Commercial Finance for UK Businesses | Fast Business Loans
Summary: Fast Business Loans helps UK companies source commercial finance from £10,000 upwards by matching your business to the most suitable lenders and specialist brokers. We are an introducer only (not a lender or financial adviser). Complete a short, no-obligation enquiry for a free eligibility check and quick broker match — this does not affect your credit score. Ready? Get Started — Free Eligibility Check
What is commercial finance & when does it help?
Commercial finance is funding arranged for companies (limited companies and other incorporated businesses) to buy property, develop sites, purchase major equipment, refinance existing facilities, or support large-scale expansion projects. It covers a broad range of products and lenders, from specialist development funds to mainstream commercial mortgages and asset finance.
Typical use cases:
- Buying or refinancing commercial property (offices, warehouses, shops).
- Funding property development and refurbishment projects.
- Short-term bridging loans to secure opportunities quickly.
- Asset and equipment finance for production machinery, vehicles or specialist plant.
- Invoice finance and debtor funding to improve cash flow for larger contracts.
- Acquisition finance to buy another business or franchise (M&A funding).
Micro-CTA: Check Your Options in 2 Minutes
Why UK businesses choose Fast Business Loans
We make finding commercial finance fast, simple and more likely to succeed by matching your needs to lenders and brokers who specialise in your sector. Important: we introduce businesses to providers — we do not lend money or give regulated financial advice.
Sector-specific broker matches
Our network includes lenders and brokers experienced in construction, property development, hospitality, manufacturing, logistics and many specialist sectors. That sector expertise often improves the speed and quality of offers.
Transparent, no-obligation introducer
Our service is free for businesses. We take a short set of details to match you to the right panel partners — you decide whether to proceed. We do not guarantee acceptance and we do not charge you for introductions.
Fast responses & broad UK coverage
Most enquiries receive a response from a matched partner within hours during business days. We work across England, Scotland, Wales and Northern Ireland to find regional and national funders.
CTA: Start Your Enquiry
Step-by-step: How our commercial finance matching works
- Share your requirements — complete a short enquiry (under 2 minutes). Tell us the loan amount (from £10,000 upwards), purpose, trading history and security available.
- We vet and connect — we match you with lenders/brokers suited to your sector and deal size, and share your enquiry securely with selected partners.
- Compare quotes — matched partners contact you to discuss terms and provide indicative quotes. You choose who to progress with.
- Complete with your chosen partner — the lender or broker you select handles the full application and due diligence to completion.
Visual suggestion: 4-step timeline graphic showing these stages.
CTA: Free Broker Match
Types of commercial finance we can help you compare
Our panel covers a wide range of UK commercial lending products. Below are the most common options and what they’re typically used for.
Commercial mortgages & property finance
Longer-term funding for buying or refinancing commercial buildings. Typical amounts: £100k–£5m+. Eligibility: company borrowing, property valuation, proof of income or rental projections.
Bridging & development finance
Short-term loans for development or when you need funds quickly. Useful for land acquisition, refurbishments and schemes that will refinance into a longer-term mortgage.
Asset & equipment finance
Hire purchase, finance leases and chattel mortgages for machinery, vehicles, plant and specialist equipment. Typical loan sizes: £10k upwards. Advantages: preserve working capital, structured repayments matched to asset life.
Invoice finance & debtor funding
Unlock cash tied up in unpaid invoices to improve working capital. Ideal for firms with large contracts or long payment terms. Facilities scale with invoice book size.
Growth, expansion & acquisition funding
Funding to buy another business, expand premises or invest in new product lines. Lenders will assess forecasts, cashflow and management experience.
For a full guide on property-related options, see our commercial finance hub on commercial finance.
Who we help across the UK
We work with limited companies and incorporated businesses (not sole traders or professional-only loans). Typical clients include:
- Established SMEs and mid-cap companies seeking scale-up capital.
- Property developers and investors needing specialist development or bridging finance.
- Manufacturers and engineering firms replacing or expanding plant and machinery.
- Hospitality, retail and logistics businesses investing in premises or fleets.
We support businesses in England, Scotland, Wales and Northern Ireland.
What to expect during the quote process
Here’s a realistic view of timings, eligibility and documents so you can prepare and move quickly.
