Do you charge any fees, and how are you paid as an introducer?
Short answer
No — Best Business Loans does not charge you a fee to submit an enquiry, receive matches, or be introduced to a finance provider. We’re paid by lenders or FCA-authorised brokers if you choose to proceed and your finance completes. Any provider or broker fees, if applicable, will be disclosed to you clearly before you sign anything.
Our fee policy — clear, fair, and not misleading
Best Business Loans is an independent introducer and comparison platform for UK commercial finance. We do not lend money and we do not charge customers any upfront or ongoing platform fees. It is free to submit a Quick Quote or eligibility check.
When you use our service, you’re asking us to help you identify suitable finance types and introduce you to relevant lenders or brokers. That introduction, and the support you receive to reach that point, is provided at no cost to you by Best Business Loans.
If you choose to proceed with a recommended lender or broker and your facility completes, we may receive an introducer commission from the provider. This is a common industry practice and helps us keep the service free for business users.
Commission does not change your legal rights, the documents you’ll receive, or your ability to compare other offers. You remain free to accept or reject any offer, and there is no obligation to proceed.
We believe financial information should be “clear, fair and not misleading.” While we are not regulated by the FCA, we aim to follow the spirit of those rules so you can make informed decisions with confidence.
Who pays us, and when?
We are typically paid by the lender or the FCA-authorised broker we introduce you to if, and only if, your finance is successfully drawn down. We do not accept or handle any customer funds at any stage.
Depending on the product, a provider may pay a fixed introducer fee, a tiered fee, or a small percentage of the amount funded. If you would like details of any commission that may be paid relating to your case, just ask and we will provide it.
What you might pay — transparent scenarios
There is no fee payable to Best Business Loans for enquiries, matching, or introductions. However, some finance providers or brokers charge their own fees, and we want to be transparent about when that could apply.
Below are common scenarios in UK commercial finance, to help set expectations. Your adviser or lender will confirm any fees in writing before you sign an agreement.
- Broker or arrangement fee: Some FCA-authorised brokers charge a fee for arranging complex facilities, usually disclosed in a Broker Agreement or Terms of Business.
- Lender fees: A lender may apply assessment, documentation, or set-up fees. These are normally shown on your offer letter or agreement.
- Third-party costs: For some products, valuation, inspection, legal, or registration costs can apply and are paid to the third party or added to the facility.
- Interest, charges, and early settlement: Standard costs of borrowing, including interest and any early repayment terms, are set by the provider and disclosed in your offer.
Best Business Loans does not mark up, apply, or collect any of these charges. We will always encourage partners to present fees plainly, with no jargon and no surprises.
Typical charging points in business finance
Short-term working capital products may include a one-off set-up fee alongside interest or a fixed charge. Asset finance can include documentation fees and optional end-of-term costs.
Invoice finance usually includes a service fee and a discount rate; some providers also charge audit or facility fees. Specialist or secured facilities may include valuations or legal costs.
Your offer will outline all costs before you decide. If anything is unclear, ask the provider to explain it in writing and request a full fee schedule.
How we’re paid — and how we stay impartial
We are paid by the lender or by the FCA-authorised broker we introduce you to, if your facility completes. The commission is agreed between us and the provider; it does not add a separate cost from Best Business Loans to you.
Our role is to help you find a suitable route, not to promote the highest-commission option. We assess suitability using information you provide and by considering product fit, sector appetite, and provider track record.
We can disclose whether commission will be paid on your case and, where requested, explain how that commission is calculated. This supports transparency and helps you compare options fairly.
Please note: we do not provide regulated advice. We present options from our network so you can make your own informed choice, with no pressure to proceed.
We regularly review our panel to prioritise active, reputable, and responsive funders and brokers. If we receive complaints about fees or service, we will reassess that relationship.
Our commitment to “clear, fair, and not misleading”
We aim to mirror FCA standards for financial promotions, even though we’re not regulated. That means plain language, balanced information, and honest expectations.
