Are UK Business Loans free for building services businesses in the UK to use?

Building services business loans — free matching & quick quotes.

Short answer: Yes — using UK Business Loans to be matched to lenders and brokers is free for building services businesses. Complete a no-obligation enquiry to get fast, targeted quotes from reputable providers.

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How it works

We are an introducer — not a lender. We connect building services businesses with lenders and brokers who can provide funding quotes.

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

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Summary — TL;DR

Yes. UK Business Loans’ service is free for building services businesses to use. You can submit an enquiry without charge and without obligation. We only generate revenue after an enquiry results in an introduction that a lender or broker accepts — any loan interest, arrangement fees or broker charges are set by those providers and will be disclosed to you before you sign anything. For a free eligibility check and fast quotes, get started here.

What UK Business Loans does

UK Business Loans helps building services companies (contractors, subcontractors, installers and specialist trades) find suitable business finance. We collect a few details via a short enquiry, then match your request to lenders and brokers in our panel who specialise in the type of funding you need.

• We are a connector/introducer — we do not underwrite or lend funds.
• We match based on business size, sector, loan amount and purpose so you get relevant calls and quotes.
• Completing the enquiry is not a loan application — it is information that helps us make accurate introductions.

Check eligibility — free and no obligation

Are we really free for building services businesses?

Yes — using UK Business Loans to find lenders or brokers is free for building services businesses. That means:

• You won’t pay UK Business Loans to complete a short enquiry or to be introduced to finance providers.
• There’s no obligation to accept any quote you receive from a lender or broker.
• Submitting an enquiry does not commit you to a loan and does not automatically trigger credit checks.

How we get paid: when an enquiry results in a successful lead that a lender or broker converts, those providers may pay us a commission or fee. This is standard in introducer networks. You will not be billed by UK Business Loans for the introduction itself.

Important: any interest rates, arrangement fees or broker charges are set and charged by the lender or broker you choose. We don’t set pricing and we don’t receive fees from you directly.

If UK Business Loans is free, where do costs come from?

While our matching service is free, the finance you ultimately take on can include costs from the lender or broker. Typical cost types include:

• Interest — the ongoing cost of borrowing, expressed by lenders as an annual interest rate or APR (ranges depend on product and credit risk).
• Arrangement or facility fees — one-off fees for setting up a loan or line of credit.
• Broker fees — some brokers charge a client fee (others are paid by the lender); always check who pays and how much.
• Early repayment charges — penalties if you repay a loan before the agreed term.
• Security-related costs — valuation fees, legal fees for charges over property, or costs for mortgages/guarantees.

Indicative examples (illustrative only): small unsecured loans can carry higher rates depending on credit; invoice finance fees might be a percentage of invoices (e.g. 0.5%–3% per month depending on the provider and product); asset finance often requires a deposit plus monthly repayments. Exact figures vary widely — providers will present full costs in writing before you commit.

Building services-specific loan types & when they’re useful

Different funding types suit different needs. Below are common solutions for building services businesses (typical uses shown):

• Working capital / unsecured business loans — quick cashflow, payroll, materials. Typical use: cover a short-term gap between invoicing and payment.
• Asset finance / equipment finance — vans, plant, specialist tools, HVAC kit. Typical use: buy a new van or replace an expensive pump without a large upfront cost.
• Invoice finance / factoring — unlock cash tied up in unpaid invoices. Typical use: subcontractors waiting on payment from large contractors.
• Commercial mortgages & bridging — buy or refinance a depot, yard or workshop. Typical use: purchase a premises to grow operations.
• Sustainability & green loans — fund EV chargers for your fleet, solar for premises, or low-carbon equipment. Typical use: reduce long-term running costs and meet client sustainability spec.
• Contract & retentions funding — bridge cash tied to long projects or retention periods. Typical use: win larger jobs without cashflow strain.

If you want more detail tailored to your trade and loan size (we typically handle enquiries from around £10,000 and upwards), get a free eligibility check.

For more industry-focused information see our page on building services business loans.

How UK Business Loans matches building services businesses to lenders

Our matching logic is designed to save you time and to increase the likelihood of a relevant quote:

• We assess your business size, sector (eg. plumbing, HVAC, electrical), trading history and loan purpose.
• We check loan amount and geographic factors to find lenders/brokers active in your area.
• We prioritise partners who specialise in the product you need and who have experience with building services businesses.

