Commercial Finance: Fast, Fair Connections for UK Businesses

Summary: Fast Business Loans helps UK businesses access commercial finance by matching them with lenders and brokers that suit their needs. We are an introducer — not a lender — and our quick, free enquiry helps businesses (borrowing from £10,000+) compare commercial mortgages, development & bridging finance, owner-occupied loans, working capital and asset finance. Complete a Free Eligibility Check and we’ll match you to the best providers quickly and without obligation.

What is commercial finance and who is it for?

Commercial finance covers lending and funding arranged for companies and limited businesses to buy, develop or operate commercial assets or fund business growth. Typical uses include purchasing investment property, funding a commercial acquisition, bridging a purchase while refinancing, funding development projects, buying machinery or vehicles, and providing working capital for trading businesses.

This type of finance is aimed at SMEs, scale-ups and multi-site operators that need from around £10,000 to several million pounds. Whether you’re buying a shop, refinancing a portfolio, or need short-term bridging to secure a development site, the right product depends on your objectives, security available, trading history and projected cash flows.

Quick action: Ready to see your options? Start a Free Eligibility Check now — it takes under two minutes and does not affect your credit score: Free Eligibility Check.

Can I apply through Fast Business Loans?

Yes — Fast Business Loans introduces eligible UK companies to lenders and brokers who specialise in commercial finance. We are an introducer and do not lend or provide regulated financial advice. Our service is free to businesses and there’s no obligation to proceed once matched.

Typical eligibility basics we look for:

• Company registered and trading in the UK (limited companies and corporate structures).
• Directors authorised to seek finance for the business.
• Funding requirements from £10,000 upwards.
• Relevant supporting information available (accounts, bank statements, property details where applicable).

We work with partners who assess a wide range of credit profiles. If you’re unsure whether you qualify, submit a short enquiry and we’ll tell you which lenders or brokers can consider your case. Get started: Get Quote Now.

Commercial finance options we can help you compare

Below are the main solutions our partners commonly provide. Terms vary by lender; any quote you receive will disclose fees and conditions.

Commercial Mortgages & Investment Property Finance

What it is / when it suits: Long-term mortgages for buying commercial premises or investment properties. Suits landlords, investors and businesses buying premises to let.

Typical sizes / durations: From around £50,000 up to multi-million portfolios; terms commonly 5–25 years.

Key lender considerations: Loan-to-value (LTV), rental income projections, business accounts, asset condition and security.

Free Eligibility Check

Development Finance & Bridging Loans

What it is / when it suits: Short-term funding for site purchase, construction or conversion (development finance) and rapid bridging loans while you arrange longer-term finance. Useful for plots, conversions and refurbishments.

Typical sizes / durations: Often from £100,000 upwards; bridging typically 1–12 months; development loans structured around build phases.

Key lender considerations: GDV (gross development value), exit plan, planning status, experience of promoters and security value.

Get Started Free Eligibility Check

Owner‑Occupied Commercial Loans

What it is / when it suits: Finance for businesses buying premises they will occupy. Lenders assess business cashflow and property security.

Typical sizes / durations: From £50,000 upwards; terms often 5–25 years.

Key lender considerations: Business affordability, property value, and the company’s trading performance.

Cash Flow Support (Invoice Finance & Working Capital)

What it is / when it suits: Solutions to unlock cash from unpaid invoices, short-term facilities to cover seasonal peaks or supply chain gaps.

Typical sizes / durations: Flexible facilities based on turnover; short-term or revolving lines.

Key lender considerations: Invoicing profile, debtor concentration, industry risk.

Get Quote Now

Asset & Equipment Finance

What it is / when it suits: Funding or leasing for machinery, vehicles, IT and specialist equipment. Ideal when you need to preserve working capital.

Typical sizes / durations: From £10,000 up; terms vary by asset life (1–7 years typical).

Key lender considerations: Asset type, residual value, and the business’s balance sheet.

Compliance note: Terms vary by lender and product. Any offers you receive will disclose arrangement fees, interest and full conditions before you proceed.

For a deeper overview of property-related products see our commercial finance guide on commercial finance.

The Fast Business Loans matching process

Here’s how it works — fast, transparent and designed to leave you in control.

1. Quick online form: Tell us a few facts about your business and funding needs (under 2 minutes). This initial enquiry does not affect credit scores.
2. Smart matching: We compare your needs to our partner panel and select brokers or lenders that specialise in your sector and product.
3. Rapid contact & bespoke quotes: Partners typically contact you within hours during business days to request documents and provide indicative pricing.
4. You decide: Review offers, ask questions, and choose the route that suits you best. We don’t pressure you to proceed.

