Do you provide financial advice, or just introductions to providers?
Short answer — what we do, in one clear statement
Best Business Loans does not provide regulated financial advice; we operate as an independent introducer that connects UK businesses with suitable lenders and accredited brokers.
We use AI-driven matching and an experienced network to recommend potential funding partners, and we encourage users to request Quick Quotes and speak with the provider for tailored, regulated advice.
Who we are and what an introducer means
We are a UK-based platform that helps established businesses find appropriate finance options using intelligent matching technology.
We are not a lender, and we do not underwrite or issue credit ourselves; instead, we introduce you to lenders and regulated brokers who may be able to help.
Because we do not give personalised regulated advice, any decision about the suitability of a product will be made by you and, where applicable, by the regulated provider you choose to engage.
What we are not
We are not an FCA-authorised firm or an independent financial adviser (IFA).
We do not give regulated mortgage, consumer credit, or investment advice, nor do we recommend that any single product is definitively the best for your unique circumstances.
How our introductions work — the practical process
Start by completing our Quick Quote form, which takes a few minutes and collects non-sensitive information about your business and funding needs.
Our AI analyses your profile and matches you to lenders and brokers in our network who typically lend to your sector and funding purpose.
We then introduce you to those providers so they can follow up with eligibility checks, tailored offers and, if required, regulated advice from an authorised broker or lender.
For example, if you need short-term working capital, our matching can direct you to providers that specialise in cashflow loans and invoice finance.
Learn more about cashflow loans and how they work here: cashflow loans.
Introductions versus regulated financial advice — the key differences
Introductions: we present likely-suitable providers based on the information you share and leave the final suitability checks to those providers and you.
Regulated financial advice: an FCA-authorised adviser will assess your full circumstances, explain alternatives, and provide a personal recommendation that considers suitability and regulatory obligations.
Only an FCA-authorised adviser can provide regulated advice and personalised recommendations that a consumer can reasonably rely upon as meeting regulatory standards.
Why this distinction matters
Regulated advice involves a duty of care, documented suitability reports, and compliance with FCA rules such as CONC and MCOB where applicable.
Our introductions are designed to make the search process faster and more efficient, but they are not a substitute for regulated advice when that is required.
What to expect after an introduction — the next steps
After we introduce you, a lender or broker may contact you to request more information and perform a full eligibility check or a Decision in Principle.
Regulated brokers and lenders will typically ask for management accounts, bank statements and identity verification before issuing formal offers.
When a provider offers regulated advice, they should explain the product, costs, risks and whether the product is suitable for your business needs.
Questions to ask providers and brokers
Ask whether the provider is FCA-authorised and, if so, request their firm reference number (FRN).
Ask for a clear breakdown of fees, interest rates, repayment terms and any early repayment penalties.
Ask whether the recommendation is a personal recommendation and request written confirmation of suitability if regulated advice is provided.
Trust, transparency and how we follow best practice
We aim to be clear, fair and not misleading in all communications, following the spirit of FCA and ASA rules for financial promotions.
We never hide fees or make unrealistic claims about guaranteed outcomes or the lowest possible rates across the whole market.
We only share your information with carefully selected partners relevant to your enquiry, and we request that they handle your data securely and compliantly.
Our platform also supports multi-intent search: we provide informational content, introductory connections, and clear next steps so you can progress to regulated advice where required.
Before you proceed with any provider, confirm whether they are authorised for the specific type of product and ask for written terms.
How Best Business Loans adds value without giving regulated advice
We reduce search costs and speed up introductions by using AI to filter providers by sector, product type and typical lending criteria.
We surface options you might not find quickly on your own, helping you compare providers that are currently active in your market.
We also signpost key differences between product types and provide checklists so you can have more productive conversations with lenders or brokers.
Who should use our service, and when to seek regulated advice
If you need to explore funding options, compare routes, or want a fast Decision in Principle, our Quick Quote is a practical first step.
If your situation requires a personalised suitability assessment, tax or legal advice, or you need regulated consumer credit or mortgage advice, ask for an FCA-authorised adviser.
Using our introductions first does not prevent you from seeking independent regulated advice later; in many cases, it helps you arrive at those conversations better prepared.
Key takeaways — the short summary
Best Business Loans provides introductions to lenders and brokers rather than regulated financial advice.
We use AI matching to connect UK businesses with providers likely to meet their needs and encourage users to request Quick Quotes and speak to authorised advisers for tailored recommendations.
Always check whether a provider is FCA-authorised for the product you are considering and ask for written terms and suitability confirmation where regulated advice is given.
Ready to get started?
Complete a Quick Quote on our site to see which providers may match your business profile and funding purpose.
It’s free, quick, and puts you in control of the next steps towards a formal offer or regulated advice.
If you’d like help before submitting your quote, email our UK support team at hello@bestbusinessloans.ai.
FAQs
Q: Do you charge for introductions?
A: Submitting a Quick Quote is free and there are no hidden fees for the introduction from Best Business Loans.
Q: Will an introduction guarantee a loan?
A: No. An introduction does not guarantee an outcome; a lender or broker will still carry out eligibility checks and credit assessments.
Q: How can I tell if a provider is FCA-authorised?
A: Ask the provider for their FCA firm reference number and verify it on the Financial Services Register.
Updated: October 2025. Best Business Loans is an introducer only and does not provide regulated financial advice.