How is BestBusinessLoans.ai paid — are there introducer or broker fees?

Short answer

BestBusinessLoans.ai is free for businesses to use; we do not charge you for a Quick Quote, eligibility check, or initial introduction. We are an independent introducer and are usually paid by lenders or brokers for successful referrals or ongoing partnerships. Any broker or lender fees that a business may pay will be explained by the provider before you sign an agreement.

How our business model works

We match UK businesses with lenders and brokers using AI-driven criteria and industry experience. BestBusinessLoans.ai does not lend money and does not underwrite credit applications. Our role is to introduce businesses to relevant finance providers who may then offer terms and fees directly.

In practice, this means we act as an introducer platform that helps reduce search time and increases the chance of finding a suitable provider. We maintain relationships with a network of brokers, specialist lenders and funders across asset finance, invoice finance and other commercial finance types.

Introducer fees: who pays and when

Introducer fees are payments made to a referrer (like BestBusinessLoans.ai) by a lender or broker when a lead converts. These fees are typically paid by the lender or broker, not by the business that submitted the enquiry. The fee can be a one-off introduction fee or a percentage-based commission tied to the amount lent.

Because these arrangements are commercial agreements between businesses, exact values and structures vary by partner and product. We require our partners to be transparent about commission arrangements and to confirm any customer-facing fees before credit is agreed.

Broker fees and fees charged to businesses

Brokers sometimes charge arrangement fees, broker fees, or administration charges directly to borrowers for services such as application handling and bespoke negotiation. These borrower-facing fees are separate from introducer commissions and must be disclosed by the broker in writing. If a broker charges you, the broker will detail what the fee covers and when it is payable.

Some brokers instead waive direct fees and receive their income from lender commission embedded in the product rate. Either way, the total cost to your business — interest, fees, and any arrangement charges — should be explained clearly in writing before you commit.

Transparency, compliance and what we disclose

We follow industry best practice on transparency and consumer protection even though BestBusinessLoans.ai is not a lender and is not FCA-authorised for regulated products. Our communications are designed to be clear, fair and not misleading, aligning with FCA, ASA and Google advertising guidance. We will always state if a partner is an appointed representative, broker, or a direct lender and note any known borrower fees.

What you will see from us and partners

• Clear statement that we are an introducer and do not offer credit ourselves.
• Disclosure that we may receive referral fees or commission from partners for successful introductions.
• Instruction to ask partners for a full breakdown of any fees or charges before signing.

Practical steps and next actions

If you want to know exactly how a particular introduction will be paid, ask us or the receiving broker/lender for a written breakdown. Start by submitting a Quick Quote — it’s free and non-binding — and we will match you to providers who explain fees and terms. If you’re specifically seeking asset or equipment funding, you can learn more about options on our equipment finance information page: equipment finance.

Before you accept any offer, request a Decision in Principle or indicative terms in writing and ask your chosen provider to confirm any broker arrangement fees, commission disclosures and the effective cost of finance. If anything is unclear, ask for clarification or seek independent advice to ensure the offer meets your business needs.

Key takeaways

• BestBusinessLoans.ai is free for businesses to use and we do not charge for introductions.
• We are typically paid by lenders or brokers via referral fees or commissions, which are commercial arrangements between us and partners.
• Brokers may charge direct arrangement fees to borrowers; these must be disclosed in writing before you agree to proceed.
• Always ask for an itemised fee breakdown and a written offer before accepting finance.
• Submit a Quick Quote to get matched and to see transparent options from lenders and brokers relevant to your business.

If you’d like personal help, our UK support team can explain typical fee structures and what to expect for your sector. Submit a Quick Quote now to get a free, no-obligation match and clear next steps from lenders and brokers. For questions, email hello@bestbusinessloans.ai.