Commercial Finance for UK Businesses: Fast, Fair Connections
Summary: Fast Business Loans helps UK companies access commercial finance by matching them with lenders and brokers best suited to their needs. We don’t lend or give regulated advice — we introduce you to providers who can offer commercial mortgages, development and bridging finance, asset and invoice finance, refinance and working capital solutions from around £10,000 upwards. Complete a short enquiry to get a free eligibility check and receive fast, no-obligation responses from relevant lenders and brokers.
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.
What is commercial finance & why it matters
Commercial finance covers lending and funding products designed for businesses rather than personal borrowing. It supports investments such as buying or refinancing property, financing development projects, buying equipment, improving cash flow, or growing a company. Typical commercial finance use cases include:
- Commercial property purchase or refinance
- Short-term bridging for developers
- Development finance for construction projects
- Asset and equipment purchases
- Invoice finance or factoring to unlock working capital
- Refinance or restructuring of existing debt
Loan sizes our partners commonly handle start from around £10,000 and can reach into the millions depending on the product and lender.
Why use Fast Business Loans for commercial finance?
Searching the market for the right commercial finance partner takes time. Fast Business Loans streamlines that process: tell us what you need and we’ll match you with lenders and brokers who specialise in your sector and funding type.
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.
- Save time: one short enquiry connects you with multiple relevant partners.
- Better match: we use sector and product filters to increase the chance of an appropriate offer.
- No obligation: submitting your details is an enquiry only — you choose who to speak with or proceed with.
- Confidential & secure: your information is shared only with selected partners who can help.
Get Started — Free Eligibility Check (takes under 2 minutes, no impact to your credit score).
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Commercial finance options we can introduce
Our panel includes brokers and lenders offering a wide range of commercial products. Below are common categories and when they might be suitable.
Commercial mortgages
Longer-term finance for buying or refinancing commercial property. Typical loan sizes vary hugely — many lenders start from tens of thousands up to multi-million pound facilities. Suitable for owner-occupiers, buy-to-let commercial portfolios and refi requirements.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Bridging loans
Short-term, fast funding to bridge a timing gap (e.g., to secure a purchase before longer-term finance completes). Often secured against property and used by property investors and developers. Speed and flexibility are the primary benefits, but costs are typically higher than longer-term mortgages.
Development finance
Funding for construction or refurbishment projects, released in stages as work completes. Lenders look closely at project viability, cost plans and exit strategy (sale or refinance). Loan amounts are usually substantial and depend on GDV (Gross Development Value).
Asset & equipment finance
Structured to purchase equipment, machinery, vehicles or technology. Options include hire purchase and lease arrangements. Useful to conserve cash while obtaining essential kit.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Invoice finance (factoring & discounting)
Unlock cash tied up in unpaid invoices. Particularly helpful for businesses experiencing rapid growth or long payment terms from clients. Facilities can often be up and running quickly.
Working capital & cashflow support
Short-term loans or revolving facilities to smooth seasonal peaks, cover supplier costs or fund growth. Terms and security vary by lender.
Refinance & restructuring
If you already have borrowing, matched brokers can explore options to refinance, lower monthly payments or consolidate multiple facilities.
For a plain-English overview of commercial lending categories, see our commercial finance guidance page on the Fast Business Loans site: commercial finance.
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.
Industries we commonly support
Our partnerships cover a broad range of UK sectors. Because lenders specialise by sector, matching matters:
- Property development & construction
- Manufacturing & engineering
- Hospitality — hotels, pubs and restaurants
- Healthcare & care homes
- Retail & e-commerce
- Logistics, transport & fleet
- Agriculture & farming
- Sustainability & renewable projects
Get matched to commercial finance specialists — tell us your sector and funding need; we’ll put you in touch with the most relevant lenders and brokers.
How our 4-step matching process works
- Enquire: Complete a short online form (under 2 minutes) with basic business and funding details.
- Match: We select lenders/brokers from our panel who best fit your sector and finance type.
- Discuss: Partners contact you to discuss options, perform detailed checks and outline likely terms.
- Decide: Review proposals, choose a provider and proceed to formal application if you wish.
No obligation at enquiry stage. Your enquiry does not affect your credit score; lenders may run checks only if you proceed with an application.
Eligibility snapshot: what our broker partners typically consider
Every lender sets its own criteria, but the following factors are commonly reviewed when assessing commercial finance requests:
- Turnover and profitability: recent trading performance and forecasts.
- Trading history: how long the company has been operating.
- Security: property or assets offered as collateral (many commercial products are secured).
- Credit profile: company and director credit histories.
- Sector and project risk: industry stability and project viability for development finance.
This is guidance only — a matched broker will advise on specific lender requirements and the documentation required for formal applications.
