Commercial Finance for UK Businesses

Summary: Fast Business Loans helps UK businesses access commercial finance solutions by matching them, free of charge and with no obligation, to suitable lenders and brokers. We introduce businesses seeking funding from £10,000 upwards to partners who specialise in commercial mortgages, bridging & development finance, asset and equipment finance, invoice and working capital facilities, and other commercial lending options. Complete a short enquiry for a Free Eligibility Check and we’ll connect you with the lenders and brokers best placed to help. Get Started — Free Eligibility Check

What is commercial finance & how it works

Commercial finance covers a broad range of funding solutions designed for companies, partnerships and limited businesses that need capital for property, expansion, working capital, equipment, or restructuring. Unlike plain consumer loans, commercial finance is tailored to business needs and often structured against business performance or assets.

At Fast Business Loans we do not provide finance or offer financial advice. Instead, we act as an introducer: you tell us what your business needs, we match you to trusted UK lenders and brokers who specialise in the solution you want, then those partners contact you directly with options and quotes. Submitting an enquiry is free and does not commit you to anything.

When businesses turn to commercial finance

• Buying or refinancing commercial property
• Funding a property development or refurbishment
• Bridging short-term gaps (e.g. planning to completion)
• Purchasing or leasing equipment, vehicles or machinery
• Managing seasonal cashflow or taking on a large contract
• Refinancing existing facilities to improve monthly cashflow

Why partner with Fast Business Loans for commercial finance?

• Save time: We shortlist lenders or brokers that match your sector and funding need.
• Access options: Our panel includes providers covering loans from £10,000 to multi-million-pound facilities.
• No-obligation: Free eligibility checks — you only proceed if you choose to.
• Sector expertise: We regularly connect construction, hospitality, retail, manufacturing, logistics, and property businesses with specialists.
• Confidential & secure: Your details are shared only with partners relevant to your enquiry.

Ready to explore your options? Get My Free Eligibility Check

Types of commercial finance we can introduce

Below are common commercial lending options our partners provide. Each has different uses, security and terms — we’ll match you to the right specialists.

Commercial Mortgages & Property Finance

Used for buying investment premises, owner-occupied units or refinancing. Lenders will consider rental income, business covenant and security. Typical sizes vary but many partners arrange loans from five figures into multi-million-pound facilities.

Want to learn more about specialist commercial lending options? See our detailed commercial finance overview here: commercial finance.

Get Quote Now — it only takes a couple of minutes to submit an enquiry.

The Fast Business Loans matching process

1. Quick Enquiry: Complete a short form with business basics and funding need. No credit check at enquiry stage.
2. Targeted Matching: We select lenders/brokers from our panel who best match your sector, loan size and security.
3. Rapid Response: Partners contact you directly with eligibility feedback, indicative terms and next steps.
4. Compare & Decide: Review offers and proceed with the provider you choose.

No obligation, and your enquiry won’t impact your credit score. Start your Free Eligibility Check.

Eligibility snapshot — who we work with

Our partners typically work with:

• Limited companies and partnerships (no sole trader products offered)
• Established businesses with trading history (many lenders accept 12+ months trading; some specialist partners assist newer firms)
• Turnover and credit requirements vary by product — lenders may consider turnover, profitability, sector risk and security available
• Businesses across construction, property development, retail, hospitality, manufacturing, logistics, professional services and more

If you’re unsure whether you meet lender criteria, submit a short enquiry and we’ll match you to partners who can assess your situation.

Preparing your commercial finance enquiry

Gathering these documents speeds up responses:

• Recent management accounts or filed accounts
• Bank statements (3–6 months)
• Details of the funding purpose and required amount
• Information on assets or property being offered as security
• Business plan or cashflow forecast for development or growth finance
• Director ID and recent credit history

Tip: have concise figures ready for turnover, monthly payroll, outstanding debts and desired term before you submit your enquiry.

Real-world commercial finance scenarios (anonymised)

Case study 1 — Retail fit-out & equipment (fast match)

A growing retail chain needed £120,000 to fit out two new stores and finance the initial stock. We matched them with an asset finance specialist and a short-term working capital lender. Within 48 hours they had two offers and completed with a hire purchase plan that preserved cashflow.

Case study 2 — Development bridging to refinance

A property developer needed short-term bridging to complete a conversion before refinance. We introduced them to development lenders experienced in planning-to-completion bridges. Funding was placed within two weeks and the project moved to a commercial mortgage on completion.

Costs, rates & repayment considerations

Commercial finance costs vary significantly by product, lender, security and business profile. Typical elements to expect:

• Interest rates (variable or fixed) — dependent on lender risk assessment
• Arrangement or broker fees — disclosed by the receiving lender or broker
• Valuation, legal and transaction fees for secured facilities
• Early repayment charges on some term loans or mortgages

We encourage you to compare offers and ask providers for a full breakdown of fees and representative examples. Fast Business Loans does not guarantee rates — details and final terms come directly from the lenders and brokers we introduce.

FAQs: Commercial finance with Fast Business Loans

Are you a lender?

No. Fast Business Loans introduces businesses to lenders and brokers. We do not provide loans or give regulated financial advice.

How quickly will I hear back?

Many partners respond within hours during business days. Complex development or high-value cases may take longer while documents are reviewed.

Will my credit score be affected?

Submitting our enquiry does not impact your credit score. Lenders may carry out credit checks later if you proceed with an application.

Do you handle adverse credit cases?

Yes. Our panel includes brokers experienced in helping businesses with varied credit histories. We’ll match you to partners most likely to help.

What’s the minimum loan size?

We typically introduce facilities from £10,000 upwards. Specific minimums depend on the product and lender.

Is your service free?

Yes — it’s free for businesses to submit an enquiry. We earn revenue when a partner pays for an introduction after you submit the enquiry.

Free Eligibility Check — Get Quote Now

Start your commercial finance enquiry

Fast Business Loans makes finding commercial finance simpler. Complete a short enquiry form (it takes less than two minutes) and we’ll match you with experienced lenders and brokers who can discuss tailored options for your business.

Your next step: Get Started — Free Eligibility Check

– What is commercial finance and how does it work?
Commercial finance is funding for UK businesses—such as commercial mortgages, bridging and development loans, asset and equipment finance, invoice finance and working capital—provided by specialist lenders based on your needs and security.

– Is Fast Business Loans a lender?
No—Fast Business Loans is an introducer that connects UK businesses with trusted lenders and brokers; we don’t lend money or give financial advice.

– Is the enquiry form a loan application?
No—the quick form is a free, no‑obligation eligibility check used to match you with suitable finance providers.

– Will submitting an enquiry affect my credit score?
No—your enquiry does not trigger a credit check, though partner lenders may run checks if you choose to proceed.

– How quickly can I get funding?
Many partners respond within hours and, with documents ready, some facilities can complete in days while larger property or development deals may take weeks.

– What loan amounts are available?
Our partners consider facilities from around £10,000 up to multi‑million‑pound commercial finance solutions, depending on product and security.

– What types of finance can you introduce me to?
We match businesses to commercial mortgages, bridging and development finance, asset and equipment finance, invoice finance, cashflow loans, and refinance options.

– Who is eligible to apply?
We typically work with UK limited companies and partnerships (not sole traders), usually with 12+ months’ trading, although some specialists may consider younger firms.

– Can you help if my business has adverse credit or was declined elsewhere?
Yes—our panel includes lenders and brokers experienced in supporting businesses with varied credit histories.

– What does your service cost and what fees should I expect?
Our matching service is free for businesses, while any interest, arrangement, valuation or legal fees are set and disclosed by the lender or broker you choose.