Business Loans for UK Companies: Find the Right Finance Fast

Summary: Fast Business Loans helps UK companies secure suitable business loan options quickly and responsibly by matching you to specialist lenders and brokers. We’re an introducer — not a lender — and our free, no-obligation enquiry uses a soft search only. If you need funding from around £10,000 upwards for working capital, equipment, expansion or refinancing, complete a short form and we’ll match you to the best providers. Get Started – Free Eligibility Check

Table of contents

• How Fast Business Loans helps you secure funding quickly
• What UK businesses need to know about business loans
• Benefits of using Fast Business Loans vs going direct
• Matching loans to common business goals
• Industry expertise across the UK economy
• Responsible borrowing & transparency
• Step-by-step: from enquiry to funding
• Business loan FAQs for UK SMEs
• Take the next step today

How Fast Business Loans helps you secure funding quickly

Here’s why hundreds of UK companies use our service: instead of filling dozens of lender applications, you complete one quick enquiry and we match your business to lenders or brokers who specialise in your sector and need. We act as a conduit — not a lender — and our role is to connect you to the right people fast.

Our simple 4-step process:

1. Submit a short enquiry with basic business details and the funding amount and purpose.
2. We match you to lenders and brokers in our panel who best fit your requirements.
3. Selected partners contact you with tailored quotes, usually within hours on business days.
4. Compare offers, choose an option, complete lender checks and documentation to draw down funds.

Start your quick enquiry now: Free Eligibility Check

What UK businesses need to know about business loans in 2025

Key loan types we can help you explore

We introduce businesses to lenders and brokers offering a broad range of commercial finance products. Typical solutions include:

• Term business loans – unsecured or secured loans repaid over a fixed term for capital projects or expansion.
• Asset & equipment finance – spread the cost of vehicles, machinery or IT across repayments while using the asset as security.
• Invoice finance – unlock cash tied up in unpaid invoices to improve cash flow.
• Working capital facilities – short-term funding to smooth payroll, supplier payments or seasonal stock purchases.
• Refinance & consolidation – restructure existing debt to improve monthly cash flow or extend terms.

To learn more about standard options, see our guide to business loans here: business loans.

Typical eligibility factors lenders consider

• Company structure and trading history (many lenders prefer limited companies with a trading record).
• Annual turnover and profitability.
• Sector and business model (some lenders specialise by industry).
• Credit profile of the business and its directors.
• Type and availability of security (property, assets, personal guarantees).

Completing our enquiry does not affect your credit file. Lenders may perform firm credit checks later if you proceed.

Benefits of using Fast Business Loans vs going direct

Searching for finance on your own can waste time and risk exposing your business to unsuitable offers. Using an introducer like Fast Business Loans saves time and improves matching accuracy.

• Speed: Submit one form, get matched fast — often the same day.
• Better matches: We match you with partners experienced in your sector and funding need.
• Soft searches: Initial enquiries are handled without affecting your credit score.
• Choice: Compare competitive options rather than accepting the first approach.

“We needed a quick injection of working capital before Christmas. The introducer matched us to a specialist who found a suitable facility within 48 hours.” — SME, Midlands (case anonymised)

Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote

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Deep dive — matching loans to common business goals

Working capital & cash flow smoothing

Use invoice finance, overdrafts or short-term business loans to bridge gaps between receipts and payments. Typical amounts start at £10,000 and providers can tailor terms to trading cycles.

Growth & expansion projects

For shop openings, marketing-led growth or hiring, medium-term term loans or asset finance can support investment without taking equity.

Equipment & asset purchases

Asset finance spreads cost and preserves capital. Good for vehicles, manufacturing equipment, IT and catering appliances.

Seasonal or short-term peaks

Seasonal businesses (retail, hospitality) often use short-term facilities or invoice finance to cover stock and staffing during peaks.

Sustainability & energy projects

Specialist lenders provide finance for solar, EV chargers, heat pumps and efficiency upgrades — often with terms aligned to expected energy savings.

If you aren’t sure which route fits your plan, our matching system will connect you with brokers who advise on suitable product types. Get Quote Now

Industry expertise across the UK economy

Our panel includes lenders and brokers experienced in many sectors including construction, manufacturing, hospitality, healthcare, logistics, agriculture and retail. Niche experience matters — it increases the chance of finding a provider who understands sector cashflow and risks.

