Fast Business Loans Without a Personal Guarantee: Guide

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Our Business Finance Matching Process

Step 1

Complete Your Details

It takes just 1 minute on average to complete your business and contact details.

Step 2

We Match Your Business

With the best business finance broker or lender most suitable for your needs.

Step 3

You Get Free Quote + Advice

You receive a free quote along with complimentary expert financial advice.

It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.

Commercial Finance Solutions for UK Businesses

Summary: Fast Business Loans helps UK companies access commercial finance from £10,000 upwards by introducing them to specialist lenders and brokers. We are not a lender — our free, no‑obligation enquiry lets you compare suitable commercial finance options quickly while protecting your credit record. Complete a Free Eligibility Check to get matched to lenders who understand your sector and funding need.

What is commercial finance — and how does it work today?

Commercial finance covers lending and facilities designed for businesses and commercial property owners rather than personal borrowing. Typical categories include commercial mortgages, bridging loans, development finance, invoice and asset-based lending, equipment and vehicle finance, and working capital facilities.

Today, the UK market is diverse: specialist lenders, mainstream banks and finance houses each focus on different sectors and deal sizes. Matching the right lender to your business profile, security and timescale is essential — terms, lending multiples and fees vary and will depend on the lender’s assessment of risk.

Our Business Finance Matching Process

Step 1

Complete Your Details

It takes just 1 minute on average to complete your business and contact details.

Step 2

We Match Your Business

With the best business finance broker or lender most suitable for your needs.

Step 3

You Get Free Quote + Advice

You receive a free quote along with complimentary expert financial advice.

It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.

Fast Business Loans acts as an introducer: you submit a short enquiry and we match your details to brokers and lenders who are most likely to consider your case. This is an introduction, not an application — it helps save time and reduce unsuitable approaches.

Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote

Why compare commercial finance with Fast Business Loans?

Time-saving matching engine

Rather than contacting dozens of lenders, our quick form lets us target the handful of providers that specialise in your sector and deal size, saving you hours of research.

Trusted lender & broker panel

We work with an experienced panel of UK finance brokers and lenders who regularly fund commercial transactions. We select partners who have proven experience across property, development, bridging and asset finance.

Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote

Transparent, no‑obligation process

Submitting an enquiry is free and carries no obligation. Our initial eligibility checks are soft and do not affect your credit file — formal credit checks only occur if you decide to proceed with a lender.

Free Eligibility Check — takes under two minutes.

Types of commercial finance we help you explore

We connect businesses with brokers and lenders that specialise in a range of commercial finance solutions. Fast Business Loans does not provide advice or funding directly — we introduce you to providers who may be able to help.

Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote

Commercial mortgages & property acquisition

For purchases of shops, offices, warehouses or mixed-use property. Typical facility sizes often start from around £50,000 and can extend into multi‑million pound facilities depending on the property and borrower profile. Lenders usually assess loan-to-value, rental income and business cashflow.

Commercial bridging loans

Short-term finance to bridge a timing gap (e.g., buy now, refinance later). Bridging can be fast but tends to cost more than long-term mortgages and often requires a clear exit plan.

Development finance

Funding for new build or refurbishment projects, released in stages as work completes. Lenders look for feasibility, experience, projected values and adequate security.

Asset-based lending & invoice finance

Release cash tied up in invoices, stock or machinery. Useful for smoothing working capital for established businesses; facility size depends on the value of the assets and the lender’s advance rates.

Our Business Finance Matching Process

Step 1

Complete Your Details

It takes just 1 minute on average to complete your business and contact details.

Step 2

We Match Your Business

With the best business finance broker or lender most suitable for your needs.

Step 3

You Get Free Quote + Advice

You receive a free quote along with complimentary expert financial advice.

It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.

Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote

Our Business Finance Matching Process

Step 1

Complete Your Details

It takes just 1 minute on average to complete your business and contact details.

Step 2

We Match Your Business

With the best business finance broker or lender most suitable for your needs.

Step 3

You Get Free Quote + Advice

You receive a free quote along with complimentary expert financial advice.

It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.

Business expansion & working capital loans

Term loans or revolving facilities to support growth, stock purchases, or seasonal working capital. Loan sizes and terms vary by lender.

For a broader overview of options and when each is appropriate, read our commercial finance guidance on commercial finance.

Discuss Commercial Finance Options

Eligibility snapshot: what lenders commonly consider

  • Trading history and annual turnover
  • Purpose of the funding and projected use of proceeds
  • Security or collateral available (property, assets)
  • Credit history for the company and directors
  • Experience of directors/team (especially for development projects)
  • Feasibility of the business plan or project

Free Eligibility Check — Get Matched

How our 4-step introduction process works

  1. Quick enquiry: You complete a short form with basic business details, funding amount (from £10,000) and contact info.
  2. Matching: We match your case to one or more brokers/lenders who specialise in your sector and funding need.
  3. Rapid response: Partners typically contact you within hours or on the next business day to discuss terms and next steps.
  4. Compare and decide: Review offers, ask questions, and choose whether to proceed. Formal offers and credit checks are managed by the lender or broker.

Response times vary by provider but many cases see initial contact within a working day.

