Small Business Loans: Find the Right UK Lender or Broker Fast

Summary: Fast Business Loans helps UK limited companies and growing SMEs find business loans and finance solutions from £10,000 upwards by matching your enquiry with the best-suited lenders and brokers. Our quick enquiry is not a loan application — it simply helps us introduce your business to partners who can provide quotes. Get a free eligibility check and match in minutes: Get Started – Free Eligibility Check.

Why UK SMEs use Fast Business Loans

Running a business means juggling operations, customers and cash flow. Many owners don’t have time to compare dozens of lenders — or to know which lender understands their sector. Fast Business Loans is a free introducer that saves you time by matching your enquiry with lenders and brokers likely to offer suitable terms. We’re independent: we don’t lend and we don’t give regulated financial advice. Instead, we connect your limited company with finance professionals who can provide tailored quotes.

• Save time — one short form connects you to multiple relevant partners
• No obligation — enquiring does not commit you to a loan
• Minimal credit impact — an initial enquiry does not trigger a hard credit search
• Sector-aware matching — lenders who understand your industry
• Loans from £10,000 and up — for growth, asset purchase, cash flow and more

Free Eligibility Check

Quick eligibility snapshot

While each lender sets its own criteria, here’s a quick snapshot of businesses we commonly help:

• UK-registered limited companies (no sole traders or professional practice loans)
• Typical loan sizes: from £10,000 upwards
• Trading history: from established SMEs to newer companies (criteria vary by lender)
• Common uses: cashflow, stock, equipment, property, sustainability projects, refinancing

Check Eligibility Now – Free & No Obligation

How our matching process works in four simple steps

1. Complete a quick enquiry: Tell us about your business, funding need and contact details — it takes under 2 minutes.
2. We match you: We select lenders/brokers from our panel who best fit your sector and needs.
3. Partners respond: Matched partners will contact you directly to discuss options and, if appropriate, perform checks.
4. Compare and decide: Review offers and terms, then proceed with the provider you choose. We don’t influence lender decisions.

No application is submitted by us — your enquiry helps partners prepare suitable quotes. Selected partners will request any necessary permissions before running credit checks.

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Funding we can help you explore

Through our network you can explore a wide range of business finance options. We focus on matching you to lenders or brokers who specialise in the solution you need.

Unsecured business loans

Shorter-term or longer-term loans that do not require business assets as security. Use cases include working capital, cashflow smoothing and smaller growth projects. Typical sizes start at £10,000; terms and affordability vary by lender.

Secured & asset-backed finance

Loans secured against property, plant, vehicles or other business assets can enable larger facilities or lower monthly costs. Suitable for expansion, property acquisition or equipment purchases.

Working capital & cashflow support

Revolving credit, overdrafts, invoice finance and short-term loans help businesses manage day-to-day liquidity, seasonal demand or delayed customer payments.

Specialist SME solutions

Invoice finance, asset finance, equipment finance, bridging loans and sustainability project funding (e.g. solar installations, EV chargers) are all options where specialist lenders can often provide better outcomes.

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Small business loan costs & considerations

Costs vary between lenders and depend on loan type, term, security and credit profile. Key factors to review:

• Interest: fixed or variable rates and how they are applied
• Fees: arrangement, establishment, valuation and ongoing service fees
• Repayment profile: monthly instalments, balloon payments or seasonal repayment structures
• Early repayment charges or refinancing penalties
• Security and personal guarantees — some lenders may require one for larger facilities

Fast Business Loans presents options; the lender/broker will provide full terms and costs. We recommend comparing APR, total cost of credit and any fees before committing. Borrow responsibly and consider independent advice for complex decisions.

SME case snapshots (illustrative)

These anonymised examples show the types of outcomes our matching helps create:

• Retailer, Manchester: secured £75,000 asset finance to purchase seasonal stock; supplier paid within days, enabling a strong trading quarter.
• Engineering firm, Midlands: matched with an equipment finance broker who arranged £150,000 to buy new CNC machinery with manageable monthly instalments.
• Café chain, South West: accessed a short-term cashflow facility to manage seasonal staffing and refurbishment costs; matched within 48 hours.

