Terms and Conditions – AVC Capital

GENERAL

  1. a) In these terms and conditions, the phrase “the Company” shall mean AVC Capital, and/or its associated entities.
  2. b) The financial services, funding arrangements, and consultancy provided by the Company are offered under the following Terms and Conditions. Any terms provided by clients shall only apply if they are not in conflict with these Terms and are confirmed in writing by the Company.

 

ACCEPTANCE AND VARIATION OF TERMS

  1. i) All discussions, proposals, illustrations, and quotations provided by AVC Capital, whether verbal or in writing, are for information purposes only and do not constitute binding offers. Engagement is only formalised upon written acceptance by the Company.
  2. ii) All finance arrangements are subject to credit approval by third-party lenders or underwriters. The Company reserves the right to withdraw or vary terms without liability until a formal finance agreement is signed and accepted by all parties.

iii) Fees, rates, commissions, and other charges quoted by the Company are based on market conditions at the time and may be subject to change prior to acceptance of a formal finance agreement. VAT may apply to certain services.

 

FINANCIAL SERVICES AND OBLIGATIONS

  1. i) The Company provides brokerage and advisory services in relation to asset finance, leasing, commercial loans, and other financial products through partnerships with regulated lenders.
  2. ii) AVC Capital is not a lender but acts as a broker. Where applicable, the Company will introduce clients to appropriate funding providers and assist with completing documentation, gathering necessary information, and managing communication.

iii) While the Company strives to secure competitive finance solutions, it does not guarantee acceptance or the availability of specific terms from funders.

  1. iv) Clients are responsible for providing accurate and up-to-date information to support any finance applications. The Company shall not be held responsible for delays or declines caused by incorrect, incomplete, or misleading disclosures.

 

CLIENT OBLIGATIONS

  1. a) The client agrees to act in good faith and to promptly provide all documents, consents, and verifications reasonably required by AVC Capital or its partner funders.
  2. b) If a client fails to cooperate or withdraws after formal engagement, the Company reserves the right to charge a cancellation or administrative fee to cover time and effort expended.
  3. c) The client acknowledges that entering into a finance agreement is a legal and financial commitment and agrees to review all terms, obligations, and repayment schedules before signing any contracts.

 

FEES, PAYMENT, AND COMMISSIONS

  1. a) Fees for services may be charged directly or received via commission from lenders, as disclosed to the client prior to engagement.
  2. b) Where direct fees are agreed, invoices must be paid within 14 days of issue unless otherwise specified. Late payments may incur interest at a rate of 2% per month and an administrative collection charge.
  3. c) AVC Capital may charge arrangement fees or processing fees, which will be notified in advance. These are non-refundable once a facility is approved and documentation issued.

 

CANCELLATION

  1. a) Once a formal finance agreement has been issued or approved by a lender, the client may not cancel without potential financial implications or lender-imposed penalties.
  2. b) If the client cancels after instructing AVC Capital but before completion, and substantial work has been carried out, AVC Capital reserves the right to invoice for time and consultancy costs, subject to a minimum £250 administration fee.
  3. c) If a client fails to respond or proceed within 30 days of pre-approval, the case may be closed and charges applied where applicable.

 

LIABILITY AND LIMITATION

  1. a) The Company provides services in good faith but cannot be held responsible for a lender’s decision, rate changes, or rejection. Liability is limited to the value of the service fee paid by the client directly to the Company.
  2. b) AVC Capital accepts no liability for indirect, consequential, or financial losses suffered by the client arising from lender decisions or delays.
  3. c) Nothing in these Terms limits liability for fraud, death, or personal injury caused by negligence, or any other liability which may not lawfully be excluded.

 

FORCE MAJEURE

The Company is not liable for delays or failure in performance caused by events outside its control, including regulatory changes, third-party decisions, market disruptions, pandemics, or IT/system failures.

COMPLIANCE AND LEGAL INTERPRETATION

  1. a) AVC Capital complies with relevant UK financial conduct and anti-money laundering regulations. The Company may carry out credit, ID, and compliance checks in accordance with legal requirements.
  2. b) These Terms and any disputes arising from them shall be governed by English Law, and the courts of England and Wales shall have exclusive jurisdiction.

 

SEVERANCE

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.