Business Loans for UK Companies: Compare Flexible Funding with Fast Business Loans

Summary — Fast Business Loans is a free introducer service that helps UK limited companies access business loans and finance from £10,000 upwards by matching you to lenders and brokers best suited to your needs. Completing our short enquiry is not an application and will not affect your credit score. Submit your details for a free eligibility check and receive no-obligation quotes from vetted partners.

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Why UK Businesses Use Our Business Loan Finder

Finding suitable finance can be time-consuming and confusing. Fast Business Loans removes the legwork: tell us what you need and we’ll quickly connect you to lenders and brokers who specialise in your sector and loan size. Our service aims to save time, reduce rejected applications and present relevant options so you can compare quotes and choose with confidence.

• Access tailored matches for loans and finance from £10,000 upwards
• Speed up the time to receive offers — many businesses hear back within hours
• Compare multiple options without multiple full applications
• No obligation and no credit impact from the initial enquiry

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How Our Three‑Step Matching Process Works

Step 1 – Quick Online Enquiry (under 2 minutes)

Complete our short form with basic business details, funding amount and contact information. This is an information-gathering enquiry only — it is not a formal loan application and it does not trigger a credit check.

Step 2 – Smart Matching to Trusted Brokers & Lenders

We use your information to identify partners whose appetite and products align with your needs. Matches are selected based on industry experience, loan size and typical lender criteria.

Step 3 – Review Personalised Offers, Decide in Your Own Time

Matched providers contact you with indicative terms or requests for further documentation. You compare offers, check terms and only proceed with the lender you choose. All final lending decisions and terms come from the provider and are subject to their checks and approval.

We handle your data securely and only share it with partners likely to help. Partners may request additional documents (bank statements, management accounts, IDs) to provide formal quotes.

Start Your Enquiry – It’s Free

Business Loan Options Available Through Our Partner Panel

Our network includes lenders and brokers who offer a wide range of finance types for companies needing from £10,000 and up. Below is a summary of common options and when they make sense.

Unsecured Business Loans

Fast decisions, flexible use of funds and typically shorter terms. Good for working capital or one-off investments where owners prefer no asset security. Considerations: rates may be higher and some providers may require personal guarantees for company directors.

• Best for: short-to-medium term working capital
• Typical term: 6 months–5 years
• Things to consider: affordability and personal guarantee risk

Secured Business Loans

Backed by business or personal assets (property, plant), secured loans can offer lower rates and larger amounts. Suitable for growth projects, commercial property purchases or refinancing older debt.

• Best for: larger sums or longer-term borrowing
• Typical term: 2–25 years
• Things to consider: asset risk if repayments are missed

Working Capital & Cashflow Loans

Designed to tide seasonal gaps, manage payroll or cover short supplier delays. Options include term loans, overdrafts or merchant cash advances depending on turnover profile.

Asset & Equipment Finance

Spread the cost of machinery, vehicles, IT or specialist equipment through hire purchase or finance leases — often preserving cash flow while acquiring necessary assets.

Invoice Finance & Factoring

Unlock cash tied up in unpaid invoices. Factoring can provide immediate liquidity and outsourced collections, while invoice discounting keeps collections in-house.

Commercial Mortgages & Property Finance

Funding for purchase, refinance or development of commercial property. Typically longer-term and structured to match project cashflow.

Specialist & Sector-Specific Funding

Many lenders specialise by sector — construction, hospitality, sustainability projects, manufacturing and more. We match you to partners who understand the risks and cycles of your industry.

For more detail on the range of business loans available, see our guide to business loans.

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Industries We Regularly Support

Our panel works across many UK sectors. We commonly place enquiries with partners experienced in:

• Construction & Trades
• Hospitality & Leisure (hotels, pubs, restaurants)
• Retail & E-commerce
• Manufacturing & Engineering
• Healthcare & Care Services
• Logistics & Transport
• Agriculture & Farming
• Sustainability projects (solar, EV chargers, energy efficiency)

Even if your sector is niche, we’ll look for brokers who specialise in the market you operate in.

See If Your Industry Qualifies – Free Check

Eligibility Snapshot: Could Your Business Qualify?

Eligibility varies by lender. Below are common factors lenders consider when assessing a company for business finance.

Basic Requirements

• UK limited company (trading history or credible business plan)
• Minimum loan requests from £10,000 upwards
• Director details and identification
• Evidence of turnover and cashflow

Fast‑Track Essentials

• Recent business bank statements (usually 3–6 months)
• Latest management accounts or statutory accounts
• Brief details of outstanding liabilities
• Clear purpose for funds (growth, equipment, refinance)

Common Myths

Myth: “I was declined before so I can’t access finance.” Fact: Different lenders have different criteria — a rejection with one provider doesn’t rule out other options. Myth: “An enquiry will hurt my credit.” Fact: Our initial matching enquiry does not trigger a credit check.

