Are there any fees for using BestBusinessLoans.ai?

Short answer — clear and immediate

Using BestBusinessLoans.ai to submit a Quick Quote and be matched with lenders or brokers is free for your business. We do not charge businesses a fee for submitting enquiries, receiving matches, or for the basic introduction service. Any charges you may face will come directly from the lender or broker you choose, and we’ll aim to make those charges clear before you commit.

What “free to use” means with BestBusinessLoans.ai

When we say our Quick Quote and matching service is free, we mean you will not be asked to pay Best Business Loans a fee to use the platform. You can complete the online Quick Quote, get a Decision in Principle or an eligibility check, and be introduced to suitable lenders or brokers at no cost from us. This applies to initial matching and standard introductions; you remain under no obligation to accept any offer presented to you.

What we do for free

AI-driven matching of your business to appropriate finance types and providers.
Introductions to lenders and brokers who may be able to help.
Assistance and support from our UK-based team to clarify next steps.

Who may charge fees and why

Although Best Business Loans does not charge your business for introductions, the lenders or brokers we connect you with may charge fees. These fees are set by the provider you ultimately contract with, not by Best Business Loans, and they vary by product, provider and the complexity of the deal. Typical third‑party charges include arrangement fees, broker fees, valuation or legal costs, interest, and early repayment charges.

Common provider fees explained

Arrangement fee — a one-off charge for setting up a loan or facility.
Broker fee — sometimes charged by brokers for sourcing or managing a deal (always ask for a written breakdown).
Valuation, legal or monitoring fees — applied where assets or property are involved.

Transparency and how we handle referral payments

To keep our service free for businesses we may receive introduction or referral fees from lenders or brokers when a successful match results in a completed facility. These fees are paid by the provider, not by you, and are common in the introducer and brokerage market. Where such payments are relevant to your enquiry we will disclose material information about how we are compensated so you can make an informed decision.

What we disclose and when

We will tell you if a lender or broker has paid a commission or referral fee that is relevant to your match.
If a broker proposes a fee payable by your business, you will be told before you sign any document.
We do not hide commercial relationships; transparency is central to our process.

How to avoid surprises — questions to ask providers

Before accepting any finance offer you should ask providers to itemise all costs, interest rates and any contingent charges. Key questions include whether there is an arrangement fee, ongoing management fees, early repayment penalties, or charges for missed payments. Ask for a written illustration or term sheet so you can compare total cost of funding across options.

Essential checklist to request from lenders or brokers

Complete breakdown of all fees and whether they are one-off or recurring.
Representative APR or total cost figures where applicable.
Details of any security required and associated legal/valuation costs.

Next steps, compliance and our role

BestBusinessLoans.ai acts as an independent introducer and matching service; we do not lend, provide regulated advice, or underwrite finance. We are not an FCA-authorised lender, and we make no claims to provide regulated financial advice. Our aim is to help established UK businesses find relevant providers and to make the process quicker and clearer.

How to proceed with confidence

Submit a Quick Quote for an eligibility check and free matching.
Review the provider’s full terms and request a cost breakdown before you sign.
Contact our team at hello@bestbusinessloans.ai for any clarification before making decisions.

Frequently asked practical points

Will I be charged to get a Decision in Principle or an eligibility check? No — these preliminary checks via our platform are free of charge. Will I be pressured into a product? No — you remain in control; we introduce and facilitate, and you decide whether to proceed with any provider. Can I refuse offers and continue searching? Yes — you can decline any introduction or offer without penalty from Best Business Loans.

Specific note on particular finance types

Different finance types attract different provider fees; for example, asset finance can include documentation and delivery charges, and invoice finance may have facility fees. For more on what asset finance can look like, see our page on asset finance: https://bestbusinessloans.ai/loan/asset-finance/. Always check the provider’s T&Cs.

Compliance, clarity and safeguards

We aim to meet the spirit of FCA rules and UK advertising standards even though we are not a regulated lender. Our communications are designed to be clear, fair and not misleading, and we provide disclosures about our role and any referral arrangements. If a promotion or an offer appears unclear you should ask the provider for further information or consult an independent adviser.

Consumer protection and responsible matching

We will not target start-ups, sole traders or consumer credit products that fall outside our service scope.
We will identify when a finance product is regulated and advise you to seek regulated advice if needed.
We encourage you to seek independent legal or financial advice for complex or high-value facilities.

Key takeaways

BestBusinessLoans.ai does not charge businesses to use its Quick Quote, matching or introduction services. Fees may be charged by lenders or brokers, and these are the responsibility of the provider or, in some cases, your business when you accept an offer. We may receive referral payments from providers and will disclose material relationships where relevant. Always request a full, written breakdown of fees and terms before accepting finance.

Call to action

If you want a clear, no‑obligation eligibility check and to see what finance options might be available for your business, complete our Quick Quote today. It takes only a few minutes, costs you nothing to submit, and helps match you to relevant lenders or brokers faster. Contact hello@bestbusinessloans.ai if you have questions or need help before submitting.

Updated: This page was written by the Best Business Loans team and is intended for UK businesses seeking introductions to commercial finance providers. BestBusinessLoans.ai is an independent introducer and does not provide regulated lending or regulated financial advice.