Terms & Conditions

Last updated: June 2026

These terms set out the rules for using our website out.fund (our site).

Who we are and how to contact us

out.fund is a site operated by MTL Financial Limited ("we"). We are registered in England and Wales under company number 10923992 and have our registered office at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ. Through our site we provide business funding and related services ("the Services").

To contact us, please email support [at] out.fund or telephone our customer service line on 020 8089 5030.

By using our site you accept these terms

By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not wish to be bound by the terms set out below, you should not use (or continue to use) our site. Your acceptance of these terms and conditions will be demonstrated by your confirming acceptance by selecting the "Log in" or the "Read and Agree" checkbox as part of your online sign-up request. Your application to use our site will not be processed if you do not confirm acceptance of these terms.

There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our site:

• Our Privacy Policy. See further under "How we may use your personal information".
• Our Cookie Policy, which sets out information about the cookies on our site.

By using our site and uploading content you authorise us to provide the information we hold about you, including information that identifies you and any relevant person associated with the business, to our third party providers.

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

We may make changes to our site

We may update and change our site from time to time to reflect changes to our services, our customers' needs and our business priorities.

Our site is only for users in supported geographical locations

Our site is directed to people residing in or businesses registered in the UK, Spain and Germany. We do not represent that content available on or through our site is appropriate for use or available in other locations. Our Services are intended for your own business-related purposes only.

You must keep your account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at support [at] out.fund.

Limitations of what we offer

• We cannot guarantee that our Services will be successful for you, neither are we obliged to provide our Services to you.
• Our Services are based on information from third parties over which we have no control, and may contain inaccuracies or errors.
• Where you have not made us aware of your specific needs, it is your responsibility to ensure that any recommendations made through the Services meet your requirements.
• You use and download information from the Services at your own risk and should use software to detect and disinfect viruses in any information you use and download.
• The availability of third-party sites, links, services or information via the Services does not constitute any recommendation, advice, endorsement or publication by us, and we are not responsible for any such sites, links, services or information provided by any third party.
• We reserve the right to change any aspect of the Services at any time without notice, to suspend access to or provision of the Services, or to cease to provide them and the access to our site.

Do not rely on information on this site

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely as the basis for making or not making any decision, and you should obtain your own independent financial, accounting, tax and/or legal advice concerning your activities in connection with the Services and any finance application and/or agreement.

Your usage and responsibilities

By using the Services, you agree to notify us promptly of any changes in the details you have provided to us. You shall ensure that all information you provide to us is complete, true, up-to-date and accurate in all respects.

You agree that we may carry out identity verification and credit checks on you and your owners or directors, as applicable. You and your owners or directors acknowledge that credit reference agencies link together the records of you and anyone that you have advised is a financial associate, including previous and subsequent names of parties to the account. Links between financial associates will remain on your, and their, credit reference files until such time as you or your associate successfully files for a disassociation with the credit reference agencies. We and any approved lender/finance provider may take into account information about your and your owners' or directors' financial associates in your or their credit reference.

You agree not to use the Services in a way that harms our reputation, and you agree to comply with all applicable laws and regulations, including the General Data Protection Regulation (GDPR). The content, offers and commentary provided to you on or via this website are done so in confidence and are for your personal reference and information only. By proceeding with an application, you agree not to disclose or share such materials — including the names, titles and communications of Outfund staff — with third parties or in any public forum. You agree to indemnify and hold us, our staff, officers, group companies and partners harmless from loss, damage or claim made by third parties and/or incurred as a result of your breach of these terms.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You may print off one copy, and may download extracts, of any page(s) from our site for your personal use, and you may draw the attention of others within your organisation to content posted on our site. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged. You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Connecting third-party accounts

Where you connect third-party accounts (such as your banking, payment processor, accounting or advertising accounts) to our site, you authorise us to access and use the data from those accounts to provide the Services, in accordance with our Privacy Policy. Our use of information received from third-party application programming interfaces (APIs) will comply with the applicable third party's API terms and policies, including, where relevant, the Google API Services User Data Policy (including its Limited Use requirements). You may withdraw a connected account at any time, although doing so may prevent us from continuing to provide some or all of the Services.

Our responsibility for loss or damage suffered by you

Whether you are a consumer or a business user, we do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors, and for fraud or fraudulent misrepresentation.

If you are a business user:

• We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it or the provision of the Services.
• We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with: use of, or inability to use, our site; use of or reliance on any content displayed on our site; or the provision or use of the Services.
• In particular, we will not be liable for: loss of profits, sales, business or revenue; business interruption; loss of anticipated savings; loss of business opportunity, goodwill or reputation; or any indirect or consequential loss or damage.

How we may use your personal information

As part of providing our Services to you, our systems will gather data provided by you — in some instances from your systems, such as accounting software — as well as from third-party sources. We may share data provided by you with our panel of approved lenders/finance providers, and they may share with us information regarding your case, such as its current status and outcome. We will only use your personal information as set out in our Privacy Policy.

Uploading content to our site

Whenever you make use of a feature that allows you to upload information to our site in connection with our Services, you warrant that such information is complete and accurate, and you will be liable to us and indemnify us for any breach of that warranty. You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored, or any server, computer or database connected to our site, and you must not attack our site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision you would commit a criminal offence, and we will report any such breach to the relevant law enforcement authorities and co-operate with them by disclosing your identity. In the event of such a breach, your right to use our site will cease immediately.

Entire agreement

These terms of use, together with our Privacy Policy and Cookie Policy and any documents expressly referred to in them, constitute the entire agreement between you and us in relation to your use of our site and supersede any previous agreement, arrangement or understanding between us relating to it.

General

• Severability. If any provision of these terms is found by a court or competent authority to be invalid, unlawful or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect.
• No waiver. If we fail to insist that you perform any of your obligations under these terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you or that you do not have to comply with those obligations.
• Assignment. We may transfer, assign or subcontract our rights and obligations under these terms to another organisation. You may not transfer or assign any of your rights or obligations under these terms without our prior written consent.

Which country's laws apply to any disputes?

These terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.