Do you offer advice, or are you an introducer only?

Short answer: we are an introducer only. BestBusinessLoans.ai does not provide financial advice, credit broking, or lending; we use AI to match your business with suitable, FCA‑authorised lenders or brokers who can discuss your requirements and, if appropriate, provide regulated advice.

Any recommendation or quote is given by the finance provider you choose to engage with, not by us. We always aim to make our information clear, fair, and not misleading, helping you make confident, informed decisions.

Updated October 2025

Introducer‑only explained — what you can expect

Our role in your finance journey

Best Business Loans is a UK introducer that helps established companies find relevant business finance providers quickly. We use AI‑driven matching and practical market insight to connect you with lenders or brokers who are active in your sector. Submitting a Quick Quote is free, with no obligation to proceed.

What “no advice” means in practice

We do not assess the suitability of any finance product for your specific circumstances. We do not recommend one provider over another based on regulated advice standards. Instead, we provide general information and introductions so you can explore options with authorised professionals.

Who gives you tailored guidance

Once we make an introduction, the authorised lender or broker will explain products, assess suitability, and provide any required regulatory disclosures. They will confirm key terms, fees, and risks before you decide whether to proceed. If advice is appropriate, it will be delivered by that authorised firm.

Why this model helps UK businesses

The business finance market moves quickly, and criteria vary widely between providers. Our model saves time by narrowing the field to relevant, credible options that are more likely to fit your profile. You remain in full control of whether to proceed, decline, or keep comparing.

Transparency and plain English

We prioritise clarity over hype. We don’t claim to have every lender, and we don’t promise the lowest rate every time. Our promise is simpler: fast, relevant introductions to trusted finance providers, so you can make informed choices with confidence.

How our matching and introduction process works

Step‑by‑step: from Quick Quote to conversation

Step 1 — Quick Quote: Share basic details about your business, sector, funding purpose, and amount required. It takes minutes and does not obligate you to proceed. Accuracy helps us match you more effectively.

Step 2 — AI analysis: Our system reviews your profile against funding types and market availability. We focus on lender appetite, sector fit, and typical ticket sizes. This reduces wasted applications and helps protect your credit footprint.

Step 3 — Introduction: We connect you with one or more lenders or brokers who may be able to help. You’ll speak directly to them to discuss terms, documentation, and next steps. They will outline fees and provide any risk warnings as required.

Step 4 — Decision in Principle: Where available, providers may offer a Decision in Principle or an initial eligibility view. This is always subject to full underwriting, affordability checks, and verification of your information.

Step 5 — You decide: Compare offers, ask questions, and proceed only if you’re satisfied. There’s no obligation to accept a proposal, and you can request additional introductions if you wish.

Credit searches and affordability

Eligibility checks may involve soft searches initially, but some providers may carry out hard credit checks if you proceed. The provider will obtain your consent before any hard search. All lending is subject to status, creditworthiness, and affordability.

Important notices

We are not a lender and do not set rates, fees, or terms. All pricing and terms are set by the provider and may vary by sector, risk, and security. Final decisions, timelines, and amounts remain at the provider’s discretion.

Typical timelines

Simple working capital facilities can be quick once documents are in order. Asset and equipment finance often move efficiently when quotes and invoices are ready. Complex cases or refinances may take longer due to valuations, security reviews, or legal work.

Compliance, fairness, and how we’re paid

Clear, fair, and not misleading

We build our content to be clear, fair, and not misleading, aligning with the FCA’s financial promotion standards and UK advertising rules. Although we don’t provide regulated advice, we maintain high transparency standards to support informed decisions. Claims are measured, contextual, and subject to status.

FCA status and partner oversight

Best Business Loans operates as an introducer; we do not offer regulated advice or lending. Any firm we introduce you to will be responsible for complying with relevant FCA rules and for providing required disclosures. If advice is provided, it is delivered by an authorised firm, not by us.

Fees and commissions

We may receive an introducer fee or commission if you take out finance with a provider we introduce. This does not alter your obligation to review the provider’s terms carefully. Where a broker charges a fee to you directly, they will disclose this clearly before you agree to proceed.

Data use and privacy

Your information is handled securely and shared only with finance professionals relevant to your enquiry. We never sell your data, and we respect your communication preferences. You can request to update or delete your data in line with applicable data protection laws.

Advertising standards and Google policies

We avoid exaggerated claims, hidden conditions, or pressure tactics. We encourage you to consider costs, terms, and risks before committing to any agreement. Our aim is to help you compare options responsibly and choose the right route for your business needs.

Who we help and common scenarios

Sectors we commonly support

We focus on established, trading businesses with a clear funding purpose and demonstrable affordability. Typical sectors include construction, manufacturing, logistics, healthcare, retail, professional services, and automotive. We also assist leisure and hospitality businesses, including those seeking pubs and hospitality finance.

Funding types you can explore

• Working capital and cashflow loans
• Asset and equipment finance
• Vehicles and fleet finance
• Invoice finance and selective invoice discounting
• Fit‑out and refurbishment finance
• Sustainability and energy‑efficiency funding
• Refinance and consolidation options
• Growth Guarantee Scheme (eligibility dependent)

What we don’t currently support

We do not currently support start‑ups, sole traders, franchises, property finance, or commercial mortgages. Our network focuses on non‑property commercial funding for established UK businesses. If your situation changes, you’re welcome to check back as our panel evolves.

When our model adds most value

You’re time‑pressed and want to avoid contacting dozens of providers. Your sector has specific underwriting nuances and you want a provider with live appetite. You have a clear purpose and want to compare options without harming your credit profile unnecessarily.

What a good application looks like

Clear funding purpose, realistic amount, up‑to‑date management information, and clean documentation. Demonstrable affordability and a plan for repayments. Willingness to provide requested evidence to support underwriting.

Next steps, quick checks, and key takeaways

Get a Quick Quote or Decision in Principle

Complete our Quick Quote to receive relevant introductions. Many providers can offer an early eligibility view or Decision in Principle, subject to underwriting. You’re free to proceed, decline, or compare further options.

How to prepare before you apply

• Have recent accounts and management information ready.
• Gather key documents such as bank statements and ID.
• Clarify the funding purpose, amount, and timeline.

What to ask the provider

• All costs, fees, and the APR or total charge for credit where applicable.
• Term length, repayment structure, security, and early settlement terms.
• Whether the credit search will be soft or hard and when it occurs.

Key takeaways

• We are an introducer only and do not provide financial advice.
• Introductions are made to FCA‑authorised lenders or brokers who provide quotes and, if appropriate, advice.
• All finance is subject to status, affordability, and underwriting.
• We may receive an introducer fee if you proceed with a provider we introduce.
• Submitting a Quick Quote is free and without obligation.

Ready to explore suitable providers? Start your Quick Quote for an eligibility check or Decision in Principle. It’s fast, secure, and designed to save you time.