Commercial Finance Made Simple for UK Businesses

Summary: Commercial finance covers borrowing and funding solutions for businesses and commercial property projects. Fast Business Loans connects UK companies with specialist lenders and brokers to compare options quickly — our free, no‑obligation enquiry helps match you with the right providers for loans from £10,000 upwards. Submitting an enquiry is not an application; it is information we use to find the best matches and does not affect your credit score.

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What is commercial finance?

Commercial finance is the range of lending and funding solutions used by companies to buy, build, refinance or operate commercial assets and enterprise activities. It typically includes commercial property mortgages, development and bridging finance, working capital and business loans, asset and equipment finance, invoice finance and refinance programmes. These products are designed for businesses (limited companies, LLPs and other corporate structures) and for projects that usually require funding from around £10,000 upwards.

Use cases include purchasing or refinancing shops, offices, warehouses, investing in development or refurbishment, funding stock and payroll, buying plant and machinery, or bridging short-term cashflow gaps while awaiting long-term lending. Unlike consumer mortgages, commercial finance considers the asset, the business trading performance and project viability when assessing affordability.

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Why Fast Business Loans for commercial finance?

We’re a specialist introducer — not a lender

Fast Business Loans does not lend money or provide financial advice. We introduce UK businesses to a panel of lenders and brokers experienced in commercial lending so you can compare real options. Completing our enquiry helps us match you quickly with partners suited to your sector and borrowing needs.

Speed and relevance

Our short enquiry takes under 2 minutes and helps avoid wasted time. We prioritise speed and relevance — matching you with lenders who commonly work on deals like yours. Businesses typically receive a response from partners within a few hours during business days.

No cost, no obligation

It’s free to submit an enquiry and there’s no obligation to proceed. Our introducer model is funded by partners, not by fees from businesses making enquiries.

Get Started — Free Eligibility Check

Commercial finance solutions available via our network

Through our panel you can access a wide range of commercial finance solutions. Below are common categories — indicative examples only. Actual product availability, loan sizes and terms depend on each lender’s criteria.

• Commercial mortgages — purchase or refinance commercial property. Typical sizes vary widely; many lenders from £50k upwards.
• Bridging & development finance — short-term funding for purchases or projects, often used to move quickly between transactions.
• Asset & equipment finance — loans or hire purchase for machinery, vehicles, IT and specialist equipment.
• Invoice finance & factoring — unlock cash tied up in unpaid invoices to improve working capital.
• Business loans & working capital — unsecured or secured facilities for growth, stock or payroll.
• Refinance & consolidation — restructure existing facilities to manage cashflow or reduce monthly burden.
• Merchant & revenue-based finance — for businesses with card/debit takings or predictable revenue streams.

For an overview of commercial lending and its uses, see our pillar guide on commercial finance.

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How our matching process works

1. Enquiry: You complete a short form giving business details, loan amount, purpose and contact info. This is not an application.
2. Match: We use your information to select lenders or brokers that commonly work with businesses like yours.
3. Contact: Matched partners contact you to discuss options and may request further documents to provide indicative terms.
4. Compare: Review proposals and decide which provider you wish to work with. Proceeding may lead to credit checks by those lenders.

Submitting our form is a soft, non‑credit enquiry. Lenders or brokers will only progress to firm credit searches if you instruct them to proceed.

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Eligibility & documentation checklist

Each lender sets its own criteria, but typical eligibility markers and documents include:

Common eligibility factors

• UK-registered business (limited companies, LLPs)
• Minimum trading history (varies by lender)
• Turnover and projected cashflow to support repayments
• Acceptable security where required (property, assets)

Documents lenders may request

• Business accounts (latest filed accounts or management accounts)
• Bank statements (usually 3–6 months)
• Proof of identity for directors/beneficial owners
• Property details, valuations, development appraisals (for property finance)
• Cashflow forecasts and business plan for larger or development loans

If you have limited trading history or previous adverse credit, our panel includes specialists who can help identify suitable options — share the details in your enquiry and we will match accordingly.

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Commercial finance costs, rates & considerations

Costs vary by product and lender. Key items to compare include:

• Interest rate: Fixed or variable rate, usually expressed as a margin over a reference rate.
• Arrangement and broker fees: Upfront fees charged for arranging the loan.
• Valuation, legal and survey fees: Common on property-backed lending.
• Early repayment charges: Some lenders apply penalties to leave a deal early.
• Security: Secured loans may require property charges or asset pledges — understand the consequences of missed repayments.

