Commercial Finance for UK Businesses

Summary: Commercial finance covers funding for property, development, equipment, working capital and other large-scale business needs. Fast Business Loans is a free introducer that helps UK companies (loans and facilities from £10,000+) get matched quickly with lenders and brokers who can provide tailored commercial finance quotes. Complete a short, no‑obligation enquiry and we’ll connect you to the best-fit providers so you can compare terms and decide — with no pressure.

Get Started — Free Commercial Finance Eligibility Check

Why UK Businesses Turn to Commercial Finance

Commercial finance is an umbrella term for funding solutions designed for larger or specialist business needs — for example, buying or refinancing property, funding development projects, purchasing machinery, or bridging temporary gaps in cash flow. These facilities are structured to match the size, security and purpose of the borrowing.

• Common use cases:
  • Commercial property purchase or refinance
  • Development and refurbishment finance
  • Asset and equipment purchases
  • Invoice and receivables funding to unlock cashflow
  • Working capital to support growth or seasonal demand
  • Bridging finance for time-critical transactions

Fast Business Loans does not lend. We introduce businesses to lenders and brokers so you can get multiple quotes and choose the right product for your needs. For a broad overview of commercial lending types and features, see our commercial finance resource commercial finance.

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What Commercial Finance Options Can We Introduce You To?

We work with a wide panel of lenders and brokers offering a range of commercial products. Availability depends on each lender’s criteria and the specifics of your business or project.

Terms, rates and eligibility vary by lender and are subject to status. Fast Business Loans will help you compare options so you can evaluate cost versus benefits.

Compare Commercial Finance Solutions – Free Enquiry

How Fast Business Loans Matches You with the Right Lenders

Skip the long search. Our matching process is designed to find lenders or brokers who understand your industry and funding need.

1. Complete a short online enquiry — it takes around 2 minutes and does not impact your credit file.
2. We assess the details (industry, turnover, funding purpose, security) and identify suitable partners from our panel.
3. A matched lender or broker typically contacts you by phone or email — often within hours — to discuss options.
4. You receive proposals, compare terms, and proceed only if you’re happy with the offer.

Your data is shared only with selected partners relevant to your request and handled securely. You remain in control at every step.

Start the Free Matching Process

Commercial Finance Eligibility: What Lenders Typically Look For

Each lender sets its own criteria, but common factors include trading history, turnover, profitability, cashflow, collateral and director credit profiles. Larger or secured facilities usually require stronger security and longer trading histories.

Documents & Information to Prepare

• Last 12–24 months’ company accounts (or management accounts)
• Recent business bank statements
• Debtor and creditor ageing reports
• Details of assets or property intended as security (valuations where available)
• Project appraisals, costs and timelines for development finance
• Director ID and proof of address

Preparing these documents speeds up lender decisions. Always provide accurate information — lenders will verify details before issuing any formal offer.

Check Your Commercial Finance Eligibility Now

Pricing, Interest Rates & Fees — What to Expect

Fast Business Loans does not set interest rates or fees — these are provided by lenders or brokers you are introduced to. Typical cost components include interest, arrangement fees, valuation and legal fees, and any broker fees.

• Indicative ranges (for illustration only): commercial mortgages from around 4–10% depending on security and risk profile; asset and invoice finance pricing varies widely by provider and asset.
• Bridging and merchant cash advances can be more expensive but offer speed and flexibility for short-term needs.

All quotes received from lenders will be subject to status and will include full costs before you agree to proceed.

Request Personalised Commercial Finance Quotes

Benefits of Using Fast Business Loans as Your Introducer

• No cost to your business — our service is free to use.
• Save time — get matched with appropriate lenders/brokers quickly.
• Compare multiple options — see a range of potential solutions before deciding.
• Sector knowledge — partners experienced across many industries.
• No obligation — you choose whether to progress with any offer.

Speak to a Commercial Finance Specialist Today

Industries & Deal Scenarios We Commonly Support

We regularly introduce businesses from a wide range of sectors to lenders who understand their specific needs.

Example deal scenarios:

• £1.2m staged development facility for a regional property developer (short-term, secured).
• £150k asset finance for manufacturing equipment (asset-backed, hire purchase).
• £300k revolving credit to support seasonal stock for a food supplier.

