Commercial Finance for UK Businesses — Compare lenders fast

Summary: If your company needs funding of £10,000 or more — for property, growth, equipment or working capital — Fast Business Loans helps you quickly compare suitable commercial finance options. We don’t lend or give regulated advice; we match your business to lenders and brokers best placed to help. Complete a short, no-obligation enquiry and get connected to providers who will contact you with quotes. Get your Free Eligibility Check.

Why commercial finance matters right now

Access to the right commercial finance can be the difference between seizing an opportunity and losing it. Whether you need to buy or refurbish premises, fund a development, refinance existing debt or invest in plant and machinery, the right funding keeps operations moving and growth plans on track.

Current market drivers include rising costs of materials, demand for sustainability upgrades, and the need for flexible cashflow solutions as payment cycles stretch. A timely commercial finance solution can unlock working capital, release equity and let you act quickly when opportunities arise.

Free Eligibility Check — Get Quote Now (takes under 2 minutes and does not affect your credit score).

What counts as commercial finance?

Commercial finance covers lending and funding products designed for companies and their assets — typically from around £10,000 upwards. It differs from consumer credit because lenders look at business cashflow, asset security, property values, project viability and sector risk rather than personal income alone.

For a detailed overview of property-related solutions, see our commercial finance hub on commercial finance.

Key finance types — quick comparison

Property & mortgage-led facilities

Use cases: purchase of commercial premises, investment property, refinance. Terms and rates depend on property value, lease structure and borrower profile. Lenders typically require security and supporting valuation reports.

Asset-backed & equipment finance

Benefits: preserve cash, match repayments to asset life, often faster to arrange. Ideal for manufacturing, transport, hospitality and medical sectors where specific equipment is essential.

Cashflow & working capital solutions

Includes invoice finance, revolving credit and short-term loans. Designed to smooth day-to-day operations and bridge payment timing mismatches.

How Fast Business Loans simplifies commercial funding

Here’s how our free matching service works — designed to be quick and transparent:

• 1. Short enquiry: You tell us about your business, sector, funding need and contact details via a short form.
• 2. Intelligent match: We match you to lenders/brokers with the right appetite for your deal size and sector.
• 3. Rapid contact: A matched partner will typically call or email to discuss options and request paperwork if you want to proceed.
• 4. Compare offers: You receive lender illustrations and choose the best fit — there’s no obligation to accept.

We act as an introducer — not a lender — so you get access to a panel of experts without having to search multiple providers yourself. Start Your Commercial Finance Enquiry.

Matching you with the right commercial lenders

We match using these criteria:

• Deal type and size (from £10,000 upwards)
• Sector expertise and previous experience with similar transactions
• Credit appetite and turnaround speed
• Lender/broker track record and service model

Our partners include high-street lenders, specialist commercial lenders, and experienced brokers who regularly arrange complex or sector-specific deals.

Specialist sectors we cover

We commonly place enquiries for businesses in:

• Construction & contractors
• Hospitality, pubs, hotels and restaurants
• Healthcare clinics and care homes
• Manufacturing & engineering
• Transport, logistics and fleet
• Agriculture and food production
• Retail & e-commerce (premises, stock and fit-out)
• Sustainability & energy projects (solar, EV chargers, efficiency upgrades)

If your sector has specific paperwork or valuation needs, we’ll match you to partners who understand those sectoral quirks to improve your chance of a suitable offer.

Funding scenarios — quick case snapshots

• Building a new depot: Mid-sized logistics firm needed £450k development finance → matched to a development lender and broker; staged drawdowns kept the build on schedule and fleet operations uninterrupted.
• Fast equipment upgrade: Restaurant group wanted new kitchen equipment across three sites for £95k → asset finance quote approved in days with repayments matched to cashflow.
• Invoice finance to smooth peak season: Manufacturer with long payment terms unlocked working capital to hire temporary staff and fulfil a large order, avoiding a lost contract.

Eligibility & information checklist

Typical information lenders will ask for (have these ready to speed up responses):

• Company registration details and trading history
• Recent management accounts and bank statements
• Amount required and purpose of funds
• Details of any security available (property, assets)
• Details of existing borrowing and director/shareholder information

We can match a range of credit profiles — but each lender has its own criteria. Completing our short enquiry helps us identify the most appropriate partners quickly. Get Quote Now.

