Business Finance Solutions for UK SMEs

Summary: Fast Business Loans is an introducer that connects UK limited companies and growing SMEs with lenders and brokers for business finance from £10,000 upward. Submit a short, no‑obligation enquiry and we’ll match you to the most appropriate finance partners who can offer loans, asset finance, invoice funding and specialist commercial solutions. Get a fast, free eligibility check and compare options — your enquiry won’t affect your credit score.

What is business finance & how we help

Business finance covers the loans and funding solutions companies use to manage cash flow, buy equipment, expand premises, refinance debt or invest in growth and sustainability projects. Fast Business Loans does not lend: we introduce limited companies and SMEs to lenders and brokers who specialise in the right type of funding for your needs. Our role is to save you time, increase the chance of a suitable match and provide a free, no‑obligation eligibility check so you can compare offers quickly.

Quick overview — is this page right for you?

Our three‑step matching process

Step 1 — Complete a 2‑minute enquiry

Tell us about your business, the amount and purpose of funding and the best way to contact you. This short form is only used to match you with suitable providers.

Get Your Free Eligibility Check

Step 2 — We match you with brokers or lenders

We use sector experience, funding purpose, loan size and basic credit profile to connect you to the partners most likely to help. You’ll receive contact from relevant brokers or lenders to discuss options.

Step 3 — Compare offers & decide

Review multiple quotes, ask questions and proceed only if you’re happy. There’s no obligation to accept any offer.

Types of business finance we can introduce

Our panel covers a wide range of commercial funding. Below are common solutions and when they’re typically used.

• Unsecured business loans — quick working capital without asset security (subject to lender limits).
• Secured & asset‑backed loans — for larger facilities secured on property, stock or equipment.
• Invoice finance & factoring — unlock cash tied up in unpaid invoices for liquidity.
• Asset & equipment finance — fund machinery, vehicles or tech with hire purchase or leasing.
• Merchant cash advances — repayments linked to card takings for seasonal or retail businesses.
• Commercial mortgages & bridging — buy or refinance property, or bridge short term funding gaps.
• Refinance & consolidation — restructure debt to improve monthly cash flow.
• Sustainability & green loans — finance energy projects such as solar PV, EV chargers and efficiency upgrades.

Availability and terms depend on lender criteria. For a deeper overview of business finance options, see our guide to business finance.

Eligibility snapshot & what lenders look for

• Minimum funding: typically from £10,000 upwards
• Trading history: most lenders prefer at least several months to a few years of trading
• Turnover and profitability: varies by product and lender
• Business structure: limited companies and incorporated entities are supported
• Credit profile: lender credit checks may occur later — initial matching does not affect your score
• Security and guarantees: some facilities require assets or director guarantees

Check Eligibility in Minutes

What documents will you need?

You don’t need everything to make an enquiry. Typical documents lenders request later include:

• Recent management accounts and/or filed annual accounts
• 3–6 months business bank statements
• Proof of identity and company registration
• Asset schedules (vehicles, machinery, property) for secured or asset finance
• Business plan or cashflow forecast for new projects or start‑up funding

Matched brokers will tell you exactly what’s required for each quoted solution.

How fast can funding arrive?

Timeframes depend on product complexity:

• Simple unsecured working capital or merchant advances: often 24–72 hours from offer to funds.
• Invoice finance and asset finance: typically a few days to two weeks once verification completes.
• Secured loans or commercial mortgages: commonly 2–8 weeks due to legal and valuation work.

We’ll help set realistic expectations when matching you with providers.

Industry expertise across the UK

We match businesses in many sectors to lenders who understand their markets. Examples:

• Construction: plant and equipment hire, invoice finance for sub‑contractors.
• Hospitality & leisure: fit‑out and refurbishment finance, seasonal working capital.
• Manufacturing & engineering: machinery purchase and asset finance.
• Retail & e‑commerce: stock finance, merchant cash advances, expansion funding.
• Agriculture: machinery and land improvement finance.

If you operate in a specialist field, we’ll match you with brokers experienced in that sector.

Comparison — traditional banks vs specialist brokers

Fast Business Loans connects you to both types so you can compare and choose the best fit.