Share Your Project — 2-Minute Enquiry Form

Preparing for a Successful Commercial Finance Application

Good preparation helps speed decisions and improve your chances of an attractive offer.

• Be clear on the exact funding amount and purpose.
• Update management accounts and prepare simple cashflow forecasts.
• Address any outstanding credit issues where feasible.
• Obtain valuations for assets or property you plan to offer as security.
• Prepare a short business plan or executive summary for lenders.

Transparency and organisation increase lender confidence and reduce delays.

Start Your Free Eligibility Check

Frequently Asked Questions

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

Commercial finance generally refers to larger, often secured or structured facilities tailored to business projects such as property purchases, development or asset-backed funding. Standard business loans are often unsecured and aimed at general working capital or smaller funding needs. Product terms, security and suitability depend on the lender and the business circumstances.

How quickly can I access funds once I complete the enquiry form?

After you submit an enquiry, a matched broker or lender usually contacts you within hours. Time to funds depends on the product: some facilities (like certain working capital or asset finance deals) can complete in days, while development or property finance may take several weeks due to surveys, valuations and legal processes.

Will submitting an enquiry affect our credit rating?

No. Completing the Fast Business Loans enquiry does not trigger a credit search. Partner lenders or brokers may carry out credit checks later, but they will inform you before doing so.

Do you support businesses with previous credit issues?

Yes — we work with lenders and brokers who consider a range of credit histories. Depending on the circumstances, there may be realistic routes to funding, though costs or security requirements may differ.

What is the minimum loan amount you handle?

We arrange facilities starting from around £10,000 upwards. If your requirement is below this, please contact us to confirm current partner capabilities.

Does it cost anything to use Fast Business Loans?

Our service is free for businesses. If you decide to proceed with a lender or broker, any fees related to the finance arrangement will be disclosed by them before you agree to proceed.

Still have questions? Request a call-back from a commercial finance broker.

Ready to Explore Your Commercial Finance Options?

Fast Business Loans makes it quick and simple to compare commercial finance options and find lenders or brokers who understand your sector. Our service is free and there’s no obligation to proceed with any offer.

• Free eligibility check
• Matched with appropriate lenders & brokers
• No obligation — you only proceed if happy with the terms

Start Your Commercial Finance Enquiry

Footer — Disclosure

Fast Business Loans is an introducer and does not provide loans or financial advice. Introductions are made to lenders and brokers who will provide full terms, conditions and costs before any agreement. Finance is subject to status and affordability. Terms, conditions and exclusions may apply. For information on how we handle your data, please see our Privacy Policy and Complaints Procedure.

– What is commercial finance?
Commercial finance is funding for larger or specialist business needs such as commercial property purchases, development projects, asset and equipment buys, invoice finance and working capital facilities.

– Is Fast Business Loans a lender?
No—Fast Business Loans is a free introducer that matches UK businesses with trusted lenders and brokers for tailored commercial finance quotes.

– Is the enquiry form a loan application?
No—the form is a quick, no‑obligation eligibility enquiry used to match you with suitable providers, and you only apply if you choose to proceed with an offer.

– Will submitting an enquiry affect my credit score?
No—submitting an enquiry with Fast Business Loans does not trigger a credit search, though partners may run checks later with your consent.

– What types of commercial finance can you connect me with?
We introduce businesses to commercial mortgages, bridging finance, development finance, asset finance, invoice finance, working capital loans and merchant cash advances.

– What loan amounts are available?
Our partners typically offer facilities from around £10,000 upwards, subject to lender criteria, security and status.

– How quickly can I get funding?
You’ll usually be contacted within hours and, depending on the product, working capital or asset finance can fund in days while property or development finance typically takes weeks due to valuations and legal work.

– What are the typical eligibility criteria?
Lenders commonly assess trading history, turnover, profitability, cash flow, security available and director credit profiles.

– What will it cost—interest rates and fees?
Pricing is set by the lender, but as a guide commercial mortgages can start around 4–10% with additional arrangement, valuation and legal fees, while short‑term options like bridging or merchant cash advances tend to be higher.

– Do you help start‑ups or businesses with previous credit issues?
Yes—many partners consider start‑ups and businesses with adverse credit, although pricing and security requirements may differ.