What happens after I submit an equipment finance enquiry?
Summary: After you complete the quick enquiry form, UK Business Loans securely receives and validates your details, matches your request to 1–3 specialist lenders or brokers that can help with equipment finance (loans or leases from £10,000+), and those partners will contact you—often within hours—for a free eligibility check and no-obligation quotes. You are under no obligation to accept any offer and submitting the enquiry is not a formal application.
Quick timeline — the short answer
In most cases you’ll hear from a matched lender or broker within hours on the same working day. The basic flow is: we receive your enquiry → validate and match it → selected partners contact you for a quick eligibility check → you receive quotes to compare → you decide whether to proceed. Submitting the form is free, quick and non-binding.
Get Quote Now — it takes under two minutes.
Step-by-step: what happens next
Step 1 — We receive and check your enquiry
When you click submit your form is captured on our secure system. We run automated validation to ensure contact details, company name and required fields are complete so we can process your request without delay. This initial check is not a credit search — it’s a data quality step to avoid wasted time for you and the lenders.
Step 2 — Matching your enquiry to the right lenders and brokers
We use the information you provide (equipment type, purchase price, deposit, amount required, desired term, industry and location) to match your enquiry with 1–3 partners most likely to help. Matches are based on:
- Product fit (hire purchase, finance lease, operating lease, refinance)
- Sector expertise (construction, hospitality, manufacturing, logistics, etc.)
- Loan size and term (we arrange loans and asset finance from around £10,000 upwards)
- Previous partner performance for similar enquiries
We only share your details with selected, vetted lenders and brokers who are able to consider equipment finance requests. If you want to read more about equipment finance options we commonly introduce, see our equipment finance overview: equipment finance.
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
Step 3 — Initial lender or broker contact
One of the matched partners will contact you by phone or email to carry out a quick, free eligibility check. Typical questions include:
- Confirm the equipment make/model and total purchase cost
- Deposit amount and trade-in details (if any)
- Business trading history and approximate turnover band
- Preferred repayment term and any seasonal cashflow considerations
Partners can usually provide a preliminary quote or indicative offer at this stage. Nothing at this point is a formal application—formal lending checks (which may include credit searches) only happen if you choose to apply with a lender.
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.
Step 4 — Receiving, comparing and clarifying quotes
Quotes you receive should list: deposit, repayment schedule, interest rate or factor rate, any arrangement or documentation fees, and the ownership/return options at term. When comparing quotes look at:
- Total cost over the term (not just monthly payments)
- Impact on cashflow — monthly or quarterly payments
- Who owns the asset during/after the term (HP vs lease)
- Additional service packages (maintenance, warranties, end-of-term options)
If you’d like multiple formal quotes, tell the broker or lender and they’ll arrange them. When ready, Get Quote Now to be matched with partners who can send tailored offers.
Step 5 — Formal application, documentation and drawdown
Once you select a provider they will advise the exact documentation required (company accounts, bank statements, VAT registration, ID for directors, supplier invoices, etc.). Simpler deals can be agreed within a few working days; more complex transactions or bespoke assets (specialist machinery, high-value fleets) may take longer due to valuations, vendor terms or delivery schedules. The lender/broker handles the formal credit checks and completion — UK Business Loans’s role is to introduce and match.
What we don’t do — clarity & transparency
We are an introducer — not a lender. We do not provide regulated financial advice or complete loan documentation on your behalf. Our quick enquiry form is not an application; it is a way for us to match your business with suitable lenders or brokers. Submitting an enquiry does not in itself affect your credit score — a formal credit check is only performed by a lender if you choose to proceed with their application. Our service is free and no-obligation for businesses.
Benefits to your business
- Save time – we contact the most relevant lenders so you don’t have to search dozens of providers
- Faster, no-obligation quotes and free eligibility checks
- Better fit – we match you to partners who understand your sector and equipment
- Options — hire purchase, finance lease, operating lease and refinance alternatives
Free Eligibility Check — Get Started
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Practical tips to speed up the process
When you submit the enquiry or when a lender calls, have the following available to speed up accurate responses:
- Exact equipment details (make, model, supplier quote or invoice)
- Total purchase price and proposed deposit
- Preferred finance term (months / years)
- Recent company accounts or management figures and business bank statements
- Supplier contact and delivery lead times
Supplying these at first contact helps partners issue firm quotes faster.
