Commercial Finance for UK Businesses

Summary: Commercial finance covers property, development, bridging, asset and large-scale business funding. Fast Business Loans does not lend money; we match UK limited companies and established businesses seeking loans of £10,000+ with the brokers and lenders most likely to help. Use our free, no-obligation eligibility check to get tailored introductions and fast quotes. Get Started – Free Eligibility Check

Why businesses rely on commercial finance

Commercial finance helps businesses fund major activity beyond everyday working capital. Typical uses include:

• Buying or refinancing commercial property (offices, warehouses, retail units)
• Property development and bridging between purchase and refinance
• Expanding premises, fit-outs and site acquisitions
• Buying plant, machinery and vehicle fleets via asset finance
• Refinancing expensive debt to improve cash flow
• Large-scale investments such as sustainability projects or new production lines

Sectors that commonly use commercial finance include construction, manufacturing, logistics, hospitality, property development and retail. If your business needs funding from £10,000 upwards, we can help connect you to the right providers. Free Eligibility Check

How Fast Business Loans helps you secure the right commercial finance

We learn about your business

Start with a short enquiry: business basics, funding amount and purpose, and contact details. The form takes minutes to complete and does not affect your credit file. This information helps us find partners who understand your sector and capital needs.

Instant matching with trusted brokers & lenders

We match your enquiry to lenders and specialist brokers in our UK network who best fit your circumstances. Our partners cover a wide range of commercial products and are used to dealing with the documentation and security requirements these loans typically involve.

Compare offers and decide with confidence

Introductions are free and carry no obligation. You’ll receive direct contact from lenders or brokers with quotes and next steps. Compare interest rates, fees, security and terms before you decide. When you’re ready, providers will conduct any required credit or property valuations.

Get Your Commercial Finance Options

Commercial finance products we can help you explore

We introduce you to brokers and lenders who offer a broad range of commercial finance solutions. Below is an overview of common products — each has different suitability and eligibility rules, so use our quick enquiry to see which is most relevant to you.

Commercial mortgages

Longer-term loans for buying or refinancing business property. Typical features: fixed or variable rates, loan-to-value (LTV) limits, and security against the property. Terms often range from 5–25 years depending on the lender.

Bridging finance & development loans

Short-term funding to bridge a purchase, renovate property or fund construction before longer-term refinance or sale. These are speed-focused solutions with higher costs than mortgages but fast turnaround when timing matters.

Commercial investment finance

Finance for purchasing investment properties or expanding a property portfolio. Lenders assess rental income, yield and borrower experience.

Business expansion & working capital loans

Medium-term loans to support growth projects, inventory purchase, or payroll. Can be secured or unsecured depending on loan size and credit profile.

Asset & equipment finance

Leasing, hire purchase or asset-backed loans to acquire machinery, vehicles or specialist equipment while conserving working capital.

Invoice & cashflow solutions

Factoring, invoice discounting and revolving credit facilitate cashflow by unlocking funds tied up in unpaid invoices.

Specialist sector finance

Funding for sustainability projects (solar, heat pumps), hospitality refurbishments, agricultural equipment and other industry-specific needs.

Check Your Commercial Finance Eligibility

Is commercial finance right for your business?

Commercial finance is often appropriate when a clear return on investment or essential business need exists. Consider these scenarios:

• You need premises to grow or secure a leasehold location.
• You’re a developer requiring short-term funding to complete a scheme.
• You plan equipment purchases that increase production or reduce costs.
• You want to refinance high-cost debt to improve cash flow.

Mini checklist — think about these before enquiring:

• Purpose and exact amount required (loans start from £10,000)
• How the repayment will be met from revenue, rent, or sale proceeds
• What security you can offer (property, equipment, debentures)
• Recent management accounts and director credit histories

The bottom line: if the funding will materially support business growth or value preservation, it’s worth exploring options. Get Quote Now

Eligibility snapshot: what lenders usually look for

Note: criteria vary by lender and product. An enquiry is not an application and does not guarantee approval. Start My Free Commercial Finance Search

Transparent process, no surprises

Your data is handled securely and only shared with relevant partners. We don’t charge businesses to be introduced. After you submit an enquiry:

• We shortlist appropriate lenders/brokers from our panel
• Partners contact you directly to discuss terms and documentation
• You compare offers, ask questions and decide whether to proceed

We aim to make responses fast — many businesses receive initial contact within hours during business days. Get Started – Free Eligibility Check

Success snapshot: commercial finance in action

Why UK businesses choose Fast Business Loans

• Specialist matching — we connect you to partners experienced in your sector
• Fast, simple process — short enquiry, quick introductions
• No cost to businesses — our service is free with no obligation
• No credit footprint at enquiry stage — initial checks are non-invasive
• Clear communication — you deal directly with lenders/brokers for quotes and terms

For an introduction to a wide range of commercial options including mortgages, bridging and development finance, visit our commercial finance hub: commercial finance.

