Are you a lender or an introducer, and do you charge our firm any fees?

The short answer

Best Business Loans is an independent introducer and connection platform — not a lender, broker, or financial adviser. We do not supply loans directly, make lending decisions, or provide regulated credit broking to consumers.

We do not charge your firm any fees to submit a Quick Quote, receive a Decision in Principle or Eligibility check, or be introduced to a suitable lender or broker. If a lender or broker proposes any fees for their services, they will disclose them to you clearly and obtain your consent before proceeding.

In most cases we’re paid by finance providers through an introducer commission, which does not increase the price you pay. You remain free to compare all options and there is no obligation to proceed.

What being an “independent introducer” means

Our role is to help established UK businesses navigate the commercial finance market efficiently and transparently. We use AI-driven matching to highlight providers and products that are more likely to fit your needs, sector, and profile.

As an introducer, we do not handle underwriting, set interest rates, or agree credit limits. We introduce you to relevant lenders or experienced brokers who operate in your industry and are actively funding businesses like yours.

Once introduced, the finance provider explains terms, fees, and risks in line with their regulatory obligations. You then decide if you want to proceed, ask for alternatives, or walk away — with no pressure from us.

What we do (in plain terms)

• Help you identify suitable funding types for your purpose, such as asset finance, invoice finance, or working capital loans.
• Match your enquiry to providers whose appetite and criteria align with your sector, size, and use case.
• Save you time by filtering the market and connecting you with relevant points of contact quickly.

What we do not do

• We do not provide loans or make credit decisions.
• We do not offer personal financial advice or recommend a single “best” product as advice.
• We do not charge your firm a fee for using our platform or receiving introductions.

Fees and how we are paid — clear, fair, and not misleading

Using Best Business Loans to submit an enquiry and receive introductions is free for your business. We will never ask you for payment to use our platform or to connect you with potential providers.

We may receive a commission from a lender or broker if you complete a facility following our introduction. This is a standard market practice for introducers and does not affect the fees and rates you agree directly with the provider.

Any costs associated with a finance facility will be set out by the lender or broker before you sign anything. You can review, negotiate, or decline those terms — the choice is always yours.

Understanding possible third‑party charges

• Lender costs: Interest, arrangement fees, security or valuation fees, and any early settlement charges are set and disclosed by the lender.
• Broker fees: Some specialist brokers charge a fee, typically for complex or bespoke requirements. They will explain this upfront and seek your agreement.
• Introducer commission: We may be paid by the provider if you proceed. Commission does not add a surcharge from us, and you pay providers directly under your agreed terms.

If at any point you are unsure about costs, ask the provider to confirm the total cost of finance, including fees and charges. Communications should be clear, fair, and not misleading — and you should always be confident before proceeding.

How our AI matching and introductions work (and your next steps)

We have designed a fast and simple journey so established UK businesses can explore finance with confidence. The process aims to minimise wasted calls, unclear eligibility, and re-keying information.

Completing our Quick Quote will not trigger a credit check by us. Providers may run credit checks with your knowledge and consent as part of their assessment.

Here is how the process works:

Step-by-step overview

1. Complete a Quick Quote: Tell us about your business, the funding purpose, and the amount required.
2. AI analysis: Our system compares your profile against live criteria in our network of lenders and brokers.
3. Introductions: We connect you with relevant providers who are more likely to consider your case.
4. Discuss terms: The provider outlines indicative pricing, documentation, and next steps to progress.
5. Your decision: Compare options, ask questions, and proceed only if you are comfortable.

There is no obligation to accept any offer. You remain in full control throughout the process.

Data use and confidentiality

• Your data is handled securely and shared only with relevant finance professionals for your enquiry.
• We never sell your data and we do not carry out credit searches ourselves.
• You can request data updates or removal in line with applicable law.

Ready to explore options now? Get your free Quick Quote to see potential matches for your business.

Our compliance approach and what you can expect

Although Best Business Loans is not a lender and does not itself carry out regulated lending, we aim to align with UK best practice for financial promotions. That means our information is designed to be clear, fair, and not misleading.

We avoid unrealistic claims, do not guarantee approval, and never suggest that any product will be the cheapest on the market. Funding availability, pricing, and terms always depend on provider assessment and your business circumstances.

Where a regulated lender or broker is involved, they are responsible for explaining key features, costs, and risks of their products. You should read documents carefully and seek professional advice if you are unsure.

Key commitments we follow

• Plain-English explanations of our role as an introducer — not a lender.
• Upfront disclosure that we do not charge your firm fees for enquiries or introductions.
• Clear signposting that third-party fees may apply and will be disclosed by those providers.
• No pressure to proceed; you decide what’s best for your business.
• Respect for data privacy and secure handling of your information.

We focus on established UK trading businesses across sectors like manufacturing, logistics, construction, healthcare, hospitality, and professional services. For example, we regularly help match providers for solicitors seeking working capital or case-related finance.

FAQs — lender vs introducer status, and fees

Below are short, direct answers to the most common questions we receive from UK SMEs and mid-sized firms. If you need further clarity, contact our UK support team at hello@bestbusinessloans.ai.

Are you a lender?

No — we are not a lender and do not supply loans directly. We act as an independent introducer using AI to match your enquiry to suitable finance providers.

Are you a broker?

No — we are not a broker. We introduce you to lenders or brokers; you then work with them directly to assess any facility.

Do you charge our firm any fees?

No — there is no fee to submit a Quick Quote, receive introductions, or undertake an Eligibility check through us. If a third-party provider charges a fee, they will tell you upfront and seek your consent.

How do you get paid?

We may receive introducer commission from a lender or broker if your facility completes. This does not add a surcharge from us, and you pay the provider directly under your agreed terms.

Could a broker charge us a fee?

Some specialist brokers charge a fee, typically for complex funding. Any such fee will be disclosed and agreed with you by that broker before you proceed.

Will using your service affect our credit score?

No — submitting a Quick Quote with us does not affect your credit score. Providers may conduct credit checks with your knowledge and consent as part of their process.

Do you guarantee approval or the cheapest rate?

No — we do not guarantee approval or the lowest available price. We focus on connecting you with relevant providers so you can compare and decide with confidence.

Are you regulated by the FCA?

We operate as an introducer for UK businesses and do not provide loans, consumer credit, or financial advice. Where a regulated activity is involved, the lender or broker we introduce you to will be authorised and regulated as required.

What if we already have a preferred broker?

No problem — you can use our platform to compare options, or continue with your existing relationships. There is no obligation to proceed with any introduction we make.

What types of finance can you help us explore?

We commonly match businesses to options such as asset finance, equipment finance, invoice finance, cash flow loans, refinance, vehicle and fleet finance, and sustainability-linked funding. Availability depends on your profile and the provider’s criteria.

Key takeaways

• Best Business Loans is an introducer — not a lender or broker — and we do not charge your firm fees for enquiries or introductions.
• If you proceed, we may receive a commission from a lender or broker, which does not add a surcharge from us.
• Any lender or broker fees will be disclosed by them and require your consent before you proceed.
• Your Quick Quote does not affect credit score; credit checks are handled by providers with your permission.
• You remain in control — compare options and proceed only if the terms fit your goals and cash flow.

Updated: October 2025

Take the next step with confidence. Start your free Quick Quote for a fast Eligibility check and tailored introductions.