Need asset finance for plant, vehicles or machinery? Here’s exactly how UK Business Loans is paid and why that should not change the rate you’re offered. We match businesses seeking asset finance (from £10,000+) with brokers and lenders — submit a short enquiry and get matched quickly.

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Short answer

UK Business Loans is paid by the brokers or lenders we introduce you to — typically via an introducer/referral fee or a success fee when a lead converts. This is standard across lead marketplaces. In most cases the fee does not change the interest rate or APR a lender quotes you. Lenders and brokers set pricing based on your business, the asset, loan structure and market conditions — not the introducer’s commercial arrangements.

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How UK Business Loans works

We act as a quick-match service for businesses seeking asset finance (from £10,000 upwards). The process is simple:

• Complete a short enquiry with basic business and asset details.
• We match you to specialist lenders or brokers who handle asset finance for your sector (construction, transport, sustainability and more).
• Selected partners contact you with quotes and next steps — you decide whether to proceed.

The enquiry is not an application — it’s information used to match you with the most relevant providers. We do not lend money ourselves; we introduce you to providers who can.

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Exactly how we are paid

To operate a fast, free matching service we receive commercial payments from the lenders or brokers who receive leads from us. Typical payment models in the UK marketplace include:

• Per-lead / introducer fee: a fixed fee paid when a qualifying enquiry is delivered to a broker or lender.
• Success / completion fee: a fee paid when an enquiry converts to a funded deal or progressed application.
• Volume or retainer arrangements: fixed monthly or volume-based fees paid by large brokers for a stream of leads.

We only share the minimum information needed to match you, and partners are chosen for sector expertise and reliability. These commercial arrangements are between us and the provider and fund the cost of sourcing and qualifying enquiries. Fee levels are commercial and typically not disclosed to customers by the introducer.

Important: the enquiry form you complete is information to match you — it is not a formal application. When you complete the form, providers can contact you to discuss quotes and, if you choose, progress an application directly with them.

Will that payment affect the rate I pay?

Short answer: usually not. Lenders price asset finance based on objective risk and commercial factors, not on whether an introducer receives a fee. Below explains how pricing is set and where introducer arrangements might have an indirect effect.

How lenders and brokers set rates

Rates are determined by a combination of factors:

• Borrower profile: company accounts, turnover, profitability and credit history.
• Asset details: type (plant, vehicle, machinery), age, condition and residual value.
• Loan structure: term, deposit, loan-to-value and presence of a balloon/residual payment.
• Security and guarantees: whether the asset is sufficient security or additional guarantees are needed.
• Market conditions and lender policy: supply, funding costs and internal appetite for a sector.

Why introducer fees should not typically change your rate

Most lenders set headline rates independently of introducer payments. Common reasons introducer fees don’t increase customer pricing:

• Lenders often budget introducer/marketing costs separately and pay commissions from their own revenue margin.
• Brokers compete on price and service; they commonly use commission to cover their operating costs, not to inflate rates.
• Where a broker negotiates on your behalf it can reduce the effective price you pay by finding more competitive options.

When an introducer or broker arrangement might indirectly affect price

There are occasional scenarios to watch for:

• If a broker charges you a visible adviser fee (separate from any lender-paid commission) this will increase your total cost — this should be clearly disclosed.
• If a lender reduces commission for lower-margin deals, some brokers may prioritise higher-commission products — so always ask for multiple quotes.
• Unvetted providers could structure fees in ways that increase APR. Use providers with transparent fee schedules.

Bottom line: ask for a full breakdown of the interest rate, arrangement fees and APR. A transparent lender or broker will show you: interest rate, any arrangement or admin fees, broker fees (if charged to you) and the total cost over the term.

How lender fees, broker fees and commissions differ

Understanding the difference helps you compare quotes:

• Lender fees: arrangement fees, valuation or documentation charges the lender may add. These are usually disclosed on the offer and factored into APR.
• Broker commission: often paid by the lender to a broker for arranging business. This is typically not paid by you directly.
• Broker/client fees: some brokers charge a fee to the business for their service — this must be disclosed up front and added to the total cost to compare fairly.

Remember: APR (Annual Percentage Rate) is the best way to compare total borrowing costs because it includes interest and most fees.

Questions to ask any provider: “Show me the interest rate, all fees, who pays the broker commission, and the APR.”

What you should expect when you submit an enquiry

After you complete the short enquiry form:

1. We match your details to specialist lenders/brokers and send them your enquiry.
2. One or more providers will contact you (usually within hours during business days) to discuss options and request documents.
3. If you like an offer you can choose to proceed with that lender/broker directly — further checks and a formal application will follow.

Privacy & consent: By submitting you consent to us sharing your details with selected lenders/brokers so they can respond. The enquiry is not a credit application — initial contact will not affect your credit score. Lenders may perform soft or hard credit checks later; they will confirm this with you first.

How to protect yourself & get the best rate

• Provide accurate financial information — honesty improves matching and pricing.
• Ask for at least two or three competing quotes to compare APRs and fees.
• Request a full written cost schedule: interest, arrangement fees, broker fees and APR.
• Negotiate deposit, loan-to-value or term — small changes can materially affect rates.
• Check provider credentials and reviews; ask what happens to your data if you don’t proceed.

Using UK Business Loans speeds this process by delivering multiple specialist quotes quickly — increasing your chance of a competitive rate.

Why use UK Business Loans for asset finance

We save you time and increase your chances of finding the right partner. Benefits:

• Fast matching to sector specialists (construction, transport, sustainability etc.).
• Free, no-obligation eligibility check — you only proceed if you’re happy with the quotes.
• We help you compare multiple options quickly so you can pick the best rate and terms.

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Clear disclosure

Important disclosure: UK Business Loans is an introducer — we do not lend money or provide regulated financial advice. We may receive a fee from the brokers or lenders we introduce you to when you complete an enquiry or proceed with an application. This fee does not normally change the interest rate a lender quotes you; lenders set pricing based on your business and the asset. Using our service is free and carries no obligation. The enquiry form is for matching purposes only.

Frequently asked questions

How is UK Business Loans paid for asset finance referrals?

We usually receive a referral or success fee from the lender or broker when an enquiry converts or a deal completes. This funds our matching service.

Will your introducer fee increase my rate?

In most cases no — lenders set rates by risk, asset and loan terms. Ask for a full APR and fee breakdown to be certain.

Do I pay UK Business Loans to use the service?

No — our service is free to businesses. Any broker fees charged directly to you will be disclosed by the broker.

Will submitting an enquiry affect my credit score?

No. The enquiry itself does not do a credit search. Lenders may request soft or hard credit checks later, with your consent.

How quickly will I get quotes?

Often within hours. Response times vary by provider and time of day, but most matches respond fast.

What amounts do you help with?

We help businesses seeking asset finance from around £10,000 and upwards.

Where can I read more about asset finance options?

Find more on asset finance, examples and sector uses on our asset finance page: asset finance.

Get started — free eligibility check

Ready to see what asset finance options you can get? Complete our short enquiry and we’ll match you to the best lenders and brokers for your business. No obligation — quick responses.

Get Quote Now • No obligation. Takes 2 minutes.