How does invoice finance work and am I eligible?
Invoice finance advances cash against unpaid B2B invoices to improve cash flow. Eligibility depends on trading history, debtor credit and sector risk.
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Can I refinance or consolidate existing business finance?
UK businesses can refinance or consolidate finance to cut costs, simplify repayments or extend terms. Compare fees, eligibility and cashflow impact.
What trading history, turnover, or affordability do providers usually require?
UK lenders typically require 12–36 months' trading, turnover thresholds vary by product, and affordability checks use cashflow, DSCR and accounts.
Can you help if my business has adverse credit, CCJs, or arrears?
Best Business Loans helps businesses with adverse credit, CCJs or arrears get eligibility checks and AI-matched lenders/brokers via free Quick Quote.
Will I need to provide security or a personal guarantee?
Many UK business loans may require security or a personal guarantee; negotiate caps, sunset clauses and get legal advice before signing.
How quickly can funding be completed after a DIP, subject to provider checks?
A DIP is conditional; funding can take days for simple cases or 2–6 weeks for secured/complex deals. Prepare docs and respond quickly.
Can I choose which introductions to pursue and compare multiple options?
You control introductions: accept, decline or pause them. Compare multiple lenders or brokers on rates, fees, terms and speed. No obligation.
Am I obligated to proceed after receiving introductions or a DIP?
Introductions or a DIP usually don't bind you to borrow, but check engagement terms, fees, exclusivity and whether searches are hard or soft.
Do you charge me for using the service? How do you make money?
Free for UK businesses - Best Business Loans earns from lenders/brokers for introductions; provider fees may apply and will be disclosed.
What fees might I pay (arrangement, broker, exit, early repayment)?
Understand arrangement, broker, exit and early repayment fees: types, how they're charged, compare total cost, negotiate and request fee breakdowns.
Do you guarantee the lowest rate?
We don't guarantee the lowest rate. Best Business Loans matches UK businesses to suitable lenders and brokers to help find competitive finance.
How are interest rates and fees set, and what factors affect them?
How lenders set business loan rates and fees: benchmark plus margin, fees for setup and risk, and factors you can influence to lower costs.