Terms & Conditions

Last updated: 11 September 2026

These Terms & Conditions govern your use of the Sterling Bridge Finance website and the submission of enquiries through our website, forms, telephone, email or other communication channels.

Please read these terms carefully before using our website or submitting an enquiry.

1. About Sterling Bridge Finance

Sterling Bridge Finance is a trading name of Gem Master Group Ltd, a company registered in England and Wales.

Trading address:
17 New Market Street
Blackburn
BB1 7DR
United Kingdom

Email: contact@sterlingbridgefinance.com
Telephone: 0330 133 5875

Throughout these Terms, references to “Sterling Bridge Finance”, “Sterling Bridge”, “we”, “us” or “our” refer to Gem Master Group Ltd trading as Sterling Bridge Finance.

2. Our Services

Sterling Bridge Finance provides access to and support with a range of finance and insurance enquiries, which may include:

Business finance
Business loans and working capital
Asset and equipment finance
Invoice finance
Growth finance
Property and commercial finance
Bridging finance
Personal finance
Car and vehicle finance
Business, property, motor and other insurance products

The exact products and services available may change from time to time.

3. Our Role

Sterling Bridge Finance is not a lender and does not itself make lending decisions.

Depending on the product or service requested and the arrangements applicable to that service, we may act as an intermediary or introducer and work with relevant lenders, brokers, insurers or other providers to explore suitable options.

We do not guarantee that every provider or product available in the market will be considered.

Submitting an enquiry to Sterling Bridge Finance does not constitute an application for, or acceptance of, a particular financial product unless specifically stated.

For regulated products or services, the precise regulatory capacity in which services are provided will be disclosed where required.

4. No Guarantee of Finance or Insurance

Submitting an enquiry does not guarantee:

acceptance or approval;
that finance will be available;
a particular funding amount;
a particular interest rate or APR;
a particular repayment term;
acceptance for an insurance policy;
a particular premium;
or any other financial outcome.

Any finance or insurance offered will be subject to the relevant provider's eligibility criteria, assessment, underwriting, affordability requirements, terms and conditions and, where applicable, credit checks.

A provider may offer a different amount, rate, term or product from the one originally requested.

5. Information You Provide

You agree that information supplied to Sterling Bridge Finance will, to the best of your knowledge, be accurate, complete and not misleading.

Depending on your enquiry, additional information or documents may be requested.

These could include identification, proof of address, financial information, bank statements, business accounts, details of income or employment, information regarding assets or property and other information reasonably required to assess or progress an enquiry.

Providing inaccurate or incomplete information may affect our ability to assist you or a provider's ability to consider your enquiry.

6. Credit and Eligibility Checks

Depending on the type of finance requested, a provider may carry out eligibility, identity, affordability, fraud-prevention or credit checks.

Where a credit search is required, you should be informed about the nature of that search as appropriate before it is undertaken.

A credit application or hard credit search may affect your credit record.

7. Sharing Information With Providers

Where necessary to progress an enquiry, information may be shared with appropriate third parties such as lenders, finance providers, brokers, insurers or other relevant service providers.

We will handle personal information in accordance with our Privacy Policy and applicable data-protection requirements.

Information will not be passed to a third party for a purpose unrelated to your enquiry unless there is another lawful basis for doing so.

8. Decisions Made by Providers

Final decisions regarding eligibility, approval, finance amounts, interest rates, APRs, repayment periods, insurance premiums and other product terms are made by the relevant provider.

Sterling Bridge Finance cannot require a lender, insurer or other provider to approve an enquiry or offer particular terms.

You should carefully review all documentation provided by the relevant provider before entering into an agreement.

9. Fees and Commission

Sterling Bridge Finance may receive a commission, referral payment or other remuneration from a lender, broker, insurer or other provider where an enquiry results in business being placed with that provider.

The existence and nature of relevant commission arrangements will be disclosed where required by applicable law or regulation.

