Small Business Loans – Compare Trusted UK Finance Options

Summary: Fast Business Loans helps UK companies seeking funding of £10,000 and above by matching them quickly with specialist lenders and brokers. Complete a short, free eligibility check and we’ll introduce you to partners who can provide tailored quotes — no obligation, no upfront fee, and your initial enquiry won’t affect your credit score. Free Eligibility Check

How our small business loan matching works

We make finding business finance simple and fast. Our role is to match your business with lenders and brokers who specialise in the type of funding you need — we do not lend directly.

1. Quick enquiry — complete our short form (under 2 minutes). Get a Free Eligibility Check
2. Targeted match — we select partners from our panel who best fit your sector, loan size and circumstances.
3. Rapid contact — one or more lenders/brokers will contact you with questions or indicative quotes.
4. Compare and decide — review offers and choose the provider that suits your business; there’s no obligation to proceed.

Start your enquiry now — it’s free and non‑committal.

Why UK businesses choose Fast Business Loans

• Fast, simple process: one short form connects you to relevant providers so you don’t waste time contacting dozens of lenders.
• Sector-savvy matching: we match you to specialists who understand your industry and the typical credit criteria they apply.
• Transparent & free: there’s no fee to use our service and no obligation to accept any offer.
• No immediate credit impact: filling our enquiry does not affect your business credit score.
• Range of loan sizes: funding typically starts at £10,000 and can go up to several million depending on need and security.

Get matched to trusted lenders — no obligation.

What is a small business loan?

A small business loan is finance provided to companies to support working capital, equipment purchases, growth, refinancing or other commercial needs. Loans may be secured (backed by property or assets) or unsecured. They can be short-term (weeks to months) or longer-term (years) depending on use and lender terms. Fast Business Loans introduces you to lenders and brokers who can offer and manage these products — we do not provide regulated financial advice.

Funding scenarios we support

• Cash flow gaps: cover unexpected shortfalls while you wait for receivables to clear.
• Equipment & vehicle purchases: asset finance and hire purchase options to spread costs.
• Expansion & fit-outs: funds for premises, stock increases or refits.
• Refinance & consolidation: restructure existing debt to improve monthly cash flow.
• Seasonal working capital: tailored short-term solutions for high-season businesses.

If one of these fits your plan, request a free eligibility check and we’ll match you to relevant specialists.

Types of small business finance available through our panel

Our network includes providers offering a wide range of commercial finance products. Typical options include:

• Business loans — secured or unsecured term loans for growth and cashflow; turnaround from days to weeks.
• Revolving credit / overdrafts — flexible short-term access to working capital.
• Invoice finance — unlock cash tied up in unpaid invoices.
• Asset & equipment finance — finance or hire purchase for machinery, vehicles, or specialist equipment.
• Merchant cash advances — rapid funding repaid from card takings, suited to certain sectors.
• Commercial mortgages — property purchase or refinance for trading premises (larger sums, longer terms).
• Refinance & debt consolidation — simplify monthly payments and potentially reduce costs.

Availability, rates and terms vary by lender and business profile. Complete our short form so we can identify the most suitable options for you: Get Quote Now.

Eligibility snapshot: who can apply?

Below are general criteria that many lenders consider — each partner sets its own rules:

• UK-registered limited companies or incorporated businesses (minimum loan £10,000).
• Minimum trading history often required (varies by lender; some partners support newer businesses with projections).
• Turnover and profitability thresholds depend on finance type and lender.
• Acceptable industries: construction, hospitality, retail & e‑commerce, healthcare, manufacturing, logistics and more.

Because criteria differ, submitting an enquiry helps us match you to partners most likely to consider your business.

What documents and information help speed the process?

Having key documents ready helps lenders give quick and accurate responses:

• Recent business bank statements (typically 3–6 months).
• Latest management accounts or accounts filed at Companies House.
• Details of outstanding loans or liabilities.
• Proof of identity and business address for directors (when requested).
• Quotations or invoices for asset purchases (if applicable).
• Business plan or cashflow projections for start-up or growth funding requests.

Prepare these to speed up offers after you’ve been matched. Start your enquiry and tell us what you have available.

How much can my business borrow?

Broadly, our partners can assist with loans from around £10,000 up to £5m+ depending on the product, security and business profile. The exact amount available to your company will depend on turnover, profitability, assets offered as security (if any) and the lender’s appetite. There is no fee to check eligibility.

