Are you a lender or a broker/introducer, and how does BestBusinessLoans.ai work?
The short answer — we’re an independent introducer that uses AI to match UK businesses with suitable lenders and brokers
Best Business Loans is not a lender. We don’t issue credit, set interest rates, or make lending decisions. We operate as an independent introducer, using AI to help established UK businesses find relevant lenders or brokers for their funding needs.
Our role is to simplify your search for business finance, not to sell you a specific product. We guide you to finance providers who are active in your sector and aligned with your requirements. You stay in control at every step and decide if you wish to proceed.
Once you complete our Quick Quote form, our system assesses your profile and connects you with suitable providers. You may then speak directly to a lender or to a broker who can source multiple options on your behalf. The next steps, and any application, sit between you and the chosen provider.
What Best Business Loans is — and isn’t
- We are a UK-based, independent introducer using AI-driven matching.
- We are not a lender and we do not provide financial advice.
- We introduce you to regulated lenders and brokers, where regulation applies.
Who you’ll speak to after your Quick Quote
After matching, you may be introduced to a specialist broker or directly to a lender. This depends on your sector, loan purpose, funding size, and the providers that best fit your needs. You can choose whether to proceed, request alternatives, or stop at any time.
There’s no obligation and no fee to submit an enquiry. If a finance agreement completes with a partner introduced by us, we may receive a commission from that provider. This does not increase the price you pay.
We aim to be clear, fair, and not misleading in all communications. Terms, rates, and eligibility are always set by the lender and may vary by provider and your business circumstances.
How BestBusinessLoans.ai works — from Quick Quote to decision in principle
Our platform is designed to save time and reduce friction in the funding journey. It helps established UK businesses compare routes and engage with relevant providers more efficiently. Here’s what happens after you start a Quick Quote.
Step-by-step: from enquiry to introduction
- Complete a Quick Quote form. Share high-level details about your business, funding purpose, sector, and indicative amount.
- AI matching reviews your profile. Our system uses your inputs to identify suitable lenders or brokers who are active in your industry.
- We introduce you to providers. You’ll be connected with a small number of options, typically those most aligned to your needs.
- You assess and decide. Review terms, request a Decision in Principle, and progress an application if it suits your goals and cash flow.
What to expect after matching
Providers may request further information to progress your enquiry. This could include recent management accounts, bank statements, key contracts, or asset details. Timelines vary by product type and provider, but many will give quick feedback on eligibility.
A Decision in Principle is usually subject to verification and underwriting. Final offers will depend on full assessment, affordability, and the lender’s criteria at the time of application. You are free to compare, ask questions, and walk away before signing anything.
What information we typically ask for
- Business name, trading history, and sector.
- Funding purpose, amount, and preferred term.
- High-level financial details to support initial matching.
Important note on searches and credit checks
Submitting a Quick Quote with us does not trigger a hard credit search by Best Business Loans. If you proceed with a broker or lender, they may perform credit or affordability checks in line with their policies. They will explain what is needed before running checks.
Who we help and what finance we can introduce you to
We support established UK trading businesses across a wide range of sectors. Our AI-driven approach focuses on matching by industry, funding need, and provider appetite. This helps you find realistic options faster.
Funding categories we commonly match
- Cashflow Loans and Working Capital
- Equipment and Asset Finance
- Invoice Finance and Receivables Funding
- Vehicles and Fleet Finance
- Fit-Out and Refurbishment Finance
- Sustainability and Energy Efficiency Finance
- Refinance and Consolidation Options
- Small Business Loans and Commercial Finance (Non-Property)
- Growth Guarantee Scheme (for eligible UK businesses)
Sectors we often support
- Construction, Trades, Manufacturing, and Engineering
- Logistics, Transport, and Distribution
- Retail, eCommerce, and Hospitality
- Automotive, Garages, and MOT Centres
- Healthcare, Care Homes, and Education
- Professional Services and Facilities Management
- Renewable Energy, Green Tech, and Agriculture
- Printing, Signage, and Fabrication
If you operate in print, signage, or fabrication, explore specialist guidance on printing business loans for sector-specific funding routes. Our network includes providers familiar with machinery, consumables, and seasonal cash flow patterns in this industry. Matching by sector helps streamline underwriting and improves alignment of terms.
