Small Business Loans: Fast, Trusted Funding Connections for UK SMEs

Summary: Fast Business Loans helps UK limited companies and SMEs find suitable business finance by introducing them to vetted lenders and brokers. We’re an introducer — not a lender or financial advisor — and our free, no-obligation enquiry connects you with partners who can provide tailored quotes for loans from around £10,000 upwards. Complete a short form and Get Started – Free Eligibility Check to be matched quickly with lenders who understand your sector.

Get Started — Free Eligibility Check

Why small business loans matter for UK firms

Access to timely finance is often the difference between seizing an opportunity and watching it pass. For many UK companies, funding is needed for cash flow, stock, equipment, premises, or growth projects — and the right loan makes all the difference.

Finding competitive, appropriate finance can be time-consuming and confusing. That’s where an introducer who knows the market helps: by narrowing the field and pairing your business with lenders and brokers who specialise in your needs. If you’re researching options for small business loans, our hub on small business loans explains common solutions and use cases.

Free Eligibility Check — complete our form and we’ll match you to the best partners for your circumstances.

How Fast Business Loans matches you with the right lenders

Here’s how it works — a simple, four-step process designed to be quick and non‑obligatory.

Step 1: Short enquiry (you)

Tell us about your company, funding need and contact details. The form takes under 2 minutes.

Step 2: Intelligent match (we)

We compare your details against our panel of lenders and brokers and select partners likely to meet your criteria.

Step 3: Rapid contact (partners)

Matched lenders/brokers contact you by phone or email to discuss options and request documents if appropriate.

Step 4: Compare offers and decide (you)

Review quotes, ask questions, and select the option that best fits your business. There is no obligation to proceed.

We never apply to lenders on your behalf without permission — our role is to introduce and speed up the search. Get Quote Now

What types of small business loans can we introduce?

Through our network you can be introduced to a broad range of finance solutions. Below are common types and when they suit a business.

• Business term loans (secured or unsecured) — for expansion, refinancing or capital projects; terms typically from 1–7 years.
• Asset & equipment finance — spread the cost of machinery, vehicles or IT while preserving cashflow.
• Invoice finance — unlock cash tied in unpaid invoices to improve working capital.
• Merchant cash advance — advance against future card takings; useful for seasonal businesses (careful: costlier than standard loans).
• Refinance & consolidation — restructure multiple facilities into one, often improving monthly cashflow.
• Commercial property finance — purchase or refinance business premises (may require specialist brokers).

Not every lender offers every product — we match you to partners who specialise in the solution you need. Compare Lenders Now

Eligibility snapshot: can your business qualify?

Most lenders assess eligibility case-by-case, but common minimum criteria include:

• Business type: limited companies and incorporated businesses (we do not handle sole traders or professional loans).
• Minimum loan size: typically from around £10,000 upwards via our panel.
• Trading history: many lenders prefer at least 12 months trading; some specialist lenders consider shorter trading records.
• Turnover and cashflow: lenders compare borrowing to income and trading performance.

Documents lenders commonly ask for:

• Recent business bank statements (typically 3–6 months)
• Management accounts or accounts filed at Companies House
• ID for directors and company documents (e.g., incorporation, shareholders)
• Details of existing debt and security (if any)

Each case is unique. Start with a quick enquiry so we can match you to lenders whose criteria best fit your profile: Free Eligibility Check.

What to expect: rates, terms and affordability checks

Rates and fees vary widely by loan type, business strength and security offered. Expect the following influences on pricing:

• Credit profile: stronger profiles usually secure lower rates.
• Security: secured loans often have lower interest than unsecured loans.
• Loan size & term: longer terms can lower monthly payments but increase total cost.
• Product type: invoice finance and merchant cash advances can be more expensive than traditional term loans.

Responsible lending matters. Brokers and lenders will run affordability checks and may perform credit searches if you proceed. Our introductions are designed to help you compare quotes and pick the most affordable, realistic option for your business.

Get Matched — Free Eligibility Check (initial enquiry does not affect credit score).

Why UK SMEs choose Fast Business Loans

• Speed: fast matching reduces time searching multiple providers.
• Sector expertise: we work with partners experienced in construction, hospitality, manufacturing and more.
• Choice: multiple quotes allow easy comparison — empowering better decisions.
• Secure handling: we share your details only with selected partners who can help.
• Free & no obligation: you pay nothing to use our matching service.

Many businesses value the time saved and the higher success rate when dealing with brokers and lenders who already understand their industry and needs.

Sectors we commonly support

We regularly introduce finance to businesses in sectors such as construction, hospitality, healthcare, manufacturing, retail, logistics, agriculture, and professional services (excluding sole traders and certain regulated professions). If your sector has specific requirements, our partners can typically provide tailored solutions.

