What is commercial finance?

Commercial finance covers business lending and funding solutions used by limited companies and growing businesses for commercial property, development projects, short-term bridging, capital expenditure and working capital. Typical uses include purchasing or refinancing commercial property, funding a development, bridging a short-term gap, financing vehicles and equipment, or unlocking cash tied up in invoices.

Fast Business Loans helps you access these options from specialist brokers and lenders — we don’t lend directly. If you’d like to see likely options now, start our Free Eligibility Check.

Why use Fast Business Loans for commercial finance?

Searching for commercial finance can be time-consuming and confusing. We simplify the process and increase the chance of a competitive outcome by matching your enquiry to lenders and brokers who specialise in your sector and loan type.

• Fast matching: one short enquiry connects you to multiple suitable providers.
• Save time: avoid sending the same details to dozens of lenders.
• Specialist matches: we route enquiries to brokers/lenders that understand your industry and needs.
• No obligation: it’s free to enquire and you are under no pressure to proceed.
• No immediate credit impact: initial enquiries use soft searches only; formal credit checks happen later with your permission.

Want to proceed? Complete a short form to Get Quote Now.

How our commercial finance matching works

Here’s how we help you find the right provider — fast and transparently.

1. Quick enquiry: you tell us a few details about your business, the amount required (we handle enquiries from £10,000 upwards), the type of finance and timescales. The form takes about 2 minutes. Start your Free Eligibility Check.
2. Intelligent match: we route your details to selected lenders and brokers who specialise in your sector and finance type.
3. Rapid response: providers typically contact you by phone or email with initial offers, clarifying questions or indicative rates.
4. Compare and decide: you review options, select the best fit and move forward directly with the lender/broker. We do not charge businesses for this introduction.

That’s it — faster than searching individually, and designed to reduce wasted time and paperwork.

Commercial finance solutions we can arrange

Through our network of brokers and lenders we can connect you to providers offering a wide range of commercial finance products. Below are common solutions and typical use-cases.

Property & development finance

Funding for purchasing or refinancing commercial property, conversion projects and development lending. Typical loan-to-value (LTV) ranges vary by lender but commonly sit between 60% and 75% LTV for established assets; development funding is considered on projected GDV, with staged drawdowns and monitoring.

Bridging loans & short-term funding

Short-term loans to bridge timing gaps — for example, to secure a purchase while longer-term finance is arranged or to unlock equity quickly. Terms are usually from a few weeks to 12–24 months, and exit strategies (sale, refinance) are key to lender decisions.

Cash flow & working capital facilities

Overdraft alternatives, term loans and invoice finance to smooth payroll, stock or seasonal demand. Providers consider turnover, margins and debtor quality when pricing working capital facilities.

Asset, equipment & vehicle finance

Hire purchase, leasing and asset-backed loans for machinery, IT, plant, commercial vehicles and fleets. Finance can cover new or used assets and is often structured to align payments with asset life and tax planning.

Invoice & supply-chain finance

Unlock unpaid invoices or set up supply-chain facilities so you can access a percentage of invoice value quickly. Ideal for B2B businesses with payment lags that want to improve liquidity without adding long-term debt.

Eligibility snapshot & what lenders assess

While requirements vary, lenders commonly look at:

• Business structure and trading history (age, turnover, profitability)
• Management experience and credit profile of directors
• Purpose of funds and clear exit/repayment plan for short-term products
• Security available (property, assets) and loan-to-value ratios
• Sector risk and projected cashflows for development or growth finance

We work with partners who consider a wide range of situations, including businesses with previous adverse credit — each case is judged individually. To see likely matches for your profile, complete our Free Eligibility Check.

Costs, rates & representative scenarios

Rates and fees vary significantly by product, deal size, term, security and borrower profile. Typical market ranges (indicative only):

• Commercial mortgages: rates from mid-single digits (fixed or variable) depending on loan size and LTV; arrangement fees may apply.
• Development finance: interest rates higher due to risk; fees and monitoring costs are common; LTVs typically lower on GDV assumptions.
• Bridging loans: monthly rates often quoted as a percentage of the loan (e.g., 0.5%–1.5% per month) plus arrangement and exit fees.
• Asset finance: structured repayments spread over asset life; effective rates depend on deposit, term and asset age.
• Invoice finance: facility fees plus a discount on invoices (percentage charged on the amount advanced).

Examples (illustrative only): a £250,000 commercial mortgage might be offered at 4.5%–6% depending on credit and LTV; a 3-month bridging loan could carry a monthly rate of 0.8% plus arrangement fees. Exact terms are set by the lender — use our Free Eligibility Check to get tailored quotes.

Industries we support

We match businesses across many UK sectors to lenders familiar with their markets, including:

• Construction & trades
• Property development & commercial landlords
• Hospitality — hotels, pubs, restaurants
• Manufacturing & engineering
• Logistics, transport & haulage
• Healthcare providers and clinics
• Agriculture and agri-business
• Retail & e-commerce

If your industry is listed above (or similar), we can route your enquiry to specialists who understand the risks and documentation lenders will expect.

Success signals / mini case illustrations

These anonymised examples show how the right match speeds outcomes. Ready to see options for your business? Get Started — Free Eligibility Check.

FAQs

Is Fast Business Loans a lender?

No. We introduce businesses to brokers and lenders who can provide commercial finance. We do not provide loans or financial advice.

Will submitting an enquiry affect my credit score?

No — completing our enquiry uses a soft search only. Formal credit checks are carried out by lenders later, and only with your consent.

How quickly will I hear from lenders or brokers?

Many partners respond within hours during business days; complex requests (large developments, bespoke refinancing) may take longer while providers review documents.

What documents will I need?

Typical documents include recent management accounts, business bank statements, director IDs, proof of ownership or asset details and a clear explanation of the purpose of funds. Requirements vary by product.

Do you charge businesses to use the service?

Our matching service is free for businesses. Any fees or commission charged by brokers or lenders will be disclosed by them before you commit.

What loan sizes do you support?

We arrange introductions for commercial finance from around £10,000 up to multi‑million-pound facilities, depending on the provider and product.

Next steps — get a free eligibility check

Ready to compare commercial finance options? Complete a short enquiry and we’ll match you to lenders and brokers suited to your needs. It takes under two minutes and won’t affect your credit score.

Get Quote Now — Free Eligibility Check

For further reading on property-specific options, see our commercial finance pillar on commercial finance.

Trust, compliance and data handling

Fast Business Loans is an introducer that connects businesses with lenders and brokers. We are not a lender and we do not provide regulated financial advice. Decisions, rates and fees are set by the lenders and brokers you choose to work with.

Your personal and business information is handled securely and shared only with partners relevant to your enquiry. Submitting an enquiry does not guarantee funding. Any provider you speak to will make their own assessment and provide full terms and disclosures.

Need help? If you’d like to see likely options now, start a Free Eligibility Check — it’s quick, free and without obligation.