Do business owners pay to use UK Business Loans’ introducer service?

Short answer: No. UK Business Loans does not charge business owners or directors to use our introducer service. Submitting an enquiry and getting matched with lenders or brokers is free and carries no obligation. If you want to proceed with a lender or broker’s offer, that provider may charge fees — those are set by the lender or broker and will be disclosed to you before you agree.

Free Eligibility Check — Get Started

How our introducer service works (fast, simple)

We’re a specialist introducer for business finance. We don’t lend money — we make introductions to lenders and brokers who offer business loan solutions suitable for construction firms, contractors and builders. Here’s the usual flow:

1. Complete a short enquiry — a few business details and the funding you need (takes under 2 minutes).
2. We match you — your enquiry is routed to selected lenders or brokers that handle construction finance and loans of approximately £10,000 and up.
3. Receive contact and quotes — partners will contact you by phone or email with eligibility, indicative terms and any fees they charge.
4. You decide — you’re under no obligation to accept any quote. If you progress, the lender or broker will confirm full costs and terms in writing.

Responses are often quick — many partners will reach out within hours during business hours. To begin, Get Quote Now.

Why our introducer service is free for business owners

Our commercial model is simple: we act as a lead introducer. Lenders and brokers pay for qualified, relevant leads or pay a commission when a transaction completes. Because our revenue comes from partners and not from you, we can offer the introduction and initial eligibility check at no cost.

That benefits you because:

• You save time searching dozens of lenders.
• You get matched with providers who understand construction finance.
• You can compare multiple offers without paying for the introduction.

If you want to see options for construction finance quickly, Get Started — Free Eligibility Check.

What (if anything) you might pay later — lender and broker fees explained

While you won’t pay UK Business Loans to be introduced, the lender or broker you choose may charge fees depending on the product. These fees vary by lender, product type and deal size. Typical examples include:

Broker fees

Brokers sometimes charge advisory or arrangement fees for sourcing and administrating a loan. Fees can be a fixed amount (e.g., £500–£2,000) or a percentage of the facility (commonly 0.5%–2%). Some brokers include their fee within the loan (added to capital) or deduct it from funds drawn — always check how the broker intends to be paid.

Lender fees

Common lender charges include:

• Arrangement fee: one-off fee for setting up the facility (flat or %).
• Valuation fee: cost to value property or assets used as security.
• Legal fees: solicitor costs for mortgage or charge documentation.
• Drawdown/monitoring fees: especially relevant for development finance (stage inspections and monitoring).
• Early repayment charges: if you settle a loan before the agreed term.

How fees are disclosed

Responsible lenders and brokers will provide a clear, itemised illustration of costs before you sign any agreement. Always ask for the total cost of credit and any one-off or ongoing charges in writing. If anything is unclear, request a written breakdown and compare multiple offers.

Get Quote Now and we’ll ask partners to confirm any fees up front so you can compare like-for-like.

Construction-specific considerations — fees that matter for builders

Construction and development finance often has more moving parts than a standard business loan. Depending on the product, expect some of the specific charges below.

• Development finance: monitoring fees, stage drawdown fees, exit fees and higher arrangement fees because lenders take on construction risk.
• Bridging loans: typically higher arrangement fees and interest rates; valuation and legal costs are common.
• Invoice finance / factoring: service fees and discount rates (a percentage charged on invoices advanced; there may be monthly service fees).
• Asset & equipment finance: deposit, documentation fees and sometimes maintenance or insurance requirements.
• Stage payments and retentions: lenders may charge on each drawdown or retention release inspection.

Practical tips: build expected fees into your cashflow model, ask for an itemised quote, and compare total cost rather than headline rates. If you need specialist construction options, view dedicated resources on construction business loans.

Free Eligibility Check — Get Started

Privacy, data handling and credit checks — what to expect

Your enquiry is just that — an enquiry. It is used to match you with suitable lenders or brokers and is not an application. Key points:

• Submitting the short enquiry does not typically trigger a credit search and should not affect your business or personal credit score.
• When you choose to progress with a lender or broker they may perform a full credit check (a hard search). They will tell you before they do this and receive your consent.
• Your data is shared only with lenders or brokers who are relevant to your request. You can read our full Privacy Policy (link to the privacy page on your site) for details on retention, rights and data sharing.

If you have concerns about data use or credit searches, raise them when a partner contacts you — transparency is part of the process.

How to get a free quote and what happens next

Getting started is straightforward:

1. Click Get Quote Now and complete the short enquiry (business details, funding amount, and contact info).
2. We match your details to lenders and brokers who specialise in construction finance and loans from around £10,000 upwards.
3. Expect contact from partners by phone or email — typically within hours to 48 hours depending on complexity.
4. Ask each partner for an itemised schedule of fees and the full cost of credit before you sign anything.

Remember: filling the enquiry form is free and not an application. If you want an expert match for construction finance, Get Started — Free Eligibility Check.

FAQs

Is using UK Business Loans really free for my construction business?

Yes. There is no charge for the introduction or the initial eligibility check. Any fee you pay will be charged by the lender or broker you choose — not by UK Business Loans.

Will submitting an enquiry affect my credit score?

No. The initial enquiry is a soft, non-credit-search submission. Lenders or brokers may carry out hard credit checks later when you choose to proceed and will tell you before doing so.

Can lenders or brokers charge me a fee for arranging finance?

Yes. Brokers may charge arrangement or advisory fees, and lenders may levy arrangement, valuation, legal or drawdown fees. These costs vary by product and must be disclosed before you enter any agreement.

What loan sizes do you support for construction businesses?

We commonly help businesses seeking loans from around £10,000 upwards. For specialist development or commercial property finance the upper amounts can be much larger, depending on lender criteria.

How long does it take to receive offers?

Simple cashflow or asset finance enquiries can attract responses within hours. More complex products (development finance, large commercial mortgages) typically take longer — often several days to a few weeks depending on site visits, valuations and underwriting.

What should I ask lenders or brokers about fees?

Ask for a full fee schedule, the total cost of credit, how fees are paid (deducted, added to the loan, or paid direct), and whether any ongoing or exit charges apply.

Who do I contact about a complaint?

If you have an issue with our service, email support@ukbusinessloans.co with full details. We aim to resolve all enquiries quickly and transparently.

Final reassurance & next steps

Using our introducer service is a quick, no-cost way to explore construction finance options without wasting time. We connect you to lenders and brokers who can provide quotes and explain any fees in plain English — you remain in control at every step.

Get Quote Now — Free Eligibility Check

Trusted by builders and contractors to find suitable construction business loans quickly. Image suggestion: an image of a construction site with a crane and workers — alt text: “construction site with crane and workers — construction business loans”.