Do you charge any fees to use BestBusinessLoans.ai, and how are you paid?
The short answer and what to expect
No — we do not charge you any fees to use BestBusinessLoans.ai. Our service is free for UK businesses to submit a Quick Quote, check potential eligibility, and be introduced to suitable lenders or brokers. If you choose to proceed with a provider we introduce, we may receive an introducer fee or commission from that provider.
There is no obligation to take any offer you are shown, and requesting a Quick Quote will not lock you into any agreement. We aim for all information to be clear, fair and not misleading, so you understand how we operate before you decide your next steps.
Any fees that might apply are between you and the lender or broker, and will be disclosed by them. We will always encourage open, written disclosure of any arrangement fees, interest, charges, or commissions that could affect your decision.
What “free to use” means in practice
- Submitting your Quick Quote is free and without obligation.
- We introduce you to providers that appear relevant based on your details.
- We may be paid by the provider if you proceed to a finance agreement.
Where you could encounter charges
- Some brokers charge an arrangement or success fee — disclosed by them.
- Some lenders charge set-up, documentation, valuation or other fees — disclosed in their terms.
- Any third-party costs will be explained by the provider before you proceed.
Our commitment to “clear, fair, and not misleading”
We are an independent introducer, not a lender, and we do not provide regulated financial advice. We present information to help you make an informed decision without pressure, hype, or unrealistic promises. You remain in control throughout.
How Best Business Loans is remunerated
We are typically remunerated by lenders or brokers via an introducer fee or commission if you choose to progress and a finance facility is completed. This payment comes from the provider, not from you, and is often part of their standard customer acquisition cost. If no facility completes, we generally receive no payment.
The way we are paid should not increase the price you pay versus approaching the provider directly. However, pricing is ultimately controlled by the provider, and we encourage you to compare offers and read all terms carefully.
We do not charge you any fees for using our website, completing an eligibility check, or being introduced to potential finance partners. If a provider intends to charge a fee, they will present this transparently and in writing.
Introducer fees and commissions explained
- Introducer fee: a fixed or percentage-based fee paid by a provider when a facility completes.
- Commission: a fee linked to the value or type of facility, paid by the provider.
- No facility, no fee to us: if nothing completes, we generally receive nothing.
Does commission affect your rate or product choice?
Our matching process is designed to prioritise suitability and relevance to your sector and funding need. We do not rank providers based solely on commission. You should always review multiple options, compare costs, and select what best fits your cash flow and objectives.
Transparency and disclosure
If you ask us whether we will receive a commission for a specific introduction, we will tell you. We support full disclosure so you can weigh any potential conflicts before making a decision. Your trust matters more than a short-term fee.
When could you be charged by others?
While our platform is free to use, some brokers and lenders charge fees for their own services. These are not our charges, and they will be shown by the provider before you proceed. Examples include arrangement fees, documentation fees, valuation or legal fees, and early settlement charges.
Broker fees are most common in specialist or complex cases where additional work is needed. Lender fees are product-specific and will appear in their quotes or facility letters. Always request a full written breakdown of costs before you sign anything.
If a provider proposes a fee, you can ask whether it is refundable, capped, success-based, or contingent on approval. You should not pay any fee unless you understand what it covers and when it is due.
Common provider-charged fees
- Arrangement or success fee (broker or lender)
- Documentation or administration fee
- Valuation, survey, or site inspection fee
- Legal costs or due diligence costs
- Early settlement or termination charges
Sector example: printing and signage
If you operate in print, signage, or fabrication, some providers may require equipment valuations. This cost, if any, would be disclosed by them before you proceed. For more context on sector-specific funding, see our guide to printing business loans.
What we will tell you upfront
- We will be clear that we do not charge you to use our site.
- We will tell you if a provider is likely to charge a fee.
- We will encourage you to request written disclosures and compare options.
