Fast, targeted introductions to small business finance

Accessing business finance can be time-consuming and confusing. Fast Business Loans does one thing: we introduce UK businesses to the lenders and brokers best placed to help. We don’t lend or provide regulated advice — we match your enquiry with partners who can assess your needs and provide tailored quotes.

• Fast matching with lenders/brokers who know your industry
• Free, no-obligation enquiry — not a loan application
• Enquiry will not affect your credit score

Get Your Free Eligibility Check

How our small business loan matching works

1. Complete a short enquiry — tell us about your company, funding amount (we typically introduce loans from £10,000 and upwards), and purpose. It takes around 2 minutes.
2. We match you — your details are shared securely with selected lenders and brokers who specialise in your sector and funding type.
3. Receive responses — matched partners will contact you by phone or email to discuss options or request documents. This is where formal checks may happen if you choose to proceed.
4. Compare and decide — review offers, ask questions and pick the solution that suits your business. We remain an introducer; any contract is directly with the lender or broker.

Each step is confidential and obligation-free. Get Quote Now to begin.

What are small business loans?

Small business loans are commercial finance products provided to companies to support working capital, growth, asset purchases, premises, or refinancing. They differ from personal loans in purpose, underwriting and the possibility of using business assets or guarantees as security.

Loans may be:

• Unsecured — no business asset pledged, typically for smaller sums or shorter terms.
• Secured — backed by property, equipment or other business assets; allows larger amounts or longer terms.

Uses include working capital, expansion, buying machinery or vehicles, fit-outs, stock and bridging short-term cash gaps.

Loan types we can introduce you to

Unsecured small business loans

Quick to arrange when approved and useful for short-to-medium term working capital. Ideal for businesses with strong cashflow and clean credit histories.

Secured loans & asset-backed funding

Using property or assets as security often unlocks higher amounts and longer terms. Suitable for property purchase, major investment or refinance.

Merchant cash advance / revenue-based finance

Repayments linked to card sales or revenue. Good for seasonal businesses with variable takings but usually costlier than traditional loans.

Invoice finance & factoring

Release cash tied up in unpaid invoices. Two main styles: invoice discounting (confidential) and factoring (credit control often handled by funder).

Asset & equipment finance

Finance for machinery, vehicles or specialist kit. Options include hire purchase, lease purchase, and operating leases.

Short-term working capital loans (including bridging)

Fast-access facilities to bridge temporary cashflow gaps — useful for payroll, stock purchases or urgent supplier payments.

Rates, fees and terms vary by lender and business profile. Our partners set pricing; we help you find the appropriate panel to get realistic offers quickly.

If you’d like tailored guidance, Get Your Free Eligibility Check.

Who we help

We introduce funding partners for limited companies and incorporated SMEs across sectors including construction, hospitality, manufacturing, logistics, healthcare and retail. We also support franchisors, family businesses and established startups seeking business finance.

Typical lending partners expect a minimum trading history depending on product — often from 6 months upwards — although criteria vary by lender.

Eligibility & what lenders typically look for

Lenders assess each case individually, but common criteria include:

• Trading history and sector
• Annual turnover and margin stability
• Cashflow and management accounts
• Business and director credit profile
• Security available (if required) and existing debt commitments

Documents to gather

• Recent business bank statements (usually 3–6 months)
• Management accounts and/or VAT returns
• Details of existing finance and any security
• Identification and proof of address for directors

What if you have credit blemishes?

Past adverse credit doesn’t automatically exclude you. Many lenders and specialist brokers assess overall business strength, not just credit history. Our matching aims to connect you with partners experienced in complex or adverse credit cases.

Remember: submitting an enquiry is a soft action and does not affect your credit file. If you proceed with a lender, they may perform hard searches as part of due diligence.

Costs, interest rates & repayments explained

Lenders charge interest rates (expressed as APR for consumer products but often as a rate or margin for commercial finance), arrangement fees, and sometimes exit or early repayment fees. Exact costs depend on lender, loan size, term and the security offered.

Illustrative example (for guidance only): a £50,000 loan over 3 years at a nominal rate of 9% could produce monthly repayments around £1,597 — total repaid c. £57,492. This is only illustrative; your matched lender will provide exact figures and full cost breakdowns.

Always review the lender’s full terms and fees before accepting an offer.

Why use Fast Business Loans instead of approaching lenders directly?

• We save you time by narrowing the market to lenders and brokers who specialise in your needs.
• We increase your chances of a suitable match by considering sector fit and product suitability.
• Our service is free and obligation-free to you — we’re paid by partners when an introduced lead results in funded business.
• We prioritise transparency: we explain next steps and what to expect from lenders.

Example: an anonymised café owner was matched with a specialist hospitality lender and secured a £50k working capital facility in under 10 days.

Get Matched with Trusted Lenders

How to prepare before you submit an enquiry

Having the right information ready speeds up the process:

• Decide the amount you need and the purpose of funds
• Gather bank statements, management accounts and VAT returns
• Prepare a simple cashflow forecast or plan for the funds
• Know what assets you could offer as security (if applicable)
• Be ready to explain any previous credit issues honestly

When you’re ready, Start Your 2-Minute Enquiry.

Common questions about small business loans

How quickly can I receive funding?

After submitting an enquiry, lenders typically respond within hours to a day. Funding times vary by product — some short-term facilities can complete in 24–72 hours, while secured or larger loans may take several weeks for valuation and legal processes.

What loan amounts are available?

Our partners specialise in loans from around £10,000 upwards. Upper limits depend on security, turnover and lender appetite.

Will applying through Fast Business Loans affect my credit score?

No. Completing our enquiry form is a soft introduction and does not impact your credit file. Lenders may carry out hard credit checks later if you apply formally.

Do you charge to use the service?

No. Fast Business Loans’ service is free to business owners. We receive commission from lenders or brokers after a successful funding outcome.

What happens after I submit the enquiry form?

Your information is securely shared with matched partners who will contact you to discuss options and request any additional documents. This is still an obligation-free stage; only when you accept an offer will formal agreements follow.

Free Eligibility Check — Get Started

Next steps — get started in minutes

1. Complete our short enquiry form (2 minutes).
2. We match you with lenders/brokers suited to your needs.
3. Receive and compare quotes; ask questions of lenders.
4. Select the best offer and progress to formal application with the lender or broker.

There’s no cost and no obligation to proceed. To begin, click below:

Get Your Free Eligibility Check

Fast Business Loans is an introducer; we do not lend or provide regulated financial advice. Any loan offer is subject to lender approval and terms. Submitting an enquiry will not affect your credit score; lenders may run credit checks if you proceed. We organise loans from £10,000 and value upwards. Your information will be handled securely and shared only with selected partners relevant to your enquiry.