Commercial Finance UK – Compare Options and Get Matched to Trusted Lenders

Running a business means balancing growth with cash flow, equipment, property and people. Commercial finance helps you fund big moves and everyday operations. UK Business Loans connects UK businesses with reputable lenders and brokers who offer solutions across property, development, assets, invoices and working capital.

• Free eligibility check in minutes
• No obligation to proceed
• Fast response from suitable lenders/brokers

Free Eligibility Check — Takes less than 2 minutes. No impact on your credit score to enquire. Partners may run checks if you choose to proceed.

What Is Commercial Finance?

Commercial finance covers funding solutions designed for businesses rather than consumers. This includes:

• Property-backed borrowing such as commercial mortgages and bridging loans
• Development finance for new builds, conversions and refurbishments
• Asset and equipment finance to acquire machinery and vehicles without large upfront costs
• Invoice finance to unlock cash tied up in receivables
• Working capital loans and revolving facilities to support day-to-day cash flow
• Specialist solutions such as trade finance or a merchant cash advance

Through UK Business Loans, you can quickly compare options and speak to lenders or brokers who specialise in your specific need and sector.

Types of Commercial Finance We Can Connect You To

Commercial Mortgages

• Use: Buying owner-occupied premises, investment property or refinancing.
• Typical features: Terms up to 25 years depending on asset and profile; rates and LTV vary by sector, tenant quality and DSCR.
• Good for: Owner-operators, investors, professional landlords.

Bridging Loans

• Use: Short-term funding (typically 3–24 months) for acquisitions, auctions, chain breaks, quick completions.
• Typical features: Interest can often be rolled up; secured against property; exit via sale or refinance.
• Good for: Time-sensitive purchases and refurbishments.

Development Finance

• Use: Ground-up builds, conversions, heavy/light refurbishments.
• Typical features: Funding against GDV or cost; staged drawdowns; monitoring surveyor involvement.
• Good for: Housebuilders, property developers, experienced contractors.

Asset Finance

• Use: Machinery, plant, vehicles, technology, medical/catering kit.
• Formats: Hire purchase, lease, refinance; preserves working capital and may offer VAT/tax benefits depending on structure.
• Good for: Construction, manufacturing, logistics, healthcare, hospitality.

Learn more: Asset & equipment finance

Invoice Finance (Factoring & Confidential Invoice Discounting)

• Use: Release cash tied up in B2B invoices; improve cash flow without a traditional term loan.
• Typical features: Advances up to a percentage of invoice value; service fees and discount rates apply.
• Good for: Firms with long payment terms or seasonal cash cycles.

Explore options: Invoice finance for cash flow

Working Capital & Unsecured Business Loans

• Use: Stock, payroll, marketing, short-term projects.
• Typical features: Fixed-term loans or flexible credit lines; affordability and trading performance assessed.
• Good for: SMEs needing quick access to funds.

Related: Unsecured and secured business loans | Short-term options

Revolving Credit Facilities

• Use: Draw, repay, redraw as needed.
• Typical features: Pay interest only on funds used; limits based on profile and performance.
• Good for: Ongoing cash flow management.

Merchant Cash Advance

• Use: Repayments linked to a percentage of daily card takings.
• Typical features: Aligns repayments with turnover; no fixed term in the traditional sense.
• Good for: Retail, hospitality and e‑commerce with strong card sales.

Trade Finance & Supply Chain Finance

• Use: Import/export, supplier payments, purchase order funding.
• Typical features: Letters of credit, supplier payments, structured facilities.
• Good for: Distributors, wholesalers, manufacturers.

Get Quote Now — We’ll introduce you to a suitable UK lender/broker for your situation. No obligation.

How Our Free Eligibility Check Works

Step 1 — Complete a Quick Enquiry

Tell us about your business and what you need funding for. It usually takes less than two minutes.

Step 2 — We Match You

We match you with a relevant UK broker or lender based on your sector, funding need and profile. Where helpful, you may be shown more than one option.

Step 3 — Receive a Fast Response

Specialists get in touch by phone or email to outline options, rates and next steps — typically the same business day or next working day.

Step 4 — Compare and Choose

Review terms and proceed only if it suits your business. There’s no obligation to go ahead.

Start Your Enquiry

Rates, Terms and Eligibility — What to Expect

We believe financial promotions should be clear, fair and not misleading. Actual rates and terms depend on your business profile and the specific finance product.

What lenders typically consider:

• Time trading, turnover and profitability
• Credit history and existing commitments
• Security available (for secured products)
• Sector and transaction purpose
• Company structure and directors’ backgrounds

Typical documentation requested:

• Last 3–12 months bank statements
• Latest filed accounts or management information
• Aged debtor/creditor lists (for invoice finance)
• Asset details/quotes (for asset finance)
• Property details/valuation (for property-backed lending)
• Business plan and development appraisals where relevant

Important notes:

• Enquiries via our site do not impact your credit score. Partners may perform soft or hard checks if you choose to proceed.
• All finance is subject to status, affordability and lender criteria.
• Using UK Business Loans is free for UK businesses. We may receive a commission from partners if you go ahead — this does not affect the rate you pay.

Free Eligibility Check

Why Use UK Business Loans for Commercial Finance?

