How do we start, and what happens after we submit a Quick Quote?
The short answer
You start by completing our Quick Quote form with a few details about your business and funding needs. Our AI instantly analyses your profile and introduces you to relevant UK lenders or brokers who may be able to help. You stay in control, compare options, and decide what to do next — with no obligation and no impact on your credit score from the initial enquiry.
Getting started: what we need and why
What the Quick Quote asks for
The form takes around two minutes and asks for essentials: your business name, trading history, sector, funding purpose, and the amount you’re seeking. We’ll also ask for contact details so that we can share matched options and next steps. Clear, concise inputs help our system tailor your matches faster.
Who we can help right now
We focus on established UK companies seeking commercial finance, not consumer credit. At present, we can’t support start-ups, sole traders, franchises, property finance, or commercial mortgages. If you operate in sectors like construction, manufacturing, logistics, healthcare, retail, hospitality, or professional services, you’re in the right place.
How our AI matching saves you time
Instead of contacting dozens of providers, our platform scans lender and broker criteria against your business profile. It highlights funding types that may fit, from cashflow loans and asset finance to invoice finance and refinance solutions. You’ll see a route that’s realistic for your situation, not generic suggestions.
Clear, fair and not misleading
We don’t offer loans or provide financial advice; we introduce you to finance providers who may be able to help. We don’t promise the lowest rate every time, because pricing depends on your profile and each provider’s assessment. Any figures discussed by providers will be indicative until they complete their checks and issue formal terms.
Security and privacy as standard
Your information is handled securely and confidentially. We only share your details with relevant, carefully selected finance partners connected to your enquiry. You can ask us to stop sharing your details or to delete your data at any time.
After you click submit: what happens in the first 15 minutes
Immediate confirmation and initial review
Once you submit, you’ll see a confirmation on-screen and receive an email summary. Our system begins matching your enquiry with suitable lenders or brokers in our network. Where a manual sense-check helps, a UK support team member may briefly review your details to keep the process clear and accurate.
AI-driven matching and triage
Our AI looks at your trading history, sector, funding purpose, and amount requested. It maps these against live provider criteria, product availability, and typical eligibility rules. This reduces mismatches and helps prioritise the most relevant introductions first.
What you’ll receive next
We’ll confirm the funding categories that appear most suitable for your business. If your profile aligns with multiple routes (for example, equipment finance and refinance), we’ll share both. You’ll then be introduced to one or more providers who are actively lending in your space.
No credit search at this stage
Your Quick Quote is an enquiry and does not trigger a credit check by us. Providers may conduct a soft or hard credit search later, but only with your consent and after they have explained why. You can decide whether to proceed at each step.
Setting expectations on timeline
Many introductions occur the same day, often within business hours. Light working-capital cases can move quickly if documents are ready. More complex assets, multi-vehicle fleets, or refinance cases can take longer due to valuation and underwriting.
Your tailored introductions: lenders, brokers, and what to expect
How our introductions work
We’ll connect you by email or phone with one or more matched providers. Each provider will outline what they can offer and what they need to assess your case. You can choose to proceed with one, several, or none — it’s entirely up to you.
What a good first conversation covers
Expect straightforward questions about your business model, recent performance, and funding purpose. Providers will check fit with their criteria and explain indicative terms if possible. If interest is mutual, they’ll request documents to move to assessment.
Typical timelines you can plan for
- Initial introduction and scoping: same day to 1 working day.
- Document collection and eligibility checks: 1–3 working days.
- Underwriting and offer issuance: 2–10 working days, depending on complexity.
No obligation, no pressure
Introductions do not create any obligation to proceed. You can pause or stop at any time, or ask us to refine your matches. If nothing fits right now, we’ll explain why and suggest what could improve eligibility in future.
Sector familiarity matters
Providers with sector experience can often move faster and ask better questions. For example, if you’re in professional services, options for business finance for accountants may focus on recurring revenue and debtor books. In construction or manufacturing, asset-backed routes and staged drawdowns are more common.
Eligibility and documents: getting lender-ready
The documents most providers request
- Last two years’ filed accounts and recent management accounts.
- Business bank statements (typically the last 3–6 months).
- Director ID and proof of address (standard KYC/AML checks).
- Details of existing finance, leases, or liabilities.
- For asset or vehicle finance: quotes, specs, or asset lists.
- For invoice finance: aged debtor/creditor reports and sample invoices.
Credit checks explained
We don’t run credit searches when you submit a Quick Quote. A provider may run a soft search at pre-approval stage, which doesn’t affect your score. A hard search may be required to issue formal terms, and this would only happen with your informed consent.
How pricing and terms are set
Rates, fees, and terms are set by the provider, based on your risk profile and product. Factors include trading history, sector stability, security, and affordability. Any illustration is subject to status, assessment, and underwriting.
Keeping everything fair, clear, and not misleading
We avoid guaranteed claims, unrealistic timelines, or rate promises. Your provider will disclose costs, fees, and key conditions before you decide. Ask questions, compare options, and take independent advice if you’re unsure.
Who pays us and how this affects you
It’s free to submit a Quick Quote and to receive introductions. If you proceed, some providers may pay us an introducer fee; this does not change the offer you receive from them. You can always ask a provider to confirm how they price their products.
Decisions, next steps, and staying in control
Comparing offers and making a choice
If you receive multiple options, compare total cost of finance, repayment profile, covenants, and early settlement terms. Consider how the facility supports your cash flow and growth plans. Choose the route that best balances flexibility, speed, and overall value.
If you’re not eligible today
We’ll tell you why and suggest practical steps to improve your position. Common actions include updating management accounts, reducing debtor days, or preparing clearer asset schedules. You’re welcome to return with improved information at any time.
Staying compliant and transparent
We operate as an independent introducer and do not provide financial advice. We aim to present information that is fair, clear, and not misleading, in line with FCA, ASA, and Google standards. Finance is subject to status, terms and conditions, and provider approval.
FAQs (quick answers)
Are you a lender? No — Best Business Loans is an introducer that connects UK businesses with suitable lenders and brokers.
Will my Quick Quote affect my credit score? No — we don’t run a credit check for your initial enquiry. Providers may conduct a soft or hard check later with your consent.
How fast can I get a decision? Simple working-capital cases can move quickly once documents are ready; complex or asset-backed cases may take longer due to underwriting and valuations.
Do you charge fees? It’s free to submit a Quick Quote and get introductions. We may receive an introducer fee from a provider if you proceed, which does not affect the price you’re offered.
Which businesses do you help? Established UK companies across sectors such as construction, manufacturing, logistics, retail, hospitality, healthcare, and professional services.
Key takeaways
- Complete a Quick Quote in minutes; no credit check at enquiry stage.
- Our AI matches your profile to suitable UK lenders or brokers.
- You’ll receive introductions, document requests, and indicative next steps.
- Compare options, ask questions, and only proceed if it’s right for you.
- It’s free to enquire, with no obligation and clear, fair information throughout.
Ready to begin? Start here: Get your free Quick Quote. If you prefer guidance first, email hello@bestbusinessloans.ai.
Important information: BestBusinessLoans.ai (Best Business Loans) is an independent introducer, not a lender, broker, or financial adviser. We do not provide recommendations or advice. Eligibility, rates, and terms are set by providers and depend on your circumstances. Submitting a Quick Quote does not affect your credit score; providers may conduct credit checks later with your consent. We currently do not support start-ups, sole traders, franchises, property finance, or commercial mortgages. Information on this page is for UK businesses and for general information only. Updated October 2025.