What types of finance can you help me explore (cashflow, asset, invoice, vehicles, etc)?
Short answer: Best Business Loans helps UK businesses explore a wide range of commercial finance options, including cashflow funding, invoice finance, asset and equipment finance, vehicle and fleet funding, refinance and specialist lending. We do not lend directly; instead we use AI matching and our network of lenders and brokers to introduce you to suitable providers. Submit a Quick Quote to check eligibility and get matched to relevant options quickly and without obligation.
Quick overview: which finance types we can explore for your business
Direct answer
We can help you explore the common commercial finance types that established UK businesses typically use, such as cashflow loans, invoice finance, asset and equipment finance, vehicle and fleet funding, refinance and specialist lending. Our platform analyses your business profile and connects you to lenders or brokers who offer those products. You remain in control and receive no-obligation introductions so you can compare options.
Who this is for
Our service is aimed at established UK limited companies and SMEs that need practical, asset-backed, or cashflow solutions to grow, stabilise or restructure. We do not support start-ups, sole traders, franchises, or commercial property mortgages at present. Eligibility and product suitability depend on lender criteria and your business circumstances.
Why use an introducer
Many lenders have different acceptance criteria and product nuances that are time-consuming to navigate alone. Our AI-driven matching speeds up the process and reduces wasted applications by finding lenders actively lending in your sector. This helps you receive clearer indications on likely terms before committing to formal applications.
Cashflow and invoice finance: smooth working capital and faster payments
Cashflow loans and short-term working capital
Cashflow loans and working capital facilities are typically unsecured or lightly secured short-term facilities for day-to-day trading needs. These include overdrafts, short-term business loans, merchant cash advances and line-of-credit products. They are useful for payroll, seasonal stock purchases or bridging timing gaps between payables and receivables.
Invoice finance: factoring and invoice discounting
Invoice finance unlocks money tied up in unpaid customer invoices and comes in two main forms: factoring (where a provider takes credit control and collections) and invoice discounting (where you retain control of collections). Both options can release between 70–95% of an invoice’s value, depending on risk and sector. Invoice finance is particularly suitable for B2B firms in manufacturing, logistics, wholesale and professional services.
Benefits and considerations
These facilities improve liquidity quickly and can be arranged faster than some secured loans. Costs vary by lender and client risk profile, and factors include advance rates, fees, and how collections are handled. We can match you with providers who specialise in your sector so you get realistic costs and terms early in the process.
Asset, equipment and technology finance: fund core capital expenditure
What is asset and equipment finance?
Asset finance covers loans, leases and hire purchase agreements designed to fund machinery, plant, IT systems and other capital equipment. This lets businesses acquire necessary assets without a large upfront capital outlay and often preserves working capital. Typical structures include finance leases, operating leases, hire purchase and asset refinance.
Common use-cases and sectors
Manufacturers use equipment finance for production machinery, contractors fund tools and plant, and hospitality or healthcare operators upgrade specialist systems. Lenders usually value the asset as security, which can improve approval chances even if credit history is limited. We match you to lenders experienced with your asset class to speed decision-making and reduce valuation surprises.
Key advantages and tax considerations
Asset finance can deliver predictable monthly costs, potential tax benefits (capital allowances and leasing tax treatment) and flexible end-of-term options. Lease and hire purchase terms can be structured to match asset life and business cashflow. We help you compare total cost of ownership, tax impacts and exit options when considering offers.
Vehicles, fleet and specialist commercial vehicle funding
Vehicle finance options
Vehicle funding covers hire purchase, contract hire (operating lease), finance leases and fleet refinancing for cars, vans, HGVs and specialist commercial vehicles. Terms and funding structures differ by vehicle type, mileage, and whether maintenance or fleet management services are bundled. Lenders range from mainstream banks to specialist vehicle finance houses.
Fleet funding and management
For businesses running multiple vehicles, fleet finance packages can consolidate payments, include maintenance and provide predictable budgeting. Fleet funders often offer telematics and remarketing support which reduces lifetime costs. We match fleet requirements to providers that handle depreciation, disposal and contract flexibility.
Refinance and replacement planning
Refinancing existing vehicle contracts or arranging staged replacement programmes preserves cashflow and can reduce monthly costs. Lenders consider age, condition and mileage when refinancing fleet assets. Our introductions help you access brokers or funders who specialise in vehicle remarketing and lifecycle planning.
Specialist note on compliance
Best Business Loans is an introducer and is not regulated to advise on regulated consumer credit products, and we do not provide credit ourselves. We make clear that all introductions are to third-party lenders or brokers and that any finance agreement will be subject to the lender’s terms, credit checks and affordability assessments. Always read lender documents carefully and get independent advice where needed.
Other finance types, how to get started, and key takeaways
Other funding options we can explore
Beyond the categories above, our platform can help you explore refinance and restructuring, growth term loans, sustainability and green finance for energy upgrades, and sector-specific facilities such as agricultural or export finance. We also connect businesses to bridging and short-term property-related lending where appropriate and eligible. Each option depends on lender appetite and your business profile.
How to start — the Quick Quote and eligibility check
Begin with our Quick Quote form which takes only a few minutes to complete and gives an early Decision in Principle or eligibility check. Our AI analyses key factors such as turnover, sector, asset values and purpose, then identifies lenders and brokers that best fit your needs. You’ll receive introductions and can choose which providers to pursue for formal applications.
What information helps applications succeed
Have recent accounts, management accounts, cashflow forecasts, asset details and invoice ageing ready where possible. Clear documentation speeds lender decisions and helps our AI match you more accurately. If confidentiality is a concern, we share details only with lenders relevant to your enquiry and operate under strict data-handling practices.
Transparency, risks and compliance
We are independent and do not guarantee funding or the lowest rates; outcomes depend on lender underwriting. All finance carries cost and risk, including default and security loss; you should consider affordability and alternatives. Best Business Loans does not give regulated financial advice and any final offer will come from an authorised lender or broker who will perform checks and provide full terms.
Next steps and a clear call to action
If you want to explore the full range of business finance for your company, complete a Quick Quote to receive tailored matches and an eligibility check. For more background on how business finance works and the types of products available, see our detailed guide to business finance here: business finance. Our team is also available to answer questions by email at hello@bestbusinessloans.ai.
Key takeaways
- We help established UK businesses explore cashflow, invoice, asset, equipment, vehicle and bespoke funding options by introducing you to lenders and brokers.
- Our AI matching saves time and increases the chance of being introduced to lenders actively lending in your sector.
- We do not lend directly and do not provide regulated advice; all finance is subject to lender terms, checks and affordability assessments.
- Start with a free Quick Quote for an eligibility check, Decision in Principle or to get matched to providers who understand your needs.
Ready to explore finance options for your business? Submit a Quick Quote now to get matched and receive an eligibility check without obligation. Our platform is fast, confidential and designed to help you compare practical funding routes so you can decide with confidence.