Commercial Finance for UK Businesses – Compare Options Fast

Key Takeaways

• Fast Business Loans connects your company with lenders and brokers to explore commercial finance from £10,000 upwards.
• Our matching service is free and non‑binding — lenders/brokers will disclose fees and terms before you commit.
• We cover a wide range of products: commercial mortgages, development finance, bridging, asset & invoice finance and working capital.
• Submitting an enquiry does not affect your credit score; lenders may perform checks later with your consent.

What Is Commercial Finance?

Commercial finance refers to funding designed for business‑use rather than personal borrowing. In the UK context this includes finance for buying or refinancing commercial property, funding construction and development projects, bridging short‑term gaps, buying equipment and releasing cash from invoices.

Commercial finance differs from typical small unsecured business loans by often being larger, sometimes secured against property or assets, and structured to match the project or cashflow profile it supports. Typical use cases include property purchase or refinance, site development, plant and machinery purchases, stock and trade finance, and gap‑funding between transactions.

Compliance note: This page is for guidance only and does not constitute financial advice. Final terms, availability and eligibility are determined by lenders or brokers.

How Fast Business Loans Helps You Secure the Right Deal

Step‑by‑Step Matching Process

1. Quick enquiry: Tell us about your business and funding needs in a short form (takes under 2 minutes).
2. Smart matching: We match you to lenders/brokers in our panel who specialise in your sector and product.
3. Rapid response: Expect contact from matched partners — often within one business day.
4. Compare & decide: Review proposals, ask questions, and choose the option that best fits your goals.

Why use a broker‑introducer platform? You save time, receive multiple options tailored to your circumstances, and increase the chance of finding a suitable lender — especially for niche or specialist funding needs.

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Commercial Finance Options We Can Help You Explore

We introduce businesses to lenders and brokers across a wide product range. Typical products include:

Commercial Mortgages & Property Finance

For buying or refinancing commercial premises, shops, offices, warehouses or mixed‑use blocks. Typical sizes: from £50,000 to multi‑million. Terms commonly 5–25 years with options for interest‑only or repayment schedules aligned to rental income.

Bridging Loans

Short‑term finance to bridge timing gaps (e.g., purchase before long‑term funding completes). Typical sizes: £50,000 to several million. Terms: days to 12 months. Ideal when speed is crucial.

Development Finance

Funding for ground‑up construction and refurbishment projects. Usually staged drawdowns linked to build milestones. Typical lending sizes: from c.£100k upwards depending on project scale. Lenders assess GDV (gross development value) and project costs.

Asset & Equipment Finance

Purchase or lease of machinery, vehicles, IT or specialist equipment. Options include hire purchase, finance lease, and asset refinance. Typical sizes: £10,000 upwards with flexible terms tied to asset life.

Invoice & Receivables Finance

Unlock cash tied up in unpaid invoices via factoring or invoice discounting. Ideal for businesses with slow payers or significant B2B receivables. Facilities can scale as turnover grows.

Working Capital & Cashflow Loans

Unsecured or secured facilities to smooth day‑to‑day cashflow, manage seasonal peaks or support growth. Loan sizes vary from £10,000 upwards.

Trade, Stock & VAT Funding

Short‑term facilities to fund stock purchases, overseas trade or tax liabilities (VAT/tax bridging). Structures and eligibility vary by provider.

Eligibility Criteria & Information You’ll Need

Each lender has different criteria, but commonly requested information includes:

• Company details (registered company name, number, trading address)
• Recent management accounts and up to 3 years’ filed accounts where available
• Bank statements (typically 3–6 months)
• Details of directors and their credit history
• Property valuations or asset details if offering security
• Project costs, forecasts and exit strategy for development funding

We can match businesses with limited trading history to suitable specialist lenders or bridging solutions, but accurate information speeds up the process.

Why Choose Fast Business Loans for Commercial Funding?

• Wide panel of UK lenders and brokers with sector experience.
• Fast, free and no‑obligation matching — you only proceed if you want to.
• Matched introductions increase relevance and reduce unnecessary credit checks.
• Data handled securely and shared only with relevant partners.
• Support across many sectors including property, construction, manufacturing and hospitality.

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Commercial Finance for Every Sector

Our partners specialise in funding across many industries. Examples:

Property & Construction

Development finance, commercial mortgages and bridging for project completion and acquisitions.