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Success snapshot: realistic funding scenarios

Bakery expansion — £75,000 asset & working capital

Problem: bakery needed new ovens and extra working capital for seasonal demand. Outcome: introduced to an asset finance specialist; offer in 5 days and staged delivery of equipment.

Regional contractor — £200,000 invoice finance facility

Problem: sustained growth and lengthy client payment terms. Outcome: matched with an invoice finance provider who improved cashflow and allowed rapid bidding on new projects.

Pub refurbishment — £120,000 term loan

Problem: owner required refurb funding with manageable monthly payments. Outcome: connected with brokers offering secured and unsecured options; borrower chose a blended package that preserved cashflow.

These are anonymised examples — your outcome depends on lender terms and your business circumstances. To explore similar options, Start Your Free Eligibility Check.

Simple 2-minute enquiry

How to get started:

1. Click the short enquiry link below.
2. Enter basic business details and funding need (takes under 2 minutes).
3. We match you to lenders and brokers who fit your profile.
4. Receive contact and compare quotes — no obligation to proceed.

Get Started — Free Eligibility Check

Your data is used only to find suitable partners; we will not sell your information indiscriminately. You can withdraw consent at any time. See our privacy policy for full details.

Fair, clear and not misleading: important information

Fast Business Loans is an introducer — we do not lend money or provide regulated financial advice. Introductions are free for business owners. Any offers of finance are made by lenders/brokers who assess applications and determine eligibility. Fees, interest rates and terms vary; any lender may require additional checks and documentation.

We receive referral fees from some partners when funding is completed — this does not cost you to use our service. If you proceed with a lender, ask them for full written terms, total cost, and any fees before signing.

Frequently asked questions

Will checking with Fast Business Loans affect my credit score?

No. Completing our initial enquiry does not leave a credit footprint. Lenders may carry out credit searches if you decide to proceed with an application.

What loan amounts can you help with?

We introduce businesses seeking funding from around £10,000 and upwards. Some partners handle much larger facilities for major projects.

Can you help if my application has been declined elsewhere?

Yes. Because our panel includes specialist lenders and brokers, we can often find alternative routes for businesses with previous declines — subject to lender assessment.

How long until I get a quote?

Many businesses hear from matched partners within hours; full quotes depend on the lender’s checks and document requests and can take days to weeks depending on complexity.

Do you only work with FCA-regulated lenders?

We work with a wide panel of brokers and lenders. If you want regulated providers, indicate this preference during your enquiry and we’ll prioritise matching to partners that meet your requirements.

Get Matched Today — Free Eligibility Check

Ready to explore your options?

If your business needs finance of around £10,000 or more, Fast Business Loans can help you quickly reach lenders and brokers who understand your industry and funding needs. Complete our short enquiry and receive no-obligation quotes so you can compare and choose with confidence.

Start Your Free Eligibility Check

Disclosure: Fast Business Loans is an introducer only. We do not provide loans or regulated financial advice. Offers and eligibility are determined by the lenders and brokers we introduce you to; loan terms and costs will vary by provider.

1) What is Fast Business Loans and how does it work?
We’re a UK business finance introducer that uses a free, no‑obligation enquiry (not a loan application) to match your company with vetted lenders and brokers for tailored quotes.

2) Does submitting an enquiry affect my credit score?
No—our initial eligibility check leaves no credit footprint; any checks happen later only if you choose to proceed with a lender.

3) What loan amounts can you help with?
Our partners typically fund from around £10,000 upward, with larger facilities available into the millions depending on your business profile.

4) How quickly can I get matched and funded?
Most businesses hear from matched partners within a few business hours, and funding can complete in a few days to weeks depending on documents and lender checks.

5) What types of business finance can you introduce?
We connect UK SMEs to term loans (secured or unsecured), asset and equipment finance, invoice finance, merchant cash advances, refinancing, and commercial property finance.

6) Who is eligible to use your service?
We primarily support UK limited companies and incorporated businesses seeking £10,000+ (not sole traders), with many lenders preferring 12+ months trading though some consider shorter histories.

7) What documents will lenders usually ask for?
Expect to provide 3–6 months of business bank statements, recent accounts or management information, director ID, and details of existing debt or security.

8) Can you help if I’ve been declined elsewhere or have weaker credit?
Often yes—our panel includes specialist lenders who assess cases individually, subject to affordability and standard checks.

9) Are there any fees to use your service and are your partners regulated?
Our enquiry service is free for business owners and we may receive a commission on completed funding, and we work with vetted UK brokers and lenders who follow FCA guidelines.

10) What interest rates and terms should I expect on UK small business loans?
Pricing varies by credit profile, security, loan size, term and product type, so comparing quotes helps you find an affordable option after standard affordability checks.