Typical timelines — what to expect
- Enquiry received to first contact: hours to same working day
- Indicative quote: within hours to 2 working days
- Formal decision (once documents provided): 1–10 working days
- Vendor payment / drawdown and delivery: 3–21 days (variable by asset and supplier)
Factors that can extend timelines include complex asset valuations, need for security or director guarantees, incomplete paperwork and vendor delays.
Frequently asked questions
After I submit the quick enquiry, what happens?
We validate your form, match it to suitable lenders/brokers, and those partners will contact you for a free eligibility check and to provide indicative or formal quotes. You are under no obligation to accept any offer.
Will submitting an enquiry affect my credit score?
No. The initial enquiry and partner contact do not affect your credit score. A formal credit check is only undertaken by a lender if you proceed with an application.
How quickly will lenders contact me?
Often within hours during working hours. In quieter periods it may take up to 48 hours. Make sure your contact details are correct to avoid delays.
How many lenders will receive my details?
Typically 1–3 carefully chosen lenders/brokers receive your details so you get relevant and manageable responses rather than a flood of mismatched calls.
Do I have to accept any quote?
No. All quotes are non-binding until you sign a formal agreement with a lender. You can compare offers and choose the best fit for your business.
What documents will lenders ask for?
Common documents include supplier invoice/quote, recent company accounts or management accounts, company bank statements and ID for directors. The exact list depends on the lender and deal complexity.
Is there a cost to use UK Business Loans?
No. Our matching service is free to business owners. Any fees or charges will be disclosed by the lender or broker in their quote.
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.
If you’d like to get matched now, Get Quote Now.
Ready for a quick equipment finance quote?
Complete our short enquiry form to receive tailored, no-obligation quotes from lenders and brokers experienced in funding equipment. It takes under two minutes and could save you days of searching.
Get Quote Now — Free Eligibility Check
We introduce businesses to lenders and brokers for equipment finance of around £10,000 and above. Submitting the enquiry is not a loan application.
1. Is UK Business Loans a lender or does submitting an equipment finance enquiry mean I’ve applied for a loan?
No — UK Business Loans is an introducer that matches your enquiry to trusted lenders and brokers; submitting the enquiry is not a formal loan application.
2. Will submitting an equipment finance enquiry affect my credit score?
No — your initial enquiry and partner contact do not affect your credit score; a formal credit check is only carried out by a lender if you choose to proceed.
3. How quickly will lenders or brokers contact me after I submit an enquiry?
Typically you’ll hear from a matched lender or broker within hours during working days, though it can take up to 48 hours depending on partner workloads.
4. How many lenders will receive my details and how are they chosen?
We send your enquiry to 1–3 carefully selected, FCA‑regulated lenders or brokers based on product fit, sector expertise, loan size and previous partner performance.
5. What types of equipment finance and loan amounts can I be matched with?
UK Business Loans connects you to hire purchase, finance lease, operating lease, refinance and other asset finance options for equipment and vehicles, generally from around £10,000 upwards.
6. What documents should I have ready to speed up an equipment finance application?
Have the supplier quote or invoice, exact equipment details (make/model), proposed deposit, recent company accounts or management figures, and business bank statements and director ID ready.
7. Is there any cost or obligation to use UK Business Loans to get quotes?
No — the matching service is free and no‑obligation for businesses, and any fees or charges will be disclosed by the lender or broker in their quote.
8. Can start‑ups or businesses with imperfect credit get equipment finance through your partners?
Yes — many lenders and brokers we work with specialise in start‑ups and businesses with less‑than‑perfect credit, though eligibility depends on the lender’s criteria.
9. How long does it usually take from enquiry to funding and delivery of equipment?
Expect first contact in hours, indicative quotes within hours to 2 working days, formal decisions 1–10 working days once documents are supplied, and vendor payment/delivery typically 3–21 days depending on the asset.
10. What should I compare when I receive multiple equipment finance quotes?
Compare total cost over the term, monthly cashflow impact, ownership and end‑of‑term options (HP vs lease), interest or factor rates, and any arrangement or documentation fees.