Commercial Finance — Is there a fee to make an enquiry with UK Business Loans?
Short answer: No — submitting an enquiry with UK Business Loans is free and carries no obligation. We connect businesses seeking commercial finance (from around £10,000 upwards) with lenders and brokers so you can receive a quick, no‑obligation quote and compare options. Get a Free Eligibility Check in under 2 minutes.
Quick answer — No fee to enquire
No fee. No obligation. Completing an enquiry with UK Business Loans is completely free for business owners and directors. We are a lead‑matching service: you tell us about your commercial finance needs, we match your business to lenders and brokers who may be able to help, and you receive contact and quotes directly from those providers.
How we’re funded: we do not charge businesses for enquiries. Our platform receives fees from lender or broker partners only after a qualifying lead has been delivered or a commercial arrangement is agreed between the provider and the borrower. This model lets you explore options risk‑free. Free Eligibility Check
How it works — from enquiry to quote
Here’s what to expect when you start an enquiry with UK Business Loans:
- Complete the short enquiry form — it takes around 2 minutes. Provide basic business details and the amount and purpose of finance.
- We match you — our system and expert team match your requirement to lenders and brokers that specialise in commercial finance for sectors such as construction, sustainability projects and property development.
- Providers contact you — selected lenders/brokers will contact you by phone or email with eligibility feedback, indicative rates and next steps.
- Compare and decide — you review any offers and choose the provider you want to progress with. Any fees for progressing a deal will be made clear by the lender/broker before you agree.
Typical response times: many businesses receive initial contact within hours during business hours. Remember: the enquiry form itself is only information — it is not an application and it does not commit you to anything. Get Quote Now
Why we don’t charge you to enquire
UK Business Loans operates a lead‑matching model. Our service is designed to connect businesses with lenders and brokers quickly and efficiently. We earn revenue from our lender and broker partners when a lead meets their qualifying criteria and progresses — not from you.
Why this matters for your business:
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
- No upfront cost to check eligibility or explore options.
- Faster access to multiple providers without repetitive forms or searches.
- Ability to compare offers before you commit to any product or fee.
If you want to start, the form takes under two minutes: Start Your Enquiry — Free Eligibility Check
When a fee might apply — lender or broker charges you directly
While your enquiry with UK Business Loans is free, some providers may charge fees as part of their product or service. These fees are always between you and the lender or broker. Typical examples include:
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.
- Broker arrangement/retainer fees — some brokers charge for negotiation or application handling; reputable brokers disclose fees upfront and in writing.
- Lender fees — certain commercial products (for example, development finance or commercial mortgages) can include application, arrangement, valuation or legal fees.
- Conditional fees — some providers only charge if the loan completes; others may charge non‑refundable administration fees — always check terms.
Recommended approach: always ask any broker or lender you speak to for a full breakdown of all fees and charges in writing before you proceed. We encourage transparency: providers should explain costs, timescales and any conditions. Free Eligibility Check
Will an enquiry affect my credit score?
Filling in the enquiry form on UK Business Loans does not affect your business or personal credit score. Our service is an introducer — we simply share your inquiry with potential providers.
What may affect your credit file: if you decide to proceed with a specific lender or broker, that provider may perform a credit search. There are two main types:
- Soft search — provides indicative eligibility and does not affect your credit score.
- Hard search — is used for formal credit decisions and can appear on your credit file.
Always ask any provider which type of search they will run and at what stage. If you’re concerned about credit checks, mention this during the initial call. Get Quote Now
What we ask for in the enquiry form
The enquiry form asks for the essential details needed to match your business to the right lenders and brokers. You’ll typically be asked for:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Company name (limited company) and contact details
- Time in business and annual turnover
- Amount of finance required (we work with commercial funding from around £10,000 and upwards)
- Purpose of funds (e.g. construction contract finance, sustainability projects, development, refinance, asset purchase)
- Any security available and brief background on credit history
Only share sensitive documents (e.g. bank statements or legal docs) via secure channels and only when requested by a provider you choose to progress with. Start Your Enquiry — 2 minutes
How we protect your data and who we share it with
Your privacy and the security of your data are important. Key points:
- We use secure SSL encryption on all pages where data is entered.
- Data is shared only with selected lenders and brokers who are relevant to your enquiry.
- We retain personal data only for as long as necessary to service your enquiry and in line with our privacy policy.
Privacy and consent: by submitting the enquiry you consent to UK Business Loans sharing your details with our panel of lenders and brokers so they can contact you about finance options. Read our full Privacy Policy and Terms & Conditions for more detail. You can opt out at any time. Get Started — Free Eligibility Check
Regulatory and advertising compliance — what this means for you
Important: UK Business Loans is an introducer and does not lend money or provide regulated financial advice. We connect businesses to lenders and brokers who will provide product information and any regulated advice where required.