Process graphic suggestion: four icons in a horizontal row — Form, Match, Contact, Decide.

Start the process now and receive tailored introductions: Start Your Free Eligibility Check.

Why businesses trust Fast Business Loans for commercial finance

• Speed & simplicity: Short enquiry, rapid introductions — we save you time so you can focus on running your business.
• Curated partner panel: We select brokers and lenders who are experienced in commercial transactions and practical deal structuring.
• Sector expertise: Our matching process accounts for industry-specific risks and typical lender appetite.
• Transparent & secure: Your data is shared only with partners relevant to your enquiry and handled in line with our privacy standards.
• Free for businesses: There’s no cost to submit an enquiry. Any fees from a broker or lender will be disclosed by them before you agree.

“Midlands manufacturer secured £750k commercial mortgage via our panel in 12 days.” — anonymised case snapshot

Compare offers with no obligation: Compare Commercial Finance Offers — Get Quote Now.

Commercial Finance FAQ

How quickly can I secure commercial finance via Fast Business Loans?

Submit the short enquiry and we’ll typically introduce you to a suitable broker or lender within a few business hours. Funding timelines depend on product type, lender due diligence and document readiness — bridging can complete in days while development or mortgage processes can take weeks.

Will enquiring affect my credit score?

No. Completing our enquiry form does not impact your credit score. A lender or broker may carry out credit checks later if you choose to proceed.

What documents will lenders ask for?

Commonly requested items include filed accounts, management accounts, business bank statements, director ID, property information (if applicable), and a clear exit strategy for development or bridging finance. Exact requirements vary by lender and product.

Can I apply if I have existing commercial debt?

Yes. Many partners consider refinancing, restructuring or additional borrowing. Be open about existing facilities so we can match you accurately.

How much can I borrow?

Loan sizes depend on product and security. Many partners provide facilities from around £10,000 up to several million pounds. Specific amounts depend on valuation, affordability and lender criteria.

Do you provide financial advice?

No — we introduce you to brokers and lenders. Any advice and regulated recommendations will come directly from the broker or lender you choose to work with.

Ready to explore your commercial finance options?

Fast Business Loans connects your business with lenders and brokers who can deliver relevant commercial finance solutions — quickly, clearly and without obligation. If your business needs from £10,000 upwards for property, development, equipment or working capital, begin with a short enquiry and we’ll match you to the best partners for your case.

Start now: Start Your Free Commercial Finance Enquiry — it takes under two minutes and will help us identify the most appropriate lenders and brokers for your business.

Important: Fast Business Loans is an introducer and not a lender. We do not provide regulated financial advice. Terms, rates and availability depend on each lender’s assessment and will be disclosed by them before you agree to proceed.

– Are you a lender or a broker?
A: Fast Business Loans is an introducer, not a lender, connecting UK businesses with trusted brokers and lenders who provide the finance directly.

– Who is eligible to enquire for commercial finance?
A: UK-registered companies with directors authorised to borrow and funding needs from £10,000+ can enquire, and we consider a wide range of credit profiles.

– Will submitting the enquiry affect my credit score?
A: No—the quick enquiry is not a loan application and does not affect your credit score; any credit checks happen later only if you proceed with a provider.

– How does the Fast Business Loans process work?
A: Complete a free two-minute form, we smart-match your case to suitable brokers or lenders, they contact you with quotes, and you decide with no obligation.

– What types of commercial finance can you help me compare?
A: We match businesses to providers for commercial mortgages, development finance, bridging loans, owner-occupied loans, invoice finance/working capital, and asset and equipment finance.

– How much can I borrow and over what term?
A: Partners typically offer from £10,000 to several million pounds with terms from short-term bridging (1–12 months) to long-term mortgages (5–25 years), subject to lender criteria.

– How quickly can I get funding?
A: You’ll usually hear from a provider within hours, with bridging sometimes completing in days and mortgages or development finance taking weeks depending on due diligence and documents.

– What documents will I need to provide?
A: Lenders commonly request filed and management accounts, business bank statements, director ID, and property or asset details plus an exit plan for bridging/development.

– Can you help if I have existing debt or have been declined elsewhere?
A: Yes—many partners consider refinancing, restructuring and adverse or complex cases where affordability and security can be evidenced.

– Do you charge fees or give financial advice?
A: Our matching service is free and we don’t provide regulated advice; any broker or lender fees and full terms will be disclosed by them before you proceed.