Tell us your sector in the enquiry and we’ll prioritise partners with relevant experience. Let’s Match You with a Sector Specialist

Responsible borrowing & transparency commitments

We follow clear principles to keep things fair, clear and not misleading:

• We are an introducer and do not lend or provide regulated financial advice.
• We will not promise guaranteed approvals or specific rates — lenders decide on terms.
• Any fees charged by brokers or lenders will be disclosed before you agree to them.
• Your data is handled securely and only shared with selected partners who can assist your request.

When comparing offers, check APR, arrangement fees, early repayment terms and total cost. If unsure, ask the lender or broker to explain how repayments fit your cashflow.

Step-by-step: from enquiry to funding

1. Submit a short enquiry — basic company details, funding amount (from £10,000) and purpose. It takes under 2 minutes. Start Your Enquiry
2. We match your case — matching uses sector, loan size, trading history and any security you can offer.
3. Partner outreach — selected lenders/brokers contact you to discuss options; you’ll receive personalised quotes or requests for further information.
4. Review and compare — assess offers, ask about fees and timelines; request repayment illustrations and examples.
5. Complete lender checks — lenders perform final underwriting, credit checks and request documentation before issuing formal offers.
6. Drawdown — once you accept a formal offer and satisfy lender conditions, funds are released according to the agreed schedule.

Business loan FAQs for UK SMEs

Are you a direct lender?

No — we introduce businesses to lenders and brokers who provide the funding directly.

Will an enquiry affect my credit score?

No. Completing our enquiry does not affect your credit file. Lenders may run credit checks later only if you decide to proceed with a formal application.

What loan amounts can I explore?

We typically match businesses looking for facilities from around £10,000 upwards. Exact ranges depend on lender appetite and assessment.

How quickly will I hear from lenders?

Many partners respond within hours during business days; complex cases may take longer. Expect initial contact shortly after you submit your enquiry.

Can I apply with adverse credit?

Yes — some lenders specialise in lending to businesses with imperfect credit records. Complete the form and we’ll try to match you to suitable partners.

Do I have to pay to use Fast Business Loans?

Our introducer service is free to business owners. Any fees for broker services or lender arrangement fees will be clearly disclosed by that provider before you commit.

Ready to get matched? Get Your Free Eligibility Check

Take the next step today

If your business needs funding and you want a fast, no-obligation way to see competitive options, complete our short form and we’ll match you to lenders and brokers who can help. You’ll receive rapid contact from specialists who understand your sector and funding needs.

Get Started – Free Eligibility Check

Disclaimer: Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not make lending decisions, provide regulated financial advice, or directly offer credit. Offers are subject to lender eligibility, underwriting and terms. Information on this page is accurate at the time of publication; always check lender terms and seek independent advice where appropriate.

1) Are you a direct lender?
Fast Business Loans is a free UK business finance introducer that matches you with vetted lenders and brokers; we’re not a lender and don’t provide financial advice.

2) Will submitting an enquiry affect my credit score?
No—our quick eligibility enquiry uses a soft search and won’t affect your credit score; hard checks only occur if you proceed with a lender.

3) Is the enquiry form a loan application or any kind of commitment?
No—the enquiry simply collects information so we can match you to suitable providers, with no obligation to proceed.

4) How much can my business borrow and what can the funds be used for?
We typically match funding from around £10,000 upwards for working capital, equipment, expansion, sustainability projects or refinancing, subject to lender assessment.

5) How quickly could I hear from lenders and receive funding?
Many partners respond within hours on business days and, once underwriting and documents are completed, funds can be drawn down swiftly.

6) What types of business finance can you help with?
We connect you with term business loans, asset and equipment finance, invoice finance, working capital facilities, and refinance or consolidation options.

7) What do lenders usually look at for eligibility?
Lenders typically consider trading history, turnover and profitability, sector, the credit profile of the business and directors, and available security.

8) Can you help start-ups or businesses with adverse credit?
Yes—some partners specialise in start-ups and businesses with imperfect credit, though terms depend on affordability and risk.

9) Do you offer secured and unsecured business loans, and will I need a personal guarantee?
Yes—options include unsecured and secured facilities, and some lenders may require assets or a personal guarantee depending on the case.

10) Do you cover my industry and location in the UK?
Yes—we serve UK companies nationwide and match you with sector-experienced lenders across industries such as construction, manufacturing, hospitality, healthcare, logistics, agriculture and retail.