Commercial Finance for UK Businesses: Compare Options Fast

Summary: If your company needs funding of £10,000 or more for property, plant, working capital, refinancing or growth, Fast Business Loans can quickly match you with specialist lenders and brokers. We don’t lend or give financial advice — we introduce your business to carefully selected finance partners so you can compare realistic options without affecting your credit score. Ready to explore tailored options? Get Started – Free Eligibility Check.

What is commercial finance & how we help

Commercial finance covers funding solutions designed for businesses — for example, property purchase/refinance, development or bridging loans, working capital, asset and equipment finance, invoice finance and refinance/debt consolidation. Fast Business Loans acts as an introducer: we collect a short set of business details and funding needs, then match you with lenders or brokers best placed to help. Completing our short enquiry will not impact your credit file. For a fast start, Free Eligibility Check.

Learn more about the forms of commercial finance available on our dedicated commercial finance page.

Why commercial finance matters for UK businesses

• Rising input costs and tight margins mean many firms need working capital to manage cashflow spikes.
• Property and development opportunities are time-sensitive — quick access to funding can secure deals.
• Technology and equipment upgrades are critical for competitiveness; asset finance spreads cost and preserves cash.

If you need capital quickly or want to understand how different products might suit your strategy, Get Quote Now and we’ll match you to specialists who can help.

How our commercial finance matching service works

1. Complete a short enquiry: basic business details, amount required and purpose (under 2 minutes).
2. We match you: our system and specialists select brokers/lenders with relevant experience for your sector and need.
3. Rapid response: a partner will typically contact you by phone or email to discuss options and next steps.
4. Compare & decide: you review offers and choose whether to proceed; lenders handle applications and checks.

Submitting an enquiry is free and won’t affect your credit score. Start Your Commercial Finance Enquiry.

Commercial finance solutions we can connect you with

Our panel covers a wide range of commercial products. The right solution depends on purpose, security and time horizon.

Compare Commercial Finance Options in minutes — tell us what you need and we’ll match you to the right specialists.

Eligibility snapshot: what lenders commonly look for

• Minimum funding requirement: typically £10,000 and above.
• Time trading: many lenders prefer an established trading history (often 12+ months), though specialist partners support newer companies.
• Turnover & profitability: lenders assess ability to repay and business cashflow.
• Security: property or assets can improve terms, though unsecured options exist for smaller amounts.
• Credit profile: lenders review company and director records; each lender has different thresholds.

Not sure if you qualify? Check Eligibility Now and we’ll match you to partners suited to your profile.

What information to have ready

Preparing these documents speeds the process; the enquiry form itself only asks for basics.

• Latest management accounts or management pack
• Bank statements (typically 3–6 months)
• Business plan or project appraisal for development/property finance
• Details of security (property deeds, asset invoices)
• Company registration and ID for directors

Submit Your Enquiry – Less Than 2 Minutes.

Commercial finance support across UK sectors

We connect businesses across many industries with lenders who understand their market:

• Construction & trades
• Hospitality, pubs, restaurants and leisure
• Healthcare and dental clinics
• Logistics, transport & fleet operators
• Manufacturing & engineering
• Retail and e‑commerce
• Agriculture and food production

Want a specialist who knows your sector? Speak to a Sector Specialist.

Understanding commercial finance costs & terms

Costs vary widely by product, size, security and credit risk. As a general guide only:

• Large secured commercial mortgages: rates can start in the low single digits for strong borrowers and security.
• Asset finance: often priced as a lease or fixed rate across the asset term.
• Invoice finance and working capital: fees and effective rates vary by advance levels and invoice risk.
• Bridging and specialist short-term finance: higher cost reflecting speed and risk; rates can be materially above longer-term loans.

All rates, fees and APRs are set by lenders. Fast Business Loans introduces you to providers so you can get personalised quotes and compare total cost. Request Personalised Rate Estimates.

How quickly could you access commercial funding?

Typical timelines (indicative):

• Bridging finance: as fast as a few days to a few weeks (depending on valuation/legal work).
• Asset finance: often completed in 1–3 weeks for standard equipment deals.
• Commercial mortgages and development finance: usually 4–12 weeks due to valuations and legal processes.

Factors that can delay funding include property valuations, legal searches, planning issues and missing documentation. Fast-Track My Enquiry.

Success snapshot (representative example)

Example: A regional construction firm needed £350,000 to bridge a contract payment and buy materials. Challenge: tight timescale and limited cash reserves. Solution: Fast Business Loans matched the firm to a specialist bridging lender and an experienced broker. Result: offer accepted and funds issued in 10 days, enabling the contract to complete and profit to be preserved.

“Matched fast — funds in time to keep the project on track.”

See Your Options – Free Quote.

Why UK businesses choose Fast Business Loans

• Fast matching to lenders and brokers who understand your sector.
• Free to use with no obligation — you decide whether to proceed.
• Short enquiry, no initial credit impact.
• Secure handling of your information and straightforward process.

