Small Business Loans — Do we give financial advice or connect you with lenders & brokers?
Summary: No — UK Business Loans does not provide regulated financial advice. We act as a matchmaker: you complete a short enquiry and we connect your business (loans from around £10,000 and above) with lenders and brokers who can provide quotes and discuss tailored options. Our service is free, confidential and designed to help you compare offers quickly so you can choose the best provider for your needs.
Get Quote Now — Free Eligibility Check
Quick answer: No regulated advice — we connect you with lenders & brokers
UK Business Loans is not a lender and we do not provide regulated financial advice. We operate as an introducer: you provide a few details in our short enquiry form and we match your business with lenders and brokers who can offer quotes or give advice. Our aim is to help you compare options quickly so you can find finance that suits your business objectives.
Important: If you require regulated, personalised financial advice, ask the broker or lender you’re connected with to confirm their adviser status and arrange that service. For an immediate quote and matching, start a Free Eligibility Check: Get Quote Now.
How UK Business Loans connects you to lenders & brokers
We keep the process simple so busy directors and finance managers can get meaningful quotes without spending hours researching providers.
1. Complete a short enquiry (under 2 minutes)
Tell us basic details about your company, the funding you need (amount, purpose) and contact information. This is an enquiry only — not a formal application.
2. We match you to relevant lenders & brokers
Our matching considers loan size (we typically handle requests from around £10,000 upwards), industry, credit profile and the type of finance required. Matches prioritise providers with relevant expertise for your needs.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
3. Lenders or brokers contact you with quotes and next steps
Matched providers may call or email to check details and deliver indicative quotes—often within hours during working hours. Any further checks or formal applications are managed directly by the provider.
4. Compare offers and decide — no obligation
You receive multiple options where available, compare terms, and progress with the provider you prefer. Using our service does not commit you to accept any offer.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Do we offer financial advice?
Short answer: No. UK Business Loans does not provide regulated financial advice.
Here’s what that means in practice:
- What we do: Provide information and introductions. We match your enquiry to lenders and brokers likely to be able to help and pass on your details so they can contact you with options or quotes.
- What we don’t do: Give personalised, regulated recommendations based on a full assessment of your finances, or recommend a specific lender as the single “correct” choice on a regulated-advice basis.
Some brokers and lenders we introduce may be authorised to give regulated financial advice. If you want regulated advice, tell the provider when they contact you — they will explain whether they are an authorised adviser and what that service costs (if anything).
If you would like to see common small business loan options and typical uses, visit our small business loans page for more detail: small business loans.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
What you’ll receive after submitting an enquiry
Submitting an enquiry gives you:
- Fast, free eligibility checks from lenders and brokers who handle business loans from about £10k upwards.
- Multiple quotes where available so you can compare interest rates, fees and repayment terms.
- Access to specialist lenders — for example construction finance or sustainability/green loan specialists — so your sector is understood.
- Confidential handling of your data and clear disclosure if any fees apply from a broker or adviser before you commit.
Small business loan types we can match you with
Our network covers a broad range of finance products. Typical examples include:
- Term business loans — unsecured or secured loans for growth, working capital or purchases.
- Asset finance & equipment loans — fund machinery, vehicles, IT or production equipment.
- Invoice finance — unlock cash tied up in unpaid invoices.
- Short-term bridging and merchant cash advances — for fast access to cash or bridging gaps between receipts.
- Refinance & debt consolidation — restructure multiple facilities into a single, more manageable payment.
- Sustainability / green loans — funding for solar PV, EV chargers, heat pumps and other energy-saving projects.
- Construction business loans — contract funding, plant finance, retentions funding and mobilisation finance.
Each finance type suits different needs and credit profiles — the matched lender or broker will explain which is most appropriate for your business.
Examples: Construction business loans & Sustainability funding
Construction
Construction businesses often need short-term working capital for mobilisation, material purchases, payroll, retentions or plant hire. Some lenders offer contract-based funding or tailored facilities that factor in progress payments and retentions.
Sustainability projects
Green loans and sustainability finance can fund installations and equipment that reduce operating costs. Lenders may ask for technical specifications, projections of energy savings and any grant support when assessing applications.
Who can apply and what you’ll need
Typical eligibility and information lenders/brokers ask for:
- Business structure: limited companies and LLPs (we do not arrange sole trader-specific loans or certain professional practice loans).
- Trading history: many lenders expect at least some trading history; some specialist lenders can consider newer businesses.
- Turnover and profitability.
- Loan amount required (we generally handle £10,000 upwards).