Manufacturing & Engineering

Asset finance for machinery, working capital for orders and trade finance.

Hospitality & Leisure

Fit‑out funding, working capital for seasonal turnover, refurbishment and acquisition finance.

Retail & E‑commerce

Stock finance, invoice finance and equipment funding for expansion.

We can also introduce you to lenders who focus on sustainability projects and green upgrades.

How to Prepare for a Successful Commercial Finance Application

1. Define exactly what you need the money for and how it will be repaid.
2. Gather company accounts, bank statements and VAT returns where relevant.
3. Prepare clear project costs and forecasts for development or CAPEX requests.
4. Be ready to discuss security available (property, equipment) and any previous funding history.
5. Respond promptly to lender requests to keep momentum.

A clear, well‑documented enquiry helps brokers provide accurate and faster quotes.

Costs, Fees & Our Commitment to Clear Communication

Our service is free for business owners to use. Lenders and brokers will outline interest rates, arrangement fees, broker fees and any early repayment penalties — these must be disclosed to you before you commit.

Fast Business Loans is an introducer; we do not charge businesses for matching. Any fees charged come from the lender or broker and are disclosed in their terms.

Commercial Finance FAQs

What loan amounts can I access?

Through our partners, most businesses can access funding from £10,000 up to several million pounds depending on product and security.

How fast can commercial finance complete?

Speed depends on the product. Bridging can complete within days; standard commercial mortgages and development finance often take several weeks to finalise due to due diligence and valuations.

Will my credit score be affected?

Completing our enquiry form does not affect your credit. Lenders or brokers may run credit checks later with your permission as part of underwriting.

Do I need property as security?

Not always. Asset, invoice and unsecured working capital options exist, but secured lending (e.g., commercial mortgages) typically requires property or other collateral.

Can I apply if I was declined elsewhere?

Yes. Because our panel includes niche and specialist providers, they may consider cases mainstream lenders declined. Every lender has different risk appetites.

Are terms and rates fixed?

Rates and fees vary by lender and borrower circumstances. Brokers will present options and ensure fees are disclosed before you commit.

Ready to Explore Your Commercial Finance Options?

If your business needs funding from £10,000 and up — whether for property, development, equipment or working capital — start with a short enquiry and we’ll match you to the most suitable lenders and brokers.

Get Started – Free Eligibility Check

Fast Business Loans is an introducer of finance and does not provide loans or financial advice. All funding is subject to lender/broker assessment and terms.

Additional Resources

• UK Government business finance guidance: gov.uk – Business finance support
• Read more about specialised commercial funding: commercial finance

– Is Fast Business Loans a lender?
No — we’re an introducer that connects UK businesses with trusted lenders and brokers; we don’t lend money or provide financial advice.

– What types of commercial finance can I compare?
You can compare commercial mortgages, development finance, bridging loans, asset and equipment finance, invoice finance, working capital/cashflow loans, and trade/stock/VAT funding.

– How much can I borrow?
Our partners typically offer funding from £10,000 up to multi‑million‑pound facilities, depending on the product, security and eligibility.

– How quickly will I hear back and how long does funding take?
Most enquiries receive contact within one business day, with bridging loans sometimes completing in days and commercial mortgages or development finance often taking several weeks due to valuations and due diligence.

– Will submitting an enquiry affect my credit score?
No — the enquiry form does not impact your credit score, and any lender credit checks happen later with your consent.

– Is the enquiry form a loan application?
No — it’s a quick information form used to match your business with suitable UK lenders or brokers, with no obligation to proceed.

– Do you charge any fees, and how are rates shown?
Our matching service is free for businesses, and lenders/brokers will disclose all interest rates, arrangement fees and any broker fees before you commit.

– Do I need property or collateral to get finance?
Not always — while commercial mortgages and development funding are usually secured, options like unsecured working capital, asset finance and invoice finance may not require property as security.

– Can you help start-ups or firms declined elsewhere?
Yes — our panel includes specialist UK providers who consider start‑ups and cases declined by mainstream banks, subject to assessment.

– What documents will lenders typically ask for?
Expect to provide company details, recent accounts, 3–6 months’ bank statements, director information/credit history, and where relevant property or asset details plus project costs and exit strategy.