Do you lend directly, or do you introduce me to lenders and brokers?
Short answer
We do not lend directly. Best Business Loans acts as an independent introducer that connects established UK businesses with lenders and brokers who may be able to provide suitable finance.
We use AI-driven matching and an experienced network to suggest relevant providers, but you remain in control of any application and agreement you choose to proceed with.
How Best Business Loans operates
Best Business Loans does not provide credit, deferred payment arrangements, or loan products. We are a technology-led introducer that helps businesses discover finance options and meet lenders or brokers who specialise in their sector.
Our platform asks a few simple questions via a Quick Quote form and uses intelligent matching to shortlist potential funding routes. We match your business profile to lenders and brokers that are actively lending in the UK market for the finance type you need.
When you submit an enquiry you get access to a streamlined eligibility check and introductions, not a direct loan contract from us. Any credit decision or formal offer always comes from the lender or broker you choose to engage with.
What being an introducer means for your business
Being an introducer means we focus on matching and information, not on underwriting or servicing loans. This model helps you save time by avoiding cold approaches to dozens of providers and instead being introduced to those most likely to suit your needs.
We present options, explain differences in funding types, and can connect you with brokers who can give hands‑on support for complex cases. We do not charge you a fee to submit a Quick Quote, and we do not retain the right to decide your finance — that always rests with the lender or broker.
Because we are not a lender, you will receive any valuation, credit decision, or offer directly from the finance provider. That separation helps keep the process transparent and reduces the chance of conflicts of interest in making a lending decision.
Who we introduce you to: lenders, brokers and specialist providers
We connect businesses to a mix of direct lenders, specialist finance houses, and regulated brokers depending on the product and your profile. Typical introductions include asset finance companies, invoice finance providers, vehicle and fleet funders, and invoice discounters.
If your project involves energy efficiency or green upgrades, we can introduce you to lenders or brokers who specialise in sustainability finance and related incentives. For example, you can learn more about sustainability loan options on our sustainability loans page: Sustainability Loans.
Where a broker can add value — for instance when multiple quotes or bespoke structuring is needed — we will suggest regulated brokers who can manage negotiations, support documentation and, where authorised, provide regulated advice. A broker may charge fees or receive commission from providers; we will make any such relationships clear before an introduction is made.
How the introduction process works and what to expect
Start by completing our Quick Quote form. It takes a few minutes and collects basic details about your business, funding need, sector and desired amount.
Our AI reviews your details against our network and suggests the most suitable provider matches. We then introduce you to one or more providers by sharing your enquiry (with your consent) so they can perform an eligibility check or Decision in Principle (DIP).
The provider or broker you choose will request further information, complete their own credit assessment, and, if successful, issue an offer. Timescales vary by product and provider, but most business finance enquires produce a DIP or initial response within days rather than weeks.
Risks, compliance and how we protect you
Best Business Loans is not FCA-authorised to lend or give regulated financial advice, and we do not pretend otherwise. We operate as an introducer and comply with advertising and financial promotion standards to ensure our content is fair, clear and not misleading.
We will always state clearly when a provider is regulated and when certain products are outside its remit. You should confirm with any lender or broker whether the product is regulated, whether advice is being given, and what fees or commissions may apply.
Your data is shared only with selected providers relevant to your enquiry, and we will not sell your information. You can withdraw consent or request further information about how we handle your data at any stage.
Quick checklist — what to look for when we introduce a lender or broker
Check whether the provider is regulated for the product you need. Confirm any fees, commission, or how the broker is paid before you accept an offer.
Ask for a clear repayment schedule and the total cost of credit where applicable. If anything is unclear, ask the provider or broker to explain the terms in plain language.
How we’re different from a direct lender
Direct lenders underwrite loans and hold the credit risk on their books. They make contract offers and manage accounts for the life of the loan.
By contrast, our role ends at introduction and initial matching unless you authorise further support. We do not issue loan agreements, set rates, or collect repayments.
Common questions we see from businesses
“Who pays Best Business Loans?” — We are typically paid by partner providers or brokers for successful introductions, or by partners for platform access. We will disclose potential conflicts and any referral arrangements relevant to your case.
“Can you guarantee I’ll get finance?” — No. We cannot guarantee credit decisions because those are made by the lender or broker after full assessment. What we can guarantee is a faster route to relevant providers and clearer options to consider.
Next steps — get a Quick Quote and check your eligibility
If you want an efficient eligibility check, complete our Quick Quote form to get matched to suitable lenders or brokers. It’s free, confidential, and non-binding.
Once matched, you can choose to proceed with one or more providers and request a Decision in Principle or a full application. Our team is on hand if you want help understanding the options before you commit.
About Best Business Loans — credentials and contact
Best Business Loans combines AI matching technology with sector experience to help established UK SMEs explore appropriate finance routes. We do not lend directly and operate independently as an introducer.
For support before submitting a quote email hello@bestbusinessloans.ai or use the Quick Quote button on our site. We will clearly explain our process, the partners we may introduce you to, and what to expect from any subsequent application.
Key takeaways
We do not lend directly — we introduce you to lenders and brokers who may lend to your business. Our AI matching saves time and increases the likelihood of relevant introductions.
All final offers and credit decisions come from the lender or broker. We encourage you to check regulation, fees and terms with any provider before agreeing to a product or service.
Author
Written by the Best Business Loans team. Our content is informed by experience connecting UK SMEs with commercial finance providers and by industry best-practice on transparency and consumer protection. For more about our approach and data-handling policies, visit our site or email hello@bestbusinessloans.ai.