We are a credit broker not a lender. PBFS Commercial is an Appointed Representative of Optimum ELITE which is a trading name of Optimum Commercial Solutions Limited, registered in England and Wales 09518480. Optimum Commercial Solutions Limited is authorised and regulated by the Financial Conduct Authority FRN: 808754. PBFS Limited, is registered at 101 Walmgate, York, YO1 9UA. Company Register number is 14258496. Our FCA registration number is 985010. You can check via www.register.fca.org. We are registered with the ICO, ZB418256, and you can check via www.ico.org.uk. We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority. We may receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. PBFS Commercial Limited usually charges a fee for advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. Our aim is to provide you with a professional and efficient service. However, there may be occasions where you feel this has not been achieved and should you wish to make a complaint about any aspect of the service we provide to you, you can do this by writing to 101 Walmgate, York, YO1 9UA, or by telephoning us on 0800 505 3355 where we will try to resolve your concern at the earliest time possible.