Business Finance for UK SMEs — Get Matched to Trusted Lenders and Brokers, Fast

Running a business demands steady cash flow — for stock, payroll, equipment, vehicles, premises and growth. If you’re exploring business finance, you want clear options, quick responses, and partners you can trust.

Fast Business Loans is not a lender and we don’t provide financial advice. We’re an introducer that connects UK limited companies, LLPs and partnerships with verified brokers and lenders who are well‑suited to your needs and sector. One quick, no‑obligation enquiry (under 2 minutes) and we’ll match you to finance professionals who can follow up with tailored options — typically the same business day.

• Free eligibility check
• No impact on your credit score to enquire
• No obligation to proceed
• Facilities typically from £10,000 to £5 million+, subject to status

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What Is Business Finance?

Business finance refers to the funding solutions that help your company operate, invest and grow. It can cover short‑term working capital (e.g., smoothing cash flow) or longer‑term investments (e.g., equipment, vehicles or premises). The right finance type depends on your goals, trading history, security, affordability and sector dynamics.

Common uses include:

• Working capital and cash flow smoothing
• Stock purchasing and supplier payments
• Equipment, vehicles and machinery
• Fit‑outs, refurbishments and expansions
• Sustainability upgrades (e.g., solar PV, EV chargers, heat pumps)
• Bridging cash gaps while awaiting invoices or settlements

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How Our Matching Service Works

1. Tell us what you need
   Complete a short enquiry with basic company details, funding amount and purpose. It takes less than 2 minutes.
2. Get matched to suitable partners
   We connect you with selected UK brokers and/or lenders who understand your sector and requirements.
3. Receive a rapid response
   You’ll typically hear back by phone or email the same business day (often within hours) to discuss options.
4. Compare and decide
   Review your options and choose whether to proceed. There’s no pressure and no obligation.

Important notes:

• Your enquiry with us does not affect your credit score.
• If you decide to move forward, the broker/lender may run credit checks and request documents as part of their assessment.

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Types of Business Finance We Can Connect You With

Every business is different. Our network includes brokers and lenders that offer a range of finance products. Availability, terms and rates vary by provider, credit profile, time trading, turnover, security and sector. The following descriptions are general and for information only.

Unsecured Business Loans

• Typically used for: working capital, marketing, stock, general cash flow
• Features: no specific asset security required (personal guarantees may be requested); fixed or variable terms
• Consider if: you want a straightforward lump sum and predictable repayments

Secured Business Loans

• Typically used for: larger borrowing or where you can offer security (e.g., property or other assets)
• Features: security reduces lender risk; may improve affordability for higher amounts
• Consider if: you need larger facilities or potentially lower rates with security

Asset Finance

• Typically used for: machinery, vehicles, tools, technology
• Features: spreads the cost of assets; the asset usually acts as security
• Consider if: you want to preserve working capital while acquiring equipment

Equipment Finance

• Typically used for: IT systems, catering, medical, manufacturing equipment
• Features: tailored to specific equipment; structured to the asset’s working life
• Consider if: you’re upgrading or replacing critical equipment

Invoice Finance

• Typically used for: releasing cash tied up in unpaid invoices
• Features: advances a percentage of invoice value; improves cash flow as you grow
• Consider if: your business invoices other businesses (B2B) with payment terms

Vehicle and Fleet Finance

• Typically used for: cars, vans, trucks and specialist vehicles
• Features: hire purchase, finance lease or contract hire options
• Consider if: you need vehicles without tying up large amounts of capital

Fit‑Out Finance

• Typically used for: shop, office, restaurant, medical or hospitality refurbishments
• Features: staged or lump‑sum funding aligned to project milestones
• Consider if: you’re opening or upgrading premises to drive growth

Cashflow Loans

• Typically used for: bridging short‑term gaps and smoothing seasonality
• Features: quick access; terms vary by risk and lender criteria
• Consider if: you need speed and flexibility for operational costs

