Key takeaways

• Fast Business Loans is a free introducer that matches UK companies with lenders and brokers for funding from £10,000 and above.
• Submitting an enquiry is not an application — it helps us match you to partners who can provide indicative terms.
• Typical responses from partners are often within hours during business days; many matches start with a soft-check only.
• We cover a wide range of products: business loans, asset & equipment finance, invoice finance, commercial mortgages and specialist solutions.
• Complete a quick form to Get Started Free Eligibility Check — it takes under 2 minutes.

What is business finance and why it matters in 2025

Business finance is the range of funding solutions companies use to manage cash flow, invest in growth, buy equipment, refinance debt or acquire property. In the current UK landscape, post-pandemic recovery, supply-chain pressures and energy transition priorities mean access to timely, appropriate finance can make the difference between stagnation and growth.

Common business pain points include late customer payments, seasonal cash shortfalls, the need to replace or upgrade capital equipment and expansion capital for new contracts or premises. The right finance product solves those problems without creating unsustainable monthly costs.

If you want a fast, no-cost way to see which products could fit your plan, Free Eligibility Check.

How Fast Business Loans supports your funding journey

We’re an introducer — not a lender. That means we don’t provide loans or give regulated financial advice. Instead, we use your enquiry details to match your business with lenders and brokers who specialise in the product and sector you need.

Our role is to:

• Quickly identify the subset of lenders/brokers suited to your profile and funding need.
• Share your enquiry securely with those partners so they can provide indicative quotes or ask for further documents.
• Save you time by reducing the number of applications you must submit to find the best terms.

Ready to be matched? Get Quote Now — it’s free and there’s no obligation.

Streamlined 4-step enquiry process

1. Complete the short enquiry. Tell us a little about your business, the amount (from £10,000) and purpose. It takes under 2 minutes.
2. We match you. Your details are shared with relevant lenders and brokers on our panel.
3. Partners respond. Expect a call or email with indicative options — often within hours during business days.
4. Compare and decide. Review the offers and proceed directly with the provider you choose. There’s no obligation to accept an offer.

Start the process now: Start My Free Quote.

Business finance options you can access via our panel

Our partners provide a wide range of commercial products. Typical uses and timeframes are shown below.

Business loans

Unsecured or secured term loans for growth, working capital or refinancing. Amounts typically from £10,000 to several million. Decision speed varies from same-day to a few days depending on documentation and security.

Asset & equipment finance

Hire purchase, finance leases and chattel mortgages for machinery, vehicles, IT or medical equipment. Preserve cashflow while spreading costs. Funding can often be arranged within days.

Invoice finance

Unlock cash tied up in unpaid invoices through factoring or discounting. Ideal for businesses with long payment terms. Facilities can be set up in a matter of days to weeks.

Commercial mortgages & property finance

Purchase, refinance or development finance for business premises. Larger sums and longer underwriting timelines—typically weeks to months.

Cashflow & bridging loans

Short-term bridging to cover immediate gaps or a time-sensitive opportunity. Terms and costs vary, so compare offers carefully.

There are many product nuances — for a quick match to relevant providers, Free Eligibility Check.

Funding solutions for your sector

Our panel includes partners experienced in sector-specific lending. Examples:

• Construction: plant & materials, contract finance, retentions relief.
• Hospitality & leisure: refurbishments, seasonal working capital, fit-outs.
• Retail & e-commerce: stock finance, premises expansion, digital investment.
• Manufacturing & engineering: machinery purchase, CAPEX, invoice discounting.
• Transport & logistics: fleet finance, vehicle leasing and working capital.
• Sustainability projects: funding for solar, EV chargers, energy-efficiency upgrades.

If your sector is listed, we’ll match you with lenders who understand your market — Match me with a specialist lender.

Eligibility, documentation & responsible borrowing

Typical eligibility criteria the market considers:

• Minimum loan size: typically £10,000 and above.
• Trading history: many lenders prefer businesses that have traded for at least 12 months (varies by product).
• Turnover and cashflow: lenders assess affordability and sustainability of repayments.
• Credit profile: some lenders are specialist in more complex credit histories.

Documents you may need to share with a lender:

• Recent bank statements
• Management accounts or VAT returns
• ID and company documents (incorporation details, UTR)
• Quotes or invoices for asset finance

Responsible borrowing matters. Consider affordability, alternatives, and speak to a qualified adviser if needed. Fast Business Loans will only introduce you to partners who can help — we do not offer regulated advice.

Costs, rates and what to expect from lenders

Interest rates and fees depend on many factors: product type, loan term, security offered, business credit profile and the broader market. Fees may include arrangement fees, legal costs and broker fees.

Important points:

• Fast Business Loans does not charge you — our service is free for businesses.
• Any fees or APRs quoted by lenders should be confirmed in writing by that provider before you commit.
• Ask lenders for a full breakdown of costs, early repayment terms and total cost of credit.

Compare indicative terms from partners after you submit a quick enquiry: Compare indicative terms.

Case snapshots: how UK firms use business finance

These are anonymised examples to illustrate typical outcomes. Get matched to similar lenders via Get Quote Now.

Why choose Fast Business Loans?

• Speed: short enquiry, fast matches — often within hours.
• Choice: access to a broad panel of specialist brokers and lenders.
• No cost: our service is free and there’s no obligation to proceed.
• Security: we share details only with partners relevant to your enquiry.

Learn more about how business finance works in our central resource on business finance.

Business finance checklist before you apply

• Prepare recent bank statements (3–6 months).
• Have management accounts or VAT returns ready where possible.
• Prepare a brief purpose statement (use of funds and expected benefits).
• Consider required security or director guarantees and how they impact decisions.
• Check affordability: run a simple cashflow forecast to confirm repayments are sustainable.

When you’re ready, submit a short form to Start My Free Quote.

FAQs: UK business finance via Fast Business Loans

Does submitting an enquiry affect my credit score?

No. Submitting your enquiry to Fast Business Loans is not a credit application and does not impact your credit file. Partner brokers and lenders may perform credit checks later if you proceed.

What loan amounts can I request?

Our panel covers funding from around £10,000 upwards. Specific minimums vary by product and lender.

How quickly can I receive indicative terms?

Many partners respond within hours; others may need a day or two depending on complexity. Full funding times depend on product and due diligence.

Is there a fee to use Fast Business Loans?

No — our service is free for businesses. Individual lenders or brokers may charge arrangement or legal fees; these will be disclosed by those providers.

What happens after I submit my enquiry?

We match your details to suitable partners. Those partners will contact you to discuss options or request further documents. Submitting the form does not commit you to any product.

What if I’ve been declined elsewhere?

Because we work with a broad panel, different lenders have different appetites. We may be able to find a specialist partner suited to more complex credit profiles.

Ready to explore your options?

Completing our short enquiry is the fastest way to see which lenders and brokers are best placed to help your business. It takes under two minutes and does not affect your credit score. There’s no fee and no obligation to proceed.

Get Started — Free Eligibility Check

Disclaimer & important notes

Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not lend money, and we do not provide regulated financial advice. Information provided via our enquiry form is used to match you with likely providers; it is not a formal application. You are responsible for reviewing any terms and seeking independent advice if required.