Quick summary

Fast Business Loans helps UK limited companies and SMEs access commercial finance from £10,000 upwards by introducing you to specialist brokers and lenders. We do not lend or provide regulated advice — we match your business with partners who can arrange commercial mortgages, development and bridging finance, asset and equipment finance, invoice finance and working capital facilities. Submit a short, no-obligation enquiry and receive a free eligibility check and rapid responses from matched providers.

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Hero: Why this matters

What is commercial finance?

Commercial finance covers a range of lending and funding solutions designed for business purposes rather than personal use. For UK businesses this typically includes finance for buying or refinancing commercial property, development and bridging finance, asset or equipment purchase, invoice and receivables funding, and working capital facilities to manage cash flow gaps.

Typical uses include property acquisition or refurbishment, funding construction or development projects, purchasing machinery or vehicles, bridging short-term gaps while completing a sale, and freeing up cash tied in outstanding invoices.

Important: we are an introducer — not a lender or regulated adviser. We connect you with brokers and lenders who will explain the products, terms and any regulatory disclosures.

How our commercial finance matching service works

Here’s how it works: quick, transparent and focused on getting you relevant options fast.

1. Submit a short enquiry — tell us about your company, funding amount (from £10,000), purpose and contact details. Submit Your Commercial Finance Enquiry.
2. We match you — our team matches your brief to the most appropriate lenders and brokers from our panel.
3. Partner contacts you — a broker or lender will call or email to discuss options and next steps.
4. Compare offers & decide — review facilities, ask questions, and choose the provider that best fits your commercial needs.

Response times vary by request, but many businesses hear back within hours during business days. Get Quote Now.

Types of commercial finance we can help you access

Commercial mortgages & property finance

Used for purchasing or refinancing commercial premises, shops, offices or industrial warehouses. Typical features: higher loan sizes (from tens of thousands upwards), longer terms (often 5–25 years), and security usually taken against the property. Rates and LTVs vary by lender and property type — lenders set terms based on your profile.

• Key highlights: suitable for freehold purchases, leasehold acquisitions, and refinancing existing loans.

Bridging loans & development finance

Short-term funding to bridge gaps (e.g., when buying before selling) or to fund property development projects. Decisions can be fast for well-packaged cases; terms are usually short and linked to project milestones.

• Key highlights: rapid decisions possible, usually short-term, suited to property developers and investors.

Asset & equipment finance

Finance to buy machinery, vehicles, IT or specialist equipment. Options include hire purchase, leasing and asset refinance. Facilities are often structured around the life of the asset.

• Key highlights: preserves working capital, tailored to asset life, available for new and used equipment.

Working capital & revolving facilities

Lines of credit and overdraft-style facilities for day-to-day cash flow. Typically used to smooth seasonality, support payroll or pay suppliers.

• Key highlights: flexible access, amounts set by turnover and lender appetite.

Invoice finance & receivables funding

Unlock cash tied up in unpaid invoices through factoring or invoice discounting. Useful where customers pay on long terms and you need liquidity.

• Key highlights: improves cash flow quickly, facility size based on receivables value.

Specialist sector finance

Funding tailored to sectors such as hospitality, healthcare, construction, manufacturing, logistics and sustainability projects (solar, EV infrastructure). Our partners have experience in niche requirements and can assess sector-specific risks and opportunities.

Is commercial finance right for your business?

Commercial finance is suitable when you need to invest in growth, acquire property, buy assets, bridge short-term cash needs or refinance existing facilities. Consider it if your business has a clear funding purpose, realistic repayment plan and the documentation to support lender due diligence.

Lenders will assess trading history, management experience, cash flow forecasts and security offered. Even businesses with complex credit histories can sometimes find suitable solutions through specialist brokers — that’s where a matched introduction helps.

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Preparing for a commercial finance application

Documents brokers usually request

• Recent company accounts (typically 2–3 years), management accounts
• Business bank statements (usually 3–6 months)
• Details of the funding purpose and any project costs
• Information on assets or security offered (property deeds, asset lists)
• ID and director details

Strengthening your proposal

• Prepare clear cash flow forecasts and a concise business plan.
• Be transparent on any past credit issues and explain mitigating factors.
• Outline realistic repayment sources and exit strategies for short-term facilities.

