Commercial Finance: Fast, Simple Connections to Trusted UK Lenders and Brokers

Running a company is hard work. Securing the right funding shouldn’t be. Fast Business Loans connects UK limited companies and LLPs with trusted commercial finance brokers and lenders who understand your sector and your goals. It’s free to use and there’s no obligation to proceed. Share a few details and get a fast response with options you can compare.

• Get Quote Now
• Free Eligibility Check
• Start Your Enquiry (takes less than 2 minutes)

What Is Commercial Finance?

Commercial finance is a broad range of funding solutions designed for businesses. Whether you’re managing cash flow, buying equipment, financing a project, acquiring premises, or refinancing existing borrowing, the right facility can help you move faster and with more confidence.

Key benefits:

• Match funding type to your specific use case and sector
• Compare options quickly without hours of research
• Increase approval chances by speaking to specialists
• Get clear terms from professional UK lenders and brokers

Free Eligibility Check • Get Started

Types of Commercial Finance We Can Connect You To

We match you with brokers and lenders who offer a wide range of UK business funding options. Typical products include:

Unsecured Business Loans

• Flexible working capital for growth, inventory, payroll, or marketing
• Usually no physical collateral; personal guarantees may be required
• Streamlined processes for eligible companies
• Typical amounts from £10,000+

Secured Business Loans

• Potentially larger facilities and better pricing where security is offered
• Security may include property, equipment, or other business assets
• Structured to fit cash flow and investment plans

Commercial Mortgages

• Purchase, refinance, or release equity from commercial property
• Owner-occupied or investment property options
• Longer terms and competitive rates subject to eligibility

Bridging Finance

• Short-term funding to bridge gaps, such as purchase before sale completes
• Often secured on property; availability and costs vary by case and exit plan
• Time-sensitive cases can be prioritised where possible

Development Finance

• Ground-up builds, refurbishments, and property conversions
• Stage drawdowns aligned to progress via monitoring surveyor valuations
• Facilities tailored to your schedule of works

Asset Finance

• Spread the cost of machinery, plant, vehicles, or technology
• Hire purchase, finance lease, and operating lease options
• Support modernisation without heavy upfront costs

Equipment Finance

• Finance for sector-specific equipment (manufacturing, catering, healthcare, IT and more)
• New or used equipment depending on lender policy
• Preserve working capital while upgrading capability

Invoice Finance

• Unlock cash tied up in unpaid invoices to support cash flow
• Factoring and invoice discounting options; facility scales with turnover
• Useful for companies with long payment terms from customers

Trade and Import Finance

• Fund supplier payments and purchase orders to fulfil contracts
• Bridge the gap between order and payment
• Useful for growing companies with lumpy cash cycles

Merchant Cash Advance

• Repay via a small percentage of daily card takings
• Useful for sectors with strong card turnover
• Typical amounts from £10,000+, subject to card revenue

Refinance and Consolidation

• Restructure existing borrowing to improve monthly cash flow
• Replace multiple facilities with one manageable arrangement where suitable
• Potentially reduce overall cost of finance

Not sure which one fits? Tell us about your goals and we’ll connect you with partners who will explain your options in plain English.

Get Started • Free Eligibility Check

Who Is Commercial Finance For?

We support a wide range of UK companies, including:

• Limited companies and LLPs seeking growth capital
• Newly incorporated companies looking for early working capital (eligibility varies)
• Construction and contracting businesses scaling projects
• Hospitality, retail, logistics, manufacturing, healthcare and more

If you’re UK-based and need between £10,000 and £5 million or more, we can help you reach the right professionals to explore what’s possible.

How Fast Business Loans Works (Simple, No Obligation)

1. Complete a quick enquiry form
   Share basic business details, your funding amount, and contact info.
2. We match you with suitable partners
   We connect you with UK brokers and lenders who understand your sector and requirements.
3. Receive a rapid response
   Expect a call or email to discuss options. There’s no obligation to proceed.
4. Compare, decide, and fund
   Review terms and choose the best fit for your goals.

