No. Best Business Loans is an independent introducer. We do not lend money or make lending decisions. We connect established UK businesses with relevant lenders or FCA-authorised brokers.

We act as an introducer and not as your broker. Some introductions may be to brokers regulated by the FCA, who will present options from their own panels and disclose any fees.

Will using your service affect my credit score?

We do not run credit checks. However, a lender or broker you engage with may conduct soft or hard searches. Always ask the provider how searches will be recorded before consenting.

Can you guarantee approval or the lowest rate?

No. Approval and pricing depend on lender criteria, credit profile, product type, security, and market conditions. We focus on suitability, transparency, and relevant introductions.

Are you a lender or an introducer/broker, and do you charge any fees to use the service?

Q: Do you charge any fees to use the service?

No. It is free to submit an enquiry and be introduced to suitable providers. If you proceed with a facility, we may receive a commission from the provider. Any lender or broker fees are disclosed by them before you agree to proceed.

Q: What types of finance can you help me explore?

We commonly introduce options for cash flow funding, equipment finance, vehicles and fleet, fit-out finance, asset finance, invoice finance, refinance, sustainability-linked finance, and solutions under the Growth Guarantee Scheme, subject to eligibility and lender criteria.

Q: Is this financial advice?

No. Our content is for general information only and is not financial advice or a recommendation. You should seek independent advice if needed.

The short answer — who we are and what it costs

Best Business Loans is an independent introducer that connects established UK businesses with suitable lenders and FCA-authorised brokers. We are not a lender and we do not provide credit or make lending decisions. It’s free to submit an enquiry and use our AI matching service.

We do not charge you any fees for using our website, completing a Quick Quote, or being introduced to a lender or broker. If we are paid, it is typically via a referral fee or commission from the finance provider or broker we introduce you to. Where a broker or lender charges their own fees, they will explain these to you clearly before you proceed.

Quick summary

We are an introducer, not a lender or credit broker.
It’s free to submit an enquiry and be matched with providers.
We may receive a referral fee from a provider if you proceed.
Any lender or broker fees are disclosed by them before you commit.

Our role is to help you explore the market efficiently by using AI-driven matching and a curated network of finance professionals. You stay in full control at every stage. There is no obligation to accept any offer we introduce.

How our model works — transparency on fees, commissions, and value

Our platform analyses your details and introduces you to relevant lenders or FCA-authorised brokers who may be able to help. This saves time compared with approaching many firms yourself. The aim is suitability, clarity, and speed — not blanket applications.

We do not charge businesses any upfront or subscription fees to use our service. If you accept a finance solution introduced via our platform, we may receive a commission from the lender or broker for the introduction. This does not affect your statutory rights, and it should not reduce the transparency of the price you pay.

Could you ever be charged fees?

Some lenders and brokers charge their own fees, such as arrangement fees or broker fees. They must explain these clearly before you sign anything. Always check the total cost of credit, including fees, interest, and any early repayment charges.

Lender arrangement fees may be added to the loan or paid upfront.
Broker fees (if applicable) are disclosed by the broker before you proceed.
Third-party fees may apply in specialist cases (for example, valuations on certain asset-backed facilities).

You are never obliged to proceed if the cost, terms, or risk are not right for your business. We encourage you to compare options and seek independent advice where appropriate. Responsible borrowing and affordability should always guide your decision.

Important disclosures

Best Business Loans is an independent introducer and does not provide financial advice. We do not handle client money and we do not arrange credit. Our goal is to introduce you to relevant, regulated professionals who can discuss options in detail and present formal terms.

Clear, fair, and not misleading — our standards and compliance approach

We follow FCA and ASA principles for financial promotions by ensuring our information is clear, fair, and not misleading. While we are not FCA-regulated for credit broking, we align with the spirit of the rules to support good customer outcomes. Content is written in plain English and avoids unrealistic claims.

We do not guarantee approval, the lowest rate, or specific outcomes. Lenders and brokers apply their own criteria, and the final price and terms depend on your business profile, credit history, security, and market conditions. You should review all documentation carefully before agreeing to any finance.

Eligibility and scope

We focus on established UK businesses and do not currently support start-ups, sole traders, franchises, property finance, or commercial mortgages. Typical funding areas include working capital, equipment, vehicles, fit-outs, asset finance, invoice finance, and refinance options. Sector coverage includes construction, manufacturing, logistics, healthcare, hospitality, and more.

