Small Business Loans Tailored to UK SMEs
Summary: Fast Business Loans connects UK limited companies and small-to-medium enterprises with the right lenders and brokers for business loans from around £10,000 upwards. We don’t lend or provide regulated financial advice — we match your business to the most suitable funding partners quickly, free and with no obligation. Complete a Free Eligibility Check to get matched and receive rapid, relevant quotes from lenders and brokers who understand your sector.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Get Started – Free Eligibility Check
Fast Business Loans: Your Bridge to the Right Lender
Running or growing a business means balancing operations with cashflow, capital investment and timing. Fast Business Loans exists to simplify that process. We do one thing well: introduce UK businesses to lenders and brokers who are best placed to meet their funding needs.
Key benefits of using our service:
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
- Speed — quick matching with relevant finance partners.
- Choice — access to a broad panel of lenders and specialist brokers.
- No obligation — you’re under no pressure to accept any offers.
- Free to use — businesses pay nothing to submit an enquiry.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Our Small Business Loan Matching Works
Our process is transparent and designed to protect your time. Submitting an enquiry does not affect your credit score.
- Complete a short enquiry form — tell us about your business, the amount you need (typically £10,000+), and the purpose of the finance.
- We match you — using the details you provide we introduce your enquiry to the lenders and brokers in our panel who specialise in your sector or funding type.
- Receive rapid responses — matched partners will usually call or email to discuss options and next steps.
- Compare and decide — review offers, ask questions of the lender/broker, and proceed directly if you find a suitable solution.
We act as an introducer only — we don’t set rates or approve applications. If you’re ready to see which providers may be able to help, Get Quote Now.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Types of Small Business Finance We Can Introduce
Through our network you can be connected to brokers and lenders offering a wide range of UK business finance products. The right option depends on your business model, trading history and the amount required.
Working Capital Loans
Short- to medium-term loans to manage payroll, stock or seasonal demand. Typical amounts from £10k to several hundred thousand; terms vary.
Asset Finance
Purchase equipment, machinery or vehicles while preserving cash. Options include hire purchase and finance leases tailored to asset lifespan.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Invoice Finance
Unlock cash tied up in unpaid invoices. Useful for improving cashflow without adding long-term debt. Facilities can be flexible to your debtor profile.
Short-Term & Bridge Loans
Fast access to cash for immediate needs or to bridge timing gaps. These are typically repaid more quickly and may attract higher fees.
Merchant Cash Advance
A merchant cash advance advances funds against future card takings — suited to card-heavy retail or hospitality businesses, with repayments linked to turnover.
Sustainability & Green Investments
Funding for energy efficiency projects — solar PV, EV chargers, heat pumps and other capital investments that reduce operating costs and carbon footprint.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
For more sector-specific guidance and long-form resources about small business lending, see our pillar page on small business loans.
Who Small Business Loans Can Help
We commonly match limited companies and SMEs across these sectors:
- Construction & trades
- Retail & e‑commerce
- Hospitality & leisure
- Healthcare & care providers
- Manufacturing & engineering
- Logistics & transport
- Professional services and accountancy firms
- Franchises and established startups
If your business operates outside these areas, we may still be able to find a specialist partner — complete a quick enquiry to find out.
Eligibility Snapshot & What Lenders Look For
Eligibility varies by lender. Below are common criteria that lenders and brokers typically consider:
- Type of business and sector risk
- Trading history (many lenders prefer at least 12 months trading, but some start-up solutions exist)
- Annual turnover and profitability
- Credit history and director information
- Purpose of the funds and repayment plan
- Security or collateral where applicable
Mini checklist before you enquire:
- Company registration details and VAT number (if applicable)
- Recent business bank statements (3–6 months)
- Latest management accounts or filed accounts
- Estimate of the loan amount and how funds will be used
Free Eligibility Check — it takes less than 2 minutes to tell us what you need and get matched.
Compare Small Business Loan Features
| Feature | Secured Loan | Unsecured Loan | Invoice/Asset Finance |
|---|---|---|---|
| Typical amounts | £25k – £5m+ | £10k – £500k | £10k – £5m |
| Repayment term | 1–25 years | 1–7 years | Facility-dependent |
| Speed of funding | Days–weeks | 24–72 hours (fast lenders) | 24–72 hours for some facilities |
| Security required | Yes (property, fixed charge) | No | Asset or invoice ledger |
Rates, fees and terms vary greatly. Use our matching service to compare offers relevant to your circumstances.
Costs, Rates & Repayment Considerations
Interest rates and fees depend on the lender, product and your business profile. As a guide:
- Unsecured business loans often carry higher rates than secured loans.
- Short-term and emergency finance can have higher fees and factor rates.
