Summary (quick answer)

Using UK Business Loans to find a business finance match is free for UK companies. We act as an introducer: you complete a short enquiry form and we pass your details to appropriate lenders or brokers. We are paid by those partners when they receive a viable lead that progresses — not by you. Any charges you may pay are fees, interest or third‑party costs set by the lender or broker once you choose to proceed. Free Eligibility Check

How UK Business Loans works — quick overview

We connect limited companies and small/medium businesses that need funding with specialist lenders and brokers across the UK. We do not lend money ourselves and do not complete loan underwriting.

1. Complete a short enquiry form. Tell us a few details about your business, the amount you need (we usually arrange loans from around £10,000 and upwards), the type of finance and the best way to contact you.
2. We match your enquiry. Our system and advisers pick the lenders and brokers most likely to help with your sector and funding need.
3. Selected partners contact you. They may call or email to discuss options and provide indicative quotes.
4. You compare and decide. You are under no obligation — only if you accept an offer will you move to a formal application that may carry lender/broker fees.

Because we are an introducer, our service is provided to businesses at no cost. Get Started — Free Eligibility Check

Do we charge fees to businesses using the site?

No. UK Business Loans does not charge you to search for finance, receive an introduction, or get a quote. We will never ask you to pay to be matched with lenders or brokers, or to get an eligibility check.

How we are paid

We earn revenue from our partner lenders and brokers when a lead provided by us results in a progressed enquiry. That commercial arrangement allows us to operate the service without charging businesses for introductions.

If you ever encounter a request to pay a fee to simply receive an introduction, quote or initial discussion, please contact us immediately via our contact page or by using the enquiry form so we can investigate.

When might fees apply — what to expect from lenders and brokers

Although UK Business Loans itself is free to use, lenders and brokers you are introduced to may charge fees or include costs in their products. Below are the common situations where charges might apply.

1. Arrangement, broker or origination fees

• Some lenders add an arrangement fee (also called an origination or underwriting fee) that can be taken upfront or added to the loan balance.
• Independent brokers sometimes charge a broker fee for specialist deal‑finding or structuring services. Brokers should disclose any fee in writing before you agree to proceed.

2. Interest rates and product fees

• Interest, APR and ongoing product fees are a normal part of borrowing and will vary by lender and product.
• Compare total cost of borrowing (interest + fees) rather than headline rates alone.

3. Third‑party costs

• For secured finance or property-backed lending you may need to pay valuation, legal, survey or registration costs — these are set by the lender or external professionals.

4. Early repayment charges and exit fees

• Some loan products include early repayment charges. Check the lender’s terms before signing a formal agreement.

5. When you accept an offer

Receiving an introductory call or quote carries no fee. Fees typically only apply after you accept an offer and enter into a formal contract or broker engagement that sets out costs. Always ask for a written breakdown of fees and the total cost before committing.

Want a tailored run‑through of likely costs for your sector? Get Quote Now and a matched partner will outline any fees they may charge.

Note: for a general overview of business finance options, read more about business finance on our resources page.

Data, privacy and credit checks — what happens when you enquire

We understand sharing business details is sensitive. Here’s how we handle data and what to expect about credit checks.

• Data sharing: Your enquiry details are shared only with selected lenders and brokers who match your needs. We do not sell your data to unrelated third parties.
• Security: We use industry-standard encryption to protect information in transit and storage. See our Privacy Policy for full details at /privacy.
• Soft vs hard credit checks: Submitting an enquiry does not automatically trigger a formal credit search. Partners may use soft checks to provide indicative eligibility (these do not affect credit scores). Formal hard checks are performed only by a lender when you submit a formal application — and they should tell you before doing so.
• Consent: When you submit the enquiry form you consent to us passing your details to relevant partners; this consent is made clear on the form.

If you are unsure about what a partner has done with your data, contact them directly or contact us and we’ll help clarify.

Why use UK Business Loans — the benefits for your business

• Free and fast: A single enquiry connects you with multiple specialist partners — saving time and effort.
• Tailored matches: We match you to lenders and brokers with experience in your industry and finance type.
• No obligation: You can receive quotes without committing to an application or paying any introducer fee.
• Clarity: Partners are expected to disclose fees and charges in writing before you proceed.

We typically help companies seeking from about £10,000 upwards across common business finance types such as term loans, asset finance, invoice finance and commercial property finance.

How to get started — quick steps

1. Click Get Quote Now or Free Eligibility Check.
2. Complete the short enquiry form (it takes only a few minutes).
3. We match you with the most suitable lenders/brokers; expect contact—often within hours.
4. Compare written quotes, ask for full fee disclosures, and decide with no obligation.

If you’d like to read more about the different types of providers we work with, see our guide on business finance.

Frequently asked questions (FAQ)

Will submitting an enquiry affect my company credit score?

No — submitting a UK Business Loans enquiry does not trigger a hard credit search. Partners may perform soft eligibility checks that do not affect credit. A hard search occurs only if you pursue a formal application with a lender and you will be notified beforehand.

Do I have to accept any offer I’m introduced to?

No. Introductions and initial quotes are without obligation. You pay fees only if you accept an offer and the lender or broker’s terms include charges.

What if a broker asks me for a fee to provide an introduction?

You should not be charged simply for an introduction. If a broker requests payment for an initial introduction or quote, ask them to confirm in writing what the charge covers and contact us if you believe the request is inappropriate.

What loan sizes can you help with?

We typically arrange introductions for loans and finance from around £10,000 upwards. Our partners can also assist with larger commercial and development finance needs.

Get Started to receive tailored quotes from lenders and brokers who can explain costs and fees upfront.

Final note — transparency and no surprises

UK Business Loans is free to use for businesses seeking finance. Any charges you may face will be set out by the lender or broker you choose to work with and should be provided in writing before you accept an offer. If anything is unclear at any stage, request a full written breakdown of fees and the total cost of borrowing — and contact us if you need help understanding it. Free Eligibility Check