Some providers may run a soft credit search early in the process. A hard search may occur if you choose to proceed to a formal application. Always ask the provider how any search will be recorded before consenting.

Affordability and risk

Finance is a commitment that can be expensive if misused. Consider cash flow impacts, total cost of credit, and early repayment terms. If in doubt, seek advice from your accountant or an independent financial professional.

What happens when you submit a Quick Quote

Step 1 — Complete our Quick Quote form with your business details, funding amount, and purpose. It takes a couple of minutes, and there’s no obligation. Our system uses this information to understand your profile and needs.

Step 2 — Our AI-matching engine reviews your details and compares them against lender and broker criteria in our network. The goal is to find suitable providers that are actively lending in your sector. This reduces wasted time and mismatched applications.

Step 3 — We introduce you to relevant providers

We connect you with lenders or FCA-authorised brokers who may be able to help. They will explain product specifics, request documents, and provide indicative terms where possible. You decide whether to proceed, request alternatives, or walk away.

Step 4 — You choose what’s best for your business. Compare terms, repayment profiles, and fees. Make an informed decision based on affordability and your strategic goals.

Documents that often help

Recent management accounts and filed accounts.
Bank statements (usually the last 3 to 6 months).
Asset lists, debtor books, or supplier schedules for specialised facilities.

Supplying accurate information can speed up decisions. Providers may ask follow-up questions to clarify trading performance, cash flow, or asset details. Prompt responses often improve timelines and outcomes.

Industries we support

We commonly help established businesses in construction, manufacturing, logistics, healthcare, hospitality, and agriculture. For sector-specific guidance, see our resource on agriculture business loans. We tailor introductions to providers that understand your sector’s risks, seasonality, and equipment needs.

FAQs, key takeaways, and next steps

Are you a lender?

No — we are not a lender and we do not make lending decisions. We introduce you to suitable lenders or FCA-authorised brokers. They will discuss products, eligibility, and pricing directly with you.

Are you a broker?

We act as an introducer and not as your broker. Some introductions may be to brokers who are regulated by the FCA and will present options from their own panels. They will disclose their terms and any fees if applicable.

Do you charge any fees to use the service?

No — it is free to submit your Quick Quote and to receive introductions. If a lender or broker charges fees, they will tell you before you proceed. We may receive a commission from the provider if you go ahead with a facility.

Can you guarantee the lowest rate?

No — no platform can guarantee the lowest rate in the market. Rates and terms depend on lender appetite, product type, credit profile, and the security available. We focus on suitability, transparency, and relevant introductions.

Will my credit score be affected?

We do not run credit checks. However, a lender or broker you engage with may conduct soft or hard searches as part of their assessment. Always ask the provider how they will process credit searches before you consent.

Is this financial advice?

No — information on our site is for general guidance only. It is not financial advice or a recommendation. Seek independent advice if you need help evaluating specific products or risks.

How quickly can I get finance?

Timelines vary by product and provider. Simple working capital products can be fast once approved, while asset finance or invoice finance setups may take longer due to underwriting and documentation. Supplying complete information can reduce delays.

What types of finance can you help me explore?

Common categories include cash flow loans, equipment finance, vehicles and fleet finance, fit-out finance, asset finance, invoice finance, refinance options, sustainability finance, and products under the Growth Guarantee Scheme. Availability depends on eligibility and lender criteria.

Key takeaways

We are an introducer, not a lender or your broker.
Using our matching service and introductions is free for businesses.
If you proceed, we may receive a commission from the provider.
Any lender or broker fees are disclosed by them before you commit.
No guarantees of approval or the lowest rate — focus on suitability and affordability.

Next steps

Ready to see your options without the legwork? Submit a Quick Quote and we’ll match you with suitable providers for your business and sector. It’s fast, secure, and without obligation.

Questions before you start? Email hello@bestbusinessloans.ai and our UK team will help point you in the right direction. We respect your privacy and only share your details with relevant professionals for your enquiry.

Important information and fairness notice

All financial promotions should be clear, fair, and not misleading. Always consider the total cost of credit and whether finance is appropriate for your circumstances. Updated October 2025.