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What to Expect After You Submit Your Enquiry

Once submitted, our team routes your details to selected partners. Typical timeline:

1. Same day: an initial response or call from a matched broker/lender during business hours.
2. 1–3 days: providers may request documents to produce formal terms.
3. From days to weeks: depending on loan type and legal checks, funding timelines vary.

All matched providers will outline their terms and any checks required. You are under no obligation to proceed with quotes you receive.

We treat your data with care — see our privacy policy for details on how information is shared and stored.

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Why Businesses Trust Fast Business Loans

We specialise in connecting companies to the right finance partners — not in lending ourselves. Our value is speed, relevance and transparency:

• Free, no-obligation service that simplifies lender selection
• Experienced matching — we understand sector needs and loan structures
• Real people manage each enquiry and help explain next steps
• Secure handling of sensitive business information

Talk To a Business Finance Specialist

Responsible Borrowing & Important Considerations

Borrowing affects future cashflow and may require security or personal guarantees. Before accepting an offer:

• Review interest rates, fees and early repayment charges
• Consider the effect of monthly repayments on working capital
• Ask about all security and guarantee requirements
• Seek independent advice if unsure about long-term impact

Calculate Your Options – Free Quote

Success Story Snapshot

Challenge: A regional construction company needed £150,000 working capital to cover a large contract. Solution: We matched them to a broker experienced in construction cashflow finance. Result: The business secured a 6‑month facility within 7 days, enabling timely project delivery and supplier payments.

See Your Business Funding Potential

Business Loan FAQs

Is Fast Business Loans a direct lender?

No. We introduce businesses to lenders and brokers who provide funding directly. We do not lend or provide regulated financial advice.

How quickly can I receive loan offers?

Many partners respond within hours on business days, but speed depends on loan type and documentation readiness.

Will submitting an enquiry affect my credit score?

No. Our enquiry does not initiate a credit check. Lenders may run credit checks later if you wish to proceed with an application.

What documents will lenders usually request?

Expect to provide company details, recent bank statements, management accounts and director ID. Exact requests vary by provider.

Can businesses with past credit issues apply?

Yes. Some brokers and lenders specialise in cases with prior credit events; eligibility depends on overall business strength and supporting information.

Ask Us Your Business Loan Question

Ready to Explore Your Business Loan Options?

Fast Business Loans makes it simple to compare the market without repeated full applications. Benefits at a glance:

• Free and no obligation
• Fast, sector-aware matches
• Enquiries from £10,000 upwards

Get Your Free Business Loan Match

Prefer to talk? Provide your number in the enquiry and a matched partner can call to discuss options.

Important: Fast Business Loans is an introducer that connects businesses with lenders and brokers. We are not a lender and we do not provide regulated financial advice. All lending decisions and terms are made by lenders/brokers and are subject to their checks and approval. Completing our enquiry does not commit you to any product and does not perform a credit check.

1) How does Fast Business Loans work?
Answer: Fast Business Loans is a free introducer that matches UK limited companies to vetted lenders and brokers by sector, loan size and criteria; we’re not a lender and don’t give regulated financial advice.

2) Will submitting an enquiry affect my credit score?
Answer: No—our short enquiry is not a credit application and won’t impact your credit score; checks only happen later if you choose to proceed with a partner.

3) What loan amounts can I get matched for?
Answer: We typically connect businesses seeking £10,000 or more, with exact amounts depending on lender criteria and your business profile.

4) How fast could I receive offers or funding?
Answer: Many partners respond within hours on business days, and with documents ready, funding can complete in days to weeks depending on the finance type.

5) What types of business finance can you help me compare?
Answer: Unsecured and secured business loans, working capital and cashflow facilities, asset and equipment finance, invoice finance/factoring, and commercial mortgages are all available via our panel.

6) What documents will lenders usually ask for?
Answer: Expect basic company details, 3–6 months of business bank statements, management/statutory accounts and director ID, though requirements vary by lender.

7) Can I get matched if I’m a start-up or have poor credit or a past decline?
Answer: Yes—some partners specialise in start-ups and adverse credit, and we match you to those whose criteria align with your situation.

8) Will I need a personal guarantee or security?
Answer: Some unsecured facilities require a director’s personal guarantee and larger loans may need asset security, depending on risk and lender policy.

9) Do you charge fees and am I obliged to proceed?
Answer: Our matching service is free and without obligation; any rates and fees are set by the lender/broker and shown in your quotes.

10) What interest rates and repayment terms should I expect?
Answer: Pricing varies by profile, security and loan type, with unsecured terms commonly 6 months–5 years and secured loans 2–25 years—your personalised quotes will show exact terms.