We don’t lend or provide regulated financial advice — we introduce you to specialists who can. Put Us to Work – Start Your Enquiry.

What happens after you submit an enquiry?

• Immediate matching: we select appropriate partners and share the enquiry.
• Partner contact: a broker or lender will call or email to explore options.
• Application & checks: lenders carry out underwriting and any credit checks (with your consent).
• Offer & completion: you receive offers, choose the best fit, and the selected lender manages completion.

There’s no obligation — introductions simply help you see real options faster. Complete the Enquiry Form.

Important information

• Fast Business Loans is an introducer — we do not lend and we do not provide financial advice. We connect businesses with lenders and brokers who can provide products and advice.
• Submitting an enquiry will not affect your credit score. Lenders may perform credit checks later if you decide to proceed.
• Rates, fees and terms are provided by lenders and brokers; always review affordability and full terms before entering an agreement.
• Your personal and business data is handled in accordance with our Privacy Policy and Terms & Conditions.

Ready to explore finance solutions? Get My Commercial Finance Quote.

Commercial Finance FAQs

What counts as commercial finance in the UK?

Commercial finance refers to funding products designed for businesses rather than personal borrowing. Common examples include commercial mortgages, bridging and development loans, asset and equipment finance, invoice finance and working capital facilities. Each product suits different purposes — our matching helps you find the right route.

Can newer companies access commercial lending?

Yes. Some lenders and specialist funds focus on newer or growing companies, often assessing business plans, projected cashflows and available security rather than lengthy trading history. We’ll match you to partners who consider your stage of growth.

Will submitting an enquiry affect our credit rating?

No. Completing Fast Business Loans’ enquiry form does not trigger a credit search. Lenders may perform credit checks at the application stage if you decide to proceed and you give permission.

How quickly can bridging finance be arranged?

Bridging finance is one of the fastest forms of property funding and can be arranged in days to a few weeks, depending on valuation, legal work and documentation. Our partners can advise on realistic timelines based on your case.

Do I need property as security for commercial finance?

Not always. Some products (asset finance, invoice finance, unsecured business loans) may not require property security. However, having security often improves the size and cost of the facility for larger sums.

What lender fees should I expect?

Fees vary — common costs include arrangement fees, valuation/legal costs for property finance, broker fees, and early repayment charges on some products. Always request a full schedule of fees from any lender or broker you speak to.

Can we refinance existing commercial loans?

Yes. Many businesses refinance to secure better rates, extend terms, consolidate multiple facilities, or release equity. We can introduce you to brokers who specialise in commercial refinance.

What documents will brokers typically ask for?

Typical requests include management accounts, business bank statements (3–6 months), company accounts, ID for directors, details of security and a business plan or project costs for development finance. Providing these early helps speed decisions.

Discuss Your Commercial Finance Needs – Enquire Now

Ready to compare commercial finance deals?

Get matched quickly to lenders and brokers who can help your business secure the funding it needs — from £10,000 upwards. It takes less than 2 minutes to complete our short form and there’s no cost or obligation.

Get My Commercial Finance Quote

Published by Fast Business Loans — Commercial Finance Specialist. Information updated: 01 November 2025. Fast Business Loans is an introducer and does not offer loans or regulated financial advice.

– Q: Are you a lender and is the enquiry an application?
A: We are an introducer, not a lender, and the short form is an initial enquiry (not a loan application) used to match you with suitable UK lenders and brokers.

– Q: Will submitting an enquiry affect my credit score?
A: No—our free eligibility check won’t impact your credit score; any credit searches happen later by a lender with your consent.

– Q: What types of commercial finance can I compare?
A: You can compare commercial mortgages, bridging and development finance, asset and equipment finance, invoice finance, working capital facilities and refinance/consolidation.

– Q: What’s the minimum and maximum I can borrow?
A: Our partners typically fund from £10,000 up to £5m+ depending on product, security and your business profile.

– Q: How quickly can I get business finance?
A: Indicatively, bridging can complete in days to a few weeks, asset finance in 1–3 weeks, and commercial mortgages or development funding in 4–12 weeks.

– Q: What are typical rates and fees for commercial finance?
A: Costs vary by risk and security, with large secured loans starting in low single‑digit rates and short‑term bridging priced higher, plus any arrangement, valuation, legal and broker fees.

– Q: What are the basic eligibility criteria?
A: Lenders commonly look for at least £10k funding need, trading history (often 12+ months), affordability and cashflow, acceptable credit profiles and, where relevant, security.

– Q: Do I need property or other assets as security?
A: Not always—unsecured options exist and products like asset or invoice finance rely on the asset or invoices, though providing property or assets can improve terms and amounts.

– Q: What happens after I submit the enquiry form?
A: After matching, a lender or broker will contact you to discuss options, gather documents and underwriting info, then present offers you can accept or decline with no obligation.

– Q: Does your service cost anything to use?
A: Using Fast Business Loans is free for business owners, and you only pay any lender or broker fees disclosed in their quotes.