Quick answer — Free & no obligation

Yes. Submitting an asset finance enquiry through UK Business Loans is free and does not commit you to accept any offers. The enquiry is an information request that allows us to match your business with lenders and brokers who specialise in asset finance. You remain in control: you decide whether to receive further quotes, give consent to credit checks, or to accept any offer.

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How our free, no‑obligation asset finance enquiry works

We keep the process simple so busy business owners get answers fast. Typical steps are:

1. Complete a short enquiry form (2 minutes) — tell us about your limited company, the amount you need (we typically handle enquiries from around £10,000 upwards), the type of asset (vehicles, plant, machinery, renewable equipment), and a contact phone/email.
2. We match you — our system connects your enquiry to the most relevant lenders or brokers in our panel who specialise in your asset type and sector.
3. Partner contact — brokers or lenders will contact you if they can assist. They provide quotes, ask any follow-up questions and explain next steps.
4. You compare and decide — you receive offers and choose whether to proceed to a formal application. There’s no obligation to accept anything.

Initial matches and eligibility checks do not require a full application. If a lender needs to run a credit search as part of progressing an offer, they will ask your explicit permission first and explain whether that search is a soft or hard credit check.

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Why is the service free?

UK Business Loans is an introducer: we connect businesses with finance providers. Our service is offered at no cost to the business because our partner lenders and brokers compensate us when a valid enquiry leads to engagement. That commercial model means you can use our service without paying fees to UK Business Loans for the introduction or matching process.

Because we only introduce you to potential providers, your enquiry is treated as an information request. There is no automatic enrollment into a loan and no obligation to proceed simply because you contacted us.

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What you get from a free asset finance enquiry

• Fast, tailored quotes: get matched with specialists who know your sector and asset type.
• Save time: one short form replaces multiple phone calls and applications.
• Compare options: view different finance structures (hire purchase, lease, sale & leaseback) and choose what fits cashflow and tax needs.
• Confidential eligibility check: understand likely terms before committing to a formal application.
• Support for specialist assets: construction plant, vehicle fleets, manufacturing equipment, solar arrays and EV chargers.

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Will an enquiry affect my business credit score? Am I tied in if I submit a form?

Credit checks

The initial enquiry and matching process with UK Business Loans does not involve a hard credit search, so it won’t affect your business credit score. When a partner lender or broker suggests progressing to a formal application, they may perform:

• Soft search — used to give indicative pricing or likelihood of approval; typically visible only to the business and does not affect credit scores.
• Hard search — used for formal credit decisions; this can be visible on credit reports and may have an impact. Partners will always ask for your consent before a hard search.

No obligation

Filling in the enquiry form is not an application and does not bind you to any finance. You are under no obligation to accept any quote, and you can decline contact from any matched provider at any time.

Privacy & data sharing

Your details are shared only with appropriate, approved partners who can assist with your request. We use secure systems and explain how your information will be used on the enquiry microcopy and our privacy policy.

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Types of asset finance we can match you with

Our panel includes lenders and brokers offering a range of asset finance products. Common options include:

• Hire Purchase (HP) — ownership typically transfers to you after the final payment; useful when you want to own the asset.
• Finance Lease — long-term lease with potential tax advantages; a good option for specialist equipment.
• Operating Lease / Contract Hire — off-balance-sheet leasing for vehicles and fleets where you return the asset at term end.
• Sale & Leaseback — free up capital tied in existing assets by selling them and leasing them back.
• Asset refinance — refinance existing equipment to improve cashflow or consolidate borrowing.
• Vendor & manufacturer finance — finance offered by equipment suppliers, sometimes with preferential terms.

To explore specific options, complete a short enquiry and we’ll match you to the most appropriate specialist.

For more detail on financing plant, vehicles and machinery see our dedicated asset finance resource: asset finance.

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Real examples — how an enquiry helps

These brief, anonymised examples show the value of a no‑obligation enquiry:

• Construction contractor: needed an excavator. Enquiry returned three competitive HP and lease options; contractor chose the option with best monthly cashflow.
• Logistics company: upgrading a van fleet. Matched to a specialist vehicle finance broker who secured a contract hire package including maintenance.
• Renewables installer: wanted to purchase EV chargers and solar panels. Enquiry connected them to a lender experienced in sustainability asset finance with favourable terms.

Each business made an informed choice after comparing offers — none were obliged to accept a quote.

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Frequently asked questions

Is a UK Business Loans enquiry free and without obligation to proceed?

Yes. Submitting an enquiry is free and does not commit you to any finance agreement. It’s an information request so we can match you with relevant lenders or brokers.

How quickly will I hear back after submitting an enquiry?

Many matches generate contact within hours during business days. Response times vary by lender/broker workload and the complexity of the request.

What information do I need to complete the form?

Basic company details, the approximate finance amount (from ~£10,000), the asset type, and a contact phone/email. More detailed documents may be requested later by a lender when progressing an application.

Will you share my data widely?

No. We only share your details with selected partners who are likely to be able to help. You’ll be told who will contact you, and you can opt out at any time.

Do you guarantee approval?

No. Matching increases the chance of finding a suitable provider, but approval depends on lender criteria and underwriting. We provide introductions and choices, not guarantees.

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Ready to check your eligibility for asset finance?

It takes just a couple of minutes to complete our secure enquiry form. There’s no cost and no obligation — simply tell us what you need and we’ll match you to lenders or brokers who can provide fast, relevant quotes.

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Legal & small print

UK Business Loans acts as an introducer and does not provide funds directly. Completing an enquiry does not create a contract and does not commit you to pay fees. Lenders or brokers contacted may request further documentation and consent before running any hard credit search. For complete details see our Privacy Policy and Terms & Conditions.