Are the brokers and lenders UK Business Loans introduces me to based in the UK and operating under the relevant regulations?
Quick summary
If you need business finance — whether construction business loans, sustainability business loans or general working capital — UK Business Loans introduces you to specialist lenders and brokers who are generally UK‑based and who provide clear information about their regulatory status. We do not lend or give financial advice. We screen partners for Companies House registration, UK contact details, trading history and, where relevant, FCA permissions. For many SME and consumer‑facing products we verify FCA authorisation on the FCA Register; for bespoke commercial finance we confirm business standards and disclosure. Complete a Free Eligibility Check and we’ll match you with suitable UK lenders or brokers for loans of £10,000 and upwards.
Who we are and what we do
UK Business Loans is an introducer platform that connects UK companies with specialist lenders and business loan brokers. We do not provide loan funds or regulated financial advice — our role is to match your business with providers who can help secure the finance you need.
- We introduce businesses seeking loans of £10,000 and upwards to suitable lenders and brokers.
- Our service is free for businesses and no obligation — you choose whether to proceed after you receive quotes.
- We earn revenue when businesses complete the enquiry form and proceed with a partner — so our interest is in matching you quickly with well‑suited providers.
How we verify that partners are UK-based
Being UK‑based matters because it usually means UK law applies, local customer service is available and you can more easily verify identity and track record. When we say a partner is UK‑based, we look for tangible evidence, not just marketing copy.
What “UK‑based” means to us
- Companies House registration with a UK company number
- UK business address (not a PO Box) and a UK landline or clear UK contact details
- Evidence of UK operations — staff based in the UK, UK customer case studies or UK‑served contracts
Checks we run on each partner (initial vetting)
- Companies House lookup and identity confirmation
- VAT registration where applicable
- Confirmation of UK address and telephone details
- Evidence of UK trading history (client references, case studies and testimonials)
- Local contact points for sales, servicing and complaints
We will never represent an overseas‑only firm as UK‑based without clear disclosure. If a partner operates from outside the UK but has a UK branch, we check which legal entity will contract with you and which regulatory regime applies.
How we check regulatory status — FCA and commercial lending nuance
The Financial Conduct Authority (FCA) regulates many financial services in the UK. Whether a lender or broker needs FCA authorisation depends on the product and who it is aimed at. We make this distinction clear to you before passing on your details.
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
What we do when FCA authorisation is required
- Ask partners to supply their FCA firm reference number and permitted activities.
- Cross‑check the FCA Register to confirm the firm name, reference number and scope of permission.
- Verify appointed representative status and the regulatory chain of responsibility where used.
- Confirm the disclosures the partner must provide (for example, fees, role as broker or lender, and complaints procedure).
Commercial lending nuance — what to expect
Some specialist commercial finance for larger corporates or bespoke facilities can sit outside consumer‑facing FCA rules. Where a product is outside FCA consumer regulation, we still require clear commercial standards, robust documentation and strong business references. We will always state whether a partner is FCA‑authorised or not before sharing your contact details.
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.
- Pass your details to unverified providers.
- Represent a non‑UK provider as UK‑based without disclosure.
- Claim regulatory status on behalf of a partner — we show the evidence and the source (eg FCA Register).
Our partner onboarding and ongoing checks
We use a staged process so that partners meet minimum trust and compliance standards before they receive leads — and continue to meet those standards while they remain on our panel.
Initial onboarding
- Identity checks: Companies House, VAT and legal entity verification
- Regulatory checks: FCA Register cross‑checks where relevant
- Business conduct checks: evidence of trading history, references and sample customer communications
- Contractual agreements: data protection (GDPR), anti‑money‑laundering (KYC/AML) and lead handling rules
Ongoing monitoring
- Periodic re‑validation of registrations and permissions
- Monitoring of customer feedback, complaint volumes and resolution outcomes
- Removal or suspension of partners that fail standards or present reputational risk
These processes help ensure that when we introduce you, you’re dealing with a partner who can be traced, held accountable and who operates to expected UK business standards.
Protections you have as a business owner
- Clear disclosure: Before a partner contacts you we disclose whether they are a lender or broker, their UK status and whether they hold FCA permissions.
- Consent & data privacy: We only share your details after you consent on our enquiry form and in line with our privacy policy.
- Direct contracting: After introduction you negotiate directly with the lender or broker; they are responsible for credit assessment and documentation.
- Complaints and redress: Regulated firms must operate a formal complaints process and may be eligible for the Financial Ombudsman Service; we will highlight this on the partner profile.
Practical examples
Construction business loans
Specialist lenders and brokers we work with for construction needs (retentions, staged payments, plant & equipment lending) are typically UK‑headquartered and have documented experience in construction cashflow cycles. For SME‑facing products they will usually either hold FCA permissions or work through FCA‑authorised intermediaries — we confirm and show this before sharing your details.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Sustainability business loans
Providers that fund solar retrofits, EV chargers and other green projects often operate in the UK market and frequently partner with trade bodies or grant schemes. We check project delivery proof points and, where relevant, accreditation or trade membership. Their regulatory status is clearly displayed on our partner profile.
