Commercial Finance: Fast Access to UK Lenders & Brokers

Summary: Fast Business Loans helps UK limited companies and small-to-medium enterprises find suitable commercial finance from £10,000 upwards. We don’t lend or advise — we match your business to lenders and brokers who can provide tailored terms for property, development, asset, working capital and refinancing needs. Complete a short, no-obligation enquiry and get matched quickly for a free eligibility check: Get Started — Free Eligibility Check.

Commercial Finance at a Glance

“Commercial finance” covers funding for business assets and projects where the scale or purpose sits beyond day-to-day working capital. Typical uses include property purchases, development and bridging, large equipment, refinancing existing facilities and major investments.

• Suitable for limited companies, SMEs and growing businesses (not sole traders).
• Typical facility sizes we can help with: from £10,000 to multi‑million pound transactions.
• Products include secured and unsecured loans, bridging, development finance, asset & invoice finance, and refinancing.

Start your enquiry — it takes under 2 minutes and is free: Free Eligibility Check.

Why UK Businesses Are Securing Commercial Finance Now

Market drivers pushing businesses to seek commercial finance include inflationary pressures on working capital, an active property and development market in certain regions, demand for green upgrades, and the need to refinance or restructure existing debt to improve cashflow.

How Fast Business Loans Supports Your Commercial Finance Journey

We act as a fast, impartial introducer — not a lender or adviser. Our role is to match your enquiry with the most relevant lenders and brokers from our panel so you get a quick, appropriate response.

1. Complete a short enquiry form with basic business details and funding needs.
2. We match you to lenders/brokers experienced in your sector and need.
3. A matched partner contacts you to discuss options and next steps.
4. Compare proposals and choose the one that fits — no obligation to proceed.

Get Matched to Brokers — Start My Free Check

Commercial Finance Solutions We Can Introduce You To

Below are the main solutions our partners provide. Terms and availability vary by provider and business profile.

Commercial loans (secured & unsecured)

• Use: property purchase, expansion, consolidation.
• Typical amounts/terms: £10,000 to several million; secured loans usually offer lower rates but require collateral.
• Who it suits: established companies with predictable cashflows or suitable security.

Development & bridging finance

• Use: short-term funding for property development or to bridge settlement gaps.
• Typical amounts/terms: short-term (weeks to 24 months), higher rates than long-term mortgages.
• Who it suits: property developers, investors needing rapid access to funds.

Check my eligibility now

Asset & equipment finance

• Use: buy machinery, vehicles, IT or specialist equipment.
• Typical amounts/terms: flexible leases or hire-purchase over equipment life; structured to match cashflow.
• Who it suits: manufacturing, engineering, transport, healthcare providers.

Invoice & receivables finance

• Use: unlock cash tied up in unpaid invoices to smooth working capital.
• Typical amounts/terms: facility based on % of invoices; fee/interest driven by risk.
• Who it suits: businesses with long payment terms or rapid growth.

Refinance & consolidation

• Use: restructure existing borrowing to reduce monthly cost or improve covenant headroom.
• Who it suits: businesses with multiple facilities or high-cost short-term debt.

Rates and terms vary; all offers depend on lender assessment and affordability checks. For more detail on property-related funding see our commercial finance resource on commercial finance.

Eligibility Snapshot: What Lenders Often Look For

See which lenders align with your profile

Documents & Information to Prepare Before Applying

Having the right documents ready speeds up responses and increases the accuracy of matches.

• Latest filed accounts and management accounts (if available).
• Business bank statements (typically three to six months).
• Cashflow forecasts or project budgets for development finance.
• Details of existing debt and monthly repayments.
• Company registration and director details, including ID for KYC.
• Property or asset details (valuations, purchase contracts) if offering security.

Be truthful and complete — lenders rely on accurate information to produce realistic offers.

Industry Expertise Across UK Sectors

Our panel covers a broad range of industries. Common sectors we introduce finance for include:

• Construction & subcontracting
• Hospitality, pubs and leisure
• Healthcare and medical practices
• Manufacturing & engineering
• Logistics & transport
• Sustainability and renewable projects

Talk to sector-aligned finance partners

Understanding Costs, Rates & Repayment Structures

Pricing depends on multiple factors: lender type, security, term length, business risk, and macroeconomic conditions. Common cost elements include:

• Interest: fixed or variable, quoted as annual percentage rates (APR) or lender-specific rates.
• Arrangement fees: one-off fees charged by lenders or brokers.
• Valuation, legal and exit fees for secured facilities.
• Early repayment charges — check terms if you may refinance later.

