Are you a lender, broker, or independent introducer?
Short answer: We’re an independent introducer and AI-powered matching platform
Best Business Loans is not a lender and not a broker. We operate as an independent introducer that helps UK companies explore suitable business finance options and connect with regulated providers. Our goal is to save you time, improve fit, and support better decisions — without giving financial advice.
Updated October 2025. Content for UK business customers only.
What that means for your business
As an introducer, we identify potential funding routes based on your profile, sector, and purpose for finance. We then connect you with lenders or experienced brokers who may be able to help. You stay in control of which path you take and whether to proceed.
A clear, fair, and not misleading approach
We do not promise the lowest rate or guaranteed approval. We will always be transparent about what we do, what we don’t do, and how we are remunerated. Our service is free to use, and we may receive a commission from providers we introduce you to.
Why we don’t lend or broker directly
The UK business finance market is large, diverse, and fast-moving. A single lender or broker cannot cover every scenario, every sector, and every appetite for risk. By remaining independent, we can surface a broader range of options that may suit your business.
Who we introduce you to
We work with reputable UK lenders and brokers that are active in commercial finance. For regulated activities, you will speak to firms authorised and regulated by the Financial Conduct Authority. Any terms, fees, or eligibility checks are provided by those firms, not by Best Business Loans.
How our independent introducer model works
Our platform uses intelligent data-matching to assess your business profile and needs. You complete a short Quick Quote form, and we match your details to providers that are likely to be relevant. You receive introductions so you can compare options and discuss your case directly.
The four-step process
1) Complete a Quick Quote: Share key facts about your company, sector, turnover, and funding goal. 2) AI assessment: We use algorithms and practical rules to align you with suitable finance categories. 3) Introductions: We connect you with lenders or brokers for a Decision in Principle or eligibility view. 4) You decide: Review offers, check terms, and proceed only if it makes sense for your business.
What you can expect after you submit
Introduced providers may run soft or hard checks depending on the product and stage. You might be asked for financials such as management accounts, bank statements, or asset details. Timeframes vary, but many providers can give an initial indication quickly once they have the basics.
Where we add value
We reduce the effort of contacting multiple firms and repeating the same information. We highlight funding types that match your purpose, such as asset finance, invoice finance, or cashflow loans. We also help you avoid dead-ends by focusing on providers that are currently active in your sector.
Important transparency notes
We do not provide personal recommendations or financial advice. Rates, fees, and terms are set by providers and depend on your profile and credit status. You should always read documentation carefully and seek professional advice where appropriate.
Lender vs broker vs independent introducer: what’s the difference?
A lender provides funding directly and sets the terms for its own products. A broker is an intermediary that arranges finance on your behalf, usually comparing multiple lenders. An independent introducer connects you to relevant providers but does not arrange or advise on the finance.
When a lender might be right
If you already have a strong relationship with a lender and they offer the product you need, going direct can be efficient. Lenders can offer clarity on their own criteria and turnaround times. The trade-off is that you will not see the broader market unless you also compare.
When a broker might be right
A broker can search multiple lenders and may negotiate based on their relationships. If your case is complex or you need guidance across several products, a broker can add value. Brokers typically charge a fee or receive commission from the lender, or both, depending on the case.
When an independent introducer is right
If you want to explore options without committing to a broker, an introducer is a useful first step. We can point you towards lenders or brokers that focus on your sector and funding goal. You retain full control over who you engage with and on what basis.
Benefits of our introducer model
It’s fast, free to submit an enquiry, and designed to be low-effort for busy teams. We aim to minimise noise and focus on relevant pathways only. You can compare approaches and decide whether to deal with a lender directly or work via a broker.
Typical funding categories we help you explore
- Cashflow loans and working capital facilities for established UK businesses
- Asset finance, equipment finance, vehicles and fleet finance
- Invoice finance to improve cash conversion on B2B invoices
- Refinance and consolidation options for better control
- Specialist categories such as fit-out finance and sustainability-linked upgrades
Sector coverage and an example
We commonly assist manufacturing, construction, logistics, hospitality, healthcare, and professional services. We also support UK agriculture, including seasonal and equipment-led needs; learn more about farming loans and rural business finance. Funding remains subject to provider criteria, affordability, and due diligence.