For more on the types of solutions we introduce businesses to, see our business finance overview: business finance.
Checklist: what to ask any lender or broker we introduce you to
Before you proceed, request clear answers in writing:
- Are you regulated by the FCA? (Ask for the firm reference number and check the FCA Register.)
- What is your registered UK address and Companies House number?
- Who will be the contracting legal entity and which law governs the agreement?
- Do you charge fees to me or are fees paid by the lender? Please confirm amounts and timing.
- What is your complaints process and typical response times?
- Will you perform a credit check and might it affect my credit score?
Common scenarios and what to expect
- If a lender is FCA‑authorised: you benefit from conduct rules, required disclosures and access to the FCA complaints route and potentially the Financial Ombudsman Service.
- If a lender is not FCA‑authorised because it only provides large commercial finance: you’ll receive commercial contract protections; we will disclose this status before sharing your details.
- If a partner is overseas but offers UK lending via a UK branch: we insist on clarity about which legal entity will contract and which regulatory regime applies, and that key documents are in English and subject to UK law where appropriate.
Our promises to you
- We do not provide regulated financial advice or lend money.
- We introduce you only to vetted partners and disclose their regulatory status.
- We will not share your details without your consent.
- Our service is free and no‑obligation for businesses.
Ready to receive matched quotes and a free eligibility check? Get Started — Free Eligibility Check
Frequently Asked Questions
Are all lenders and brokers FCA‑regulated?
Many of our partners are FCA‑authorised where the product or the customer type requires it. Where FCA permissions apply we verify them on the FCA Register and display the firm reference number. Some specialist commercial lenders operate outside consumer FCA rules; in those cases we make the distinction clear before sharing your details.
Will contacting UK Business Loans be treated as a credit application?
No — completing our enquiry is not a full application and typically will not affect your credit score. Individual lenders may perform checks later if you proceed with an application.
How quickly will lenders or brokers contact me?
Usually within hours during business time. You can state contact preferences on the enquiry form and decline any method of contact you do not want.
What if I’m unhappy with a partner?
If the partner is regulated, use their formal complaints process (we show this in advance). You should also inform us and we will re‑assess that partner’s status on our panel.
Get a Free Quote — Start Your Enquiry
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.
How to get started
- Click “Get Started — Free Eligibility Check” and complete a short enquiry (it takes 1–2 minutes).
- We match you with UK lenders and brokers who specialise in your sector (construction, sustainability, retail, manufacturing, etc.).
- Receive eligibility checks and quotes — compare options and choose the best fit. No obligation to proceed.
Final reassurance: Our aim is to match you quickly with UK‑based, experienced finance professionals and to be clear about their regulatory status. Complete the enquiry to receive no‑obligation, matched finance options for loans of £10,000 and upwards.
UK Business Loans — introducer to trusted UK lenders and brokers. Not a lender. We only share your details with approved partners and with your consent. See our privacy policy for details.
1. Are the lenders and brokers UK‑based and regulated when I use UK Business Loans?
Yes — we match you only with partners that show tangible UK presence (Companies House registration, UK address/contacts) and we disclose their FCA authorisation status or commercial lending classification before sharing your details.
2. Is UK Business Loans a lender and will submitting an enquiry count as a loan application?
No — we are an introducer not a lender, and completing our free eligibility check is not a full application and will not normally be treated as one.
3. Will submitting an enquiry affect my business credit score?
No — the initial enquiry does not normally affect your credit score, although individual lenders may run credit checks later if you choose to proceed.
4. How quickly will lenders or brokers contact me after I submit the form?
Most partners contact you within hours during business time, and you can set your contact preferences on the enquiry form.
5. What loan amounts and types of finance can I be matched with through UK Business Loans?
We introduce businesses to lenders and brokers for loans from around £10,000 up to multi‑million commercial facilities across products like unsecured business loans, asset finance, invoice finance, construction and sustainability loans.
6. Are there any fees to use UK Business Loans or hidden costs when I’m matched?
Our service is free and no‑obligation to businesses; any broker or lender fees will be disclosed by the partner before you proceed.
7. How do you verify that a partner is legitimate and operates to UK standards?
We vet partners using Companies House, VAT checks, UK contact verification, trading history and — where relevant — cross‑checking FCA permissions and appointed representative status on the FCA Register.
8. What protections do I have if the lender or broker is FCA‑regulated?
If a partner is FCA‑authorised you benefit from required disclosures, conduct rules, a formal complaints process and possible access to the Financial Ombudsman Service, all of which we highlight on the partner profile.
9. What should I ask any lender or broker you introduce me to before proceeding?
Ask for their FCA firm reference number (if applicable), Companies House registration and registered address, the contracting legal entity, any fees and timing, whether they will perform credit checks, and their complaints process.
10. How do I start and what information do I need for the free eligibility check?
Click “Get Started — Free Eligibility Check,” complete a short 1–2 minute enquiry with basic business and contact details plus the loan type/amount you need, and we’ll match you with suitable UK lenders and brokers.