What is the minimum trading history or turnover most lenders require?
Most UK lenders want 12+ months' trading and c.£75k–£250k turnover; banks prefer 24 months. Invoice finance/MCA can work from 3–6 months.
Christian Strutt
Do you support law firms with high legal aid exposure or longer panel-payment terms?
Introducing UK law firms with high legal aid or 60–180 day panel payments to specialist funders for WIP, disbursement and receivables funding.
Is funding available for mergers, acquisitions or integrating another practice?
UK businesses can obtain finance for mergers, acquisitions and practice integrations — funding goodwill, working capital, IT, and post-deal costs.
Can you help with short-term top-up funding around PII renewal or tax deadlines?
Short-term top-up funding for PII renewals and HMRC tax deadlines — AI-led matching to lenders/brokers, quick quotes; introducer, not a lender.
Can repayments be tailored around our cashflow, PII renewal dates or seasonal peaks?
Repayments can be tailored to your cash flow, PII renewal dates and seasonal peaks. Submit a Quick Quote to find lenders with flexible plans.
Are soft searches used initially, with hard searches only when we proceed?
Most UK business lenders use a soft credit check first (no score impact). A hard search is only run with your consent when you apply.
Do you receive commission from providers, and does that impact our total cost?
Best Business Loans may receive commission, but using our platform is free. Commissions usually don't increase cost; any broker fees disclosed.
Are you a lender or an introducer, and do you charge our firm any fees?
Best Business Loans is an independent introducer (not a lender). We don’t charge firms for Quick Quotes or introductions; providers disclose any fees.
How does your AI matching process work for professional practices?
Our AI matches professional practices to lenders by analysing profile, funding purpose and eligibility, providing ranked, timely introductions.
Do Lexcel or CQS accreditations improve our eligibility or pricing?
Lexcel and CQS can improve eligibility and modestly lower pricing by showing strong governance — but financials, PII and lock‑up matter most.
Can we still get finance if the firm has a CCJ or historic credit issues?
UK SMEs can often secure finance despite a CCJ or past credit issues - invoice, asset or secured funding may be available if affordability is proven.
Can you help if we have HMRC arrears or need support alongside a Time to Pay arrangement?
We match UK firms with HMRC arrears or Time to Pay to lenders/brokers who may consider invoice finance, asset or secured working capital.