Fit-Out Finance UK — Is There a Fee for Using UK Business Loans?

Summary: Short answer — No. Using UK Business Loans to find fit-out finance for a shop, office, café or restaurant is free for businesses. We act as an introducer and match your company (typically lending requirements from £10,000 and up) with specialist lenders and brokers. We receive payment from our partner lenders/brokers only when a lead converts; you do not pay us to submit an enquiry. Complete a quick, no‑obligation Free Eligibility Check and we’ll match you to applicable options.

Quick answer: Is there a fee?

No — there is no fee for using UK Business Loans to search for fit-out finance options in the UK. Our service is free for businesses to use. We do not lend money ourselves; we connect you with a panel of lenders and brokers who can offer fit-out funding. We typically handle enquiries for finance amounts of £10,000 and above.

How that works in practice: you complete a short enquiry and we pass relevant details to selected partner brokers or lenders. If you proceed with a partner and they complete a funding arrangement, UK Business Loans receives a commission or introducer fee from that partner — not from you for the introduction itself.

Get Quote Now — Free Eligibility Check (takes less than 2 minutes and does not affect your credit score at enquiry stage).

How UK Business Loans helps you find fit-out finance

We simplify the search for specialist fit-out finance by matching your business to lenders or brokers who focus on commercial fit-outs for retail, hospitality and office spaces. Our process is fast and transparent:

1. Complete a short enquiry: Tell us about your business, the amount you need and the purpose (e.g. shop refurbishment, café kitchen fit-out, office refurbishment).
2. We match your enquiry: Using the details you provide we select a small panel of lenders and brokers who are most likely to be able to help.
3. Partner contact: One or more partners will contact you to discuss options and prepare quotes — usually by phone or email within hours during business days.
4. Compare and decide: Review the quotes, ask for a full breakdown of fees and terms, and choose whether to proceed. There’s no obligation to accept any offer.

Typical fit-out finance solutions we can help you access include asset finance (for equipment), commercial business loans, hire purchase, invoice finance for working capital elements, short‑term bridging for property leaseholds, and specialist hospitality fit-out funding. For detailed options specific to your project see our partner guide to fit-out finance.

How UK Business Loans is paid — transparent breakdown

We operate as a lead introducer. That means:

• No fee from you: Submitting an enquiry with UK Business Loans is free. We never charge a fee to introduce you to lenders and brokers.
• Partner payment on conversion: We receive payment (commission or referral fee) from lenders or brokers when a lead results in a completed deal or where the partner’s terms specify payment for a qualified lead. This is part of our commercial arrangement with those partners.
• What “complete the enquiry” means: A completed enquiry is one where you submit the short form with the required contact and business details and indicate you want to be contacted. Partners will then make contact and, if you progress with them, partner remuneration is typically agreed after a customer accepts and completes a funding product.

This revenue model means we can offer our matching service at no cost to you while still maintaining relationships with a wide range of specialist lenders and brokers. Partners are expected to disclose any fees they charge you as part of their own terms — always ask for a clear written breakdown before proceeding.

When lenders or brokers may charge fees

Although UK Business Loans does not charge you to be matched, lenders and brokers you are introduced to may charge fees or include costs within their lending products. Common examples include:

• Broker arrangement or advisory fees (one-off)
• Loan origination or admin fees
• Valuation, survey or solicitor costs for secured facilities
• Interest and facility fees included in the loan quote
• Early repayment charges or exit fees on some products

Practical guidance: always request a full written schedule of fees and a Key Facts Illustration or terms sheet before you sign a facility. Ask whether any broker fee will be deducted from the loan or billed separately, and clarify when fees are payable.

Free Eligibility Check — our partners will help you see typical costs upfront so you can compare like-for-like offers.

Practical example: a short case study

Jane runs a growing café in Manchester and needs £40,000 to complete a kitchen upgrade and front-of-house refit. She completed a short enquiry via our site (no fee). Within three hours a specialist hospitality finance broker contacted her and arranged three competitive quotes — one hire‑purchase for equipment, one unsecured commercial loan and one blended solution combining asset finance and short-term working capital.

Jane reviewed the quotes, asked each provider for an itemised fee schedule and chose the solution with the lowest total cost over the finance term. The broker charged an arrangement fee disclosed in writing and showed how that fee affected the cashflow and monthly repayments. The introduction via UK Business Loans cost Jane nothing.