Refinance and Consolidation

• Typically used for: restructuring existing borrowing to improve monthly cash flow
• Features: replaces multiple debts with one facility; terms vary
• Consider if: you want simpler repayments and potential cost savings

Commercial and Property Finance

• Typically used for: commercial mortgages, development finance, bridging
• Features: complex underwriting; usually secured on property
• Consider if: you’re purchasing, developing or refinancing business premises

Sustainability Finance

• Typically used for: energy efficiency and renewable upgrades (e.g., solar, EV charging)
• Features: project‑focused; sometimes aligned with grants/incentives
• Consider if: you want to reduce energy costs and meet ESG goals

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Sectors We Commonly Support

We connect UK companies across a wide range of industries, including specialist sectors.

• Construction: materials, labour, equipment, retention gaps
• Sustainability: solar PV, EV chargers, heat pumps
• Agriculture and Farming: tractors, machinery, land improvements
• Hospitality: hotels, pubs, restaurants, refurbishments, seasonality
• Healthcare: clinics, care homes, medical equipment
• Building Services/Trades: contractor cash flow, equipment, vans
• Engineering and Manufacturing: machinery finance, modernisation
• Food, Printing & Packaging: production, packaging, technology
• Logistics & Transport: fleet upgrades, warehousing
• Retail & E‑Commerce: stock, fit‑outs, digital expansion
• Start‑ups & SMEs: newly incorporated limited companies and LLPs

If your sector isn’t listed, we can still help. Tell us about your business and we’ll match you with partners who understand your world.

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Eligibility at a Glance

Eligibility requirements vary by lender and finance type. The following are typical—not absolute—guidelines:

• UK‑registered limited company, LLP or partnership (we do not arrange finance for sole traders)
• Time trading: from newly incorporated to established; some lenders may require 3–12+ months
• Turnover and affordability: vary by product; higher turnover may open more options
• Credit profile: all considered; products and pricing vary with credit history
• Security: may be required for larger sums or certain products
• Documentation: bank statements, ID, recent accounts, VAT returns, management info
• Minimum funding size: typically from £10,000

Free Eligibility Check — No Impact on Credit Score

What Documents Will I Usually Need?

It depends on the product and lender, but commonly requested items include:

• Last 3–6 months’ business bank statements
• Latest filed accounts and/or management accounts
• Director/partner identification and address verification
• Details of existing finance (if refinancing)
• VAT returns (where applicable)
• Sales ledger and debtor book (for invoice finance)
• Asset details/quotes (for asset/equipment finance)
• Business plan or cash flow forecast (sometimes requested)

Providing clear, complete documents helps brokers and lenders assess your case quickly.

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Costs, Rates and Repayments — What to Expect

We don’t set rates or terms. Costs vary by provider, product, risk profile and market conditions. You’ll receive personalised quotes directly from brokers/lenders after your enquiry.

Good to know:

• Pricing can be APR, flat rate or fee‑based depending on product
• Fees may include arrangement, documentation or early settlement charges
• Repayments may be daily, weekly, monthly or linked to invoice drawdowns
• Affordability and suitability are key: only proceed if the finance is right for your business

There’s no obligation to accept an offer—compare options and decide.

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Why Choose Fast Business Loans

• Fast and simple: Quick online enquiry; matched to suitable partners in minutes
• Trusted connections: Verified UK brokers and lenders who promote clear, fair and not misleading information
• Sector expertise: Partners with deep understanding of your industry
• Transparent and secure: Your details are only shared with relevant partners for your enquiry
• No obligation: You decide what to do with your options
• Free to use: We may receive an introducer fee from partners; you pay us nothing

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Common Funding Scenarios We See

• Bridging cash flow ahead of peak season or large orders
• Buying machinery or vehicles to expand capacity
• Refurbishing premises to drive footfall and sales
• Unlocking cash from unpaid invoices during growth
• Consolidating multiple facilities into a simpler structure
• Financing sustainability improvements to reduce energy costs

If you’re not sure which route to take, complete the enquiry and outline your goals. We’ll connect you with partners who can discuss options tailored to your situation.

