aim to resolve it within eight weeks, in line with our Complaints Policy.
12.2 Complaints about a Partner's products or services should be made to that Partner under its own complaints procedure. We will gladly help you direct your complaint to the right place.
13. Termination
13.1 You may stop using our Services at any time by contacting us. This will not affect any Partner Contract you have already entered into, which will continue on its own terms.
13.2 We may stop providing our Services to you at any time, including where we reasonably believe information you have provided is false or misleading.
14. General
14.1 We may update these terms from time to time. The version published on our website when you use our Services will apply.
14.2 If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force.
14.3 No delay or failure to enforce any provision of these terms shall operate as a waiver of that provision.
14.4 We may transfer our rights and obligations under these terms to another organisation, provided this does not reduce your rights.
14.5 No third party shall have any right to enforce these terms under the Contracts (Rights of Third Parties) Act 1999.
15. Governing Law and Jurisdiction
15.1 These terms are governed by the laws of England and Wales, and you agree to the exclusive jurisdiction of the courts of England and Wales.