Speed: most matches produce a response within hours during business days. We only pass your details to lenders/brokers relevant to your request and with your consent.

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What happens after you submit a form

1. We review & match: your enquiry is assessed and matched to selected partners.
2. Partner contacts you: a lender or broker will call or email to discuss options (usually within hours).
3. Quotes & comparison: you’ll receive one or more proposals — compare interest, fees, term and security.
4. You decide: only proceed if you’re satisfied. Formal applications and credit checks occur only if you choose to proceed.

Microcopy: Submitting a quick enquiry will not affect your credit score. It’s an information step to help us find the best matches for your business.

Frequently asked questions

Q: Is there really no cost to use UK Business Loans?

A: Yes — there is no charge from UK Business Loans to submit an enquiry or be matched with lenders. Any costs you later pay relate to the loan product you choose from a lender or broker.

Q: Will I be charged if I request quotes?

A: No. Receiving quotes is free. You only pay charges set by lenders/brokers if you accept and progress to a formal agreement.

Q: Who pays UK Business Loans?

A: We receive a commission or fee from the lender or broker after a successful introduction. This does not increase the fee you pay to the lender — it’s how introducer networks commonly operate.

Q: Will submitting an enquiry affect my credit score?

A: No. Initial enquiries are not formal credit applications. Lenders may perform credit checks if you proceed to a formal application and with your consent.

Q: Can I compare multiple offers?

A: Yes. Our matching often results in multiple contacts so you can compare rates, fees and terms before deciding.

Q: What information do I need to get a quote?

A: Basic business details (name, turnover band, trading years), the amount required, loan purpose, and contact details. More detail may be requested by lenders/brokers later.

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Transparency & important information

UK Business Loans acts as an introducer and is not a lender. We do not provide regulated financial advice. We connect you to lenders and brokers who will provide terms and cost information. Any fees, interest rates or other costs are set by those providers and will be disclosed before you sign any agreement. By submitting your enquiry you consent to relevant partners contacting you. For our full privacy details and terms see Privacy Policy and Terms & Conditions.

Trust, social proof & next steps

We’ve matched hundreds of UK trades and building services businesses with finance partners to help them manage cashflow, buy equipment, and scale. Ready to see your options?

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If you prefer to speak to someone, call us at +44 20 0000 0000 (Mon–Fri 9am–5pm).

1. Is UK Business Loans free for building services businesses to use?
Yes — submitting an enquiry and being matched to lenders or brokers is completely free and no-obligation; we are paid by lenders or brokers only after a successful introduction.

2. Will submitting an enquiry affect my business credit score?
No — the initial enquiry is informational and won’t affect your credit file; formal credit checks only occur if you choose to progress to an application.

3. Who pays UK Business Loans and will that increase what I pay for a loan?
We are paid a commission or fee by the lender or broker after a successful introduction, and any loan interest or charges are set by the provider and disclosed to you before you sign.

4. What types of funding can you help building services businesses find?
We can match you to working capital and unsecured business loans, asset and equipment finance, invoice finance/factoring, commercial mortgages and bridging, contract/retentions funding, and sustainability/green loans.

5. How quickly will I be matched with lenders or brokers?
Most matches generate a response within hours on business days, with partners usually contacting you by phone or email soon after submission.

6. What information do I need to complete the enquiry form for a quote?
You’ll need basic business details (name, turnover band, years trading), the amount required, loan purpose, and contact details, with further information requested by lenders if you progress.

7. Can start-ups or businesses with poor credit get finance through your service?
Yes — many of our broker and lender partners specialise in start-ups and applicants with imperfect credit, though eligibility and terms depend on each provider’s criteria.

8. Are the lenders and brokers you introduce regulated and trustworthy?
Yes — we work with reputable, UK-based lenders and FCA-regulated brokers who are required to treat customers fairly and disclose full terms.

9. How much can I borrow when matched through UK Business Loans?
Loan amounts vary by product and provider but our network typically handles enquiries from around £10,000 up to multi‑million pound facilities.

10. Is requesting quotes through your site the same as applying for a loan?
No — requesting quotes is not a formal application; a formal application and any credit checks only happen if you decide to proceed with a chosen lender or broker.