• Get Quote Now
• Start Your Enquiry

Why Use Fast Business Loans for Commercial Finance?

• Speed and simplicity: One simple form; quick connection to suitable partners
• Sector expertise: Partners experienced in your industry and funding type
• Free to use: No fee to business owners and directors for submitting an enquiry
• No obligation: You stay in control—compare options and only proceed if you’re happy
• Transparent and secure: Your details are protected and only shared with relevant partners
• UK focus: We prioritise verified UK-based brokers and lenders

Costs, Rates, and Terms: What to Expect

Exact rates and terms vary based on your business profile, funding type, amount, security, sector, and credit history. Typically:

• Interest rates: Determined by risk profile, security, and product type
• Fees: May include arrangement, broker, valuation, or legal fees depending on product and provider
• Repayment terms: From short-term bridging to longer-term commercial mortgages
• Security: Some products are unsecured while others require security or a personal guarantee

There’s no one-size-fits-all quote. Our role is to connect you with professionals who will outline costs clearly and provide full documentation before you decide.

Important:

• Your enquiry with Fast Business Loans does not affect your credit score. If you choose to proceed, partners may carry out credit checks.
• Late or missed payments can negatively impact your credit profile and may incur charges.
• For secured borrowing, your asset or property may be at risk if you do not keep up repayments.

Free Eligibility Check • Get Started

Eligibility and Documents: What Lenders Commonly Look For

Eligibility varies, but typical factors include:

• UK registration (limited company or LLP) and trading activity
• Turnover, profitability, and cash flow trends
• Trading history (newly formed companies considered by some partners)
• Credit profile and any CCJs or arrears
• Security available (if applicable)
• Directors’ experience and track record

Useful documents:

• Last 6–12 months’ business bank statements
• Management accounts and filed accounts
• Aged debtors/creditors (for invoice finance)
• Asset list and valuations (for asset-based lending)
• Property details (for mortgages/bridging/development)
• Business plan, contracts, or pipeline (case dependent)

Common Use Cases by Industry

Construction and Building Services

• Working capital for labour and materials
• Asset finance for plant and machinery
• Bridging or development finance for property projects

Hospitality and Leisure

• Refurbishments, fit-outs, equipment upgrades
• Seasonal cash flow support
• Merchant cash advances for card-heavy turnover

Retail and E‑Commerce

• Stock finance and inventory ramp-ups
• Equipment and vehicle finance for fulfilment
• Short-term working capital for marketing pushes

Technology and IT Services

• Equipment finance for hardware and networking
• Working capital for project delivery and staffing
• Cashflow loans to smooth billing cycles

Agriculture and Manufacturing

• Tractors, machinery, and production equipment
• Modernisation and energy-efficiency upgrades
• Invoice finance for supply chain stability

Healthcare and Care Providers

• Clinic or care setting fit-outs
• Medical equipment finance
• Working capital for staffing and growth

Logistics and Transport

• Vehicle and fleet finance
• Warehouse equipment and racking
• Bridging finance for time-sensitive opportunities

Sustainability and Green Projects

• Renewable energy installations (e.g., solar PV)
• Heat pumps, EV chargers, and building efficiency
• Green asset finance and specialist facilities

Get Quote Now • Free Eligibility Check

Responsible Finance, Transparency, and Compliance

• We are not a lender and we do not provide financial advice. We act as an introducer to UK brokers and lenders.
• All financial promotions should be clear, fair, and not misleading. We aim to provide balanced information so you can make informed decisions.
• Using our service is free for business owners and directors. If you proceed with a lender or broker we introduce, we may receive an introducer fee. This does not influence which partners we connect you to.
• Your details are handled securely and only shared with relevant partners for your enquiry.

Realistic Timelines: How Fast Can Funding Land?

Timeframes depend on product type and complexity:

• Unsecured loans and merchant cash advances: sometimes days if documentation is ready
• Invoice finance and asset finance: often days to a couple of weeks
• Bridging and commercial mortgages: typically a few weeks, depending on valuations and legal work
• Development finance: longer lead times due to due diligence and staged drawdowns

If speed is critical, mention this in your enquiry—partners can prioritise accordingly where possible.

