Sustainability Business Loans: Fast, Simple Access to Green Finance

Investing in sustainability can cut costs, strengthen resilience, and help you meet customer and regulatory expectations — but it still needs funding. Fast Business Loans connects UK businesses with trusted lenders and brokers for sustainability business loans and green finance solutions, from solar PV and heat pumps to EV fleets and energy-efficient equipment.

• Free, no-obligation eligibility check
• No impact on your credit score to enquire
• Get matched with suitable lenders/brokers — often within hours

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What Are Sustainability Business Loans?

Sustainability business loans are funding solutions that help companies invest in projects that reduce environmental impact or support green growth. Typical uses include:

• Renewable energy: Solar PV, battery storage, wind, micro-CHP
• Energy efficiency: LED lighting, insulation, HVAC upgrades, building fabric improvements
• Low-carbon heating: Heat pumps, biomass, heat networks
• Transport and logistics: Electric vehicles (EVs), charging infrastructure, e-bikes, telematics, route optimisation tech
• Resource efficiency: Waste reduction, recycling equipment, water efficiency
• Green equipment and assets: High-efficiency machinery, refrigeration, chillers
• Clean technology: R&D, pilots, and commercialisation for sustainability-focused products/services
• Building upgrades: EPC improvements to meet MEES requirements in England and Wales (where applicable)

Fast Business Loans isn’t a lender and doesn’t give financial advice. We introduce you to UK brokers and lenders who understand green business finance and can make tailored offers for your needs.

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Types of Green Finance We Can Connect You With

Different projects suit different funding structures. Through our panel, you can compare options such as:

• Unsecured business loans: Flexible funding for smaller projects or quick upgrades. Typical terms 6–60 months. Personal guarantee may be required.
• Secured business loans: Larger amounts secured on assets or property for major capex or multi-site rollouts.
• Asset and equipment finance: Hire purchase or leasing for solar PV, EVs, charging points, refrigeration, and other plant/machinery.
• Invoice finance: Unlock cash tied up in receivables to fund sustainability investments without new debt on day one.
• Refinance: Consolidate or restructure existing borrowing to free up monthly cash for sustainability spend.
• Commercial vehicle finance: Loans/leases for EV vans, HGVs, forklifts, and fleet electrification.
• Fit-out finance: For energy-efficient refurbishments and sustainable shop/office fit-outs.
• Project-linked green loans: Where available, some lenders may offer preferential terms for verified green outcomes (availability and criteria vary).

Note: Product availability, rates, and terms depend on your business profile, credit history, project type, and security. Your broker/lender will provide specific terms.

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Who Sustainability Finance Is For

We commonly see strong demand from:

• Manufacturers improving energy-intensive processes
• Hospitality and leisure investing in HVAC, refrigeration, and lighting
• Warehousing, logistics, and transport electrifying fleets
• Retailers and offices upgrading buildings and EPC ratings
• Agriculture and food businesses adopting renewable energy and efficiency tech
• Contractors and building services companies financing low-carbon tools and vehicles
• Tech and cleantech firms scaling green innovations

If your project delivers measurable efficiency, environmental benefit, or compliance improvement, we’ll aim to connect you with lenders who understand it.

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Potential Benefits of Green Investment

• Lower energy bills: Cut OPEX with high-efficiency assets and on-site generation
• More stable cash flow: Reduce exposure to energy price volatility
• Improved EPC/MEES compliance: Support leasing and valuation outcomes (where applicable)
• Customer and tender wins: Demonstrate ESG credentials in bids and supply chains
• Staff attraction and retention: Workplaces aligned to sustainability values
• Potential incentives: Some projects may be eligible for government schemes or tax reliefs (subject to criteria; always confirm with official sources and your accountant)
• Futureproofing: Prepare for evolving regulations and expectations

Important: Any tax treatment or incentives depend on your circumstances and may change. Always seek professional advice and rely on official guidance (e.g., GOV.UK).

Typical Costs, Terms, and Security

• Loan sizes: From £10,000 to £5,000,000+ (lender dependent)
• Terms: Typically 6 months to 7 years (longer may be available for certain assets/projects)
• Rates: Pricing varies by credit profile, security, and project; your broker/lender will provide a personalised quote
• Security: May be unsecured or secured; directors’ guarantees are common for SMEs
• Fees: We don’t charge business owners to use our service. Broker/lender fees (if any) will be disclosed by the provider before you proceed

There’s no obligation to accept any offer you receive.

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Eligibility Snapshot

Lenders on our panel consider a range of factors:

• Business profile: Limited companies, LLPs, and partnerships
• Trading history: Newly incorporated and established businesses both considered
• Turnover and profitability: Affordability and cash flow
• Credit history: Adverse credit may be acceptable with some lenders
• Project details: Clear scope, supplier quotes, forecast savings/ROI where relevant
• Security: Assets or guarantees (case-by-case)

Submitting our short form won’t affect your credit score. If you choose to proceed with a lender, they may run a hard credit check which could impact your score.