• Speed: One short form. We quickly match you to a relevant UK lender/broker.
• Choice: Compare options across commercial property, development, asset, invoice and working capital finance.
• Sector expertise: We connect you with specialists who understand your industry nuances.
• No obligation: Explore options without pressure. Only proceed if it’s right for you.
• Trusted partners: We introduce established finance professionals who treat customers fairly.
• Confidential: Your details are shared only with approved partners relevant to your enquiry.

Who We Help

Limited companies, LLPs and incorporated SMEs across the UK — including:

• Construction and building services
• Property investors and developers
• Manufacturing and engineering
• Logistics, transport and fleet
• Hospitality, hotels and leisure
• Retail and e‑commerce
• Healthcare and care homes
• Professional services (accountancy, legal, consultancy)
• Agriculture and food production
• Sustainability and renewables

Commercial Finance by Sector — Examples

Construction and Trades

• Asset finance for plant and machinery
• Bridging or development finance for projects
• Invoice finance to smooth long payment cycles

Property Developers and Investors

• Development finance for ground-up builds and conversions
• Bridging loans for acquisitions and refurbishments
• Commercial mortgages for stabilised assets

Retail, Restaurants and Hospitality

• Fit-out finance for refurbishments
• Merchant cash advance linked to card takings
• Working capital for stock and seasonality

Logistics and Transport

• Vehicle and fleet finance for vans and HGVs
• Invoice finance to bridge 30–60 day terms
• Revolving credit for fuel and maintenance

Sustainability & Renewables

• Asset finance for solar, EV charging and heat pumps
• Introductions to project finance for larger roll-outs
• Explore green & sustainability finance

Get Started — Answer a few simple questions. We’ll match you to a suitable broker/lender panel.

Going Direct vs Using Our Free Introducer Service

• Save time: One enquiry connects you to multiple relevant options.
• Better fit: We filter for sector and product expertise.
• Transparent: Clear next steps and no obligation.
• Free to you: We’re paid by partners if you proceed; you don’t pay us a fee.

FAQs — Commercial Finance UK

Are you a lender?

No. UK Business Loans is an introducer. We connect you with trusted UK brokers and lenders who can provide finance directly.

Will my credit score be affected?

Submitting an enquiry with us will not affect your credit score. If you proceed, partners may conduct soft or hard checks depending on the product and stage.

How quickly can I get a response?

Usually the same business day or next working day after you submit your enquiry. Time to funding depends on product type and your documentation.

What amounts are available?

Our partners typically support from around £10,000 up to multi‑million pound facilities, subject to criteria.

Do you charge fees?

No. Our service is free to UK businesses. We may receive a commission from partners if you proceed with an offer. This does not affect the rate you pay.

Do you work with reputable lenders and brokers?

Yes. We introduce to established UK finance brokers and lenders with strong reputations for fair treatment and clear communication.

Can newly incorporated businesses or firms with adverse credit apply?

Yes. Some partners specialise in newer businesses and cases with imperfect credit. Approval always depends on status and affordability.

What information do I need to provide?

Basic business details, the purpose and amount of funding, and your contact information to start. Lenders will advise if more documentation is needed.

Final Steps

Ready to explore your commercial finance options?

Start Your Enquiry — Free, no obligation. Get matched to trusted UK lenders and brokers today.

Compliance and Transparency

• We are not a lender and do not offer financial advice. We act as an introducer, connecting businesses with lenders and brokers.
• Using our service is free for UK business owners. If you proceed with a finance offer, we may receive a commission from the provider.
• Enquiries do not affect your credit score. Credit checks may be performed by partners if you choose to proceed.
• Finance is subject to status, affordability and lender criteria. Terms and conditions apply.
• We aim for all promotions to be clear, fair and not misleading so you can make informed decisions.
• Your details are handled securely and shared only with approved partners relevant to your enquiry.

Explore Related Business Finance

• Invoice finance for cash flow
• Asset & equipment finance
• Unsecured and secured business loans
• Short-term options
• Green & sustainability finance

– What is UK Business Loans and how does it work?
UK Business Loans is a free introducer that matches UK businesses with FCA-regulated lenders and brokers via a quick online enquiry based on your sector and funding needs.

– Are you a direct lender or broker?
We are not a lender and do not give financial advice; we connect you with trusted UK brokers and lenders who provide the funding.

– How do I apply for a business loan online in the UK?
Click “Start Your Enquiry,” complete the short form in under two minutes, and we’ll connect you with suitable lenders fast.

– Will submitting an enquiry affect my credit score?
No—your enquiry won’t affect your credit score, and any checks occur only if you choose to proceed with a partner.

– How quickly can I get a response or funding?
You’ll typically hear from matched lenders within hours, with funding timelines depending on the finance type and your eligibility.

– What types of UK business finance can I compare?
We connect you to unsecured and secured business loans, cashflow loans, invoice finance, asset and equipment finance, vehicle and fit-out finance, commercial finance, sustainability loans, and short-term funding.

– What loan amounts can I access?
Our partners consider funding from around £5,000 up to £5 million+, subject to lender criteria and your business profile.

– Do you help start-ups, SMEs, and businesses with bad credit?
Yes—sole traders, start-ups, established SMEs, and businesses with imperfect credit can be matched with specialist UK lenders.

– Which industries and locations do you support?
We support sectors like construction, hospitality, healthcare, retail, logistics, manufacturing, professional services and more, nationwide across the UK.

– Is the service free and without obligation?
Yes—using UK Business Loans is free, secure, and there’s no obligation to accept any offer you receive.