Get Quote Now • Free Eligibility Check

FAQs: Commercial Finance with Fast Business Loans

Q1) Are you a lender?
No. We connect UK companies with trusted brokers and lenders.

Q2) Does it cost me to use this service?
No. It’s free for business owners and directors to submit an enquiry.

Q3) Will my credit score be affected?
Your enquiry does not affect your credit score. If you choose to proceed, partners may perform credit checks.

Q4) How quickly will I hear from someone?
Often within hours during business days—sometimes sooner.

Q5) What loan amounts are available?
Partners may help with funding from around £10,000 up to £5 million+ subject to eligibility and product type.

Q6) Do you support start-ups?
Yes, some partners consider newly incorporated limited companies. Provide as much info as possible (business plan, pipeline, experience).

Q7) Can you help if I’ve been declined elsewhere?
Yes. Because we connect you to a wide panel, you may still be eligible with another provider.

Q8) What documents will I need?
Bank statements, accounts/management accounts, ID, and any sector/product-specific documents (e.g., property details, invoices, equipment quotes).

Q9) Do you arrange government‑backed schemes?
Where applicable, some partners may offer or introduce government-backed facilities. Availability and criteria change over time.

Q10) Is funding guaranteed?
No. All finance is subject to eligibility, underwriting, and lender approval.

• Start Your Enquiry
• Get Quote Now

About This Page

This page was prepared by the Fast Business Loans editorial team, drawing on experience connecting UK companies with finance professionals across sectors including construction, hospitality, retail, logistics, manufacturing, healthcare, sustainability, and more. It is for general information only and is not financial advice. Always review product documentation and consider professional advice where appropriate.

Helpful links: Business Loans • Invoice Finance • Asset Finance • Equipment Finance • Cashflow Loans • Sustainability Business Loans

Footer compliance note: Fast Business Loans is not a lender and does not provide financial advice. We act as an introducer to UK finance brokers and lenders. Your enquiry is free and without obligation. If you choose to proceed with a provider, we may receive a fee from them. Eligibility, rates, and terms depend on your circumstances and the product. Late or missed payments may incur charges and impact your credit profile. For secured borrowing, your property or assets may be at risk if you do not keep up repayments. Always review full documentation and consider professional advice where appropriate.

1) What is Fast Business Loans and how does it work?
Fast Business Loans is a free UK service that matches your enquiry to trusted lenders and brokers via a quick online form, so you can compare suitable finance options fast.

2) Are you a direct lender?
No—Fast Business Loans isn’t a lender; we’re an introducer connecting UK businesses with verified finance brokers and lenders.

3) Will submitting an enquiry affect my credit score?
No—your enquiry won’t affect your credit score, and any credit checks are only carried out by partners if you choose to proceed.

4) How quickly will I hear back after I apply?
You’ll typically receive a call or email within minutes to a few hours during business hours.

5) What types of business finance can I compare?
You can compare unsecured/secured business loans, cashflow loans, invoice finance, asset and equipment finance, vehicle finance, refinance, fit-out finance, and sustainability loans.

6) How much can I borrow for my business?
Our partners can help with funding from around £5,000 up to £5 million or more, depending on your circumstances.

7) Do you support start-ups and specific industries?
Yes—many partners support start-ups and sector-specific funding across construction, hospitality, healthcare, logistics, retail, sustainability projects, and more.

8) Are the lenders and brokers you connect me with regulated and trustworthy?
Yes—we only connect you with verified UK brokers and lenders who follow FCA guidelines and treat customers fairly.

9) Can I still apply if I’ve been declined elsewhere or have less-than-perfect credit?
Yes—because we work with a wide panel, you may still be eligible through another lender.

10) Does it cost anything to use your service, and am I obliged to proceed?
Our service is free for business owners and there’s no obligation to take any offer you’re matched with.