Outcomes depend on lender decisions and documentation. These examples are for illustration only.

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Who we help most often

We commonly assist limited companies across sectors where specialised finance knowledge matters:

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

If your company needs funding from £10,000 upwards, we’ll find partners experienced in your industry so you don’t waste time explaining your trade.

Eligibility & documents checklist

Preparing the right documents helps your matched lenders respond quickly. Typical requirements include:

Exact document requests vary by lender. Sharing accurate information in your enquiry speeds up matching and improves the quality of the offers you receive.

Share My Business Details Securely

How Fast Business Loans protects you

We operate transparently: we are an introducer and do not provide loans or regulated advice. We only share your details with selected partners relevant to your enquiry and handle personal data securely in line with our privacy policy. We will never send your information to unrelated third parties without consent.

Before any credit check or full application, a lender or broker will explain what checks they will run and will ask for permission. You remain in control at every step.

Frequently asked questions

Is Fast Business Loans a lender or broker?

We are an introducer. We connect businesses with lenders and brokers who can provide loan quotes. We do not provide finance ourselves and we do not give regulated financial advice.

Will submitting an enquiry impact my credit score?

No — completing our enquiry form does not trigger a hard credit search. Matched partners may run credit checks later in the process with your consent when you progress an application with them.

How quickly will I receive loan offers?

Response times vary by partner and the complexity of your request. Many businesses hear from matched partners within hours during business hours; larger or more complex facilities may take longer.

What loan amounts are available?

Our panel supports loans and finance facilities from £10,000 upwards. Maximum amounts depend on lender criteria, security, turnover and trading history.

Can I get finance with limited trading history or past credit issues?

Some lenders and brokers specialise in cases with shorter trading history or adverse credit. Matching increases the chance of finding a suitable partner, but approvals remain at the discretion of lenders and usually depend on business performance, security and supporting documentation.

Do I need to provide security or a personal guarantee?

Some products require security or a personal guarantee, particularly for larger loans. Others offer unsecured facilities. Matched brokers/lenders will explain requirements before you proceed.

Take the next step toward the right SME finance

If your limited company needs funding of £10,000 or more, start with a short, no‑obligation enquiry. We’ll match you to the most appropriate lenders and brokers and you’ll receive direct contact and quotes from them — simple, fast and free.

Get Started – Free Eligibility Check

Fast Business Loans is an introducer and does not provide loans or regulated financial advice. Submitting an enquiry is not a loan application. Always review lender terms and consider independent advice where appropriate. Read our Privacy Policy and Terms & Conditions for more details.

small business loans

– What is Fast Business Loans and do you lend directly? Answer: Fast Business Loans is a free UK introducer that matches your limited company with trusted lenders and brokers; we don’t lend or give regulated financial advice.

– How does your small business loan matching process work? Answer: You submit a quick enquiry, we match you to suitable partners, they contact you to discuss options, and you compare quotes and decide with no obligation.

– What’s the minimum loan amount available? Answer: Our partners typically offer business finance from £10,000 upwards, with maximums depending on lender criteria, security and trading history.

– Will submitting an enquiry affect my credit score? Answer: No—our enquiry is not a loan application and does not trigger a hard credit search; any checks happen later with your consent.

– How quickly can I get loan options or funding? Answer: Many SMEs hear from matched partners within hours, while funding timelines vary by product type, documents and underwriting.

– Who is eligible to use your service? Answer: We primarily help UK‑registered limited companies seeking £10,000+ and do not currently arrange loans for sole traders or professional practice loans.

– What types of business finance can you help me explore? Answer: We match businesses with unsecured and secured loans, asset and equipment finance, invoice finance, revolving credit/overdrafts, bridging loans and sustainability funding.

– Do I need to provide security or a personal guarantee? Answer: Some facilities require security or a director guarantee—especially for larger amounts—while others are unsecured, depending on the lender and product.

– What documents will lenders usually ask for? Answer: Expect recent bank statements, filed or management accounts, company and director ID, and for larger facilities, quotes or a cashflow forecast.

– Does it cost anything and am I obliged to proceed? Answer: Our matching service is free and there’s no obligation to proceed; you choose whether to accept any quote after reviewing rates and fees.