No. We do not lend money or make credit decisions. We help established UK businesses find and connect with relevant lenders or brokers for their needs.

Will you recommend a specific lender or product to me?

We do not recommend one specific lender or product. We introduce you to relevant providers based on your business profile and funding purpose. If regulated advice is needed, that will be given by the provider.

Do you charge me a fee?

Submitting an enquiry is free and without obligation. If you proceed with a provider we introduced, we may receive a commission from that provider. This does not affect the terms you are offered.

What information do I need to start?

To begin, share your company details, funding purpose, and desired amount. Providers may request additional documents such as bank statements, management accounts, asset lists, or aged debtor reports depending on the product type.

Do you provide financial advice or recommendations on specific products?

Q: Do you provide financial advice or recommendations on specific products?

No. Best Business Loans is a non-advisory introducer. We do not provide personalised financial advice or recommend specific products. Any advice or recommendation is provided by FCA-authorised lenders or brokers we introduce you to, where applicable.

Short answer: No — we don’t give financial advice or recommend specific products

Best Business Loans is a non-advisory introducer that helps established UK businesses explore suitable finance options and connect with relevant lenders or brokers. We don’t offer loans, provide regulated financial advice, or recommend one specific product over another. Any advice or product recommendation comes directly from the FCA-authorised finance professionals we introduce you to, where applicable.

Our role is to make your search easier by using AI-driven matching and an established network of providers to point you towards potential routes. You stay in control, compare options, and make the final decision that fits your business. If you need regulated advice, the provider we introduce you to will handle that part.

What we do — and don’t do — in plain English

Our role in your business finance journey

We help you understand which types of business finance may be relevant, based on your sector, funding purpose, and profile. Our platform then introduces you to lenders or brokers who appear to be a good fit for your needs. This saves you time approaching multiple firms, repeating details, and filtering unsuitable options.

We focus on commercial funding for established UK businesses, including asset finance, invoice finance, equipment and vehicles, cashflow solutions, and refurbishment or fit-out funding. We also help with refinance and certain government-backed schemes where available. We do not currently support start-ups, sole traders, franchises, property finance, or commercial mortgages.

What we don’t do (important)

We don’t provide personalised financial advice, regulated guidance, or a recommendation on a single best product. We don’t guarantee approval, lowest rates, or outcomes, and we never pressure you to proceed. We are not a lender, we don’t make credit decisions, and we don’t complete regulated advisory activities.

When you need regulated recommendations, you’ll receive them from the FCA-authorised lender or broker we connect you with. They will explain features, benefits, risks, eligibility, and total costs in line with the “clear, fair, and not misleading” standard. You can then assess the terms and decide whether to proceed.

How our non-advisory matching works (simple steps)

Step-by-step overview

Step 1 — Tell us about your business: Complete a quick, no-obligation online form with your funding purpose, amount, and basic company details. Step 2 — AI-powered filtering: Our system analyses your profile and identifies providers who are active in your industry and open to your use case. Step 3 — Introductions: We connect you with relevant lenders or brokers so you can compare what’s on offer and ask detailed questions.

Step 4 — Provider discussion: The provider explains eligibility, timescales, costs, and documentation requirements. If regulated advice is needed, they will deliver it or signpost it appropriately. Step 5 — You choose what’s best: You remain in control and decide whether to proceed, seek alternative quotes, or pause the process.

What you can expect after you submit

You’ll typically receive a call or email from one or more matched providers to clarify your requirements and discuss next steps. You might be asked for management accounts, bank statements, asset lists, or aged debtor reports, depending on the product type. Some providers can issue an initial eligibility view or an indicative Decision in Principle, subject to full underwriting.

Compliance and quality assurance

We design our communications to meet UK standards for fairness and clarity, even though we’re a non-advisory introducer. We avoid exaggerated claims and ensure you see important qualifiers, limits, and assumptions. Providers we introduce are responsible for their own compliance, disclosures, and advice where required by the FCA.

When you’ll need regulated advice — and who gives it

When advice is appropriate

You may need regulated advice if you want a personalised recommendation comparing specific financial products. This is common if you’re weighing nuanced differences in terms, fees, securities, and risks. It’s also relevant where consumer-credit rules apply, or where product complexity requires suitability assessments.

In these cases, the lender or broker we introduce you to — who is authorised where required — will deliver the advice. They must ensure promotions and explanations are “clear, fair, and not misleading,” and that material risks and limitations are disclosed. They should also provide pre-contract information and total-cost clarity before you commit.