Costs, terms & what to expect

Indicative ranges only — actual rates and fees vary by lender, deal size and security:

• Interest rates: depend on product and credit profile (from competitively priced commercial mortgage rates to higher-cost bridging loans)
• Fees: arrangement, valuation, legal and broker fees may apply — these are disclosed by the lender/broker before you agree.
• Terms: from short-term bridging (weeks/months) to long-term mortgages (5–25 years) or asset finance matched to asset life.

Responsible borrowing & compliance

Fast Business Loans introduces you to lenders and brokers — we do not provide regulated financial advice. You should review full terms from any lender, consider independent professional advice where appropriate, and ensure the proposed facility is affordable for your business. Lenders may require security and/or personal guarantees.

Step-by-step — start your enquiry today

1. Click Get Started — Free Eligibility Check and complete the short form
2. We match your enquiry to suitable lenders/brokers
3. A partner contacts you to discuss options and next steps
4. Compare offers and decide which one to progress — no obligation

Takes under 2 minutes to submit. Your enquiry is not an application and will not affect your credit rating. Start Your Commercial Finance Enquiry.

FAQs: Commercial finance with Fast Business Loans

Will submitting an enquiry commit me to a loan?

No. Submitting our enquiry form is free and no-obligation. Matched lenders or brokers will contact you to discuss options — you decide whether to proceed.

How quickly will I hear back?

Typically within a few working hours during business days. Response times depend on the partner’s workload and the complexity of the request.

What’s the minimum loan size?

Our partners generally arrange commercial funding from around £10,000 and upwards; many provide facilities into the millions depending on the product.

Do you run a credit check when I enquire?

No. Completing our enquiry does not affect your credit score. Lenders may perform checks later with your consent if you apply.

I was refused elsewhere — can you still help?

Possibly. We work with a wide panel including specialist lenders that consider a variety of credit profiles. Provide honest details in your enquiry so we can match you appropriately.

Are there fees for using Fast Business Loans?

Our matching service is free for business owners. Any fees from brokers or lenders will be disclosed to you by the provider before you accept any offer.

Important information & disclaimers

Fast Business Loans is an introducer that connects businesses with lenders and brokers; we do not lend money or provide regulated financial advice. All funding is subject to the lender’s approval, terms and conditions. Offers, rates and eligibility depend on individual circumstances. Lenders may request security and personal guarantees. Always read the provider’s terms and consider independent advice if necessary.

Ready to compare commercial lenders? Get Quote Now — Free Eligibility Check (no obligation, takes under 2 minutes).

Fast Business Loans — connecting UK businesses with trusted lenders and brokers to find the right commercial finance, fast.

1) Is Fast Business Loans a lender?
No—Fast Business Loans is an introducer that connects UK businesses with vetted brokers and lenders and does not lend or provide regulated financial advice.

2) Will submitting an enquiry affect my credit score?
No—your enquiry is not a loan application and won’t affect your credit score, though lenders may run checks later with your consent.

3) What types of commercial finance can you help me find?
We match you with providers for commercial mortgages, development and bridging finance, asset and equipment finance, invoice finance and working capital facilities.

4) What loan amounts are available?
Our partners typically consider commercial finance from around £10,000 upwards, with larger facilities available depending on the deal.

5) How quickly can I get a response or funding?
You’ll usually hear from a matched partner within hours, with some facilities completing in days (e.g., bridging or asset finance) and property mortgages taking longer.

6) What are the typical interest rates and terms?
Rates and terms depend on product, security and credit profile—from short-term bridging to 5–25 year commercial mortgages—and will be confirmed by the lender before you proceed.

7) Do you charge any fees or is there any obligation?
Our matching service is free and no-obligation, and any broker or lender fees will be disclosed by the provider before you accept an offer.

8) What information will I need to provide?
Be ready with company details, trading history, recent accounts and bank statements, the funding amount and purpose, available security, and details of existing borrowing.

9) Will I need security or a personal guarantee?
Many commercial facilities are secured against property or assets and may require personal guarantees, depending on the lender and product.

10) Can you help if I’ve been declined elsewhere or operate in a specialist sector?
Yes—we work with a wide panel including specialist lenders and brokers experienced with varied credit profiles and sectors like construction, hospitality, healthcare, transport and more.