We will never guarantee approval, advertise teaser rates as typical, or suggest that finance is right for every business. Credit is subject to status, affordability, and provider criteria.
Where a broker or lender proposes a fee, they must show it to you clearly, in writing, before you sign. If we learn a partner has not done this, we will take action.
Disclosures, your rights, and what to expect next
Before you proceed, you should receive key information in writing from the provider or broker. This includes fees, rates, term, security, and any special conditions.
Business finance does not always include the same cancellation rights as consumer credit, and “cooling-off” rules vary by product. If cooling-off is important to you, ask the provider to confirm the position in writing.
You’re free to compare other quotes at any time. Our introduction is non-exclusive, and there’s no obligation to proceed with any option we present.
Simple steps to proceed without surprises
- Start a Quick Quote: Share basic details about your business, funding purpose, and amount required. This is free and takes a few minutes.
- Pre-screening: Our system identifies likely product types and active providers for your sector and circumstances.
- Introduction and terms: We connect you with a relevant lender or FCA-authorised broker. They’ll outline fees, rates, and terms in plain English.
- Due diligence: Provide documents for underwriting. Ask for a full breakdown of any fees and charges before you sign.
- Decision and drawdown: If you approve the offer, proceed to completion. We may receive commission from the provider at this stage.
If you ever feel pressured, or see unexpected fees, pause and ask for clarification. You’re in control, and we are here to help you navigate the process.
Ready to check eligibility with no obligation? Submit your Quick Quote today for a fast, free introduction to suitable providers.
FAQs, sector examples, and key takeaways
We support established UK businesses across sectors such as construction, manufacturing, logistics, healthcare, hospitality, and professional services. We also help asset-rich industries like agriculture find relevant finance routes.
If you’re exploring funding for equipment, vehicles, or seasonal cash flow in agriculture, see our resource on farming and agriculture business finance. It explains common facility types and what information providers typically need.
Below are concise answers to common questions about fees, commission, and disclosures. You’ll also find our key takeaways to recap the essentials.
Frequently asked questions
Do you charge me to use Best Business Loans? No. Enquiries, matching, and introductions are free for UK businesses using our platform.
How are you paid? If you proceed and your finance completes, we may receive an introducer commission from the lender or FCA-authorised broker.
Will I ever be charged a broker or lender fee? Possibly — depending on the provider and product. Any such fee must be disclosed to you clearly before you sign.
Does your commission change my rate? Providers set their pricing. Our commission does not add a separate Best Business Loans fee to your quote. You’re free to compare other offers.
Can you disclose your commission? Yes — ask us, and we will explain whether we expect to be paid commission on your case and how it is calculated.
Are you FCA-authorised? We act as an introducer and are not FCA-authorised. We introduce you to lenders or brokers who are authorised where required.
Key takeaways
- We do not charge you a fee for enquiries, matching, or introductions.
- We may receive commission from a lender or FCA-authorised broker if your finance completes.
- Any broker or lender fees are disclosed in writing before you proceed.
- You’re under no obligation to accept any offer — compare and choose what’s best for you.
- Credit is subject to status, affordability, and provider criteria; terms and fees vary by product.
Start your finance journey today. Complete a Quick Quote for a fast eligibility view and introductions to suitable providers — with no fees from us and no obligation.
Important information and compliance notes
Best Business Loans operates as an independent introducer to UK commercial finance providers. We do not offer loans directly, provide regulated advice, or handle client money.
Our content aims to be clear, fair, and not misleading, in line with UK regulatory expectations for financial promotions. Always rely on the provider’s formal documentation for final terms and costs.
Eligibility and approval are not guaranteed. Finance is available to UK businesses only, typically limited companies and LLPs; we do not currently support start-ups, sole traders, franchises, property finance, or commercial mortgages.
Updated: October 2025
Need assistance? Email hello@bestbusinessloans.ai or visit www.bestbusinessloans.ai. Submit your Quick Quote to see options without obligation.