What we don’t support right now
- Start-ups and pre-revenue businesses
- Sole traders and franchises
- Property finance and commercial mortgages
- Consumer lending or personal credit
If you’re unsure whether your business qualifies, complete a Quick Quote. We will quickly let you know if we can introduce you to relevant providers. There is no obligation to proceed.
Compliance, transparency, and fair presentation
We design our content and process to be clear, fair, and not misleading. While we are not a lender and do not provide regulated credit ourselves, we aim to reflect high standards. We align our communications with FCA and ASA best practices for financial promotions.
Our commitments to clarity
- We explain that we are an introducer, not a lender.
- We do not guarantee approval, funding amounts, or the lowest rate.
- We make key exclusions and limitations clear upfront.
Fees, commissions, and independence
Submitting a Quick Quote is free, and there is no obligation to proceed. If you enter into a finance agreement with a provider we introduce, we may receive a commission from that provider. This does not change the price you pay and helps us keep the service free for enquirers.
We do not sell your data. We only share your information with relevant finance professionals for the purpose of assessing your enquiry. You can ask us to stop sharing your details at any time before you proceed with a provider.
We work with reputable lenders and brokers that operate in accordance with relevant UK regulations. Where activities are regulated, our partners are authorised for those activities by the appropriate regulator.
Data security and privacy
Your information is handled securely and confidentially. We use it to assess suitability and to make warm introductions to relevant providers. You can request corrections or updates to your information at any time.
Only information necessary to explore eligibility and pricing is requested. Providers may request additional documents if you choose to progress an application. They will explain why documents are needed and how they will be used.
We recommend that you read the terms and privacy notices of any provider you choose to work with. You should also consider taking independent advice if you are unsure about any financial decision.
No obligation, no guarantees
Enquiries are free and non-binding. Eligibility, pricing, and terms are set by lenders and subject to change. Availability of products may vary based on your sector, trading position, and risk profile.
Approval times and outcomes depend on the provider’s underwriting processes. A Decision in Principle is not a formal offer and may be withdrawn or revised after full assessment. Never commit to a finance agreement unless the terms are right for your business.
We aim to connect you with relevant options, not to pressure you into choosing a particular provider. You remain in control of when and how you proceed.
FAQs, next steps, and how providers can partner with us
Frequently asked questions
Are you a lender? No. Best Business Loans is an independent introducer. We use AI to connect UK businesses with suitable lenders and brokers.
Do you charge fees to businesses? Submitting a Quick Quote and being introduced to providers is free. If you take out finance through a partner we introduce, we may receive commission from that partner.
Will my credit score be affected? We do not run hard credit checks. If you proceed with a provider, they may conduct credit or affordability checks. They will inform you before doing so.
How quickly can I get a Decision in Principle? Many providers respond quickly once they have the basics. Timings vary by product, amount, and sector. A Decision in Principle remains subject to full underwriting.
Who is eligible? We focus on established UK companies with trading history. We cannot support start-ups, sole traders, franchises, property finance, or consumer credit requests.
For lenders and brokers — how to work with us
If you are an FCA-authorised lender, or a broker with access to specialist panels, we welcome partnership discussions. Our AI-led matching helps surface well-qualified, sector-aligned enquiries. We prioritise clarity for the customer and compliance in communications.
Partners benefit from better-fit introductions and transparent expectations. We actively manage categories, sectors, and thresholds to keep quality high. To request a partner pack, contact hello@bestbusinessloans.ai.
We look to work with providers that share our values: fairness, transparency, and responsiveness. Strong sector expertise is particularly valuable for asset-heavy and operational industries.
Key takeaways
- Best Business Loans is an independent introducer, not a lender.
- Our AI matching connects UK businesses with relevant lenders and brokers.
- Quick Quote is free, with no obligation and no hard searches by us.
- Eligibility and rates are set by providers and may change.
- You stay in control — compare options and proceed only if it suits your goals.
Ready to explore your options? Complete your Quick Quote now for a fast eligibility view and introductions to suitable providers. It’s simple, secure, and designed for established UK businesses.
Updated: October 2025