Privacy Policy of www.lendingbox.co.uk

Last updated: March 2026

1. Who we are

Lending Box Ltd ("we", "us", "our") is located at 128 City Road, London, EC1V 2NX. We are a registered company in England and Wales, company number 15386134. We are registered with the Information Commissioner's Office (ICO): ZB646186. We act as a commercial finance broker, connecting UK businesses with lending partners across the alternative finance market.

2. What data we collect

We may collect and process the following personal data:

  • Your name, email address, phone number, and business address.
  • Business information including company name, registration number, trading history, and financial details such as turnover and existing debt.
  • Bank statements, accounts, and other financial documentation you provide.
  • Information about directors and shareholders where relevant to a funding application.
  • Data collected automatically when you use our website, including IP address, browser type, pages visited, and cookies.
  • Any other information you voluntarily provide to us.

3. How we use your data and our lawful bases

We process your data under one or more of the following UK GDPR lawful bases:

  • Contract: To perform our contract with you — matching you with suitable finance products and managing your application.
  • Legitimate interest: Improving our services, internal analytics, and fraud prevention.
  • Consent: Marketing communications, where applicable.
  • Legal obligation: Regulatory and compliance requirements.

Our primary purpose is to help you find suitable business finance and secure better terms for your working capital requirements. Specifically, we use your data to:

  • Assess your funding needs and match you with appropriate lender partners.
  • Submit applications to lenders on your behalf.
  • Manage your personalised dashboard and account on our platform.
  • Communicate with you about your application, offers, and ongoing funding options.
  • Conduct affordability and eligibility assessments.
  • Carry out fraud prevention checks via third-party agencies, the electoral register, and Companies House.
  • Improve our services and platform.

4. Use of Artificial Intelligence and automated processing

We use artificial intelligence (AI) and automated tools as part of our service to assist with:

  • Matching your business profile to suitable funding products.
  • Analysing your financial information to identify relevant lender partners.
  • Generating initial assessments and recommendations within your dashboard.
  • Supporting communications and customer service.

While AI assists our processes, all significant lending decisions are made by our lender partners (not by us), and our relationship managers provide human oversight throughout the application journey. You have the right to request human review of any decision that significantly affects you. You can contact us at any time if you have questions about how automated tools are used in your application.

5. Sharing your data with third parties

To provide our service, we share your personal and business data with the following categories of third parties:

  • Lender partners and funders to whom we submit your application.
  • Credit reference and fraud prevention agencies.
  • Companies House and other public registries.
  • Our professional advisors (accountants, legal).
  • Your own advisors (accountants, solicitors) where you have authorised this.
  • Technology and platform service providers who support our systems.
  • Marketing and analytics providers (in anonymised or aggregated form where possible).

We may also share data where required by law or regulation, or to protect our legal rights. We do not sell your personal data. However, as a broker, sharing your data with lending partners is fundamental to the service we provide.

6. Commission and commercial relationships

We may receive commission, fees, or other remuneration from lender partners when a funding application is successfully completed. This is how we are primarily remunerated for our services. The existence of commission arrangements does not affect our obligation to act in your best interests. You are entitled to request details of the commission we receive in relation to your specific application at any time.

7. Data retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, typically for a minimum of 6 years after the end of our business relationship, in line with regulatory and legal requirements. Data used solely for marketing will be retained until you withdraw consent.

8. Your rights

Under UK GDPR, you have the right to:

  • Access the personal data we hold about you.
  • Rectify inaccurate or incomplete data.
  • Erase your data (in certain circumstances).
  • Restrict or object to processing.
  • Data portability.
  • Withdraw consent at any time (where consent is the lawful basis).
  • Not be subject to solely automated decision-making that significantly affects you.

To exercise any of these rights, please contact us at the details below.

9. Cookies

Our website uses cookies and similar technologies. For full details, please see our Cookie Policy.

10. Security

We take appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, or misuse.

11. Changes to this policy

We may update this policy from time to time. The latest version will always be available on our website.

12. Contact us and complaints

If you have any questions about this privacy policy or wish to exercise your rights, please contact us at:

Lending Box Ltd, 128 City Road, London, EC1V 2NX
Email: info@lendingbox.co.uk

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.