Commercial Finance Solutions for UK Businesses

Summary: Fast Business Loans connects UK companies seeking commercial finance (typically from £10,000 upwards) with lenders and brokers who can provide commercial mortgages, bridging, development finance, asset finance, invoice facilities and refinance options. We don’t lend or give regulated advice — we match your business to the right providers so you can compare quotes quickly and with no obligation. Start a Free Eligibility Check to get matched to lenders and brokers who suit your sector and funding needs.

Free Eligibility Check (takes 2 minutes — no impact on your credit score)

Quick Guide – How Fast Business Loans Helps You Secure Commercial Finance

Fast Business Loans is a free introducer service that saves you time by matching your business with lenders and brokers who specialise in commercial finance. We collect a short set of details and use them to pair you with partners most likely to meet your requirements. You then receive quotes and can decide which offer to pursue — no obligation, no pressure.

• Step 1 — Complete a short enquiry (approx 2 minutes).
• Step 2 — We match you to selected lenders/brokers familiar with your sector and funding need.
• Step 3 — Receive contact and compare options; choose the lender or broker you want to proceed with.

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What Is Commercial Finance?

Commercial finance covers businesses’ funding needs relating to property, development projects, equipment, working capital and large one-off investments. Unlike standard small business loans, commercial finance often involves higher amounts (we work with funding from around £10,000 and up), bespoke terms and may be secured against property or business assets.

Common product families include commercial mortgages, bridging, development finance, asset finance and invoice or cashflow facilities. These products help businesses buy premises, bridge cashflow gaps, fund construction or refurbishments, and acquire high-value equipment.

Note: Fast Business Loans does not provide loans or regulated financial advice — we introduce you to lenders or brokers who can provide the finance.

Why Businesses Turn to Commercial Finance

Businesses seek commercial finance for many practical reasons. Below are common goals and how commercial funding can help:

Property purchase or expansion

Buy premises for trading, invest in a new branch or refinance a commercial mortgage to free up capital.

Refurbishment and fit-out

Raise capital to modernise offices, retail units or hospitality spaces to increase revenue and customer experience.

Development and construction

Short-term development facilities can fund land acquisition and construction phases until units are sold or refinanced.

Working capital and cashflow

Invoice finance, overdrafts or asset-based facilities release cash tied up in trading to cover payroll, suppliers and growth.

Refinance and debt restructuring

Consolidate or restructure existing borrowing to improve monthly cashflow or extend terms.

How Our Matching Service Works

We designed our process to be quick and transparent so you get meaningful leads, not generic emails.

1. Short enquiry form

You provide essential business details, the amount and purpose of funding, and how soon you need it. This form is an enquiry only — it does not affect your credit score.

2. Intelligent matching

Our team and technology select lenders and brokers in our panel that have experience with your sector, deal size and funding type. You’ll only be introduced to partners who can realistically help.

Free Eligibility Check

3. Rapid response

Matched partners typically contact you by phone or email to run through details and provide indicative quotes. Response times vary by product — bridging can be fastest, mortgages and development finance require more due diligence.

4. Compare, decide and proceed

Review offers, ask questions, and choose the lender or broker you prefer. Any formal application and contract will be with that provider — not with Fast Business Loans.

Commercial Finance Options Available via Our Partner Network

Our panel includes providers offering a wide range of commercial finance solutions. Below are the main categories and typical features.

Commercial Mortgages

• Purpose: Purchase or refinance commercial property.
• Funding range: typically £50k upwards (varies by lender).
• Terms: medium-to-long term; usually secured against the property.

Bridging Loans

• Purpose: Short-term funding to bridge a timing gap (purchase, refurbishment, auction bids).
• Funding range: from £10,000 upwards; very flexible sums for quick needs.
• Speed: can fund in days; higher costs than standard mortgages.

Development Finance

• Purpose: Fund construction or redevelopment projects.
• Structure: staged drawdowns aligned to project milestones.
• Requirements: clear exit strategy (sale, refinance) and experienced sponsors preferred.

Asset & Equipment Finance

• Purpose: Buy machinery, vehicles, IT or catering equipment.
• Benefits: preserve working capital; terms tied to asset life.

Invoice & Cashflow Facilities

• Purpose: Unlock working capital from unpaid invoices, manage seasonal peaks.
• Benefits: improves liquidity without long-term security in some cases.

Refinance & Debt Restructuring

• Purpose: Consolidate multiple facilities, reduce monthly outgoings, extend terms.
• Approach: tailored review with lenders to find a better-fit structure.

Eligibility, speed and cost vary by product and provider. If you’re unsure which option suits you, our enquiry will connect you to specialists who can explain next steps.