Compare APR, total cost over the term and repayment profile when assessing options. Any figures provided by brokers or lenders are illustrative; final terms depend on individual assessment.

Compare indicative terms with a specialist

Timeline: from enquiry to funding

Timings depend on product complexity and lender processes. Typical timeframes:

• Quick working capital or small business loans: a few days to a few weeks.
• Asset finance: often settled in 1–3 weeks once paperwork is complete.
• Bridging finance: can be arranged in days to weeks for time-critical cases.
• Commercial mortgages and development finance: 4–12+ weeks, depending on valuation, legal work and due diligence.

After you choose a lender and submit full documentation, progress speeds up — some specialist partners can move very quickly in urgent situations.

Need funding swiftly? Get a Free Eligibility Check

Sector-specific support

Our network includes lenders and brokers that specialise in many UK sectors, including:

• Construction & property development
• Hospitality & leisure
• Healthcare & clinics
• Manufacturing & engineering
• Retail, e‑commerce & distribution
• Agriculture & land-based businesses

When completing your enquiry, tell us about your industry and project so we can match you with partners who understand sector nuances and underwriting expectations.

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Frequently asked questions

Are you a lender or a broker?

Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not lend directly and we do not provide regulated financial advice.

Does my enquiry affect my credit score?

No. Submitting our enquiry form is a soft, non‑credit check. Lenders or brokers may run full credit checks later if you choose to proceed with an application.

What amounts can I borrow?

Our partners typically handle commercial lending from around £10,000 upwards. Exact minimums vary by product and lender.

What security will lenders require?

Security depends on product and risk. Property-backed loans usually require a charge on the asset; unsecured working capital or asset finance may use the asset itself as security.

Can you help with refinancing an existing commercial loan?

Yes — we can introduce brokers who specialise in refinance and restructuring to improve cashflow or consolidate facilities.

How are brokers paid?

Brokers and lenders have their own fee models. Any brokerage or arrangement fees will be disclosed by the provider during the process. Our service is free to businesses making enquiries.

Still have questions? Submit your details and we’ll connect you with a specialist

Next steps: start your commercial finance enquiry

Ready to explore options? Completing our short enquiry helps us match you with lenders and brokers that suit your project. The process is:

1. Complete the short enquiry — takes under 2 minutes.
2. We match you to relevant partners based on your details.
3. Receive a fast response and compare quotes — no obligation to proceed.

Get Started — Free Eligibility Check

Important information & disclosure

Fast Business Loans is a finance introducer. We are not a lender and we do not offer financial or regulated advice. Completing our enquiry form is not an application for credit; it is information used to match your business with lenders or brokers. Any indicative figures or timescales are illustrative — actual terms depend on lender assessment. Submitting your enquiry does not affect your credit score. We handle personal and business data securely in line with data protection laws — see our Privacy Policy and Terms for details.

– What is commercial finance?
Commercial finance is business borrowing for property, development, bridging, assets/equipment, invoice funding and working capital, assessed on the asset, trading performance and project viability.

– Are you a lender or a broker?
Fast Business Loans is a free introducer that connects UK businesses with specialist lenders and brokers; we don’t lend or provide financial advice.

– Does submitting an enquiry affect my credit score?
No—our enquiry is not an application and uses a soft, non-credit check; only a lender you choose to proceed with may run a full search.

– What types of finance and loan amounts can you help with?
Through our network you can access commercial mortgages, bridging and development finance, asset and equipment finance, invoice finance, and business loans from around £10,000 upwards.

– How fast will I get a response and when could funds arrive?
Matched partners typically respond within hours, with funding ranging from a few days (working capital/bridging) to 4–12+ weeks (commercial mortgages or development).

– What documents will lenders usually ask for?
Expect recent accounts, 3–6 months’ bank statements, director ID, and, for property finance, details/valuations plus cashflow forecasts or a business plan.

– What costs and rates should I compare?
Compare APR and interest margin, arrangement/broker fees, valuation/legal costs, security requirements, and any early repayment charges.

– Do you support start-ups or businesses with adverse credit?
Yes—our panel includes specialists for limited trading history and past credit issues; share details in your enquiry to be matched appropriately.

– What security might be required?
Security depends on product and risk, with property loans typically secured by a charge on the asset, asset finance on the equipment, and some working capital options available unsecured.

– Can you help refinance or consolidate existing commercial borrowing?
Yes—we can introduce brokers who arrange refinance and consolidation to improve cashflow or restructure existing facilities.