Are there any fees to use BestBusinessLoans.ai?
The short answer, and how our free service works
No — it is free to use BestBusinessLoans.ai. You can submit a Quick Quote, receive an initial eligibility view, and be introduced to suitable UK lenders or brokers without paying us a penny. There are no platform, matching, application, or success fees charged by Best Business Loans to you as the business user.
Best Business Loans is an independent introducer that helps established UK companies explore commercial finance options. We are not a lender and we do not provide loans directly, advice, or lending decisions. Our role is to save you time by matching your needs to relevant, trusted providers in our network.
Our aim is simple: help you understand which types of business finance could be suitable and connect you with providers who are actively lending in your sector. You stay in control and decide if you wish to proceed with any offer. You can walk away at any time with no obligation and no charges from us.
What “free to use” means in practice
Submitting an enquiry through our Quick Quote form is free, and you can ask for an Eligibility Check or Decision in Principle without paying Best Business Loans. If you progress, you will speak directly with a lender or broker about terms, pricing, and any provider fees. We do not add fees to their pricing.
Because providers’ criteria and pricing vary, we cannot guarantee the cheapest market rate. We do aim to help you find relevant options faster and make more informed choices. Transparency, clarity, and no pressure are core to how we operate.
Important notice
BestBusinessLoans.ai is a UK-facing platform for established businesses; we do not support start-ups, sole traders, franchises, property finance, or commercial mortgage applications. Nothing on this page constitutes financial advice. Any finance agreement will be subject to the terms, checks, and approvals of the provider.
How we’re funded (and why that doesn’t cost you)
Best Business Loans may receive an introducer commission from a lender or a broker if you choose to proceed with funding via our introduction. This is a common model across the UK commercial finance market and helps keep our service free for business users.
We do not charge you an application fee, matching fee, or success fee. If we receive commission, it is paid by the finance provider or intermediary for our introduction. Any commission does not change our commitment to matching you with providers that are relevant to your business profile and funding goals.
Will our commission increase your cost?
Pricing and fees on any finance product are set by the lender or broker. Commission, if applicable, is paid by them and is not a fee you pay to us. Some providers have distinct pricing structures whether you go direct or through introducers; others do not. Always ask your provider to confirm their pricing and any fees in writing before you proceed.
We encourage clear, fair, not misleading communication about costs at every stage. If any fee applies, you should be told what it is for, who charges it, and when it becomes payable. If something is unclear, ask the provider to clarify in plain English and provide documentation.
When we will tell you about fees
If a provider in our network typically applies an arrangement fee, documentation fee, broker fee, or other charge, we expect this to be disclosed to you clearly and early. We will also signpost you to the provider’s terms so you can review everything before making a decision.
Simple example
Say you request £150,000 in asset finance. We introduce you to a specialist lender. The lender proposes a term sheet that includes an arrangement fee of 1.5%. That fee is a charge by the lender and will be shown on their documentation. You do not pay BestBusinessLoans.ai anything for the introduction.
Fees you might encounter from lenders or brokers (not from us)
While it is free to use BestBusinessLoans.ai, some lenders or brokers may charge their own fees on certain products. These are not fees from us; they are fees set and collected by the third party. Here are examples you may see in the UK market:
- Arrangement or facility fees — charged by the lender to set up a loan or credit line.
- Documentation or admin fees — for preparing legal documents or agreements.
- Brokerage fees — charged by some brokers for sourcing or structuring complex deals.
- Valuation or survey fees — applicable if assets, equipment, or vehicles need independent valuation.
- Legal fees — legal due diligence on certain facilities may be billable.
- Early settlement or cancellation fees — if you repay early or cancel after formal acceptance, some products have charges.
Not every provider charges fees and fee levels can vary. The key is to ask for a full cost breakdown, including any contingent or third-party charges. You should receive this before you sign or commit to a facility.
How to avoid surprises
- Request a written summary of all costs, including interest, fees, and any “payable on drawdown” charges.
- Ask if any fees are refundable if the deal does not complete.
- Clarify whether any broker fee is due and when it becomes payable.
- Check if there are early repayment charges and how they are calculated.
No upfront fees from BestBusinessLoans.ai
We never ask you to pay us upfront. If anyone claims to be collecting an “application fee” on our behalf, do not pay it and contact us at hello@bestbusinessloans.ai. Always confirm who is charging a fee and why, and ensure the firm is known to you and operates legitimately.
At-a-glance: who may charge what?
| Charge type | Typically charged by | When disclosed |
|---|---|---|
| Arrangement/facility fee | Lender | Shown on term sheet/offer |
| Brokerage fee | Broker (if applicable) | Broker agreement before proceeding |
| Valuation/legal fees | Third party or lender | Quoted prior to instruction |
| Early repayment fee | Lender | Product terms and conditions |
Using our free Quick Quote, credit checks, and opting out
Our Quick Quote is designed to be fast and free. You tell us about your business, the amount you are seeking, and the purpose of finance. Our AI then helps match your profile to suitable lenders or brokers in our network.
What happens next
- We introduce you to one or more relevant providers for your sector, use case, and eligibility.
- They will discuss terms, pricing, and requirements with you directly.
- You choose if you want to proceed to a Decision in Principle or a full application.
We do not run hard credit checks. Providers may conduct soft searches at the eligibility stage, and a hard search may be required if you proceed to a formal application. Always ask the provider to confirm the type of search before they run it.
Decision in Principle and Eligibility checks
Many providers offer an initial Eligibility view or Decision in Principle. This helps you gauge potential terms without committing. It is usually quick and may involve a soft search and document review.
Cancel any time, with no fees from us
You can stop the process at any time if the deal is not right for you. There is no charge from BestBusinessLoans.ai for making an enquiry or choosing not to proceed. If a third party has incurred costs at your instruction, check their terms for any cancellation fees.
We support a wide range of UK industries. For example, manufacturers seeking asset upgrades, machinery, or cash flow support can explore our guide to manufacturing business loans to see common options and considerations.
Transparency, compliance, and your next step
We aim to follow the spirit of the FCA’s “clear, fair and not misleading” standard for financial promotions, as well as ASA and Google Ads policies. We keep our messaging balanced, avoid unrealistic claims, and encourage you to make fully informed choices. Where specific product rules apply, the lender or broker will provide the necessary disclosures.
Compliance statements and notices
- We are an introducer, not a lender, and do not offer financial advice.
- Eligibility, rates, and fees are set by the provider and depend on your business profile.
- Using our site and submitting a Quick Quote is free; we may receive commission from providers if you complete funding through our introduction.
- We do not currently support start-ups, sole traders, franchises, property finance, or commercial mortgage applications.
Key takeaways
- It is free to use BestBusinessLoans.ai — no application or success fees payable to us.
- Some lenders or brokers may charge their own fees; these are not our fees and should be disclosed clearly before you commit.
- We may be paid by the provider via introducer commission; this is not a fee you pay to us.
- You can submit a Quick Quote, get matched, and walk away any time with no charge from us.
- Ask providers to confirm all fees, search types, and terms in writing.
Ready to check your eligibility?
Submit your Quick Quote now for a free, no-obligation match with suitable UK finance providers. You will get a faster route to the right conversations, with full control over whether to proceed. It takes minutes to start — and there are no fees to use our platform.
Get Your Free Quick Quote Now — fast, secure, and no obligation.
About this page
Updated: October 2025. Content reviewed for clarity and compliance with UK advertising standards and the FCA’s “clear, fair and not misleading” principle. For official regulatory information, see the Financial Conduct Authority (fca.org.uk) and the British Business Bank (british-business-bank.co.uk).