Industry Expertise – Tailored Funding for Your Sector

We match businesses to lenders and brokers who understand sector-specific needs: construction, hospitality, retail, manufacturing, healthcare, renewable projects and more. Sector knowledge often improves speed and chances of a suitable offer because the provider understands margins, asset values and market cycles.

Speak to a Specialist Broker

Preparing for a Commercial Finance Application

Better preparation helps speed up outcomes. Common documents and information you’ll be asked for include:

• Company accounts (typically last 2–3 years) or management accounts for recent trading.
• Cashflow forecast and business plan for growth or development finance.
• Details of existing borrowing and repayment history.
• Information about assets or property proposed as security (valuations, leases).
• Directors’ details and any personal guarantees if required.

Quick tips: keep financials up to date, prepare clear project costs for development or refurbishment, and be ready to explain any credit issues — many lenders can work with complex histories if the case is well-documented.

Key Advantages of Using Fast Business Loans

• Speed — we reduce time spent searching so you get relevant introductions fast.
• Choice — compare multiple lenders or brokers to find the best fit for your business needs.
• No obligation — submitting an enquiry is free and non-binding.
• Minimal impact — the enquiry does not affect your credit score.
• Sector matching — introductions aim to pair you with providers who understand your industry.

Get Matched to Lenders

Transparent Introductions & Important Disclaimer

Success Snapshot – Realistic Funding Outcomes

Here are anonymised examples to show what’s possible (illustrative only; results vary):

• Construction contractor: secured £450,000 development facility to complete a 12-unit conversion — matched within 10 days to a specialist development lender.
• Independent hotel: arranged a refurbishment facility of £200,000 via a broker who combined asset finance and a short-term bridging solution.
• Manufacturer: obtained £150,000 asset finance for new machinery with staged repayments aligned to revenue growth.

Case studies are illustrative; individual terms depend on lender criteria and the details you provide.

Frequently Asked Questions About Commercial Finance

What minimum loan size can you help with?

We typically work with commercial funding requests from around £10,000 upwards. Exact minimums vary by lender and product.

Will completing the enquiry affect my credit score?

No — completing our enquiry form does not impact your credit score. Lenders perform credit checks only if you proceed with an application and they will explain this first.

How long will it take to get a response?

Many matched partners contact you within hours during business hours. Funding speed depends on product: bridging may fund in days; commercial mortgages and development finance take longer due to valuations and due diligence.

Do you charge businesses to use the service?

No — our matching service is free for business owners. If a broker or lender charges a fee, they must disclose it directly to you.

What security do lenders usually require?

Security varies by product. Commercial mortgages and development finance are commonly secured against property; asset finance is secured against the purchased asset. Some cashflow products may be unsecured, depending on trading history and lender appetite.

Start Your Commercial Finance Enquiry

Ready to explore commercial finance options and get matched to suitable lenders and brokers? Complete a quick enquiry and we’ll introduce you to partners who can provide tailored quotes and next-step advice.

• Takes under 2 minutes
• No obligation — free to use
• No immediate credit checks

Free Eligibility Check — Get Quote Now

Last updated: 01 November 2025

commercial finance

– Are you a lender and how does your service work? We’re not a lender and don’t give regulated advice; we’re a free introducer that matches UK businesses to suitable lenders and brokers so you can compare quotes with no obligation.

– What loan amounts can you help with? We typically support commercial finance from around £10,000 upwards, with larger facilities available depending on the product and lender.

– Will the Free Eligibility Check affect my credit score? No, submitting the enquiry is not an application and has no impact on your credit score; credit checks only happen if you proceed with a chosen provider.

– How quickly can I get matched and funded? You’ll usually hear from matched partners within hours, with bridging finance possible in days and commercial mortgages or development finance taking longer due to valuations and due diligence.

– What types of commercial finance can you match me with? We connect you to providers for commercial mortgages, bridging loans, development finance, asset and equipment finance, invoice finance/cashflow facilities, and refinance options.

– Do you charge fees, and am I obliged to proceed? Our matching service is free and there’s no obligation to proceed; any broker or lender fees will be disclosed by that provider before you commit.

– What security or collateral might be required? Requirements vary by product, with property commonly used for mortgages and development finance, assets securing asset finance, and some cashflow facilities available unsecured.

– Can you help if I’ve been declined elsewhere or have credit issues? Yes, we can match you with specialists who consider complex or adverse credit cases when the proposal is well-documented.

– Which industries and business stages do you support? We match across sectors including construction, hospitality, retail, manufacturing, healthcare and renewables, and can help start-ups and established SMEs.

– What documents should I prepare for a commercial finance application? Prepare recent accounts or management figures, a cashflow forecast/business plan, details of existing borrowing, information on any security, and directors’ details/personal guarantees if required.