Cost considerations & responsible borrowing

Costs vary by product and provider. Common costs include:

• Interest (fixed or variable)
• Arrangement or facility fees
• Early repayment charges (where applicable)
• Security-related legal costs (for secured finance)

Always compare total cost of borrowing (including fees) and read terms carefully. Fast Business Loans introduces you to lenders and brokers so you can obtain and compare full written terms before deciding. We do not provide regulated financial advice — consider independent advice if you need it.

How Fast Business Loans supports specific industries

Our panel contains brokers and lenders who specialise in many sectors. A few examples:

• Construction: short-term bridging and asset finance for plant and materials.
• Hospitality & catering: refurbishment and seasonal working capital solutions.
• Retail & e‑commerce: stock finance, merchant cash advances and invoice finance.
• Manufacturing & engineering: equipment finance and asset-backed loans.
• Healthcare: equipment and practice financing options.

If your sector isn’t listed above, we still may be able to help — see if we cover your industry.

FAQs: small business loans via Fast Business Loans

Will checking my eligibility affect my credit score?

No. An initial enquiry via Fast Business Loans does not impact your credit score. Lenders or brokers may perform checks only if you apply to them directly.

Do you charge businesses to use your service?

No. Our service is free for businesses. We may receive a commission from lenders or brokers after a completed transaction, but you pay nothing to use our matching service.

How fast can funding be arranged?

Response times vary. Many lenders respond within 24–48 hours; once an offer is accepted and documents provided, funding can sometimes complete in a few days for straightforward cases, or longer for complex or secured facilities.

What if I’ve been declined elsewhere?

Different lenders have different criteria. Our panel includes specialist providers who may consider businesses other lenders declined. Complete our enquiry to get matched to the most suitable partners.

Can I get unsecured finance?

Yes — unsecured business loans are available where lenders accept the credit risk without security. Terms and amounts vary, and eligibility is driven by business performance and credit profile.

Do I have to accept any introduction?

No. Matches are introductions only. You decide whether to proceed with any lender or broker that contacts you.

Ready to explore your funding options?

Complete a quick, free eligibility check and we’ll match your business with the lenders and brokers most likely to help. It takes under two minutes and will not affect your credit score. Get Started — Free Eligibility Check

Fast Business Loans acts as an introducer only. We do not lend money or provide regulated financial advice. We may receive commission from lenders and brokers when a loan completes. Always review lender terms and consider independent advice before committing to finance. Your data will be handled in line with our Privacy Policy.

For more contextual guidance on common borrowing options, see our pillar resource on small business loans.

– What is Fast Business Loans and how does it work?
Fast Business Loans is an introducer that quickly matches UK businesses to trusted lenders and brokers via a free, no‑obligation eligibility check so you can compare tailored finance options.

– Will submitting the enquiry affect my credit score?
No—your initial eligibility check does not affect your business credit score, and any credit search happens only if you proceed with a lender or broker.

– How fast can I get a response or funding?
You’ll usually hear from matched lenders or brokers within hours on business days, and straightforward cases can fund in a few days once documents are provided.

– What types of small business finance can I compare?
Our panel covers secured and unsecured business loans, revolving credit, invoice finance, asset and equipment finance, merchant cash advances, commercial mortgages, and refinance or consolidation.

– How much can my business borrow?
Typical facility sizes range from £10,000 to £5m+ depending on turnover, profitability, security and lender appetite.

– Who is eligible to apply?
UK‑registered limited companies and other incorporated businesses can enquire, with trading history and financial criteria varying by lender and product.

– What documents will speed up my small business loan?
Have 3–6 months of business bank statements, recent accounts or management figures, details of existing liabilities, director ID/address, and any quotes or cash‑flow projections ready.

– Do you charge fees, and am I obliged to proceed?
The service is free and there’s no obligation to accept any offer; Fast Business Loans may receive commission from a lender or broker if a facility completes.

– Is the enquiry the same as a loan application?
No—the enquiry is simply an information request used to match you with suitable providers, and you only apply directly if you choose to move forward.

– Can you help if I’ve been declined elsewhere or have weaker credit?
Yes—because lenders have different criteria, our specialist panel may still consider your business, though approval and terms depend on your profile and documents.