Financing Disclosures

1. We are an adviser, not a lender

Loura Advisory does not approve or issue credit, hold client funds or disburse financing. We advise on structure and route, prepare the case, and — only on your written instruction — present it to selected providers.

2. No guarantee of approval, funding or terms

We do not guarantee that any financing will be approved or funded, nor do we guarantee quantum, interest rate, fees, tenure, security requirements or any other term.

All financing is subject to the relevant provider's own assessment, criteria, documentation and final approval, which may be withdrawn or varied at their discretion.

3. Illustrative figures

Any figures or examples shown on this website are illustrative only. They are not an indication of what any particular business will be offered, and they are not an offer of credit.

4. Preliminary assessments and analysis tooling

Our internal case intelligence supports document classification and preliminary assessment. It does not approve financing, cannot commit any provider, and never contacts a provider. A named consultant reviews and signs off every assessment before it is shared with you.

5. No submission without instruction

Nothing is submitted to any provider without your written instruction. You are told which providers are proposed, in what order, and what the case contains before it leaves our office.

6. Credit records and searches

Assessment typically involves Credit Bureau (CBS) records for directors and guarantors. Applications may be visible to other providers. Multiple simultaneous applications can adversely affect how your case is received.

7. Risk warnings

Business borrowing carries real consequences. Before proceeding, consider the following.

• Secured facilities put the pledged asset, including property, at risk if repayments are not met
• Personal guarantees expose directors personally to the obligation
• Short-tenure or high-frequency repayment facilities can strain cashflow severely
• Default may lead to enforcement, recovery action and lasting damage to your credit record

8. Fees and remuneration

Any advisory fee payable by you, and any introducer fee payable to us by a provider, is disclosed in writing before work proceeds. Our recommendation is documented against provider criteria so the basis for it can be reviewed.

9. Independent advice

Nothing we provide is legal, tax or accounting advice. You should obtain independent professional advice and read every provider's facility documents in full before signing.