Common questions brokers may ask

• What is the funding amount and purpose?
• What security can you offer?
• How will repayments be made?

Providing accurate information speeds up broker review. Get Started — Free Eligibility Check

Costs, terms and what to expect

Costs vary by product and provider. Common charges include arrangement fees, valuations, legal fees and interest or facility fees. Pricing and terms are set by the broker/lender based on credit profile, security and facility structure — we do not quote rates.

Important to know: Fast Business Loans does not charge businesses for introductions. Any fees or disclosures will be provided by the broker or lender you engage with. Always review the provider’s full terms and regulated disclosures before committing.

Industries we regularly support with commercial finance

We commonly match businesses operating in:

Our partners include brokers experienced in sector-specific underwriting and lenders who understand niche collateral and cashflow profiles.

Why UK businesses choose Fast Business Loans

• Speed — fast matching saves days or weeks of searching.
• Wide panel — access to brokers and lenders covering many commercial products.
• No fee to businesses — our service is free to use.
• Clear process — short enquiry, quick match, direct contact from providers.
• Confidential and secure handling of business details.

Get Connected to a Commercial Finance Specialist

Success snapshot / use cases

Property developer — bridging and development finance
A developer needed short-term bridging to secure a purchase and staged development funding for a refurbishment. After a single enquiry, a specialist broker contacted the company within 24 hours and arranged staged funding to match the project timeline. Project moved forward without delaying the build schedule.

Manufacturing firm — asset finance
A manufacturer required new CNC equipment to expand capacity. Using our matching service they connected with a lender offering an asset-backed hire purchase facility sized to the machinery value and matched to expected depreciation — enabling immediate purchase and fast installation.

Frequently asked questions about commercial finance

What’s the difference between commercial finance and a standard business loan?

Commercial finance is an umbrella term for products designed for business needs — including commercial mortgages, development funding, asset finance and invoice finance. Standard business loans are one product type within that wider category.

How quickly can commercial funding be arranged?

Timescales vary: bridging or asset finance can sometimes be arranged in days, while large commercial mortgages or development facilities may take weeks. After you submit our enquiry, a matched broker will outline expected timelines for your case.

Will my credit score be affected by an initial enquiry?

No. Completing our enquiry does not trigger a credit search. Lenders may perform credit checks later with your consent if you choose to proceed.

Do you charge me for being introduced to a broker or lender?

Our service is free for UK businesses. We receive payment from partners when a facility completes; there is no charge to submit an enquiry or be matched.

How much can I borrow through commercial finance?

Available amounts depend on product and provider. We assist with facilities from around £10,000 upwards — many partners offer six-figure facilities and above depending on the business case and security.

Are the brokers and lenders on your panel qualified?

We select partners with experience in business lending. Any regulatory status, terms and disclosures will be provided by the broker or lender you speak to — please review those carefully.

Free Eligibility Check — Get Started

Getting started: commercial finance enquiry checklist

When you’re ready, have these to hand:

• Company name and registration number
• Trading history and turnover
• How much you need (from £10,000) and purpose
• Details of security or assets available
• Recent accounts and bank statements (if available)
• Best contact details and times to call

Even if you’re unsure about specifics, complete the short enquiry — brokers can help refine the request. Get Quote Now

Compliance & transparency statement

Fast Business Loans introduces businesses to brokers and lenders; we do not provide lending or regulated financial advice. Submitting an enquiry is non-binding and free. We share your details only with selected partners who can help with your request. Always read the full terms and regulatory disclosures provided by any broker or lender you speak to, and seek independent professional advice if you are unsure.

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Ready to explore commercial finance?

Fast Business Loans cuts the time and uncertainty out of finding commercial finance. Tell us briefly what you need and we’ll match you to brokers and lenders who can help — whether you want a quote for a commercial mortgage, development funding, asset finance or working capital.

Start Your Free Eligibility Check — Get Quote Now

Fast Business Loans is an introducer, not a lender. We do not give regulated financial advice. Completing the enquiry form does not affect your credit file.

Learn more about our commercial finance services: commercial finance.