Initial Disclosure Document
Last updated: March 2026
This Initial Disclosure Document provides you with important information about Sion Jones Commercials Ltd and our role as a credit broker who introduces customers to FCA-authorised lenders.
About Sion Jones Commercials Ltd
- Company Name:
- Sion Jones Commercials Ltd
- Company Number:
- 16680310
- Address:
- 1 The Portway, Porthcawl, CF36 3XB
- Phone:
- 01656 502099
Our Role as a Credit Broker
What We Do
Sion Jones Commercials Ltd acts as a credit broker, not a lender. This means we do not provide finance directly to you. Instead, we arrange finance on your behalf by sourcing and introducing you to lenders who may be willing to provide the finance you require.
Our Services
- Assessing your finance requirements
- Explaining different finance options available to you
- Sourcing and comparing finance offers from multiple lenders
- Making recommendations based on your circumstances and needs
- Assisting with your application to selected lenders
- Managing communication between you and the lender
- Providing aftercare support throughout the duration of your finance agreement
Important: While we work with multiple lenders, we do not work with all lenders in the market. Our lender panel includes a selection of lenders chosen to provide competitive rates and terms for our customers. We will explain our lender selection process and the terms offered by each lender.
Commission Disclosure
How We Are Paid
Sion Jones Commercials Ltd is paid commission by the lender when we successfully arrange finance on your behalf. This commission is typically a percentage of the amount you finance and is deducted from the lender's receivable, not from the money available to you.
Commission Structure
Commission rates vary depending on:
- The type of finance arrangement (e.g. contract hire, finance lease, hire purchase)
- The vehicle being financed
- The lender providing the finance
- The terms and duration of the finance agreement
Your Right to Know
Commission rates are commercially sensitive and vary significantly between lenders and transaction types. However, you have the right to request specific details about the commission we receive on any particular transaction. We are happy to disclose this information upon request — simply contact us at the details provided above.
Our Role as a Credit Broker
Sion Jones Commercials Ltd is a credit broker, not a lender. We do not hold FCA authorisation ourselves. Instead, we introduce customers to a panel of FCA-authorised finance providers who deliver the finance agreements.
Important: Finance agreements are entered into directly between you and the lender, not with Sion Jones Commercials Ltd. We may receive a commission from the lender for introducing you.
Our role includes:
- Assessing your finance requirements and circumstances
- Introducing you to suitable FCA-authorised lenders from our panel
- Helping you through the application process
- Providing support and aftercare throughout your finance agreement
- Ensuring you have access to complaints handling procedures and the Financial Ombudsman Service
Our Obligations to You
Impartiality
We will provide advice and recommendations that are suitable for your circumstances and needs, not just recommendations that benefit us through higher commission rates.
Transparency
We will clearly explain all aspects of any finance arrangement, including terms, conditions, costs, commission, and your rights and obligations.
Competence
Our staff are trained and knowledgeable about all aspects of van finance and can provide expert guidance.
Data Protection
We handle your personal and financial information securely and in accordance with GDPR regulations. See our Privacy Policy for details.
Complaints
We have a formal complaints procedure in place and we are covered by the Financial Ombudsman Service.
Your Rights
- You have the right to be treated fairly and not discriminated against
- You have the right to clear information about our services and any finance arrangement
- You have the right to request information about commission we receive
- You have the right to access your personal data and request corrections (GDPR rights)
- You have the right to lodge a complaint if you are unhappy with our service
- You have the right to escalate your complaint to the Financial Ombudsman Service
- You are covered by consumer protections under FCA regulations
Key Information
- •We are a credit broker, not a lender
- •We receive commission from lenders for arranging finance
- •We work with a panel of selected lenders, not all lenders in the market
- •We are a credit broker who works with FCA-authorised lenders
- •You can request details of any commission we receive
- •You have access to formal complaints procedures and the Financial Ombudsman Service
Contact Us
If you have any questions about this Initial Disclosure Document or our services:
Phone: 01656 502099 (Mon–Fri, 8am–4pm)
Email: sales@sionjonescommercials.co.uk
Address: 1 The Portway, Porthcawl, CF36 3XB
Sion Jones Commercials Ltd (Company No. 16680310) is not FCA registered and does not provide financial services. All finance enquiries are introduced to an FCA-authorised finance broker. Sion Jones Commercials Ltd holds no liability for any finance agreements entered into between the customer and the lender. Finance is subject to status. Terms and conditions apply. Initial Disclosure