Commercial finance costs & key considerations
Costs vary widely by product, lender, security and borrower profile. Typical points to consider:
- Interest rates: can vary from relatively low for secured long-term mortgages to higher rates for bridging and unsecured facilities.
- Fees: arrangement, valuation, legal and exit fees are common.
- Loan-to-value (LTV): determines how much you can borrow against an asset.
- Covenants & conditions: commercial loans may include performance covenants you must meet.
- Security risk: secured borrowing can put property or assets at risk if repayments are missed.
Matched brokers will explain the full cost picture and help you compare total cost and suitability across options.
Success snapshot: real-world examples
Development loan secured for refurbishment
An SME developer required £750,000 to complete a refurbishment project. After a quick enquiry, a specialist development broker introduced a short-term facility that allowed phased drawdowns. The developer completed works and moved to a longer-term refinance. (Example is anonymised; outcomes vary by case.)
Invoice finance to free up working capital
A growing supplier was owed large invoices and needed immediate cash to buy materials. We introduced an invoice finance provider; funds were released within days, enabling the company to meet demand and avoid supply delays.
Why businesses trust our broker & lender network
We select partners based on experience, sector focus and responsiveness. While we do not provide financial advice or lend ourselves, our role as an introducer helps businesses quickly reach providers who can offer tailored proposals.
Compare commercial finance options now — secure, confidential and obligation-free. Responses typically arrive quickly during business hours.
Frequently asked questions
How quickly can commercial finance be arranged once I submit an enquiry?
Initial contact from a broker or lender usually happens within hours during business hours. Formal funding timescales depend on product: bridging can complete in days, longer-term mortgages and development finance often take weeks due to due diligence and legal processes.
Do I need property or assets as security?
Many commercial finance products are secured, but unsecured options exist for some working capital and smaller loans. The right solution depends on your needs and lender appetite.
Will submitting an enquiry affect my credit score?
No — completing our enquiry form is an information request only and does not impact your credit file. Lenders may carry out credit checks later if you proceed to application.
What minimum loan size can I expect?
Our partners typically handle requests from around £10,000 upwards. Exact minimums depend on the product and lender.
Can I apply if I’ve been declined elsewhere?
Possibly. Different lenders have different risk appetites. We can match you to partners who specialise in complex or non-standard credit profiles, though outcomes vary by case.
Does Fast Business Loans give financial advice?
No. We are an introducer that connects you to finance providers. Matched brokers and lenders can provide tailored advice and carry out regulatory checks where required.
Next steps: start your commercial finance enquiry
Ready to explore options? Complete a short form and receive a free eligibility check and rapid introductions to lenders and brokers suited to your needs. There’s no cost and no obligation.
Start your enquiry — takes under 2 minutes
Important information & disclaimer
Fast Business Loans is an introducer and does not lend money or provide regulated financial advice. We share your details with selected lenders and brokers to match you with suitable commercial finance options. We cannot guarantee that a provider will offer or approve finance. Terms, rates and eligibility are set by third-party lenders and brokers. Secured loans may put assets (including property) at risk if repayments are missed. Consider seeking independent professional advice where appropriate.
– How does Fast Business Loans help UK businesses get commercial finance? We act as an introducer, using your quick enquiry for a free eligibility check to match you with trusted UK lenders and brokers suited to your sector and funding type.
– Will submitting the enquiry form affect my credit score? No, the enquiry is information-only and does not affect your credit file; checks occur only if you proceed with an application.
– How fast can I get funding after I enquire? You’ll usually hear from a partner within hours, with bridging sometimes completing in days and mortgages or development finance typically taking weeks.
– What loan amounts can you help me access? Our partners commonly fund from around £10,000 up to multi‑million pound facilities, depending on the product and your eligibility.
– Do I need security, or are unsecured business loans available? Many commercial facilities are secured against property or assets, but some working capital and smaller loans can be unsecured subject to lender criteria.
– What types of finance can you connect me with? We can introduce commercial mortgages, bridging loans, development finance, asset and equipment finance, invoice finance, working capital facilities, and refinance options.
– What do lenders usually consider for eligibility? Lenders typically assess turnover and profitability, trading history, available security, credit profiles, sector risk, and for projects the viability and exit strategy.
– Can you help start-ups or businesses with adverse credit or previous declines? Yes, our panel includes specialists for start-ups and complex credit cases, though approvals and terms vary by lender.
– What costs and fees should I expect with commercial finance? Total cost varies by product and lender and may include interest, arrangement, valuation, legal and exit fees, plus LTV limits and any covenants.
– Is your service free and is there any obligation to proceed? Yes, our matching service is free to use and there’s no obligation to speak with a partner or accept any offer.