If a fee is ever payable directly by you to Sterling Bridge Finance for a particular service, this will be clearly communicated to you before you become liable to pay it.

You will not be charged a Sterling Bridge Finance fee merely because you have submitted a general enquiry unless this has been expressly disclosed and agreed.

10. No Financial, Legal or Tax Advice

Unless expressly stated otherwise and provided under the appropriate permissions, information on this website is provided for general information and enquiry purposes.

Nothing on this website should be treated as personalised financial, investment, legal, accounting or tax advice.

Where appropriate, you should seek independent professional advice before entering into a financial agreement or making a significant financial decision.

11. Website Information

We take reasonable care to keep information on this website accurate and current.

However, finance and insurance products, eligibility requirements, provider criteria, rates, costs and availability may change.

Information displayed on the website does not constitute a binding offer of finance or insurance.

12. Calculators and Illustrations

Any calculator, example repayment, estimated cost, funding figure or other illustration displayed on our website is provided for general guidance unless expressly stated otherwise.

Actual rates, repayments, costs and terms may differ substantially depending on your circumstances and the provider's assessment.

A calculator result does not constitute an offer, quotation, approval or guarantee of finance.

13. Third-Party Websites and Providers

Our website may contain links to websites, portals or services operated by third parties.

Sterling Bridge Finance does not control third-party websites and is not responsible for their content, availability, privacy practices or security.

If you proceed with a third-party provider, that provider may have its own terms, privacy policy and contractual documentation. You should review these before proceeding.

14. Intellectual Property

Unless otherwise stated, the content, branding, design, text, graphics and other materials on this website belong to Sterling Bridge Finance, Gem Master Group Ltd or their respective licensors.

You may view and use the website for lawful personal or business purposes.

You must not reproduce, distribute, modify or commercially exploit protected website content without appropriate permission.

15. Acceptable Use

You must not misuse our website or services.

This includes attempting to gain unauthorised access to our systems, introducing malicious software, submitting fraudulent information, impersonating another person, interfering with website operation or using our services for unlawful purposes.

We reserve the right to restrict access or decline to progress enquiries where fraud, abuse, unlawful activity or material misrepresentation is reasonably suspected.

16. Website Availability

We aim to keep our website and enquiry facilities available, but continuous or uninterrupted access cannot be guaranteed.

We may modify, suspend or withdraw parts of the website for maintenance, security, operational or other legitimate reasons.

17. Limitation of Liability

Nothing in these Terms excludes or limits liability where doing so would be unlawful.

Subject to applicable law, Sterling Bridge Finance is not responsible for decisions made independently by third-party lenders, insurers, brokers or other providers, or for losses resulting solely from a third party's decision to decline, alter or withdraw an offer.

Nothing in these Terms affects any statutory rights you may have as a consumer.

18. Privacy and Cookies

Your use of our website and submission of personal information are also subject to our:

Privacy Policy
Cookie Policy

These documents explain how information is collected, used and protected and how cookies and similar technologies may be used.

19. Complaints

We aim to provide a high standard of service.

If you are unhappy with the service you have received from Sterling Bridge Finance, please contact us using the details provided on our website.

Our Complaints Policy explains how complaints are handled and, where applicable, any rights you may have to refer a complaint to an appropriate external body.

20. Changes to These Terms

We may update these Terms & Conditions where necessary to reflect changes to our services, website, business arrangements, law or regulatory requirements.

The latest version published on our website will apply from the date stated at the top of the document.

21. Governing Law

These Terms & Conditions are governed by the laws of England and Wales.

Any disputes will be subject to the jurisdiction of the courts of England and Wales, subject to any mandatory rights available to consumers under applicable law.

22. Contact Us

If you have questions about these Terms & Conditions, contact:

Sterling Bridge Finance
Gem Master Group Ltd
17 New Market Street
Blackburn
BB1 7DR
United Kingdom