Quick summary

Need funding from £10,000 upwards? Fast Business Loans helps UK companies find suitable business loans and finance solutions fast. We collect brief details from you, match your requirement to our panel of lenders and brokers, then a chosen provider will contact you with options. It’s free, no obligation and the short enquiry does not count as a loan application.

Start your Free Eligibility Check — the form takes under 2 minutes.

What are business loans?

Business loans are commercial credit facilities provided to companies to meet needs such as working capital, equipment purchase, expansion or refinancing. Loans can be secured (backed by assets) or unsecured, short-term or long-term. Lenders set terms based on risk, business performance and the purpose of borrowing.

Fast Business Loans acts as an introducer: your enquiry helps us identify which lenders or brokers in our panel are most likely to offer a good match. Submitting an enquiry is not an application and does not commit you to any product.

Why UK businesses get loans

Companies choose loans to:

• Bridge cashflow gaps between invoices and expenses
• Buy machinery, vehicles or IT equipment
• Refinance or consolidate existing debt to improve monthly cashflow
• Fund expansion, new premises or one‑off projects
• Invest in sustainability projects (solar, EV chargers, heat pumps)

Whatever the reason, the right match improves approval chances and reduces time wasted contacting unsuitable lenders.

How Fast Business Loans helps you secure finance

Here’s how our matching process works — simple and fast:

1. Complete a short enquiry form with basic business details and how much you need.
2. We review your needs and connect you with relevant lenders or brokers from our panel.
3. Selected partners contact you to discuss options and any required documents.
4. You compare offers and choose the provider that suits your business.

Important: the enquiry is only used to match you to providers. Lenders/brokers will run formal checks later if you decide to apply. For more detail on business loan basics, see our page on business loans.

Get a Free Eligibility Check

Loan types available through our panel

Unsecured business loans

Shorter-term loans with no asset security required. Faster approvals but typically higher rates. Useful for working capital, short-term cashflow or small investments.

• Pros: no asset charge, quick decisions.
• Typical uses: cashflow gaps, small equipment buys.

Secured business loans

Loans secured against property, plant or equipment. Can offer larger sums and lower interest rates, suitable for growth or refinancing.

• Pros: access to higher amounts and better rates.
• Typical uses: property purchase, major investment.

Working capital & cashflow loans

Designed to stabilise day-to-day operations — bridging payroll, supplier invoices and seasonal demand.

• Pros: tailored for short-term liquidity needs.
• Typical uses: managing seasonal turnover or slow-paying clients.

Asset & equipment finance

Loans or hire-purchase for vehicles, machinery, IT and specialist kit. Often structured to match equipment lifecycles.

• Pros: preserve working capital while acquiring assets.
• Typical uses: vehicles, machinery, production equipment.

Invoice finance

Unlock cash tied up in unpaid invoices through factoring or invoice discounting to improve liquidity.

• Pros: immediate cash against outstanding invoices.
• Typical uses: firms with long payment terms from customers.

Specialist & sector funding

Funding tailored to sectors such as construction, hospitality, healthcare or sustainability projects.

• Pros: lenders understand industry cycles and risks.
• Typical uses: sector-specific investments or expansion.

Ready to see options? Start Your Free Eligibility Check

Industries we support

Our panel works across a wide range of UK industries. Common sectors include:

• Construction — materials, labour and plant funding (construction business loans)
• Hospitality & leisure — refurbishments and seasonal working capital
• Agriculture & farming — machinery and livestock finance
• Healthcare & care homes — equipment and practice expansion
• Manufacturing & engineering — asset finance and working capital
• Retail & e-commerce — stock and digital growth funding
• Sustainability projects — solar, EV charging and energy efficiency (sustainability finance options)

Not sure if we cover your sector? Contact our team — we may still be able to help. Contact our team

Eligibility & what lenders look for

While criteria vary by lender, typical considerations include:

• Trading history — many lenders prefer at least 12 months trading.
• Annual turnover — lenders set size bands for different products.
• Profitability & margins — evidence of sustainable cashflow.
• Credit profile — past defaults may affect terms; other lenders may still consider you.
• Security & assets — required for secured facilities.
• Supporting documents — bank statements, management accounts, ID and proof of ownership.

Note: an initial enquiry via Fast Business Loans does not trigger a credit search. Lenders may perform formal checks only if you proceed to an application with them.

Rates, terms & responsible borrowing

Rates and fees depend on the lender, loan type, term and your company’s financial position. Typical APRs and costs vary widely — providers will give personalised quotes based on the details of your business.

Before borrowing, consider:

• Affordability — can repayments be met under different scenarios?
• All costs — interest, arrangement fees, early repayment charges and security implications.
• Alternatives — leasing, invoice finance or refinancing may be more suitable.

If you’re unsure, talk directly with the lender or seek independent advice. Our role is to introduce you to potential providers who can explain terms and help you compare offers.

Case snapshots

Construction contractor — £120,000 working capital

Problem: delayed client payments caused cashflow strain. Solution: matched with a lender offering invoice discounting and a short-term cashflow facility. Outcome: immediate liquidity restored, contractor completed projects without late payments.

Hospitality group — £250,000 asset finance

Problem: planned refurbishment and new kitchen equipment. Solution: matched to an asset finance broker offering competitive hire‑purchase terms. Outcome: upgrade completed with manageable monthly payments aligned to increased revenues.

These are illustrative examples; results depend on individual circumstances. See what we can secure for your business.

How to get started (takes under 2 minutes)

1. Click the Free Eligibility Check link below.
2. Enter basic business details (name, turnover range, loan amount sought, contact).
3. We match you to suitable lenders/brokers and they contact you directly with quotes.

Get Quote Now — Free Eligibility Check

Why choose Fast Business Loans

• Fast, simple enquiry process — minimal information to get matched.
• Wide panel of lenders and brokers — increases your chance of a suitable offer.
• Free to use and no obligation to proceed.
• Sector expertise — we match you to partners who understand your industry.
• We only share details with partners who can help your specific request.

Frequently asked questions

Is Fast Business Loans a lender?

No. We introduce businesses to lenders and brokers who provide funding. We don’t lend money or give regulated financial advice.

Will my credit score be affected by enquiring?

No — an initial enquiry through our site is just information for matching and does not include a credit search. Lenders may carry out checks only if you proceed with an application.

How quickly will I hear from a lender?

Many partners respond within hours during business hours; times vary by provider and the complexity of the request.

What loan amounts can you help with?

Our partners commonly arrange funding from around £10,000 upwards, through to multi‑million pound facilities depending on the lender and purpose.

Is there a fee to use Fast Business Loans?

It’s free for businesses to submit an enquiry. Any fees or charges will be disclosed by the lending partner when they present their offer.

What information should I prepare?

Basic business details, turnover band, estimated loan amount, and recent bank statements or management accounts if available — your chosen lender will request documents later if required.

Still have questions? Contact our team or start your Free Eligibility Check.

Important information & compliance

Fast Business Loans is an introducer connecting businesses with lenders and brokers. We do not provide financial advice. Always consider affordability and read all lender documentation carefully before entering into any agreement.

For guidance on financial promotions and consumer protections, see the FCA guidance on financial promotions (FCA financial promotions guidance) and UK government SME finance guidance (gov.uk business finance support).

Your details are shared only with partners able to assist your request and handled in line with our privacy practices. Submitting an enquiry does not commit you to any lender and is not a formal application.

Get My Quote Now — Free Eligibility Check