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Compliance and Transparency

We aim to ensure our promotions are clear, fair and not misleading, aligned with UK best‑practice advertising principles for financial services.

• Fast Business Loans is not a lender and does not provide financial advice.
• We act as an introducer, connecting you with professional brokers and lenders.
• Enquiring on our site does not affect your credit score. If you proceed, partners may run credit checks.
• There is no obligation to accept any offer you receive.
• We may receive an introducer fee from partners if you choose to proceed; this does not affect the options you’re shown.
• Your data is handled securely and shared only with relevant partners for your enquiry.

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FAQs About Business Finance and Our Service

Are you a lender?

No. We’re an introducer that connects UK companies with trusted brokers and lenders who provide finance directly.

Does it cost me anything to use Fast Business Loans?

No. It’s free for company directors and partners to submit an enquiry. We may receive an introducer fee from partners if you proceed.

Will submitting an enquiry affect my credit score?

No. Your enquiry does not affect your credit score. If you advance with a lender, they may conduct credit checks as part of their process.

How fast will I hear back?

Typically the same business day, often within hours. Response times can vary by time of day and complexity.

What amounts are available?

Partners commonly arrange facilities from around £10,000 up to £5 million+, subject to status, product and security.

Do you support start‑ups?

Yes. Some partners specialise in newly incorporated limited companies and LLPs. Options vary by sector, turnover projections and security.

Are the lenders/brokers regulated?

We work with UK‑based finance professionals. They operate under applicable UK laws and, where relevant, regulatory frameworks. Our promotions are designed to be clear, fair and not misleading.

Can I apply if I have adverse credit or previous refusals?

Yes—many partners consider a range of credit profiles. Approval isn’t guaranteed; your suitability will depend on multiple factors.

What information do I need to provide?

Basic business details, funding amount and purpose, contact details, and later, documents like bank statements and ID. Product‑specific items may be requested (e.g., sales ledger for invoice finance).

Do you support sole traders or professions loans?

No. We currently serve UK limited companies, LLPs and partnerships only, and we do not arrange professions loans.

How do I get started?

Complete our short enquiry form. We’ll match you with suitable partners who will contact you to discuss tailored options.

Start Your Enquiry — Free Eligibility Check

Ready to Explore Your Business Finance Options?

• 2‑minute enquiry
• Free eligibility check
• No obligation to proceed
• Speak to real finance professionals

Fast Business Loans — Connecting UK businesses to trusted brokers and lenders. Fast.

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– What is Fast Business Loans and how does it work?
Fast Business Loans is a free UK matching service that connects your business with vetted brokers and lenders who follow FCA guidelines after you complete a quick 2‑minute enquiry.

– Does using your service affect my credit score?
No—submitting an enquiry won’t affect your credit score, and any checks only happen if you choose to proceed with a lender.

– How quickly will I hear from a lender or broker?
Typically within hours, and often within minutes during business hours.

– What loan amounts are available?
Our partners can provide business finance from around £5,000 up to £5 million+ depending on your circumstances.

– What interest rates and repayment terms can I expect?
Rates and terms vary by lender, product, and your business profile, and your matched broker will outline the best options with no obligation.

– What types of business finance can you connect me with?
We connect UK businesses to solutions including business loans, cashflow loans, invoice finance, asset and equipment finance, vehicle finance, refinance, fit‑out finance, and sustainability loans.

– Do you support start-ups, SMEs, and my industry?
Yes—many partners specialise in start-ups and SMEs across sectors like construction, hospitality, retail, healthcare, logistics, agriculture, and more.

– Can you help if I’ve been declined elsewhere or have less‑than‑perfect credit?
Yes—because we work with a wide UK panel, you may still be matched with lenders better suited to your situation.

– Does it cost anything to use, and am I obliged to proceed?
No—the service is free to use and there’s no obligation to take any offer.

– What information do I need to start my enquiry?
Just provide basic business details, the funding amount and type you need, and your contact info via our short online form.