Transparent fees & how we’re paid

Our service is free for applicants. Fast Business Loans is remunerated by partner brokers and lenders when a lead converts — you will not be charged to use our matching service. Always review lender/broker fees and terms before accepting an offer.

Customer stories (anonymised)

Yorkshire manufacturer: needed £150,000 for new CNC machines; matched to an asset finance broker and completed funding in 5 business days.

London restaurant group: used invoice finance for seasonal stock, received first facility within 48 hours and improved cash flow ahead of busy period.

Why choose Fast Business Loans?

• Independent introducer — we do not lend or give regulated financial advice
• Fast matching to a wide panel of lenders and brokers
• Free, no‑obligation eligibility checks — no cost to apply
• Sector-aware partners who understand specialist finance needs
• Secure handling of your data and clear, transparent communications

Step‑by‑step — submit your enquiry today

1. Click “Get Quote Now” to start the short form: Get Quote Now
2. Provide basic business details and funding need (takes under 2 minutes)
3. We match you with suitable finance partners
4. Receive contact from matched brokers/lenders, compare offers and decide

Key considerations before you borrow

Borrow responsibly. Always:

• Check affordability and repayment schedules
• Read terms and any security or guarantee requirements
• Compare total cost of credit (fees, interest, arrangement charges)
• Consider independent professional advice if unsure

Frequently asked questions

How is Fast Business Loans different from going direct to a lender?

We speed up the search by matching you with lenders or brokers who specifically suit your sector and funding need. You get multiple potential contacts without having to approach each provider individually.

Will my enquiry affect my credit score?

No — the initial enquiry uses no hard search. Lenders may only run full credit checks if you decide to progress with an offer.

What loan size can I be matched with?

We introduce businesses seeking funding from £10,000 upwards. Some partners can provide multi‑million pound facilities depending on circumstances.

Can start‑ups apply?

Yes — many partners specialise in early‑stage funding, although requirements vary and some lenders may want trading history or a business plan.

What if I’ve been declined elsewhere?

Because our panel is broad, alternative lenders or specialist brokers may still help — it’s worth a free enquiry to explore other routes.

How is my data protected?

Your details are shared only with relevant, approved partners and handled securely. See our Privacy Policy for full details.

Ready to compare business finance options?

Get tailored, no‑obligation quotes from lenders and brokers who understand your sector. It takes less than two minutes to submit a short enquiry and start receiving matched options.

Get Started — Free Eligibility Check

– Is the enquiry an application for a business loan?
No — it’s a quick, no‑obligation enquiry used to match your business with suitable UK lenders or brokers, not a credit application.

– What loan amounts can you help me access?
Our partners typically provide funding from £10,000 upwards, with many able to support multi‑hundred‑thousand or multi‑million pound facilities depending on your profile and sector.

– How fast can I get funding?
Simple working‑capital solutions can progress to offers within 24–72 hours, while asset‑backed or property finance usually takes longer due to valuations and legal checks.

– Will submitting an enquiry affect my credit score?
No — your initial enquiry doesn’t affect your credit score; lenders may run full checks only if you choose to proceed with a specific offer.

– Who is eligible to use Fast Business Loans?
UK limited companies and incorporated SMEs are supported (including some start‑ups subject to lender criteria), but this service isn’t for sole traders.

– What types of business finance can you introduce?
We match businesses to unsecured loans, secured and asset‑backed loans, invoice finance, asset and equipment finance, merchant cash advances, commercial mortgages/bridging, refinancing, and green/sustainability loans.

– What documents will lenders usually require?
Typical requests include recent management accounts, 3–6 months of business bank statements, proof of ID and company details, plus asset schedules or a business plan where relevant.

– Do you charge any fees to use the service?
No — it’s free for applicants, and Fast Business Loans is remunerated by partners if you proceed, though you should review any lender or broker fees before accepting an offer.

– Will I need security or a personal guarantee?
Some facilities require asset security or a director’s guarantee, depending on the product, loan size and lender criteria.

– Can you help if I’ve been declined elsewhere or have weaker credit?
Yes — our broad panel of specialist brokers and alternative lenders may still be able to help, so it’s worth submitting a free, no‑obligation eligibility check.