What information you’ll need to get a quote

To speed up matching and obtain accurate quotes, prepare the following:

• Business name and company registration (if applicable)
• Estimated annual turnover and recent trading history
• How long the business has been trading
• Amount required (typical minimum £10,000)
• Purpose of funds — describe the fit-out (shop, office, kitchen, fixtures/equipment)
• Contact name, phone and email
• VAT status and approximate credit profile (good / fair / poor)

Note: submitting the initial enquiry does not trigger a hard credit check. Lenders or brokers may perform checks later if you proceed with an application — you will be informed before any credit search is carried out.

Data handling, privacy and consent

When you submit an enquiry your details are shared only with selected partners who are relevant to your request. We use secure HTTPS connections and follow appropriate data protection measures. Partners will contact you by phone or email to discuss options.

Before you submit, you should review our Privacy Policy and Terms (links at the foot of this page). By completing the enquiry you consent to your details being introduced to our partner lenders and brokers for the purpose of sourcing finance.

Compliance & transparency

UK Business Loans is an introducer — we do not provide regulated financial advice and we do not lend money. We aim to be clear, fair and not misleading in every promotion and communication.

We encourage you to check any lender or broker’s terms and, if needed, obtain regulated financial advice before signing a contract. Always ask partners for full written terms and an itemised fee breakdown prior to acceptance.

Frequently asked questions

Is UK Business Loans free to use for fit-out finance?

Yes. Our matching service is free for businesses. We earn fees from partners only when a lead converts under their commercial terms.

Will submitting an enquiry affect my credit score?

No. The initial enquiry does not involve a hard credit search. If you choose to proceed with a lender or broker, they will advise you if a credit check is required and whether it will be a soft or hard search.

Do you charge for matching me to multiple lenders?

No. You can be introduced to multiple partners without cost from UK Business Loans. Any broker or lender fees would be charged by that partner and should be disclosed in writing.

Who pays UK Business Loans?

Partner lenders or brokers pay us a referral/introducer fee in line with our agreements when a lead converts. We do not charge businesses for introductions.

Can newly-formed companies request fit-out finance?

Many lenders and brokers work with new and growing businesses, but eligibility depends on the product and the provider. Indicate your trading history on the enquiry and partners will advise availability.

What happens after I submit the form?

Our system matches your enquiry and sends it to relevant partners. Expect contact by phone or email, typically within a few hours during business days.

Are lenders and brokers regulated?

Some partners will be regulated and some may operate outside FCA regulation depending on their services. You should check the partner’s status and request full terms before proceeding.

Ready to get a free eligibility check?

Get matched to specialist lenders and brokers for fit-out funding quickly — with no obligation and no cost to you. Complete our short enquiry now and receive tailored quotes for fit-out finance from providers who understand your sector.

Get Quote Now — Free Eligibility Check (takes 2 minutes • no credit search at initial enquiry).

Related resources

• Home — ukbusinessloans.co
• How it works — overview of our process
• Types of finance — asset finance, commercial loans, sustainability loans
• Privacy Policy & Terms

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1. Is there a fee to use UK Business Loans to find fit-out finance? — No, UK Business Loans is free to use for businesses and we only receive a commission from partner lenders or brokers when a lead converts.
2. Will submitting a free eligibility check affect my credit score? — No, the initial enquiry is a soft check only and does not trigger a hard credit search until a lender or broker advises and you consent.
3. What types of fit-out finance can I access through UK Business Loans? — You can be matched to asset finance, commercial business loans, hire purchase, invoice finance, short‑term bridging and specialist hospitality fit‑out funding.
4. How quickly will lenders or brokers contact me after I submit an enquiry? — Partners typically contact you by phone or email within a few hours during business days.
5. What information do I need to complete the free eligibility check? — Prepare your business name, trading history, estimated annual turnover, amount required (typically from £10,000), purpose of funds, VAT status and contact details.
6. Who pays UK Business Loans for making an introduction? — Partner lenders or brokers pay an introducer or referral fee under commercial agreements when a lead results in a completed deal, not the business.
7. Can start‑ups or newly formed companies get fit‑out finance through your service? — Yes, many lenders and brokers we work with offer products for new and growing businesses, subject to provider criteria and product terms.
8. Will lenders or brokers charge additional fees for fit‑out finance? — Yes, lenders or brokers may charge arrangement, origination, valuation, solicitor or early repayment fees, so always request a full written fee schedule.
9. Are the lenders and brokers you introduce FCA‑regulated? — Many of our partners operate under FCA rules but regulatory status can vary, so you should check each partner’s regulation and request written terms.
10. Is the enquiry form a formal loan application? — No, the short enquiry is not an application but a no‑obligation match request to connect you with suitable lenders and brokers.