Will an Eligibility Check or Quick Quote affect my credit score (soft vs hard checks)?
Most Quick Quotes use soft credit checks that won't affect personal scores; hard checks apply to formal applications or guarantees, only with consent.
Category Business Loans
What security might lenders take (asset-backed, debenture, director guarantee)?
UK guide to lender security: asset-backed finance, debentures (fixed/floating) and director guarantees, with negotiation and next-step tips.
What happens after I receive a Decision in Principle, and what checks follow?
After a Decision in Principle you'll face identity, credit, financial and asset checks; DIP is conditional - use a Quick Quote to compare lenders.
How is my business data used, and who will it be shared with?
We use your business data to AI-match you with vetted lenders/brokers, share only as needed (no selling), protect it; request access or deletion.
How fast can I receive an Eligibility Check, Decision in Principle and funding?
Eligibility checks: minutes–24h; Decision in Principle: 24–72h; funding: same day to several weeks depending on product, security and paperwork.
How does your AI matching work to connect my enquiry with suitable providers?
Our AI matches your business to a ranked shortlist of lenders and brokers using rules and ML; secure, consented introductions keep you in control.
Do you operate across England, Scotland, Wales and Northern Ireland?
Best Business Loans operates across England, Scotland, Wales and Northern Ireland — an AI matching introducer. Get a free Quick Quote for eligibility.
Do you lend directly, or do you introduce me to lenders and brokers?
We don't lend directly. Best Business Loans uses AI to match UK SMEs with lenders and regulated brokers — you control any application and offers.
Do you charge any fees to enquire, and are there any broker or lender fees I should expect?
Free to submit a Quick Quote — Best Business Loans charges nothing to enquire. Brokers or lenders may apply fees; always request a full breakdown.
Can you help if my business has adverse credit, arrears or historic CCJs?
We help UK businesses with adverse credit, arrears or historic CCJs find specialist lenders or brokers via a free Quick Quote eligibility check.
Will I need to give a personal guarantee or additional security?
Guide to when lenders ask for personal guarantees or additional security, types, risks, negotiation tips and how Best Business Loans can help.
What happens after I submit the online enquiry form?
Submit the form and our AI matches your business to suitable lenders/brokers. We may contact you; then you can request Quick Quotes, DIPs or checks.