Will you disclose any commissions or fees paid to you by providers?
Short answer: Yes — we’ll always be clear, fair and not misleading
Yes. Best Business Loans will always disclose if we may receive a commission or referral fee from a lender or broker, and we’ll tell you whether you may pay any fees to a third party. We believe in clear, fair and not misleading information, in line with FCA and ASA principles, even though Best Business Loans is not itself authorised or regulated by the Financial Conduct Authority and does not provide credit broking or lending.
We don’t charge you to use our website or to submit a Quick Quote enquiry. If we are paid by a provider for making an introduction, we will make that clear before or at the point of introduction and confirm the details in writing.
Where any additional fees may apply — for example, a broker fee, arrangement fee, valuation fee or legal cost — we will highlight this as early as possible and ensure you receive the relevant provider disclosure before you decide to proceed.
What we disclose and when
- Whether we expect to receive a commission or referral fee from a provider if you proceed.
- Whether you may be charged any third-party fees by a lender or broker, and when they would be payable.
- How our matching process works, and the fact that we prioritise suitability and eligibility over remuneration.
We will provide this information during your initial enquiry journey, and follow up by email with a written summary. You can also request a full breakdown of any remuneration at any time.
Who pays us and how it works
We act as an independent introducer that helps UK businesses find suitable finance providers. When an introduction leads to a successful application and drawdown, the lender or broker may pay us a fixed fee or a percentage-based referral commission.
Your cost of finance should not be higher because you used our website. We do not add any margin to rates or fees quoted by third parties, and we do not take payments from customers for introductions.
If a broker in our network charges you a fee for their services, they will tell you directly and provide written terms before you agree to proceed.
Our remuneration policy in detail
Our goal is to help you make an informed decision with full clarity on how we are compensated. The exact amount and structure of any commission varies by provider, product type and the value of funding drawn.
Commission is typically either a fixed introducer fee for a completed deal or a percentage of the funded amount. We will confirm the nature of any commission upon request and provide a summary of how our remuneration relates to your case.
If we become aware of any change to fees or commissions that could reasonably influence your decision, we will update our disclosure promptly and notify you.
Does commission affect your price or our recommendations?
No. We do not design our AI matching system to prioritise providers that pay us more. Our ranking focuses on suitability, indicative eligibility, sector appetite, product fit, service standards and speed.
In most cases, the rates and fees you are quoted by a provider are the same whether you approach them directly or through an introducer. Always review provider documentation carefully and ask questions if anything is unclear.
Where two providers look similar, we’ll explain the factors that led to the match so you can choose with confidence.
How we prevent conflicts of interest
- No pay-to-play listings. We do not sell top placement in our matching results.
- Suitability-first logic. Our system scores providers on product fit and likely eligibility for your profile.
- Disclosure on request. You can ask us for a written explanation of how matches were determined.
- Commission transparency. We disclose whether we may be paid and confirm the basis of payment.
Requesting a written disclosure
At any time, you can request a written statement outlining whether we expect to receive a commission and, if known at that point, the basis of calculation. Email hello@bestbusinessloans.ai with your enquiry reference and we will respond as quickly as possible.
We will also reiterate provider fee disclosures as they are supplied, so you can track the total cost of finance before you commit. Our aim is to equip you with the information to decide what is right for your business.
For clarity, we cannot always state an exact commission figure at the initial match stage, because it may depend on the final amount funded and product structure. We will still explain the type of commission and when it becomes due.
Fees you might pay — and how we make them clear
Best Business Loans does not charge you a fee to use our site or to submit a Quick Quote. We also do not accept payments from users for introductions, matching or initial support.
However, finance providers can have their own fees, which vary by product and complexity. Before you proceed, you should expect written details of all fees payable to any third party.
Common fees you may encounter include the below, which are illustrative and not exhaustive.
Typical third‑party fees
- Arrangement or facility fee — charged by the lender when the agreement completes.
- Broker or advisory fee — may be charged by an intermediary for their service.
- Documentation fee — admin cost for drafting and executing agreements.
- Valuation or inspection fee — for asset, equipment or property valuations, where applicable.
- Legal fees — where external legal support is required for the transaction.
- Early settlement fees — if you repay early, some agreements apply a charge.
We will flag if a broker is likely to charge a fee and ensure you receive their client agreement before proceeding. You should not pay any third-party fee until you have signed and understood the relevant terms.
If you are comparing options, ask for an APRC or total cost of finance where available. For asset and commercial facilities, a clear fee schedule and repayment illustration are essential for comparing like-for-like.
