Do you guarantee approval or the lowest rates?

Short answer — clear and immediate

No. Best Business Loans does not guarantee loan approval, nor do we promise to secure the absolute lowest market rates for every enquiry. We act as an independent introducer and matching platform that helps UK businesses find the most suitable lenders and brokers for their circumstances.

Why we cannot guarantee approval or the lowest rates

Loan approval and interest rates are determined by lenders based on many factors that are outside our control. These include lender-specific credit criteria, current market conditions, the borrower’s financial history, and the type of security or collateral offered.

Because we introduce enquiries to multiple providers, we cannot promise that any single lender will approve a particular application. We also cannot promise we will always find the single lowest headline rate on the market at any given moment, as rates change and offers vary by business profile.

Regulatory and practical limits

We are not a lender and we are not authorised to underwrite credit decisions, so we cannot lawfully or practically guarantee outcomes. Our role is to provide a fast, transparent introduction to lenders and brokers who are likely to review your case favourably.

What we do guarantee and what we aim to deliver

We guarantee that your Quick Quote is handled with confidentiality and professionalism and that we only share your details with carefully selected, relevant providers. We also guarantee our platform aims to match you to lenders or brokers who are actively lending to businesses like yours.

What we aim to deliver is a better chance of a good outcome by saving you time and focusing your applications on the most relevant providers. We use AI-driven matching and human oversight to reduce unsuitable approaches and avoid repeated rejections that can harm credit profiles.

We will always be transparent about our role: we introduce and match, we do not lend, and we do not charge you to submit a Quick Quote on our platform.

Why approvals and rates vary between providers

Lenders assess risk differently. One lender’s acceptable risk profile may be another’s decline, so the same business can be approved by one provider and declined by another. Factors include sector risk, turnover, time in business, profit margins, historic credit performance, and security offered.

Rates depend on the lender’s cost of capital, risk appetite, product type (for example, asset finance versus unsecured working capital), term length, and any government-backed schemes. Market volatility and macroeconomic factors also affect offered rates and fees.

Broker fees, arrangement fees, and lending structures (such as fixed versus variable rates, or inclusion of arrangement fees) further influence the effective cost of any facility. A headline rate alone may not reflect the true total cost of borrowing.

How we help you improve approval chances and rate outcomes

Complete a Quick Quote with accurate, concise information so our AI and expert partners can make an informed eligibility assessment. The better and more complete the information, the more precise our matching and the fewer unnecessary applications you will make.

We also provide practical guidance on the documents and information lenders commonly request, such as recent accounts, management accounts, cash-flow forecasts, and details of existing borrowing. Preparing in advance can shorten decision times and may improve terms offered by lenders.

If your situation is complex, we can connect you with specialist brokers who handle distressed, turnaround, or non-standard applications. Specialist brokers often secure more competitive terms by negotiating on your behalf and presenting your case in the best light.

What to expect next and how to proceed

When you submit a Quick Quote you will receive a fast assessment and introductions to lenders or brokers matched to your needs. Those providers will complete eligibility checks, which may include a soft or hard credit search depending on their processes and your consent.

Expect lenders to ask for supporting documents and to provide indicative pricing or a Decision in Principle rather than a binding offer at first. A Decision in Principle gives you a clearer idea of approval likelihood and possible rates without committing you to the product.

To explore options such as consolidating or restructuring existing debt, including refinance possibilities, see our dedicated refinance information here: refinance options. Submitting a Quick Quote is the fastest way to begin an eligibility check and receive tailored introductions.

How to read and compare quotes fairly

Compare like-for-like when assessing offers: look at the total cost of borrowing, APR where applicable, fees, term length, and any early repayment charges. Ask each lender to explain all fees and the full repayment schedule before you sign anything.

Consider the practical fit as well as cost: speed of funding, flexibility of repayments, and whether the lender expects security or personal guarantees. Sometimes a slightly higher rate is offset by faster funding or fewer penalties for early repayment.

Common questions we receive

Will multiple applications hurt my credit score? Limited soft searches for eligibility do not affect credit records, but multiple hard searches from full applications can. We work to minimise unnecessary full applications by first matching you to likely providers.

Are you regulated by the FCA? Best Business Loans operates as an independent introducer and is not a lender. We are not authorised to lend or provide personal financial advice, so any regulated arrangements will be handled by the individual lenders or authorised brokers we introduce.

Compliance, transparency and fair, clear information

We follow FCA advertising principles and ASA guidelines in presenting our services fairly, clearly, and without misleading claims. We will not say we guarantee approval or the lowest rate, and we make clear our role as an introducer in all communications.

When we promote finance options, we encourage providers to disclose costs and conditions plainly, enabling you to make an informed choice. If an offer is regulated or requires specific disclosures, you will receive those from the authorised lender or broker handling your case.

Next steps — get an eligibility check and a Quick Quote

If you want a practical next step, complete our Quick Quote form for a fast, free assessment and introductions to matched lenders or brokers. This starts an eligibility check that can produce a Decision in Principle and show you likely terms without obligation.

Use the Quick Quote to understand what providers see as your strengths and where additional documentation or guarantees could improve your outcomes. You remain in control of which introductions to accept and which lenders to progress with.

Key takeaways

• No guarantees: we cannot promise approval or the single lowest rate for every business.
• What we offer: AI-driven matching, confidentiality, and introductions to relevant lenders and brokers.
• How to improve outcomes: provide accurate information, prepare supporting documents, and consider specialist brokers for complex cases.
• Compare offers by total cost, not headline rate, and check for fees and penalties before committing.
• Start with a Quick Quote to get a Decision in Principle and tailored lender introductions.

Ready to check eligibility?

Submit a Quick Quote to begin a no-obligation eligibility check and receive matched introductions to lenders and brokers. Our team and platform are here to help you explore options, clarify costs, and move your business finance journey forward.

Contact our support team if you need help before submitting: hello@bestbusinessloans.ai. We will explain the process and what documents to have ready for a smoother eligibility check.