What types of finance can you help with (cashflow loans, asset finance, invoice finance, etc)?
Short answer — the types of finance we can help you explore
Best Business Loans helps UK businesses identify and connect with lenders and brokers for a wide range of commercial finance options. We do not provide lending ourselves; instead we match your business to suitable providers for cashflow loans, invoice finance, asset finance, and many other options. Complete a Quick Quote to get an eligibility check and tailored introductions fast.
1. Cashflow loans and short-term working capital
Cashflow loans are designed to bridge temporary gaps between income and expenditure. They let you cover payroll, purchase stock, or meet unexpected costs without changing long-term plans.
Types include short-term business loans, overdrafts, revolving credit facilities, and merchant cash advances. Each product has different terms, application criteria, and repayment profiles, so matching the right lender matters.
We assess your turnover, trading history, industry risk and required repayment horizon to find the most relevant lenders. Our AI highlights providers actively lending to your sector and flags eligibility issues before you apply.
Typical use cases we see are seasonal businesses, contractors waiting for retainers, and firms growing quickly but needing temporary liquidity. If you want to explore cashflow funding, submit a Quick Quote and we’ll connect you to suitable options.
2. Invoice finance (factoring and invoice discounting)
Invoice finance unlocks cash tied up in unpaid customer invoices so your business can access working capital quickly. Factoring involves a funder buying your invoices and usually managing collections; invoice discounting gives you the cash while you retain collections control.
Benefits include faster access to cash, improved liquidity forecasting, and scaling funding as sales grow because facilities often link to invoice values. It suits B2B businesses with established invoices and creditworthy customers.
We match businesses to invoice finance providers that specialise in particular sectors such as manufacturing, logistics, and professional services. Our system can indicate whether factoring or discounting better suits your needs based on customer concentration and confidentiality preferences.
If your business has regular invoice cycles and needs predictable cash, invoice finance is often a faster alternative to traditional loans. Complete a Quick Quote to see which providers in our network are a fit for your customer profile.
3. Asset finance: equipment, vehicles, and machinery
Asset finance covers several options that let you acquire equipment without large upfront capital outlay. Common routes include leasing, hire purchase (HP), and asset refinancing, each offering different ownership and accounting outcomes.
Leasing lets you use equipment for a term with lower initial cost, while hire purchase spreads payments and lets you own the asset after the final payment. Asset refinancing releases cash from assets you already own to improve liquidity or fund growth.
We help match you to lenders experienced in sector-specific assets, such as agricultural machinery, manufacturing plant, IT hardware and commercial fleets. Specialist lenders often offer tailored terms and can consider asset life and residual values when pricing.
Asset finance can preserve working capital and may provide tax or balance sheet benefits, depending on your accounting approach. Use our Quick Quote to outline the asset type, value and desired term and we’ll recommend suitable funders or brokers.
4. Vehicles, fleet finance and specialist transport funding
Vehicle and fleet finance is a subcategory of asset finance focused on cars, vans, HGVs and specialist commercial vehicles. Funding options include hire purchase, finance leases, operating leases and fleet management packages.
Fleet finance providers may offer maintenance bundles, replacement programmes and flexible mileage terms to suit operational needs. Lenders look at fleet size, vehicle age, projected utilisation and sector risk when assessing applications.
Our platform matches transport and logistics businesses to lenders who actively support fleets, including options for electric vehicle upgrades and greener fleets. We can also identify providers offering flexible seasonal terms for businesses with variable demand.
If you plan to invest in a single vehicle or scale a fleet, submit a Quick Quote with vehicle details and expected usage to get tailored introductions. We will highlight lenders that understand your sector and the regulatory factors affecting vehicle finance.
5. Other commercial finance types (refinance, fit-out, sustainability and growth support)
Beyond cashflow, invoice and asset finance, we help businesses explore a range of commercial funding solutions. These include fit-out finance for premises, sustainability or green loans for energy efficiencies, refinancing to consolidate debt and growth-guarantee style facilities for expansion.
Refinance options can reduce monthly costs, extend terms or consolidate multiple agreements into a single facility. Fit-out and refurbishment finance supports hospitality, retail and office projects with tailored repayment schedules.
Sustainability loans and green finance may offer preferential terms for investments that reduce energy usage or carbon emissions. We can point you to lenders offering such products and to government-backed schemes where eligible.
We also assist companies looking for longer-term growth funding such as term loans, mezzanine finance and broker-led capital introductions. For commercial mortgage or property funding we can advise on options but do not arrange regulated mortgages.
To explore any of these options, use our Quick Quote to provide details about purpose, amount and timescale. We will match you to the most appropriate providers in our network and outline realistic eligibility prospects.
How Best Business Loans helps you choose
We use AI-powered matching and human oversight to filter lenders and brokers who are actively lending in your sector and to businesses of your size. Our service reduces the time and risk of applying to unsuitable lenders and improves the quality of introductions.
Submitting a Quick Quote provides a preliminary eligibility check and a Decision in Principle if the lender supports it. You remain fully in control and can choose which providers to contact; there is no obligation and no fee to use our matching service.
Please note we are an introducer and not a lender. We do not provide regulated advice and are not subject to the FCA’s permissions for lending or regulated mortgage activities. We will, where relevant, indicate if a lender is FCA-authorised so you can verify credentials.
Compliance, transparency and next steps
We aim to be clear, fair and not misleading in line with FCA and ASA principles for financial promotions. We state what we do, who we introduce you to, and where regulated advice or approval is required. Providers we connect you with will set out full terms, costs and eligibility criteria before any contract.
If you are ready to explore options, start with a Quick Quote and include details of your turnover, trading history and the finance purpose. For a broader view of term business lending options see our business loans page for further guidance and to compare products.
Explore business loans and term finance to learn how term loans, growth facilities and refinancing compare and to self-assess which might suit your business needs.
Key takeaways
- We can help you explore cashflow loans, invoice finance, asset and vehicle finance, fit-out and sustainability loans, refinancing and growth funding.
- Best Business Loans is an introducer; we match businesses to lenders and brokers but do not lend ourselves.
- Start with a Quick Quote for a fast eligibility check and tailored introductions to lenders that suit your sector.
Frequently asked questions
Which finance type is best for seasonal cashflow issues?
Short-term working capital facilities or invoice finance are common solutions for seasonal businesses. The best option depends on your invoice profile, customer credit and desired repayment timeline.
Can you help if my business has existing finance to refinance?
Yes, we can identify lenders and brokers who specialise in refinance and debt consolidation for businesses. Tell us about your current agreements in the Quick Quote and we will suggest suitable options.
Ready to compare finance options? Submit a Quick Quote now for a free eligibility check and tailored introductions. Our UK support team is available if you need help before you apply.