Documents That Help You Move Faster

• Last 3–12 months’ business bank statements
• Latest management accounts and/or filed accounts
• Director ID and address verification (KYC)
• Asset or project quotes/spec sheets (e.g., solar PV proposal, EV invoices)
• Existing finance schedules (if refinancing)
• EPC reports or expected EPC improvement where relevant
• Forecast savings/ROI or payback (for energy-efficiency projects)

How Fast Business Loans Works

1. Step 1: Complete a quick enquiry (under 2 minutes)
2. Step 2: We match you with suitable UK lenders/brokers experienced in sustainability finance
3. Step 3: You’ll typically get a call or email promptly to discuss options
4. Step 4: Compare quotes — proceed only if you’re happy. No obligation.

We’re a free-to-use introducer. We do not lend or offer financial advice. Our partners handle terms and funding directly with you.

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Example Scenarios (Illustrative Only)

These examples show how funding can be structured. Actual terms will vary.

Solar PV for a Manufacturing Site

• Funding need: £180,000 for rooftop solar PV and battery storage
• Structure: Asset finance (hire purchase) over 6 years, seasonal payment profile
• Outcome: Supplier estimated energy bill reduction 35–45% p.a.; project cash-flow positive after year 2

Note: Figures are illustrative; verify details with your supplier and accountant.

Hospitality HVAC and Refrigeration Upgrade

• Funding need: £65,000 for high-efficiency refrigeration and HVAC
• Structure: Unsecured loan over 48 months
• Outcome: Lower monthly energy costs expected; replaced end-of-life units to reduce downtime and maintenance

SME EV Fleet Transition (5 Vans)

• Funding need: £135,000
• Structure: Vehicle finance; separate lease for chargers
• Outcome: Reduced fuel and maintenance costs; supports client ESG requirements in tendering

Grants, Incentives, and Tax (High-Level, Not Advice)

• Capital allowances: Qualifying plant and machinery may be eligible for capital allowances or full expensing (companies only; subject to change)
• Energy or heat incentives: Schemes evolve over time; always check current GOV.UK guidance
• Smart Export Guarantee (SEG): Payment for exported solar electricity (eligibility and rates vary)
• Local or regional funds: Some councils and devolved administrations run sustainability or net zero programmes

Important: We do not provide tax or financial advice. Always consult your accountant and refer to official sources before relying on any incentive.

Why Choose Fast Business Loans

• Fast and simple: Short form, quick callbacks
• Sector-aware matching: Lenders who understand sustainability projects
• Choice and clarity: Compare multiple options without the legwork
• No obligation: You choose if and when to proceed
• Free to use: We don’t charge business owners
• Trusted partners: UK-based brokers and lenders who aim to treat customers fairly

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Compliance, Transparency, and Fairness

• We are not a lender and do not provide financial advice. We act as a free introducer, connecting you with UK-based finance brokers and lenders.
• Your enquiry will not affect your credit score. If you proceed, lenders/brokers may conduct credit searches (which could be hard searches).
• All promotions aim to be fair, clear, and not misleading, in line with applicable UK advertising principles and Google’s financial services advertising policies.
• Any examples or figures are illustrative only. Rates, fees, and terms depend on your circumstances. Your broker/lender will provide full details and pre-contract information before you commit.
• Data is handled securely and only shared with relevant finance partners for the purpose of your enquiry.

Frequently Asked Questions

How fast can I get a quote?

Many users hear back the same business day. Timelines vary based on your circumstances and project complexity.

What loan sizes are available?

Our partners can help from £10,000 up to £5 million+, subject to eligibility and lender criteria.

Will my enquiry affect my credit score?

No. Completing our form does not affect your credit score. If you choose to proceed with a lender, they may conduct a credit check which could affect your score.

Can newly incorporated businesses apply?

Yes, some lenders consider newly incorporated companies and LLPs, particularly where there’s strong project viability or security. Criteria vary by lender.

What if I’ve been declined elsewhere?

Because we work with a broad panel, you may still have options. Matching is based on your industry, project, and profile.

Do you charge fees?

No, our introducer service is free for business owners. If a broker or lender charges fees, they will disclose these before you proceed.

Can I finance EVs, chargers, or solar PV specifically?

Yes — many partners specialise in EVs, charging infrastructure, and renewable energy systems via asset or project finance.

Can I combine sustainability spend with other business needs?

Often yes. Some lenders can bundle working capital and capex in a single facility. Your broker will explain options.

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• It’s free and there’s no obligation
• No impact on your credit score to enquire
• We’ll match you with relevant UK lenders/brokers who’ll contact you by phone/email with options

Get Started
Get Quote Now
Free Eligibility Check

Fast Business Loans (FastBusinessLoans.net) is a free introducer service, connecting UK businesses with finance brokers and lenders. We do not provide financial advice or recommendations. All finance is subject to status, affordability, and lender criteria. Terms, conditions, and fees (if applicable) will be provided by the broker/lender. Information on this page is for general guidance only and may change. Always consult professional advisers for tax and financial matters.

Related pages:
Asset Finance |
Equipment Finance |
Invoice Finance |
Vehicle Finance |
Fit-Out Finance |
Construction Business Loans