Regulatory Status & Important Information

Dive Seeks Limited acts as an introducer and intermediary for business-purpose and specialist business and property finance enquiries. We introduce enquiries to lenders and finance partners. We are not a lender and we do not provide finance ourselves.

Dive Seeks Limited is not authorised or regulated by the Financial Conduct Authority (FCA).

Some business-purpose finance falls outside FCA regulation. Whether a particular finance agreement is regulated can depend on the borrower, the property, the purpose of the finance and how the transaction is structured, so we cannot say in advance that any enquiry is unregulated.

If an enquiry may involve regulated activity, for example where the borrower is an individual or the property is or will be occupied by the borrower or a relative, we may need to refer it to an appropriately authorised firm or to a lender able to consider it. We will let you know if this applies.

The protections that apply to FCA-regulated finance, which may include access to the Financial Ombudsman Service, may not apply to finance we introduce. If you are unsure whether your circumstances involve regulated finance, please tell us or take independent advice before proceeding.

Bridging finance

Bridging finance is normally short-term. A credible repayment or exit strategy is important, and it is sensible to consider what would happen if the planned exit, such as a sale or a refinance, is delayed or does not go ahead.

Merchant Cash Advance

Merchant cash advance repayments are generally linked to a business's card or payment turnover, depending on the provider and product structure. A merchant cash advance may not be structured like a conventional loan, so it is important to read the provider's documentation to understand how it works and what it costs.

All finance

• All finance is subject to lender criteria, underwriting and approval, and approval is not guaranteed.
• Rates, fees, security requirements and timescales vary by lender, product and case.
• Depending on the lender and the product, finance may require security, guarantees, or credit and other checks.
• Please make sure you understand the total amount payable and any fees or early repayment charges before you proceed, and take independent advice if you are unsure.