Legal
Last updated: September 2026
Avogadro Financial is an appointed representative of Beneficial Ltd (FRN: 736655) and is authorised and regulated by the Financial Conduct Authority, FRN: 1055607. Avogadro Financial is an authorised Credit broker not lender.
You can check via https://register.fca.org.uk/s/
Avogadro Financial is a member of the National Association of Commercial Finance Brokers (NACFB). We adopt a strict Code of Practice and Minimum Standards set by the Association. You can check our membership status by contacting the NACFB at https://www.nacfb.org
Avogadro Financial works with an unrestricted number of Lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration.
Once we have found a potentially suitable arrangement, we will present to you the agreements which we believe achieve the most suitable and appropriate customer outcome for you based on the information you have provided us with. It is important that you read the whole document carefully.
We will advise and make a recommendation for you after we have assessed your needs. Please contact your accountant or financial advisor for impartial advice.
We offer a wide range of commercial financial products including: Residential mortgages, Leasing and Asset finance, commercial mortgages, property development finance, buy to lets, Cashflow finance, Invoice finance, revolving credit facilities. If there is something you require and are not sure of, please feel free to enquire.
Where we charge a fee, the amount will vary depending on your circumstances and the product or finance arrangement selected. Any fee payable to us will be clearly outlined in the illustration provided to you before we proceed with any application or arrange any finance on your behalf.
Whichever lender we introduce you to, we will receive commission from. Different lenders pay different amounts based on different commission models and interest amounts. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow, rate for risk (this is based on the risk profile of the proposal).
Under some commission models we operate under, the more that you pay to the lender, the more we may receive by way of commission.
Further details regarding the nature of Commission, existence, calculation and amount of commission will be provided to you throughout your customer journey; this information will include any fees from the lender that we the broker may benefit from.
Where you have been introduced to us by a third-party Ancillary Service, dealer or introducer, we will confirm to you whether any commission payments have been made to them.
We rely on you the customer for the accuracy of statements, information and representations notified to ourselves. Please ensure all the information you provide to us is fully up to date, accurate and complete and does not omit anything which could be material to your application.
Lenders will assess your ability to pay. You should make us aware of any future changes that may affect your ability to make the payments detailed in your agreement. These changes will be communicated to the creditors lending unit for further consideration.
If you have any health issues or anything else that could affect your ability to fully understand the product or commitment you are entering into, you should consider very carefully whether you need further time to consider this application or whether you would like a family member or friend to help you to make your decision. Please tell us if this is the case.
Missed payments could possibly result in the risk of losing the asset which is the subject of the Finance Agreement and the loss this could entail. The repossession can take place without a court order. The repossession may not clear the debt owed.
To approve your application our lenders will supply your personal information to Credit Reference Agencies and the Credit Reference Agencies (CRAs) will give the funders information about you, such as your financial history. The lenders do this to assess credit worthiness, product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity. The lenders will continue to exchange information with the CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants, or other financial associates.
The personal information you have supplied may also be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and verify your identity. If fraud is detected, you could be refused certain services, finance or employment.
We only retain personal data for the purposes for which it is collected and for a reasonable period thereafter where there is a legitimate business need or legal obligation to do so. For details of our current retention policy, email Hello@avogadrofinancial.co.uk
Avogadro Financial is registered with the Information Commissioners Office (ICO), reference number ZC096629.
If you wish to register a complaint, please contact us:
A copy of our complaints procedure is available upon request.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Contact: 0800 0234567, 0300 1239123. Website: www.financial-ombudsman.org.uk
Your transaction may be covered by the FSCS for regulated transactions only. The FSCS is the UK's statutory Deposit insurance and investors compensation scheme for customers of authorised financial services firms. FSCS exists to protect customers of financial services firms that have failed. If the company you've been dealing with has failed and can't pay claims against it, the FSCS may be used to pay compensation.
You can find out more about FSCS at www.fscs.org.uk