Fast Business Loans is an introducer. Actual quotes, rates and terms come directly from lenders/brokers after they assess your business. Request tailored terms today.

What Happens After You Submit an Enquiry?

1. Confirmation email with reference and privacy summary.
2. Matching: we select suitable partners and pass your enquiry.
3. Response: you’ll usually hear from a matched broker or lender by phone or email within hours or a few working days depending on complexity.
4. Proposal comparison and next steps: you receive proposals, decide whether to proceed; any formal application is between you and the provider.

Your enquiry is free and no obligation. We only share your details with partners relevant to your request and in line with our privacy policy.

Why UK Firms Choose Fast Business Loans

• Speed — quick matching to providers who can act fast.
• Time saving — no need to contact dozens of lenders individually.
• Sector expertise — better chance of being matched to a partner who understands your industry.
• Free to use — no charge for businesses to submit an enquiry.
• Transparent — clear process and no obligation to proceed with any offer.

Get Your Commercial Finance Options

Responsible Finance & Compliance Commitment

Fast Business Loans acts solely as an introducer — we do not provide regulated financial advice and we do not lend. We promote clear, fair and not misleading information so businesses can make informed choices. All finance is subject to status, affordability and provider assessment. For details on how we handle data, please see our Privacy Policy.

Frequently Asked Questions

Does submitting an enquiry affect my credit score?

No — an initial enquiry via our platform does not affect your credit score. Providers may run credit checks only if you choose to progress with a specific application.

What minimum or maximum finance amounts can you introduce me to?

We typically handle enquiries for facilities from £10,000 upwards. Our panel includes providers who can support multi‑million pound requirements depending on your needs and profile.

Do you charge businesses to use the service?

No — our service is free for businesses. We receive payment from partners for qualified introductions.

Can I apply if I’ve had adverse credit?

Yes. Because we work with a wide panel, some matched partners specialise in cases where credit history is imperfect. Eligibility depends on lender criteria and the overall business proposition.

How quickly can funds be drawn once approved?

Timelines vary by product — bridging and invoice finance can provide funds within days once terms are agreed; development or large commercial mortgages can take weeks to months due to valuations and legal work.

Start My Free Eligibility Check

Resources & Next Steps

If you’re ready to explore commercial finance options, complete our short enquiry form — it takes less than two minutes. We’ll match you to lenders and brokers who can provide tailored quotes and guide you through the next steps.

Ready to explore finance solutions? Get started now.

Fast Business Loans is a trading style of Fast Business Loans Ltd, acting solely as an introducer. We do not provide financial advice or lend money. All finance is subject to status, affordability and provider terms. Terms and conditions apply.

– Who is eligible to use Fast Business Loans for commercial finance?
We introduce UK limited companies and SMEs (not sole traders), including some start-ups where asset or invoice finance or security is suitable.

– What loan sizes can I access?
Our partners typically offer facilities from £10,000 up to multi‑million‑pound transactions, subject to product and eligibility.

– Does submitting an enquiry affect my credit score?
No—your initial enquiry doesn’t affect your credit score; checks only happen if you proceed with a specific lender or broker.

– How quickly will I hear back and how soon could funds be available?
Most enquiries receive an initial response within hours, and funding can be as quick as days for bridging or invoice finance and longer for large secured deals due to valuations and legal work.

– Do you charge any fees to businesses?
No—the service is free for businesses, with any lender or broker fees (e.g., arrangement, valuation, legal or exit fees) disclosed by the provider.

– Is the enquiry form a loan application?
No—it’s a quick, no‑obligation information request used to match you with suitable brokers and lenders, not a formal loan application.

– What types of finance can you connect me with?
We match you to secured and unsecured commercial loans, development and bridging finance, asset and equipment finance, invoice finance, and refinancing or consolidation.

– What documents should I prepare before applying?
Prepare recent accounts and bank statements, cashflow forecasts or project budgets, details of existing debt, director IDs, and any asset or property documents.

– Can I get funding with adverse credit or limited trading history?
Yes—some panel lenders consider imperfect credit or shorter trading histories, particularly where security or asset‑backed facilities are available.

– Will I need security or a personal guarantee?
Many commercial facilities require property or asset security and may include personal guarantees, which can help secure better pricing depending on risk.