Providers are responsible for clear disclosures of fees, risks and eligibility. If you see advertising for finance products, it should be fair, clear and not misleading — and should match the information on the landing page. For ads, we follow best practice guidance and local advertising rules so you get the information needed to make informed decisions.
If you need regulated advice, ask the broker or lender directly for confirmation of their regulatory status and request written terms. Free Eligibility Check
Why commercial clients use UK Business Loans (construction, sustainability, development)
Commercial businesses choose our service because:
- We match you to lenders/brokers who specialise in commercial finance and sector‑specific needs (construction, renewables, development).
- You can get faster, multiple quotes without filling dozens of separate forms.
- It’s free to enquire and lets you compare options before committing.
- We support funding needs from roughly £10,000 upwards — from asset finance to commercial mortgages and development finance.
Looking for commercial finance solutions? Start with a short enquiry: Get Quote Now
For more information about specific products we help with, see our commercial finance overview and specialist pages—including options for construction and sustainability projects such as solar, heat pumps and EV charging.
Learn more about our commercial finance services and sector specialisms at our commercial finance page.
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.
Trusted by UK businesses and partners
We’ve matched thousands of UK businesses with lenders and brokers. To improve confidence we recommend you look for:
- Provider credentials and testimonials
- Clear fee schedules and written terms
- Case studies showing similar commercial projects
Please check our About Us and Partners pages to see partner examples and success stories. Get Started
Ready to get a free, no‑obligation quote?
Complete our short enquiry and we’ll match you to lenders and brokers who can provide tailored commercial finance options. No fee. No obligation. Typical time to first contact: hours.
Frequently asked questions — enquiry fees & commercial finance
Is there a fee to fill in the enquiry form?
No. Completing an enquiry with UK Business Loans is free and does not commit you to accepting any offer.
Do you lend money directly?
No. We introduce you to lenders and brokers — they are the ones who provide finance and any regulated advice if required.
Will submitting an enquiry affect my credit score?
No — the enquiry itself does not affect your credit score. Lenders may perform soft or hard credit searches later; always ask which they will use.
Who pays UK Business Loans?
We are paid by our lender and broker partners for qualifying leads. Businesses are not charged to submit an enquiry.
What types of commercial finance do you cover?
We can help connect you with providers for commercial mortgages, development finance, asset & equipment finance, invoice finance, working capital, and sustainability project finance (from roughly £10,000 upwards).
How quickly will I receive a quote?
Many businesses receive initial contact within hours; full quotations depend on the provider and product. Complex commercial applications (e.g. development finance) can take longer.
Helpful resources
Start a free enquiry now — it takes under two minutes: Get Your Free Quote
1. Is there a fee to submit an enquiry with UK Business Loans?
No — submitting an enquiry is free, carries no obligation and lets you receive no‑obligation quotes from matched lenders and brokers.
2. Do you lend money directly or provide regulated financial advice?
No — UK Business Loans is an introducer that connects you to lenders and FCA‑regulated brokers who provide the finance and any required regulated advice.
3. Will submitting an enquiry affect my business or personal credit score?
No — the enquiry itself does not affect credit scores, although lenders may run soft or hard searches later if you choose to proceed.
4. What types of commercial finance can I find through UK Business Loans?
You can be matched to providers for commercial mortgages, development finance, asset and equipment finance, invoice finance, working capital and sustainability loans from roughly £10,000 upwards.
5. How quickly will I receive contact or a quote after completing the free enquiry?
Many businesses receive initial contact within hours during business hours, with full quotations depending on the provider and the complexity of the application.
6. How much can I borrow via the brokers and lenders on your panel?
Our partners offer funding from around £10,000 up to multi‑million pound facilities, depending on product type and your business circumstances.
7. Are the lenders and brokers you work with regulated and trustworthy?
Yes — we work with reputable lenders and brokers, many of whom operate under FCA rules and are required to disclose fees and terms clearly.
8. Will I have to pay fees to UK Business Loans or to the lender/broker?
You won’t pay UK Business Loans to submit an enquiry, but individual lenders or brokers may charge application, arrangement, valuation or broker fees which should be disclosed before you proceed.
9. What information do I need to complete the short enquiry form?
You’ll generally provide company name and contact details, time in business, annual turnover, amount and purpose of finance, any security available and a brief credit background.
10. Can start‑ups or businesses with bad credit apply through UK Business Loans?
Yes — many of our lender partners specialise in start‑ups and businesses with imperfect credit histories and can offer tailored funding options.