Eligibility basics
- Minimum loan size: £10,000.
- Typical lender checks: trading history, turnover, management experience and security offered.
- Some products require property or asset security; others are partially unsecured depending on size and profile.
Documents to prepare
- Company accounts (last 1–3 years) or management accounts.
- Business plan or project costs for development or acquisition loans.
- Proof of identity and recent utility bills for directors; asset information for equipment finance.
Timelines
Initial contact from a matched partner: often within hours. Indicative offers within days for simple products (asset finance, invoice finance). Complex property or large acquisition funding can take several weeks to complete.
Commercial finance FAQs
- Are you a lender or authorised to give financial advice?
- No. Fast Business Loans is an introducer. We connect businesses to lenders and brokers who can provide finance and advice directly.
- Will completing the enquiry form affect my credit score?
- No — submitting our short enquiry does not impact your credit score. Lenders may carry out credit checks later with your permission.
- What loan sizes can your partners provide?
- We typically work with deals from £10,000 upwards, and our panel covers facilities into the millions depending on the product and lender.
- What documents should I have ready?
- Prepare recent company accounts or management accounts, ID for directors, and details of the asset or property involved in the loan.
- Can you help with property development without pre-sales?
- Some specialist development lenders will consider schemes without pre-sales depending on developer experience, GDV and exit plans. We’ll match you to those who may be suitable.
- How quickly can funds be released?
- Timing varies: bridging can complete in days (subject to valuation and legal work); development and commercial mortgage completions typically take several weeks.
Client stories: UK businesses we’ve helped
Midlands manufacturer — asset finance, £750,000
A manufacturing business upgraded production machinery using an asset finance package arranged through our panel. Result: improved capacity, staged repayments aligned to production cycles and freed working capital for raw materials.
“The matched lender understood our sector and turnaround was swift — we were operational faster than expected.” — Operations Director, Midlands
London developer — bridging loan, £1.2m
A property developer secured a short-term bridging facility to buy a site at auction. Our match connected them to a specialist bridging lender who advanced funds quickly, enabling the developer to proceed and refinance into a commercial mortgage later.
“Fast, pragmatic and focused on the right lenders for our scheme.” — Developer, London
Resources & next steps
Want to learn more before you start? We recommend:
- British Business Bank: commercial finance guidance (external resource).
- FCA guidance on financial promotions (external resource) to understand clear, fair information.
If you’re ready to explore options, complete our short form — it takes under two minutes and won’t affect your credit score. We’ll match you to lenders/brokers who are likely to understand your sector and needs.
Final CTA: Get Your Commercial Finance Match
– What is commercial finance and how can it help my UK business?
Commercial finance is funding for incorporated UK companies to buy or refinance property, fund development, acquire equipment, improve cash flow or support growth via specialist lenders and brokers.
– Is Fast Business Loans a lender or financial adviser?
No—Fast Business Loans is an introducer that matches your business with suitable UK lenders and brokers; we don’t lend or provide regulated financial advice.
– Will completing your enquiry form affect my credit score?
No—the quick enquiry is not a loan application and won’t affect your credit score; any lender credit checks happen later with your consent.
– What loan amounts can you help source?
We match businesses to partners offering facilities from £10,000 upwards, with potential to reach into the millions depending on the product and lender criteria.
– How quickly will I hear back and how long does funding take?
You’ll typically hear from a matched partner within hours, with bridging or asset finance sometimes completing in days and complex property or acquisition deals taking weeks.
– Who is eligible to use your service?
We help UK limited companies and other incorporated businesses across England, Scotland, Wales and Northern Ireland (not sole traders or personal/professional-only loans).
– What types of commercial finance can you help me compare?
Our panel covers commercial mortgages, bridging and development finance, asset and equipment finance, invoice finance, and growth/acquisition funding.
– Do I need security, or are unsecured options available?
Many facilities are secured against property, assets or invoices, but some options may be partially unsecured depending on deal size and business profile.
– What documents should I prepare to speed up a quote?
Have recent company or management accounts, director ID and address, and any property, project or asset details ready.
– Does using Fast Business Loans cost me anything?
No—our introducer service and free eligibility check are free for applicants, while any lender or broker fees will be disclosed by the provider if you choose to proceed.