Information vs. advice — the key difference

We provide general information to help you navigate the market, such as product overviews, typical use cases, and common eligibility factors. We do not tell you which provider or product to choose or tailor advice to your circumstances. That personalised recommendation, if needed, will come from an FCA-authorised professional.

For sector-specific context, you can explore resources such as our page on engineering business loans. This helps you prepare for discussions with matched providers by understanding typical funding routes used in your industry. It also improves your questions and speeds up decision-making.

Our transparency promises (fees, impartiality, and eligibility)

Clear, fair, and not misleading — what that means for you

We avoid unrealistic promises and present benefits alongside limitations. We signpost when products are subject to status, credit checks, affordability, and underwriting. We encourage you to compare options and take professional advice where relevant.

Fees and how we get paid

Submitting an enquiry to Best Business Loans is free and without obligation. If you proceed with a provider we’ve introduced, we may receive a commission from that provider. This does not change the terms you are offered, and we do not charge you a fee for using our introduction service.

Impartial matching and eligibility

We match based on your business profile, sector, funding purpose, and the appetite of providers in our network. We don’t rank providers by commission, and we never claim to scan every lender in the market. Eligibility, rates, and limits are determined by the provider, your financials, security position, and credit profile.

Who we help — and who we don’t

We support established UK companies across sectors like construction, manufacturing, logistics, healthcare, and professional services. We commonly help with cashflow loans, asset and equipment finance, invoice finance, vehicles and plant, refits, and sustainability upgrades. We don’t currently support start-ups, sole traders, franchises, property finance, or commercial mortgages.

If you’re unsure whether your business fits, submit a Quick Quote for an eligibility view. You’ll receive introductions only where there’s a realistic potential fit. You can walk away at any point without obligation.

Practical next steps, FAQs, and key takeaways

How to get started (quick and easy)

Complete a Quick Quote with your company details, funding purpose, and desired amount. Our system runs initial checks and indicates suitable provider types. You’ll then be contacted by one or more providers to explore options, documents, and timescales.

If a provider can offer an indicative Decision in Principle, they will explain what it means and what remains outstanding. Final approval always depends on underwriting, due diligence, and your circumstances. You choose whether to proceed once you understand costs, commitments, and risks.

Quick FAQs

Do you provide financial advice? No — we’re a non-advisory introducer. Any regulated advice is given by the FCA-authorised provider we introduce you to.

Will you recommend a specific product? No — we introduce relevant options and you decide what’s best. A provider may make a recommendation if regulated advice is appropriate.

Can you guarantee approval or the lowest rate? No — outcomes, rates, and terms depend on providers and your business profile. We aim to help you find viable options faster and with less hassle.

Key takeaways

We don’t provide financial advice or recommend specific products.
We introduce you to relevant, FCA-authorised lenders or brokers where applicable.
You stay in control and can compare options without obligation.
All promotions aim to be clear, fair, and not misleading.
Submit a Quick Quote to check eligibility and get matched fast.

Updated: October 2025

Why this approach protects your decision-making

Separating information from advice helps you avoid pressure and bias. You get clear market context and access to professional, regulated conversations when you need them. That means better-informed choices and fewer surprises after you sign.

Our platform is built to respect UK rules from the FCA, ASA, and Google’s financial advertising standards. We work to keep communications accurate, balanced, and practical. That’s how we support smarter, faster funding decisions for UK businesses.

Next step: Get your free Quick Quote

It takes a couple of minutes to submit your details. We’ll introduce you to relevant providers for an eligibility view or indicative terms, subject to underwriting. There’s no obligation, and your information is handled securely and confidentially.

Additional compliance notes and helpful references

For information on financial promotions standards, see the Financial Conduct Authority’s guidance and Handbook. To learn about UK business finance schemes, visit the British Business Bank. If you receive regulated advice, the advising firm should be listed on the FCA Register.

Important: Finance is subject to status, credit checks, affordability, and underwriting. Terms, fees, and eligibility vary by provider and may change. Always review agreements carefully and ask the provider to explain anything you don’t understand before committing.

Author and editorial standards

This page was prepared by Best Business Loans’ UK editorial team, drawing on experience across commercial finance, asset-based lending, and SME operations. Content is reviewed periodically to maintain accuracy and clarity. If you spot an issue, contact hello@bestbusinessloans.ai.