Terms & Conditions
Last updated 30 July 2026
These terms govern your use of certuscredit.com and the enquiry form on it. By using the site you accept them. If you do not accept them, do not use the site.
Who we are
Certus Credit is a debt advisory firm. We represent operating businesses seeking commercial financing. We prepare the lending file, present it to qualified lenders, and manage the process through closing.
Certus Credit is not a lender. We do not lend, commit capital, or make credit decisions. Credit decisions rest with lenders. Nothing on this site is a commitment to arrange, place, or provide financing, and no outcome is guaranteed.
Business use only
We arrange business-purpose commercial financing only. We do not offer or arrange consumer credit, and this site is not for personal, family, or household borrowing. By submitting an enquiry you confirm that the request is for business purposes, that you are at least 18, and that you are authorised to submit the information on behalf of the business named.
What this site is not
- It is not an offer of credit, a commitment to lend, or a term sheet.
- It is not an offer to enter into an advisory engagement. An engagement begins only under a separate written engagement letter signed by both sides.
- It is not legal, tax, accounting, or investment advice. Take your own advice before acting.
The enquiry form
The form on this site is how a conversation starts. Submitting it does not create an engagement, an obligation on either side, or any entitlement to financing. We may decline any enquiry for any lawful reason, and we say plainly when a situation is not one we can help with.
You are responsible for the accuracy and completeness of what you submit. We rely on it to assess whether we can help, and later to prepare a file. Material that is inaccurate or incomplete can end an engagement.
Engagements and fees
An engagement with Certus Credit is advisory and defined in scope. It is governed by a written engagement letter, under a defined engagement fee and a success fee at closing. The engagement letter, not this site, sets out the scope, the fees, the conditions, and the termination terms. Where the two conflict, the engagement letter governs.
Fee arrangements vary with the situation and with the requirements of the jurisdictions involved. Nothing on this site is a quote.
What we place
We place financings across refinancing, working capital, equipment, merchant cash advance consolidation, and acquisitions. Merchant cash advance work is consolidation and payoff of existing positions. We do not arrange new merchant cash advance funding, and we do not place real estate financings.
Confidentiality
We treat the information you give us as confidential and use it to assess and, under an engagement, to advance your financing. Presenting your file to lenders is the service, and under an engagement you instruct us to do so. Our handling of information is described in the Privacy Policy.
Third-party services
Parts of this site rely on third parties, including the provider that hosts the enquiry form, the provider that hosts the site, the provider that serves its typefaces, and the provider that handles call scheduling. Their own terms apply to their services. We are not responsible for third-party sites we link to or for their content.
Intellectual property
The content, design, marks, and materials on this site belong to Certus Credit or are used under licence. You may not copy, reproduce, or reuse them without written permission, other than viewing the site in the ordinary way.
Acceptable use
Do not submit false information, submit information about a business you are not authorised to act for, attempt to interfere with the site or its security, use automated means to scrape or overload it, or use it for any unlawful purpose.
Disclaimers
The site is provided as is and as available. To the fullest extent permitted by law we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted or error free, or that any information on it is complete or current.
Any timelines, ranges, or descriptions of how financings typically move are general market observations, not commitments, predictions, or promises about your file.
Limitation of liability
To the fullest extent permitted by law, Certus Credit and its officers, employees, and agents are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost financing, lost business, or lost data, arising out of your use of this site, whether in contract, tort, or otherwise, even if advised of the possibility. Liability arising from an engagement is governed by the engagement letter.
Indemnity
You agree to indemnify Certus Credit against claims, losses, and reasonable costs arising from your breach of these terms, from information you submit that is false or that you were not authorised to submit, or from your unlawful use of the site.
Governing law
These terms are governed by the laws of the state in which Certus Credit maintains its principal place of business, without regard to its conflict of laws rules. The state and federal courts serving that location have exclusive jurisdiction over any dispute arising from these terms or from use of this site, and you consent to that jurisdiction and venue.
Changes
We may update these terms. The date at the top shows when they were last changed. Continued use of the site after a change means you accept the revised terms.
How to reach us
Certus Credit does not publish an email address. To reach us about these terms, use the enquiry form at certuscredit.com/apply and note in the free-text field that your message concerns the terms. It reaches the same desk.
Certus Credit is an advisory firm, not a lender. We arrange and manage financing processes; credit decisions rest with lenders, and no outcome is guaranteed. We arrange business-purpose commercial financing only.