Eligibility, scope, and compliance standards
We focus on established UK companies and LLPs seeking commercial finance. We do not currently support start-ups, sole traders, franchises, consumer credit, or property finance. All finance is for business purposes only and subject to credit status and provider terms.
Clear, fair, and not misleading
We aim to follow the spirit of the FCA’s “clear, fair and not misleading” standards in all communications. We avoid exaggerated claims and any implication of guaranteed acceptance. Examples and descriptions are illustrative only and not offers or recommendations.
Regulatory position
Best Business Loans operates as an independent introducer and does not offer loans or financial advice. For regulated activities, you will engage with authorised firms that can discuss terms and explain risks. Always read your documentation and consider independent professional advice.
Data handling and security
Your information is handled confidentially and shared only with relevant providers for your enquiry. We never sell your data. You can request changes or removal in line with our privacy practices.
Remuneration and fees
Our service is free to use, and we may receive a commission from providers we introduce you to. Brokers and lenders may also charge fees; these will be disclosed by the provider before you proceed. You are under no obligation to accept any offer.
Common documents providers may request
- Latest accounts, recent bank statements, and management figures
- Details of assets to be financed or refinanced
- Debtor books for invoice finance and existing facility statements
- Director information and business proof of trading
Responsible finance principles
The right funding should support, not strain, cash flow. Consider affordability under realistic scenarios, including interest rate movements. Discuss covenants, fees, and exit terms with the provider before committing.
Next steps, timelines, and how to get a Quick Quote
It takes a couple of minutes to submit a Quick Quote. Our AI-driven engine will map your details to relevant funding types and providers. You can request an initial eligibility view or Decision in Principle from those providers.
Typical timelines
Indicative timeframes vary by product and complexity. Some cases receive an initial view within 24–72 hours once basics are shared. Final approvals depend on underwriting, due diligence, and the completeness of your documentation.
What a good enquiry includes
Be clear on the amount, purpose, and timing of funds. Share sector context, recent performance, and any upcoming contracts or risks. Accurate information up front supports faster, more relevant responses.
How we support different intents
Exploratory: Learn which funding types fit your use case and sector. Transactional: Get introduced to providers who can assess your case now. Navigational: Move from research to action with a simple route into regulated lenders or brokers.
Key takeaways
- We are an independent introducer, not a lender or broker.
- We use AI matching to connect you with suitable providers fast.
- No guarantees or advice — just a clearer route to relevant options.
- Business customers only; credit subject to status and provider terms.
- Our service is free to use; we may receive a commission from providers.
Start your finance journey
Share your requirements, get matched, and choose your preferred route. Compare terms and make a decision on your timeline. Submit your Quick Quote today to see what may be possible.
Frequently asked questions
Are you a lender?
No. We do not lend or set credit terms. We introduce UK businesses to relevant finance providers.
Are you a broker?
No. We are an independent introducer. If you need full broking support, we can introduce you to a broker who fits your case.
Do you give financial advice?
No. We provide information and introductions only. For advice, please speak to an authorised adviser or your accountant.
Who can use Best Business Loans?
Established UK companies and LLPs seeking commercial finance. We do not support start-ups, sole traders, franchises, property finance, or consumer lending.
Will this affect my credit score?
We do not run credit checks. Providers you engage with may run soft or hard checks depending on the product and stage.
How fast can I get a Decision in Principle?
Some providers can give an initial indication within 24–72 hours of receiving your information. Timeframes vary by product and complexity.
What information do you share with providers?
Only the information relevant to your enquiry to support an eligibility view. We share details securely and only with suitable providers.
What does it cost?
Submitting an enquiry is free. We may receive commission from providers; any provider fees will be disclosed before you proceed.
Can you guarantee the lowest rate?
No. We focus on relevance, reliability, and fit. Always compare terms and consider total cost and suitability for your cash flow.
What industries do you support?
We commonly support manufacturing, construction, logistics, hospitality, healthcare, professional services, and UK agriculture. Sector appetite varies by provider and market conditions.
Compliance and important information
Best Business Loans operates as an independent introducer to UK commercial finance providers. We are not authorised to provide financial advice and do not arrange regulated products. All information on this page is for business customers only and is not a recommendation or offer.
Any finance is subject to provider approval, status, affordability, and terms. Always read the full documentation, including fees and early repayment conditions. If you are unsure, seek independent professional advice.