Business Finance

Business finance, UK business finance, business finance solutions. If you’re exploring funding to support cash flow, invest in equipment, expand sites, or accelerate growth, UK Business Loans makes it fast and simple to connect with trusted UK brokers and lenders who can help.

We are not a lender and we do not offer financial advice. We act as an introducer, matching your business with experienced brokers and reputable lenders who can present finance options that fit your needs and circumstances. Using our service is free and there’s no obligation to proceed.

• Free, no-obligation eligibility check (your initial enquiry won’t affect your credit score)
• Fast responses from specialist UK partners
• Compare options across multiple products and providers
• Tailored matches for your industry, business stage and funding need

Get Started — 2-minute enquiry

Free Eligibility Check — no obligation

Get a Quote Now — matched lenders will contact you by email/phone

What Is Business Finance?

Business finance refers to funding used by companies to operate and grow — from smoothing day-to-day cash flow to investing in machinery, vehicles, premises, technology, stock, or new hires. Finance can be secured (backed by assets) or unsecured, short or long term, and structured as loans, credit facilities, leasing, invoice finance, or specialist products.

Common reasons businesses seek finance

• Working capital during seasonal or payment gaps
• Purchasing or leasing equipment, machinery and vehicles
• Fulfilling new contracts and hiring staff
• Refurbishments, fit-outs and relocations
• Marketing, stock and e-commerce growth
• Sustainability upgrades (e.g., solar, EV charging, energy efficiency)

Types of business finance we can connect you with

• Unsecured business loans: Flexible funding for everyday needs, typically shorter terms and fast decisions.
• Secured business loans: Larger amounts secured on assets or property, often with lower rates.
• Cashflow loans: Short-term support to smooth out gaps in receivables or seasonality.
• Invoice finance (factoring/discounting): Release cash tied up in unpaid invoices.
• Asset finance: Lease or hire purchase for machinery, tools and specialist equipment.
• Equipment finance: Funding for equipment across IT, healthcare, catering and construction.
• Vehicle and fleet finance: Cars, vans, HGVs and specialist vehicles.
• Fit-out and refurbishment finance: Shops, offices, hospitality and retail premises.
• Refinance and consolidation: Restructure existing agreements or reduce monthly outgoings.
• Sustainability and green finance: Solar, EV charging, heat pumps and energy efficiency projects.
• Business expansion finance: New sites, franchises, marketing and recruitment.
• Short-term/bridging: Time-sensitive opportunities and interim needs.

Note: Eligibility, rates and terms depend on your business profile, credit history, sector, and product type. You’ll always receive full details from the broker or lender before you decide to proceed.

How UK Business Loans Works

Step 1 — Complete a quick enquiry

Tell us about your business and funding need. It takes around two minutes. Your initial enquiry to UK Business Loans won’t affect your credit score.

Step 2 — We match you with trusted partners

Our platform connects you with UK brokers and lenders who specialise in your sector and requirements.

Step 3 — Fast response with options

Expect a phone call or email — often within hours — to discuss finance options, next steps and documents.

Step 4 — Compare and choose (no obligation)

Review offers and terms from multiple partners and proceed only if you’re happy.

Who we help

• Limited companies (Ltd), PLCs and LLPs
• Newly incorporated businesses and growing SMEs
• Multi-site operators and franchises
• Most UK sectors and regions

What you may need to provide

• Basic business details and contact information
• Latest accounts, bank statements or management information (depends on product)
• Details of invoices or assets (for invoice/asset finance)
• Security details (if secured lending is requested)

Start Your Enquiry — free and secure

Free Eligibility Check — takes 2 minutes

Get Matched Now — speak to a specialist today

Eligibility, Costs and Key Considerations

Unsecured vs secured

• Unsecured loans: Typically quicker decisions and no specific collateral required, but smaller amounts and higher rates than secured alternatives.
• Secured loans: Larger amounts, often lower rates — security may be required on property or assets. If you fail to keep up repayments, the asset may be at risk.

Typical terms and amounts

• Facility sizes: From £10,000 up to £5,000,000+ (varies by product and profile)
• Terms: From 3 months to 7+ years depending on product and structure

Rates and fees

• Rates vary based on credit, affordability, security, sector and product type.
• Setup, broker or lender fees may apply — all costs are disclosed by the broker or lender before you proceed.
• We may receive a commission from partners if you proceed; this does not change the price you pay.

Credit checks

• Your initial enquiry with us does not affect your credit score.
• Lenders or brokers may perform soft or hard checks if you proceed with an application or offer.

Imperfect credit

• Options may be available even if your credit file isn’t perfect — pricing and terms may differ.
• Some cases may require security or guarantees.

Speed

• Initial responses often within hours.
• Funding timeframes vary: some products can complete in 24–72 hours; secured or complex cases can take longer.

Important

• Late or missed repayments can negatively affect your business and credit profile.
• For secured borrowing, the asset used as security may be at risk if you do not keep up repayments.
• Consider independent professional advice if you’re unsure which option suits your business.

Why Choose UK Business Loans

• Speed: 2-minute enquiry, quick connections to relevant UK partners.
• Choice: Compare options across a national broker/lender panel.
• Sector expertise: Matches tailored to your industry and funding need.
• Transparent: Clear, fair and not misleading information.
• No pressure: Free, no-obligation service — you decide if and when to proceed.
• Secure: Your details are only shared with approved partners relevant to your enquiry.

Plain-English statement: We are not a lender and do not provide financial advice. We act as an introducer to UK brokers and lenders. Messaging is intended to be clear, fair and not misleading. Always review full terms from the broker or lender.

