Commercial Finance for UK Businesses – Compare Your Options Fast

Summary: Fast Business Loans helps UK businesses quickly find suitable commercial finance by matching enquiries to the right lenders and brokers. We do not lend money or provide financial advice; instead we introduce you to specialists who can. Complete a short, no-obligation enquiry to receive tailored commercial finance options from our panel — typically for facilities of £10,000 and above. Start with a Free Eligibility Check now: Get Started – Free Eligibility Check.

What is commercial finance and how can it help my business?

Commercial finance covers funding products designed for businesses rather than personal borrowing. It includes commercial mortgages, development and bridging finance, asset and equipment funding, invoice finance and working capital loans. Businesses use commercial finance for property purchases, expansions, major equipment, cash flow shortfalls, refinance and staged development draws.

Quick facts:

• Typical funding range we connect for: from £10,000 upwards (many partners handle multi‑million facilities).
• Common timelines: working capital and asset finance can be arranged within days; property and development lending often takes weeks.
• Enquiry impact: your initial enquiry is not an application and will not affect your credit file.

Want to see if you qualify? Free Eligibility Check.

Why UK businesses choose Fast Business Loans for commercial finance

A trusted introducer — we connect, we don’t lend

Fast Business Loans is a connector: we gather a few details and introduce your business to lenders or brokers who specialise in your sector or funding need. We do not provide finance ourselves or give regulated financial advice — our role is to save you time by finding the most relevant providers quickly.

Save time and increase approval confidence

Instead of contacting dozens of providers, complete one short enquiry and we’ll match you to lenders/brokers who are more likely to understand your case. Our matching increases the chance of receiving suitable quotes and reduces wasted applications.

Transparent, secure and tailored

Your data is shared only with selected partners suited to your enquiry. We prioritise clear communication: the enquiry is non-binding and entirely optional. Start the process with no obligation: Start My Free Enquiry.

Commercial finance solutions we can connect you with

We work with partners across a broad range of commercial products. Below is a quick comparison to help you focus on the right type of funding.

Good to know: lenders set their own lending criteria — loan sizes, LTVs and terms will vary. If you need property funding, read more about commercial property options on our commercial finance pillar page.

Ready to compare offers? Get Quote Now.

How our commercial finance matching process works

1. Share your funding goals — complete a short enquiry (usually under two minutes).
2. We match you — your details go to lenders/brokers who specialise in your sector and funding need.
3. Discuss options — partners contact you to clarify and provide indicative terms; you remain in control.
4. Decide & proceed — choose a provider and follow their application process.

Compliance note: Fast Business Loans does not give financial advice or make lending decisions. Any finance agreement is between you and the lender or broker you select.

Start Your Free Eligibility Check

Commercial finance for your sector

We commonly match businesses across many industries. Examples:

• Construction & Development — land, materials and staged funding.
• Hospitality & Leisure — refurbishments, property purchases.
• Manufacturing & Engineering — plant and machinery finance.
• Healthcare & Care Homes — property and specialised equipment.
• Retail & E‑commerce — stock finance, fit-outs, warehousing.
• Agriculture — machinery and land improvement finance.

Can’t see your sector listed? We work with brokers covering dozens of specialist industries — tell us your needs: Get Commercial Finance Options for My Industry.

Qualifying for commercial finance: what lenders look for

Lenders assess applications case-by-case. Typical factors include:

• Trading history and financial statements (management accounts or filed accounts).
• Profitability and cashflow forecasts.
• Security or deposit available for secured facilities.
• Director credit profiles and existing commitments.
• Project feasibility for development funding.

Note: meeting these points does not guarantee approval — final decisions rest with the lender. To check if your business is likely to qualify, start a Free Eligibility Check.

Commercial finance costs: rates, fees and terms

Costs depend on product, lender, security and business risk. Common charges you may encounter:

• Interest — fixed or variable, product-dependent.
• Arrangement fees — one-off fees for setting up the facility.
• Valuation and legal fees — especially for property-backed loans.
• Early repayment charges — may apply on some loan types.

Good practice: ask any broker or lender for a personalised illustration showing total costs before committing. Compare offers to find the best fit: Request a No-Obligation Quote.

Why act now? The benefits of early commercial finance planning

Getting funding lined up early gives you negotiating power when an opportunity appears — whether it’s a property purchase, equipment deal, or seasonal stock buy. Early match-making with a specialist broker can reduce delays and help you secure competitive terms faster than shopping around alone.

Start My Free Commercial Finance Check

Frequently asked questions

Is Fast Business Loans a lender?

No. We are an introducer that connects businesses with lenders and brokers.

Will submitting an enquiry affect my credit score?

No — completing our enquiry form is not a formal application and does not affect your credit profile. Lenders or brokers may run formal checks later if you choose to proceed.

What information will I need to provide?

Typical details include company name, turnover, time trading, funding amount required, purpose of funding and basic contact information.

How quickly can I receive finance?

Timescales vary: some working capital or asset facilities can be agreed in 24–72 hours; property and development finance can take several weeks depending on valuations, legal work and lender underwriting.

What loan sizes are available?

Our partners typically provide facilities from around £10,000 up to multi‑million pound facilities depending on product and security.

Do you charge businesses to use the service?

No. Fast Business Loans is free for business owners. Any broker or lender fees will be disclosed by the partner you choose.

Have another question? Ask Your Commercial Finance Question – Contact Us

Get started: free commercial finance eligibility check

Completing the short enquiry connects you to vetted lenders and brokers who can provide tailored quotes. It’s quick, free and non-binding — simply tell us your funding need and we’ll do the matching for you.

Ready to explore options? Start Your Free Eligibility Check or Request a Call from a Commercial Finance Specialist.

Fast Business Loans is an introducer service and does not lend money or provide regulated financial advice. Any finance is subject to status and lender terms. Your details will be shared only with selected lenders and brokers relevant to your enquiry. Consider independent advice if you are unsure whether a product is suitable for your business needs.

1) Is Fast Business Loans a lender or broker?
Fast Business Loans is an introducer that matches UK businesses with specialist lenders and brokers; we don’t lend money or provide financial advice.

2) Will submitting an enquiry affect my credit score?
No—our enquiry is a soft check that won’t impact your credit score; formal checks may occur only if you proceed with a lender or broker.

3) Is the enquiry form a loan application or binding commitment?
No—the enquiry simply shares information so we can match you with suitable providers, and there’s no obligation to proceed.

4) What types of commercial finance can you connect me with?
We connect UK businesses to commercial mortgages, development and bridging finance, asset and equipment finance, invoice finance, working capital loans (secured or unsecured) and refinancing solutions.

5) What loan amounts are available through your partners?
Facilities typically start from around £10,000 and can extend to multi‑million‑pound funding depending on the product and available security.

6) How quickly can I get business finance?
Working capital and asset finance can often be arranged within days, while property and development funding usually takes weeks due to valuations, legal work and lender underwriting.

7) What information do I need to start the process?
You’ll usually provide company details, time trading, turnover, the funding amount and purpose, plus basic contact information.

8) What do lenders look for when assessing eligibility?
Lenders commonly review trading history, accounts and cash flow, available security or deposit, director credit profiles and (for developments) project feasibility.

9) What costs and fees should I expect with commercial finance?
Costs vary by product and lender but may include interest, arrangement fees, valuation and legal fees, and possible early repayment charges.

10) Do you support my industry or sector?
Yes—we match businesses across many sectors including construction and development, hospitality, manufacturing, healthcare, retail and agriculture, among others.