Sectors we support with commercial finance connections

Our panel includes lenders familiar with sector-specific risks and opportunities. We commonly introduce lenders for:

  • Construction & property services
  • Hospitality, pubs and restaurants
  • Manufacturing & engineering
  • Healthcare & care homes
  • Agriculture & farming
  • Retail & e-commerce
  • Logistics, transport & fleet finance
  • Sustainability and energy-efficiency projects

If your industry is specialist, complete our short form and we’ll connect you to partners with relevant experience.

Need sector-specific insight? Get Started

Compare funding strategies: searching yourself vs Fast Business Loans

Going direct aloneFast Business Loans matchmaking
Time-consuming research across many lendersTargeted introductions to lenders who fit your profile
Higher risk of unsuitable rate quotes or wasted applicationsBetter chance of relevant offers from experienced lenders
Possible repeated hard credit searchesInitial soft eligibility checks reduce credit impact
You negotiate directly with unfamiliar lendersIntroductions often include brokers who can negotiate terms

Costs, fees & responsible borrowing

Fast Business Loans’ matching service is free to use. Lenders and brokers may charge arrangement, valuation or broker fees; these should be disclosed before you sign any agreement. Facility rates, arrangement fees and exit costs vary by product and lender.

Always assess affordability and the total cost of borrowing. If you are unsure, consider seeking independent professional advice before committing to a facility.

For impartial guidance on business borrowing, you can consult government resources such as GOV.UK business finance guidance.

Real-world outcomes: typical scenarios we see

1. Commercial purchase and refinance

An investor needed bridging to complete a commercial purchase quickly; after completion the introducer matched them to a lender able to provide a longer-term mortgage, reducing monthly costs.

2. Asset finance for manufacturing

A manufacturer upgraded machinery via an asset finance facility sourced through a specialist broker, preserving working capital while improving production capacity.

3. Blended facilities for hospitality refurbishment

A small chain combined an invoice finance line with a term loan for refurbishments. Matching to lenders experienced in hospitality helped achieve a workable repayment profile.

These examples are anonymised and for illustration only — outcomes depend on lender underwriting and the specifics of each case.

Your commercial finance questions answered

Are you a lender or broker?

No. Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not provide funding directly.

Will submitting an enquiry affect our credit score?

No — our initial eligibility check is soft and does not leave a mark on your business credit file. Lenders may perform formal credit checks later if you choose to proceed.

What loan sizes can your partners consider?

We commonly handle enquiries from £10,000 upwards. Many partners consider facilities from around £50,000 to several million pounds depending on the product.

How fast can commercial finance complete?

Timescales vary: bridging can complete in days to weeks, term mortgages and development finance often take longer. Your matched lender will provide an estimated timeline.

What documents should we prepare?

Typical documents include company accounts, management accounts, business plan or project appraisals, proof of identity for directors, and details of security/assets. Requirements vary by lender.

Ready to explore commercial finance?

If you need funding from £10,000 or more, completing a short enquiry is the fastest way to see which lenders or brokers may be able to help. We’ll match you to partners with relevant experience so you can compare options quickly — there’s no cost and no obligation.

Get Quote Now — Free Eligibility Check

What to have ready: business name, turnover, estimated funding requirement and a contact number. That’s enough for us to start matching you.

Important information & disclaimers

Fast Business Loans is an introducer; we do not lend. Submitting an enquiry is not an application and does not guarantee funding. Funding decisions and terms are made by the lenders and brokers you are introduced to and will depend on their assessment of your business. Always review the terms and consider independent financial advice where appropriate.

1) What is Fast Business Loans — are you a lender or broker?
Fast Business Loans is an introducer that matches UK businesses with vetted commercial finance brokers and lenders; we do not lend or provide financial advice.

2) Will submitting an enquiry affect my credit score?
No — our initial eligibility check is a soft search that won’t impact your credit file, with any hard checks only carried out by a lender if you decide to proceed.

3) Is the enquiry a loan application or any obligation to proceed?
No — the enquiry simply gathers information so we can introduce you to suitable providers, and there’s no obligation to take a facility.

4) What types of business finance can you help me find?
We introduce options including commercial mortgages, bridging finance, development finance, asset‑based lending, invoice finance, equipment and vehicle finance, and working capital loans.

5) How much can I borrow through your partners?
Our panel typically considers facilities from £10,000 up to multi‑million pound funding, subject to lender assessment and security.

6) How quickly can funding be arranged?
Bridging and working capital facilities can complete in days to weeks, while commercial mortgages and development finance usually take longer due to underwriting, valuation and legal processes.

7) What do lenders look for when assessing eligibility?
Lenders commonly assess trading history, turnover, credit profile, funding purpose, available security or collateral, management experience, and the feasibility of your plan or project.

8) What documents should I prepare?
Be ready with company accounts or management figures, ID for directors, details of security/assets, and a business plan or project appraisal.

9) Do you charge fees, and what costs might apply?
Our matching service is free for businesses, but lenders or brokers may charge arrangement, valuation or broker fees which are disclosed before you sign.

10) Do you help start‑ups and specific sectors across the UK?
Yes — we serve UK businesses nationwide and match start‑ups and established SMEs to partners experienced in sectors like property, hospitality, manufacturing, healthcare, agriculture, retail and more.

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