Do you charge any upfront or hidden fees for the Quick Quote?
The short answer and what the Quick Quote covers
No—Best Business Loans does not charge any upfront or hidden fees for your Quick Quote. Submitting an enquiry on BestBusinessLoans.ai is completely free, with no obligation to proceed. You can request an eligibility check or Decision in Principle-style guidance without paying us a penny.
Our role is to help UK businesses navigate the finance market and connect with suitable lenders or brokers. We are an independent introducer and we do not lend money or provide regulated financial advice. The Quick Quote is simply a fast, guided way to understand potential funding routes.
When you complete the Quick Quote form, our AI-based matching process analyses your profile and funding needs. We then introduce you to providers who appear relevant for your business, sector, and purpose. You decide if and when to engage a provider, and you remain in control throughout.
What “fee-free” means in practice
Submitting your details on our platform does not incur any cost from us. We will not ask you for payment details, deposits, or a membership fee to obtain a Quick Quote. There is no subscription or “release” charge to view your potential options.
What the Quick Quote includes
You can expect an initial indication of suitable finance types and potential provider matches. In many cases you may receive early eligibility signals or a non-binding outline from a provider. All figures are illustrative until a provider completes its own assessment and issues formal terms.
When costs might arise later (not from us)
Some lenders or brokers may charge arrangement, documentation, or success fees—if you choose to proceed with them. These are not charges levied by Best Business Loans. Any such costs must be disclosed by the provider before you commit to anything.
How we are paid and how fees work with partners
Best Business Loans operates as an introducer. We do not add our own fees to your quote and we do not charge businesses for using our Quick Quote service. Instead, we may earn a commission from a lender or broker if a successful introduction leads to a completed agreement.
Commission is a standard industry model and helps keep our service free at the point of enquiry. It does not affect your ability to review, compare, or decline options. You are never obliged to proceed, and you can stop at any time.
We prioritise transparency. If you would like details about how we are remunerated for a specific introduction, ask us and we will explain it clearly. Your chosen provider will also disclose any costs that apply to you before you sign.
Commission-based model explained
When an introduction results in funded finance, a lender or broker may pay us an introducer fee. This is a commercial arrangement between us and the provider. It allows us to support businesses without charging for the Quick Quote.
Does our commission change your price?
Our commission should not increase what you pay to the lender or broker. Providers are required to present their fees, rates, and charges clearly and fairly. Always read your agreement, as costs vary by product, provider, and your business profile.
If a broker or lender charges you a fee
Some brokers levy a customer-facing arrangement or success fee, and some lenders charge documentation or facility fees. These are not our charges. They must be disclosed by the provider before you commit, and you should only proceed if you are comfortable.
Transparency, compliance and what to expect
We aim to meet the spirit of UK regulatory guidance for financial promotions: clear, fair, and not misleading. While Best Business Loans is not FCA-authorised to lend or provide regulated advice, we follow best practice in how we present information. Our content is designed to help you make informed choices.
Google’s advertising policies and UK advertising standards expect clear disclosures and balanced information. We never guarantee funding, the lowest rate, or instant approval. Eligibility, rates, and terms always depend on the provider’s assessment of your business.
Providers will share full cost information before you accept any offer. This may include interest, arrangement fees, documentation fees, early repayment charges, and any broker fees. If anything is unclear, ask the provider to explain before you sign.
What happens after your Quick Quote
After matching, you may be introduced to one or more suitable lenders or brokers. They may request additional information to verify details. Based on your documents, they may provide an offer, a decline, or an alternative option.
Credit checks and your consent
Some providers may perform a soft or hard credit check during assessment. They should explain the type of search and request your permission before proceeding. If you have concerns about credit footprint, ask the provider to confirm their process in writing.
Important reminders about business finance costs
- Business finance pricing varies by sector, security, credit profile, and facility type.
- Always review total cost of finance, not just the headline rate.
- Check for early repayment charges, minimum terms, or renewal fees.
FAQs about fees and eligibility
Do you charge any upfront or hidden fees for the Quick Quote?
No, we do not charge any fees for submitting a Quick Quote or eligibility check via our site. There are no hidden platform fees or subscription costs. You are free to proceed or walk away at any time.
Will you ever ask for my card or payment details?
No, we do not request payment details for the Quick Quote. If a provider ever needs to discuss fees, they must disclose them clearly and gain your consent. You should never pay a fee unless you fully understand what it covers.
Is the Quick Quote a formal offer or financial advice?
No, the Quick Quote is an initial, non-binding indication to help you gauge options. We do not provide financial advice or lend money. Any formal offer will come directly from a lender or broker after their assessment.
Could a lender or broker charge me a fee later?
Yes, some providers may charge arrangement or documentation fees if you proceed. Those charges are set by the provider and must be disclosed before you accept terms. Best Business Loans does not add fees to your quote.
Does Best Business Loans earn commission?
We may receive a commission from a provider if a completed agreement results from our introduction. This does not change the obligation for the provider to present fair pricing. We are happy to explain our remuneration on request.
Do you support start-ups or sole traders?
At present, we focus on established UK businesses and do not support start-ups, sole traders, franchises, property finance, or commercial mortgages. This helps us keep matches relevant and realistic. If your business is established and operating in asset-rich or operational sectors, we may be able to help.
What sectors do you help most often?
We commonly assist construction, manufacturing, logistics, automotive, hospitality, healthcare, and professional services. For example, we support pubs, bars, and hospitality operators seeking working capital or fit-out finance. Learn more in our guide to pubs business loans and funding options.
Will applying harm my credit score?
Completing our Quick Quote does not create a credit footprint with us. However, providers may conduct soft or hard checks with your consent as part of their process. Always confirm the type of check before you proceed.
What documentation might providers request?
Common requests include filed accounts, recent bank statements, management accounts, ID and address verification, and details of existing finance. Asset finance and invoice finance may require additional schedules. Providing accurate information helps secure faster, clearer decisions.
How to get your fee-free Quick Quote
Getting started is simple and takes a few minutes. There is no charge to submit your details, and there is no obligation to proceed. You will remain in control at every step.
Steps to your Quick Quote
- Complete the Quick Quote form with your business details and funding purpose.
- Our AI engine analyses your profile against active providers in our network.
- We introduce you to relevant lenders or brokers who may be able to help.
- Review non-binding indications, provide documents if requested, and compare options.
- Proceed only if the terms work for your goals and cash flow.
What you will need
Have your company number, turnover range, and funding amount in mind. If available, prepare recent bank statements and management information. The more accurate your inputs, the smarter the match.
How we protect your data
We handle your information securely and share it only with relevant finance professionals connected to your enquiry. We never sell your data. You can ask us how your information is used at any time.
Our promises on clarity and fairness
We will not charge you for the Quick Quote or add hidden platform fees. We will make our role and remuneration clear on request. We will never guarantee funding or claim to have every lender, and we will encourage you to compare before committing.
Key takeaways
- Best Business Loans does not charge any upfront or hidden fees for the Quick Quote.
- We may earn commission from a provider if an introduction completes, not from you for enquiring.
- Some lenders or brokers may charge fees if you proceed, and they must disclose them clearly first.
- Your Quick Quote is free, no-obligation, and designed to help you make informed decisions.
- Updated October 2025: Always review total cost of finance and ask providers to explain any fees.
Ready to explore funding options with zero upfront cost from us? Submit your Quick Quote now and let our AI matching connect you with relevant UK finance providers. Fast, secure, and no obligation.