Step-by-step: submit your commercial finance enquiry

1. Click the enquiry link: Get Matched with Commercial Finance Specialists
2. Complete the short form (business details, amount, purpose) — under 2 minutes
3. We match your request and send introductions to suitable partners
4. Receive calls/emails with quotes; compare and decide whether to proceed

Key considerations before you proceed

Important: Consider affordability, the total cost of borrowing (interest, arrangement and exit fees), and what security you are prepared to offer. For complex transactions such as development finance or large property purchases, obtain independent professional advice from an accountant or solicitor where necessary. Responsible borrowing protects your business and directors.

FAQs: commercial finance with Fast Business Loans

What’s the difference between commercial finance and a standard business loan?

Commercial finance usually refers to larger, often secured facilities for property and major investments. Standard business loans are typically used for routine working capital and can be unsecured for smaller amounts.

How quickly can I access funds after being matched?

Timing depends on product complexity and documentation. Some lenders offer bridging funds in days; typical mortgages and development loans can take several weeks. Your match will advise realistic timelines.

Do I need property as security?

Many commercial products require security (property or assets). Some lenders offer unsecured or partially secured solutions for smaller sums, but secured facilities usually provide more choice and lower cost for larger loan sizes.

Will submitting an enquiry affect my credit score?

No — the initial enquiry is a soft eligibility check and won’t appear on credit reports. Lenders or brokers may perform formal credit searches later if you choose to proceed.

What documents should I have ready?

Commonly requested items include recent management accounts, bank statements, details of the property or assets, director ID and addresses, and a brief business plan or project outline for development finance.

Are your partners experienced with my industry?

We work with brokers and lenders who specialise in many UK industries — construction, manufacturing, hospitality, logistics and more. Our matching aims to connect you with partners that understand your sector.

Get a Free Commercial Finance Quote Now

Ready to explore your commercial finance options?

If you need funding of £10,000 or more for property, development, equipment or growth, start with a quick, free enquiry. We’ll match you with brokers and lenders who are best placed to help — there’s no obligation to proceed and no credit impact at this stage. Start Your Commercial Finance Enquiry

Fast Business Loans is an introducer that connects UK businesses with finance brokers and lenders. We do not provide loans or regulated financial advice. All introductions are made to partners who can offer products directly. Always read lender terms carefully and consider independent professional advice where appropriate.

– Are you a lender? No—Fast Business Loans is an introducer that matches UK businesses with trusted brokers and lenders; our service is free and there’s no obligation to proceed.

– What types of commercial finance can you help me access? We connect you with providers of commercial mortgages, bridging and development finance, asset and equipment finance, invoice finance, and working capital/business expansion loans.

– What loan amounts are available? Our partners typically arrange facilities from around £10,000 to several million pounds, depending on the product and your circumstances.

– Will submitting an enquiry affect my credit score? No—the quick eligibility check is a soft enquiry with no credit footprint; formal credit searches only occur if you choose to proceed with a lender.

– How fast can I get funding? You’ll usually hear from a broker or lender within hours, with bridging sometimes funding in days and mortgages/development loans typically taking weeks subject to valuation and legals.

– Do I need security or collateral? Many commercial facilities are secured against property or assets, while some smaller loans can be unsecured but may come at a higher cost.

– What documents will I need? Common requests include recent management accounts, bank statements, director ID and addresses, details of the property or assets, and for developments a project plan and exit strategy.

– Can you help if I’m a start-up or have adverse credit? Yes—while options may be more limited, our panel includes specialists who consider early-stage businesses and applicants with imperfect credit.

– Do you support sole traders as well as limited companies? We primarily match UK limited companies and established businesses, but some partners may consider other structures depending on the product and risk profile.

– What costs should I expect? Our introductions are free, but lender costs can include interest, arrangement, valuation and legal/exit fees—always compare quotes and total cost before proceeding.