Summary — What this page covers

If you’re searching for commercial finance solutions for property, development, growth or bridging, Fast Business Loans helps you find suitable lenders and brokers quickly. We don’t lend or give regulated advice — we act as an introducer. Use our short enquiry to get a free eligibility check and be matched to specialists who arrange facilities from £10,000 and above. Completing the form is not a loan application; it simply lets us identify the best partners to contact you.

Ready to compare options? Get Quote Now.

What is commercial finance?

Commercial finance refers to lending and structured funding designed for businesses — not consumer borrowing. It covers property purchase and refinance, development and construction funding, bridging finance, asset and equipment finance, invoice and working capital facilities, and other tailored arrangements to support company growth or projects.

Typical commercial finance facilities we help businesses explore include large-term commercial mortgages, short-term bridging loans, staged development finance, and specialist asset or invoice finance. Loan amounts commonly start at around £10,000 and can extend into multi‑million pound facilities depending on lender appetite and security.

When commercial finance makes sense for your business

Consider commercial finance when your business needs to:

• Buy, refinance or invest in commercial property
• Fund a development or refurbishment project
• Bridge a short-term funding gap between transactions
• Purchase machinery, vehicles or high-value equipment
• Unlock cash from invoices or secure revolving credit for growth

Each scenario has different providers and product structures — which is why matching to a broker who specialises in your case can increase your chances of a timely and appropriate solution.

Types of commercial finance we can connect you with

Commercial mortgages

Longer-term loans for buying or refinancing commercial property. Typically secured against the property with terms of 5–25 years depending on lender and use. Ideal for buy-to-let portfolios, offices, retail premises and industrial units.

Development finance

Short-to-medium term staged funding for construction and conversion projects. Lenders release funds in tranches as work completes; suitable for housebuilders, property developers and refurbishment projects.

Bridging loans

Fast, short-term facilities to bridge timing gaps. Used for fast purchases, urgent refinancing, or when you need funds before a longer-term facility completes. Turnaround can be days to a few weeks depending on complexity.

Asset & equipment finance

Finance to buy machinery, vehicles, IT or specialist plant. Options include hire purchase, leasing and chattel mortgages — often structured to preserve working capital while spreading costs.

Invoice finance & revolving credit

Unlock cash tied up in unpaid invoices (invoice factoring or discounting) or establish a flexible overdraft/revolving facility to smooth cashflow. Useful for businesses with seasonal cycles or supply-chain delays.

For more on property-focused funding, see our commercial finance guidance at commercial finance.

How Fast Business Loans simplifies your search

Here’s how we work to save you time and improve outcomes:

1. Complete a short enquiry form — it takes under 2 minutes and does not affect your credit score.
2. We review your details and match you to lenders or brokers that specialise in your sector and facility type.
3. Partners contact you to discuss options, fees and likely terms — you decide whether to proceed.
4. Compare quotes and choose the provider that fits your needs; brokers help submit formal applications.

Start with a free eligibility check: Free Eligibility Check.

Eligibility & documentation — what lenders and brokers commonly ask for

Requirements vary by product and lender, but typical information requested includes:

• Basic company details (registration, trading address, industry)
• Recent management accounts and historic company accounts (usually 12–36 months)
• Cashflow forecasts or development appraisals for project finance
• Details of security or collateral (property, plant, director guarantees where applicable)
• Evidence of identity and proof of address for directors/shareholders

Supplying clear documents early speeds the process — and a specialist broker can help confirm precisely what’s needed.

Understanding rates, fees and terms

Commercial finance pricing is influenced by loan type, risk, loan‑to‑value, security and the borrower’s financial strength. Indicative ranges (for guidance only):

• Commercial mortgages: typically lower interest rates but longer arrangements; rates vary with lender and security.
• Development finance: higher margins to reflect construction risk; often lender fees and arrangement fees apply.
• Bridging: premium pricing for speed and short-term exposure; exit fees or arrangement fees are common.

Any quote you receive from a broker or lender should set out all fees, interest rates and the repayment profile. We recommend reviewing these carefully before proceeding.

Prepare in advance — how to strengthen your application

Improve your prospects by taking these steps before you submit an enquiry:

• Ensure recent accounts are up to date and reconciled
• Prepare realistic cashflow forecasts or project appraisals
• Gather proof of security ownership or valuations where available
• Be ready to explain any past credit issues — transparency helps find the right lender

Need help identifying gaps? Complete our short form and we’ll match you with a specialist who can advise: Get Matched — Free Eligibility Check.

Industry-focused support across the UK

Our introducer service connects businesses from many sectors to lenders who understand their market. Common industries include:

• Property developers & investors — acquisition, bridging, development finance
• Construction & building services — project and working capital finance
• Manufacturing & engineering — asset and machinery funding
• Hospitality, retail & leisure — fit-out, refurbishment and seasonal finance
• Agriculture & logistics — vehicle and equipment finance

If your sector isn’t listed, still enquire — we work with niche specialists and can usually find an appropriate match.

Why businesses choose Fast Business Loans

Key benefits of using our introducer service:

• Speed: one short form connects you to multiple relevant providers
• Sector knowledge: matches prioritise lenders familiar with your industry
• No cost to you: our service is free and there’s no obligation
• Clarity: we make clear that submitting an enquiry is not a credit application

Want a fast response? Get Quote Now.

Frequently asked questions

Is Fast Business Loans a lender?

No. We are an introducer that connects UK businesses with lenders and brokers. We don’t provide funds or regulated financial advice.

What loan sizes can your partners arrange?

Our network commonly supports facilities from around £10,000 upwards. Larger, multi‑million pound arrangements are also possible depending on the project and security.

Will submitting an enquiry affect our credit score?

No. Completing our initial enquiry does not trigger a credit check. Any formal credit searches would only be carried out later by the broker or lender with your consent.

How quickly will I hear from a lender or broker?

Many businesses receive contact within hours during business days. Timescales depend on the complexity of the request and required due diligence.

Can you help if we’ve been declined elsewhere?

Yes. We work with a broad panel — some specialist lenders consider applications others won’t. Be transparent about prior outcomes so we can match you appropriately.

Ready to explore commercial finance options?

Complete one short enquiry and we’ll match your business to lenders and brokers who can help. It’s free, quick and not a loan application — just a way to get matched with providers who can offer quotes.

Start Your Free Eligibility Check

Secure submission • We only share your details with selected partners who can help with your enquiry.

Important: Fast Business Loans does not provide lending or regulated financial advice. The enquiry form is for matching purposes only and is not a loan application. All finance terms, rates and fees are provided by lenders or brokers directly; outcomes are not guaranteed and depend on lender assessments. We recommend you review quotes carefully and consider independent professional advice where needed.