Industries We Support

We help match finance solutions across the UK, including:

• Construction
• Sustainability and Renewables
• Accountancy and Professional Services
• Agriculture and Farming
• Hotels and Hospitality
• Restaurants and Catering
• Solicitors and Legal Firms
• Healthcare and Care Homes
• Building Services and Trades (e.g., electricians, HVAC)
• Engineering and Manufacturing
• Food Industry and Production
• Logistics and Transport
• Printing and Packaging
• Pubs and Breweries
• Retail and E-Commerce
• Small Businesses and Newly Incorporated Companies

Get a Quote Now — speak to a UK finance specialist

Free Eligibility Check — quick, no obligation

Start Your Enquiry — secure form

Compare Business Finance Options

Short guide to finding the right fit

• Cashflow pressure or slow-paying invoices? Consider cashflow loans or invoice finance.
• Equipment/machinery purchase? Explore asset or equipment finance (lease or HP).
• Vehicles and fleets? Vehicle finance across cars, vans and HGVs.
• Refurb or fit-out? Fit-out finance tailored to hospitality and retail.
• Going green? Sustainability loans for solar, EV, heat pumps and energy efficiency.
• Consolidating costs? Refinance or restructure existing agreements.
• Scaling up? Expansion finance to open new locations, hire teams and invest in marketing.

What lenders may look at

• Trading history and revenue trends
• Affordability and cash flow
• Credit profile (business and, where applicable, directors)
• Assets available for security (if required)
• Sector dynamics and contract pipeline

Documents to prepare

• Latest accounts and/or 3–6 months bank statements
• Management information and aged debtors (where relevant)
• Asset details or invoices (for asset/invoice finance)
• Proof of ID and address for KYC/AML checks

Frequently Asked Questions

1) Is UK Business Loans a lender?

No. We are not a lender and we do not provide financial advice. We introduce your enquiry to trusted UK brokers and lenders who handle quotes, underwriting and any agreements.

2) Does my enquiry affect my credit score?

No. Submitting our initial enquiry won’t affect your credit score. If you proceed with an application, partners may conduct soft or hard checks.

3) What amounts and terms are available?

Our partners consider facilities from approximately £10,000 to £5,000,000+, with terms from 3 months to 7+ years depending on product, security, affordability and credit profile.

4) How quickly will I get a response?

Often within hours. Completion times vary by product; some can fund in 24–72 hours, while secured or complex facilities may take longer.

5) Do you charge fees?

Our service is free for UK business owners and directors to use. Brokers or lenders may charge fees — they will disclose all costs before you proceed. We may receive a commission from partners if you take out a product; this does not affect the price you pay.

6) Can newly incorporated companies or firms with imperfect credit apply?

Yes. We can introduce you to partners who consider newly incorporated companies and businesses with less-than-perfect credit. Availability, pricing and terms will vary.

7) Do I need security?

It depends. Some facilities are unsecured; others require security on assets or property. The broker or lender will explain options and implications before you proceed.

8) What information will I need to provide?

Typically, basic business details, recent bank statements and/or accounts. Product-specific cases may require invoices, asset details or security documents.

Get Your Free Eligibility Check

• Click “Start Your Enquiry”
• Complete the 2-minute form
• Get matched to specialist UK brokers and lenders
• Receive options by phone/email

There’s no obligation and your initial enquiry won’t affect your credit score.

Start Your Enquiry — Free, no obligation

Get a Quote Now — fast response

Important Information and Disclosures

• Introducer only: UK Business Loans connects you to UK brokers and lenders. We are not a lender and do not provide financial advice.
• Free to use: There is no charge for submitting an enquiry via our platform.
• Commission: We may receive a commission from partners if you proceed with a product. This does not alter the price you pay.
• Credit impact: Your initial enquiry to UK Business Loans does not affect your credit score. Partners may conduct soft/hard searches if you proceed.
• Risks: Late or missed repayments can negatively affect your business and credit profile. For secured borrowing, the asset used as security may be at risk if you do not keep up repayments.
• Eligibility: Applicants must be 18+ and operate a UK-based business. All offers are subject to status, affordability, product availability and lender criteria.
• Advertising and fairness: We aim to ensure financial promotions are clear, fair and not misleading, and to give you enough information to make informed decisions.

UK Business Loans — Connecting UK businesses with trusted lenders and brokers. Fast, simple, secure.

– How does UK Business Loans work to help me compare UK business finance deals? You complete a two-minute enquiry and we instantly match you with FCA‑regulated brokers and lenders so you can compare offers and choose the best fit, with no obligation.

– Are you a lender or broker, and is the service free? We are an introducer, not a lender, and using our service to find UK business loans is completely free.

– Will submitting an enquiry to apply for a business loan in the UK affect my credit score? No, submitting an enquiry doesn’t impact your credit score, and any checks only happen if you proceed with a chosen lender.

– How quickly can I get quick business funding for my UK company? Most users hear back within hours and, depending on the product and documents, funding can follow soon after.

– What loan amounts and terms are available for UK SMEs? Our partners offer unsecured and secured finance from around £5,000 to over £5 million with flexible terms tailored to your business.

– Can start-ups and small businesses access the best small business loans in the UK through you? Yes, many of our lending partners specialise in start-ups and growing SMEs.

– Can I still get a business loan with bad credit or a limited trading history? Yes, some lenders we work with consider applications from businesses with imperfect credit or shorter trading records.

– What types of finance can you connect me with (e.g., asset finance, invoice finance, cashflow loans)? We connect UK businesses to asset finance, equipment and vehicle finance, invoice finance, cashflow and short-term business loans, commercial finance and green business loans.

– Do you support my industry and location? Yes, we help businesses nationwide across sectors like construction, hospitality, healthcare, manufacturing, retail, logistics, professional services and more.

– What information do I need and how do I start my application? You only need basic business and contact details plus your funding needs—click Start Your Enquiry and we’ll connect you with suitable lenders.