When and how we’ll tell you about fees
- At enquiry: We confirm that Best Business Loans does not charge you and explain that providers may have their own fees.
- At match: We inform you whether we may receive a commission if you proceed.
- Before you decide: The proposed lender or broker should provide full written fee disclosures and key terms.
- On request: We supply or signpost a breakdown of remuneration and fees at any time during your journey.
This approach supports the FCA’s clear, fair and not misleading standard, Google’s financial services policies, and ASA guidance. It helps you understand the real cost and make a confident decision.
If anything is unclear, tell us and we will seek clarification from the provider before you proceed. Transparency is fundamental to our service.
Compliance, transparency and your rights
Best Business Loans is an independent introducer that connects UK businesses with relevant finance providers. We do not offer loans directly, we do not provide financial advice, and we are not authorised or regulated by the FCA.
Even so, we voluntarily follow the spirit of the FCA’s financial promotion rules by striving to be clear, fair and not misleading. We design our content to help you make informed choices and we highlight material limitations or exclusions.
We also align our advertising and disclosures with the requirements and expectations set by Google and the ASA. This includes avoiding exaggerated claims, providing balanced information, and making significant qualifications obvious.
Your key rights with us
- Commission clarity: Ask us any time whether we may receive a commission and, if known, how it is calculated.
- Fee transparency: Receive written details of any third-party fees before you commit.
- Impartial matching: Understand how and why providers were matched for your profile.
- Data control: We share your details only with relevant providers for your enquiry and we never sell your data.
- Complaints: If you are unhappy, contact hello@bestbusinessloans.ai and we will investigate promptly.
Our service is for established UK businesses only and excludes start-ups, sole traders, franchises, property finance and commercial mortgages. Some products within our network may be regulated; all regulated activity will be handled by appropriately authorised providers.
All finance is subject to status, eligibility, affordability and provider criteria. Terms and rates may vary and are subject to change without notice.
Next steps: how to get a Quick Quote and what happens next
It’s quick and free to get started. The process is designed to reduce effort on your side while maintaining transparency throughout.
Complete the online Quick Quote form with basic details about your business, the funding purpose and the amount you need. Our system will assess potential options and introduce you to suitable lenders or brokers who are active in your sector.
You then review proposals, ask questions and decide whether to proceed — with clear disclosure of any commissions or fees before you sign anything.
Simple steps
- Submit a Quick Quote — takes a couple of minutes.
- AI matching — we shortlist relevant providers based on eligibility and fit.
- Introduction — you’re connected to selected partners, with commission disclosure.
- Decision — compare terms, fees and service levels; choose what works for you.
Need funding to refurbish or modernise your premises? Explore your fit-out finance options and see how funding can support your refurbishment plan.
If you’d like help before submitting, email hello@bestbusinessloans.ai and our UK support team will point you in the right direction. There’s no obligation to proceed at any stage.
Below are quick answers to common questions we receive about commissions and fees.
FAQs — commissions and fees
Will using Best Business Loans make my finance more expensive?
In most cases, no. Our commission is paid by providers from their marketing or distribution budgets, and we do not add any margin to your quoted rate or fees.
Can I go directly to a lender or broker instead?
Yes. You are free to contact providers directly. We exist to save you time and connect you with relevant options, but the choice is always yours.
Do you prioritise partners who pay higher commissions?
No. Our matching is designed to prioritise suitability, eligibility and product fit. We do not sell priority placement or operate pay-to-play rankings.
Will you tell me about any broker fees?
Yes. If a broker intends to charge a fee, that will be disclosed to you clearly and in writing before you decide to proceed.
Can I get your commission disclosure in writing?
Absolutely. Email hello@bestbusinessloans.ai with your enquiry reference and we will provide a written disclosure as soon as possible.
Key takeaways
- We always disclose if we may receive a commission and when third-party fees may apply.
- We don’t charge you for using our site or for introductions.
- Our matching prioritises suitability and eligibility — not remuneration.
- You can request a written commission breakdown at any time.
- You stay in control and decide what’s best for your business.
Start your finance journey with transparency and confidence. Submit your Quick Quote today for a no‑obligation eligibility check and clear disclosure of any commissions or fees.
Information on this page is for UK businesses only, is general in nature, and is not financial advice. Eligibility and terms depend on provider criteria and your circumstances. Best Business Loans is an independent introducer and is not authorised or regulated by the FCA.
Updated October 2025