What minimum trading history or turnover do I need to be eligible?
Many UK lenders prefer 12+ months’ trading and £100k+ turnover; earlier-stage options (merchant cash advance, invoice finance) may still apply.
Christian Strutt
Can I refinance or consolidate existing equipment or business finance?
Many UK SMEs can refinance or consolidate equipment and business finance to lower payments, release equity, or simplify repayments—compare total costs
Can I apply if I already have existing business loans or leases?
You can apply with existing loans or leases—lenders focus on affordability, repayment history and purpose. Use strong MI; Quick Quote matches you.
Will I need to provide security or a personal guarantee?
Most UK SME finance needs security or a director personal guarantee. Learn when each applies, how to limit exposure, and prepare to qualify.
Is credit always subject to status, affordability and terms and conditions?
UK business credit is almost always subject to status, affordability and terms — lenders also assess risk, repayment capacity and T&Cs.
What rates, fees and APRs should I expect to be shown by providers?
Guide to UK business finance pricing: what rates, fees and APRs to expect across loans, asset/invoice finance, MCAs and overdrafts - and how to compare
What repayment terms are available for working capital and asset finance?
UK repayment terms: working capital 3–60 months; asset finance 1–7 years. Options: seasonal, revenue‑linked, balloons. Compare via Best Business Loans
Do you arrange property finance or commercial mortgages?
We don't arrange property or commercial mortgages. We match UK trading businesses to non-property finance and can signpost authorised specialists.
Can you help with franchise finance or franchisees?
We don't support franchise finance or franchisee applications. We can match non-franchise UK businesses to asset, invoice and vehicle finance.
Are start-ups or sole traders eligible, or do I need to be a limited company/LLP?
We match established UK limited companies and LLPs to commercial lenders — not start-ups or sole traders. See alternatives and submit a Quick Quote.
Which food and drink sectors do you support (dark kitchens, QSR, catering, pubs, bakeries)?
We connect UK food & drink businesses — dark kitchens, QSRs, caterers, pubs and bakeries — with lenders for equipment, fit-out and cashflow loans.
Do you support sustainability upgrades like heat recovery or energy-efficient cooking equipment?
We match established UK businesses to lenders and brokers for finance on energy-efficiency upgrades (heat recovery, efficient cooking, refrigeration).