- Invoice and asset finance costs are typically based on utilisation and the risk profile of your debtors or asset.
Fast Business Loans does not set prices or APRs. When you receive quotes from lenders or brokers, ask them for:
- Representative APR and all fees (arrangement, facility, administration).
- Early repayment terms or penalties.
- Collateral and director personal guarantee requirements.
Always compare the total cost over the term, not just the headline rate.
Documentation & Preparation Checklist
Having these documents to hand speeds up the process:
- Company registration number and director details
- Recent business bank statements (3–6 months)
- Management accounts or statutory accounts
- Cashflow forecast or statement of use of funds
- Details of existing debts or finance facilities
- Proof of identity for company directors
If you don’t have everything ready, don’t worry — brokers can advise on staged applications and bridging documentation to help you move forward.
Why UK SMEs Choose Fast Business Loans
Our service is designed for speed, relevance and clarity. Businesses choose us because we:
- Save time by shortlisting relevant lenders and brokers.
- Increase the chances of a meaningful response by matching to sector specialists.
- Keep the process simple — one short enquiry connects you to multiple partners.
Get Quote Now to be matched with lenders and brokers who can discuss terms for your business.
Case Snapshot: From Enquiry to Funding
An independent bakery needed £45,000 for new equipment and a fit-out. They completed a short enquiry and were matched with two lenders and a specialist asset finance broker. Within 48 hours the broker had arranged a competitive hire-purchase plan and the bakery received funds within 10 working days. The owner compared offers and proceeded with the preferred broker — no obligation, no credit score impact from the initial enquiry.
Frequently Asked Questions About Small Business Loans
Does submitting an enquiry affect my credit score?
No. Submitting an enquiry via Fast Business Loans does not affect your credit score. Lenders or brokers may carry out credit checks only if you choose to proceed with an offer.
What minimum loan size can you help with?
Our partners generally work with loans from around £10,000 and upwards. If you need less than that, we may still be able to point you in the right direction — submit an enquiry to find out.
How quickly will I hear from lenders or brokers?
Many partners respond within hours during business days. Funding timelines vary by product and lender — some can fund within 24–72 hours once approved.
Can I be matched if I’ve been declined elsewhere?
Yes. Because we work with a broad panel, there may be alternative lenders or specialist brokers able to consider your case.
Do you charge businesses for this service?
No — our introduction service is free for businesses. Lenders and brokers set their own fees.
What happens after I submit the enquiry form?
We match your details to suitable partners. Those partners will contact you to discuss eligibility, documentation and potential offers. You decide whether to proceed.
Ready to Explore Your Small Business Loan Options?
If you need funding from around £10,000 upwards and want a quick, no-obligation way to see which lenders or brokers may be able to help, start now.
Important Information & Disclaimers
Fast Business Loans is an introducer — we introduce businesses to lenders and brokers. We do not lend money and we do not provide regulated financial advice. All finance is subject to status, lender eligibility, and terms. Submitting an enquiry does not guarantee approval. Our service is free for business owners and we only share your details with partners relevant to your enquiry.
Last updated: November 2025
Contact: If you prefer to discuss before enquiring online, you can contact our team via the contact details on our site.
– Is Fast Business Loans a lender?
No—Fast Business Loans is an introducer that matches UK SMEs with trusted lenders and brokers, and our service is free with no obligation.
– What is the minimum business loan amount you can help with?
We typically match UK businesses seeking from around £10,000 upwards, with larger amounts available depending on product and security.
– How quickly can I get funding after I enquire?
Many partners respond within hours and, once approved, some facilities can fund in 24–72 hours.
– Does completing your Free Eligibility Check affect my credit score?
No—your enquiry does not affect your credit score; checks only occur if you choose to proceed with a lender or broker.
– What types of business finance can you introduce me to?
We connect SMEs with secured and unsecured business loans, working capital, asset finance, invoice finance, merchant cash advances, short‑term/bridge loans and sustainability/green funding.
– What are the main eligibility criteria lenders look at?
Lenders typically assess your sector, trading history (often 12+ months), turnover and profitability, credit profile, purpose of funds and any available security.
– Do you help start-ups or businesses with limited trading history?
Yes—some partners consider start-ups and younger businesses, though options and terms may differ from those for established SMEs.
– Can you match me if I’ve been declined elsewhere?
Yes—our broad panel may include specialist lenders or brokers who can assess your case even after a previous decline.
– Will I need collateral or a director’s personal guarantee?
It depends on the product—secured loans need collateral, many unsecured loans require a director PG, and invoice/asset finance is secured against invoices or assets.
– What will a small business loan cost and do you charge fees?
Rates and fees vary by product and risk (unsecured often higher than secured), so compare total cost and representative APR with the lender, and note our introducer service is free.