Our process, independence, and compliance standards
Our AI-led process helps identify lenders or brokers who are actively lending in your sector and may be suitable for your use case. You complete a short Quick Quote form, our system matches your profile, and we introduce you to relevant providers. You then review options and decide your next step.
We are independent and do not work exclusively with any single lender or broker. We cannot promise the lowest rate, instant approval, or guaranteed funding, and we do not recommend products as regulated advice.
Our communications strive to be accurate, balanced, and practical, reflecting FCA principles of being clear, fair, and not misleading. Although we are not authorised by the FCA, we aim to align with good practice to support confident decision-making.
Will a Quick Quote affect your credit score?
Submitting our Quick Quote does not run a credit check. If you proceed with a provider, they may perform a soft or hard search depending on the product and stage of application.
You will be informed by the provider if a search is required and what type it will be. If you are unsure, ask the provider to confirm in writing before they proceed.
Who we can help — and who we cannot
- We typically help established UK limited companies and LLPs.
- We do not currently support start-ups, sole traders, franchises, property finance, or commercial mortgages.
- Common use cases include cash flow, equipment, vehicles, fit-out, and asset finance.
Authorisation status and advice
We act as an independent introducer and do not lend or provide regulated financial advice. Any finance agreement will be between you and the provider.
You should seek independent legal, tax, or financial advice if you need personalised guidance. We encourage professional advice for complex or high-value decisions.
Data privacy and security
Your information is handled securely and shared only with relevant providers connected to your enquiry. We never sell your data.
You can contact hello@bestbusinessloans.ai to request data access or deletion. For more, see our privacy information on the site.
FAQs, key takeaways, and next steps
Below are concise answers to common questions about fees and how we are paid. These reinforce our approach to transparency and user-first design. If anything remains unclear, please email our UK support team.
FAQs
Do you charge me to use BestBusinessLoans.ai?
No, using our platform and submitting a Quick Quote is free. You are under no obligation to proceed with any offer. We do not charge you a fee.
How are you paid?
If you proceed with a provider we introduce and a finance facility completes, we may receive an introducer fee or commission from that provider. This is paid by the provider, not by you.
Will using you make my finance more expensive?
The fee we may receive is paid by the provider as part of their customer acquisition costs. It should not increase what you pay versus going direct, but pricing is always set by the provider.
Can brokers or lenders charge me fees?
Yes, some may charge arrangement, documentation, valuation, or legal fees. Any such fees will be disclosed by the provider before you proceed.
Do you provide regulated financial advice?
No, we are an independent introducer and do not provide regulated advice. Consider seeking independent advice if you need personal recommendations.
Will a Quick Quote affect my credit score?
No, our Quick Quote does not trigger a credit check. Providers may run searches later, and they will tell you before they do.
What if I have a complaint?
Email hello@bestbusinessloans.ai with details and we will investigate. If your complaint concerns a provider’s service or fees, please contact them directly under their process.
Key takeaways
- We do not charge you to use BestBusinessLoans.ai.
- We may receive an introducer fee or commission from a provider if you complete a facility.
- Any broker or lender fees are disclosed by them before you proceed.
- We aim to be clear, fair, and not misleading at every stage.
- You stay in control and can compare options without obligation.
Ready to check eligibility?
It takes minutes to submit a Quick Quote and see potential matches for your business. There is no obligation, and your enquiry is handled securely and confidentially.
Start now to explore cash flow loans, asset finance, invoice finance, vehicles, equipment, or fit-out solutions. Get a Quick Quote, a Decision in Principle, or an eligibility check — fast.
Updated: October 2025
Important information and fair-use notices
BestBusinessLoans.ai is an independent introducer for UK businesses and does not lend or provide regulated financial advice. Eligibility, rates, and terms are set by providers and subject to status, affordability, and credit checks.
Content on this page is for information only and is not advice or a recommendation. Please read provider documentation carefully and obtain independent advice if you are unsure.