- Purpose of the loan (purchase, cashflow, asset purchase, sustainability project, construction contract, etc.).
- Basic credit information — initial enquiries do not affect credit scores; lenders may run checks later if you progress.
How to compare loan and broker offers
When assessing quotes, check these key points:
- Interest rate / APR — understand whether the rate is fixed, variable or representative.
- Fees — arrangement fees, broker fees, valuation or legal costs and any ongoing service fees.
- Term length and monthly repayment amount.
- Early repayment charges or exit penalties.
- Security and personal guarantees — whether the loan is secured against assets or requires personal guarantees.
- Covenants and reporting — any ongoing obligations placed on the business.
- Speed to drawdown — how quickly funds can be made available.
Ask brokers or lenders for a clear example: total payable, representative APR (if offered), and an itemised schedule of fees. Also confirm whether any advice they provide is regulated and whether advice fees apply.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Compliance & trust
UK Business Loans acts as an introducer. We do not provide regulated financial advice or lend money directly. We work to provide clear, accurate information and to pass your enquiry to trusted partners who can help.
Providers you speak with should disclose their regulatory status and any fees upfront. If you want to confirm a firm’s authorisation, you can check the Financial Conduct Authority register at register.fca.org.uk.
Frequently asked questions
Will using UK Business Loans affect my credit score?
No. Submitting an enquiry through our site does not impact your credit score. Lenders or brokers may carry out credit checks later if you choose to proceed with an application.
Do you charge businesses to use the service?
Our introduction service is free for businesses. Any fees from a broker or costs from a lender will be disclosed by that provider before you commit.
Can start-ups apply?
Some of our partners specialise in supporting younger businesses and early-stage SMEs. Eligibility will depend on the lender’s criteria and the nature of your request.
How quickly will lenders contact me?
Often within hours during business times. Response times vary by provider and the complexity of your request.
Are all your lenders FCA-regulated?
Our panel includes a wide range of lenders and brokers. Some are authorised to give regulated advice; others are not. Always ask the provider about their regulatory status if this is important to you.
Do you guarantee I’ll get a loan?
No. We connect you with providers that may be able to help. Decisions on lending are made by the lender after assessing your business and any supporting documentation.
What if I want regulated financial advice?
Tell the broker or lender when they contact you. An FCA-authorised adviser will explain the scope of advice and any charges before providing regulated advice.
Ready to compare small business loans? Get a free quote
Next steps are simple: complete our short enquiry form, we’ll match your business to the most relevant lenders and brokers, and you’ll receive contact and quotes to compare — all with no obligation.
Get Quote Now — Free Eligibility Check
Trust signals: Free • No obligation • We do not lend or give regulated advice
1. How does UK Business Loans help me find a business loan in the UK? — We act as an introducer, matching your short enquiry to trusted UK lenders and brokers who can provide free eligibility checks and loan quotes for requests typically from around £10,000 upwards.
2. Will submitting an enquiry affect my credit score or count as a formal application? — No — submitting an enquiry is not a formal application and does not impact your credit score, though lenders may run checks later if you progress.
3. Do you provide regulated financial advice or recommend a specific lender? — No — UK Business Loans does not give regulated financial advice and only connects you with lenders or FCA-authorised brokers who can provide regulated advice if you request it.
4. What loan amounts and types of finance can I be matched with? — Our network covers business loans from roughly £10,000 to multi-million pound facilities and includes term loans, asset/equipment finance, invoice finance, bridging, merchant cash advances, refinancing, green loans and construction finance.
5. Is the introduction and quote service free for UK businesses? — Yes — our matching service is free and any fees charged by a broker or lender will be disclosed by that provider before you commit.
6. How quickly will lenders or brokers contact me after I submit the enquiry? — Many providers contact businesses within hours during working times, though response times vary by lender and the complexity of your request.
7. Can start-ups or businesses with poor credit get matched to lenders? — Yes — some partners specialise in start-ups and businesses with imperfect credit, but eligibility and terms depend on the individual lender’s criteria.
8. What information will I need to provide for a quick eligibility check? — You’ll usually need basic business details, trading history, turnover, loan amount and purpose, and potentially management accounts or financial statements if you progress.
9. Are the lenders and brokers you work with FCA-regulated? — Our panel includes a mix of brokers and lenders, some of whom are FCA-authorised to give regulated advice, so always ask the provider to confirm their regulatory status.
10. How should I compare offers to choose the best UK business loan? — Compare interest rate/APR, arrangement and broker fees, term length, early repayment charges, security/personal guarantees, covenants and drawdown speed, and request a total-payable example from each provider.