Business Loans UK — Are We a Direct Lender or an Introducer?

Short answer: UK Business Loans does not lend directly. We act as an introducer that connects UK limited companies and SMEs (loan needs from £10,000 upwards) with specialist brokers and lenders who can provide quotes and handle funding.

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Short answer

UK Business Loans is an introducer — not a direct lender. We provide a fast, no‑obligation way for UK businesses to be matched with lenders and brokers who can offer business loan solutions. You complete a short enquiry form and we pass your details to appropriate partners so they can contact you with quotes.

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What “introducer” means (and how it differs from lenders and brokers)

There are three roles in business finance: direct lenders, brokers and introducers. It helps to know the difference so you understand what happens after you submit an enquiry.

• Direct lender: provides the money, underwrites the loan and manages the contract with the borrower.
• Broker: advises and arranges finance on behalf of the business, often handling comparisons and application paperwork.
• Introducer (what we are): connects your business to lenders and brokers who may be able to help. We do not underwrite, provide funds, or give regulated financial advice — we share your enquiry with partners who then contact you to discuss options.

Example: a construction company needs plant finance. You tell us the loan amount, purpose and turnover band. We identify brokers or lenders experienced with construction finance and make an introduction — those specialists then provide quotes and next steps.

How UK Business Loans works — step by step

Our process is designed to be quick and straightforward so you get matched with the right experts without wasting time.

1. Complete a short enquiry form — takes around 2 minutes. We ask for basic business details, turnover band, loan amount required (from £10,000 upwards), and what the funds are for.
2. We match your enquiry — using your sector, loan purpose and size we select the best-fit lenders and brokers from our partner panel.
3. Partners contact you — lenders or brokers will get in touch (phone or email) to run a free eligibility check and provide quotes. This is where detailed terms and any credit checks are explained.
4. You decide — compare offers, ask questions, and proceed directly with the lender or broker you prefer. We don’t complete the loan for you — we connect you to those who do.

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Why using an introducer can help your business

Using an introducer like UK Business Loans saves time and broadens the options available to you.

• Access multiple providers quickly: instead of contacting individual lenders, you get matched to a panel who specialise in your sector.
• Sector-specific matching: we match construction, sustainability, hospitality and other sector needs with partners who know that market.
• No cost to your business: submitting an enquiry is free and non‑binding.
• Compare options: receive several quotes and choose the terms that suit you best.
• Simplicity: one short form can produce multiple relevant contacts and quotes — saving hours of research.

What we share, privacy & consent

When you submit an enquiry you are consenting to UK Business Loans sharing your information with selected finance partners who can help with your request.

• We only share the details necessary to match your enquiry (business name, contact, loan amount and purpose, turnover band).
• Your enquiry does not affect your credit score. Any lender or broker who wishes to perform a credit check will explain this and seek your permission before proceeding.
• All data is transmitted securely via HTTPS and handled in accordance with our privacy policy. By completing the form you agree to the sharing described on the form page.

Start — It won’t affect your credit score

How we make money — transparency

UK Business Loans is paid for introductions. When a business completes an enquiry and a partner receives a valid lead, we may be paid a referral fee by that lender or broker.

This fee is paid by the partner — it does not increase costs to your business via UK Business Loans. Any broker or lender you speak to will disclose their fees and charges before you agree to proceed.

Typical loan types & sectors we match for

We introduce businesses seeking loans and finance solutions across a wide range of sectors. Common loan types we help match:

• Construction business loans — contract funding, plant hire finance, materials and mobilisation (typical sizes from £10,000 upwards).
• Sustainability loans — finance for solar PV, EV chargers, heat pumps and energy efficiency projects.
• Asset finance — purchase or lease of machinery, vehicles and equipment.
• Invoice finance — unlock working capital tied up in unpaid invoices.
• Working capital loans — short or medium term finance to smooth cashflow.
• Fit-out and refurbishment finance — for hospitality, retail and offices.

For more detail on the broad category of business loans we introduce, view our dedicated page which outlines product types, typical uses and example amounts.

What to expect next: timeline & lender checks

After you submit an enquiry:

• Response time: many partners respond within a few hours; typical window is up to 48 hours depending on complexity.
• Eligibility checks: initial checks are often soft or non‑technical to give a quick indication of likely options.
• Documentation: lenders/brokers may request company accounts, ID and bank information as they progress an application.
• Credit checks: may be soft or hard — the partner will explain the type and whether you consent to it.

Tip: have recent management accounts, a summary of the finance purpose, and the director contact ready to speed up the process.

Frequently asked questions

Is UK Business Loans a lender?

No. We are an introducer that connects businesses to lenders and brokers who handle quotes, checks and funding.

Will submitting an enquiry affect my credit score?

No. The initial enquiry does not affect your credit. Any credit checks later will be made clear and require consent.

Do you provide financial advice?

No. We do not provide regulated financial advice. Our role is to match your need to suitable partners.

How quickly will someone contact me?

Often within a few hours; most businesses hear back inside 48 hours. Response speed depends on loan type and complexity.

How much does the service cost?

It’s free for businesses to submit an enquiry. Partners pay a fee for introductions when applicable.

What loan amounts do you handle?

We match enquiries for loans and finance from around £10,000 upwards.

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Trust signals & next steps

UK Business Loans operates a secure, GDPR-aware matching service that connects your business to experienced finance partners. We aim for clear communication, speed and useful comparisons so you can make an informed choice.

• Secure site (HTTPS)
• Clear privacy and data-sharing consent on the enquiry form
• Quick, no‑obligation matching for loans from £10,000+

Ready to compare options? Click below to submit a short enquiry and get matched with lenders and brokers who can help your business.

Start Your Enquiry — Free Eligibility Check

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Important: Submitting an enquiry is not an application and does not commit you to proceed. UK Business Loans introduces your enquiry to partners who will contact you directly to discuss terms, fees and any credit checks.

1. Are UK Business Loans a direct lender or an introducer for business loans UK?
No — UK Business Loans is an introducer that matches UK companies with specialist lenders and brokers rather than lending or underwriting funds itself.

2. Will submitting a free eligibility check or enquiry affect my credit score?
No — completing our short enquiry/free eligibility check does not affect your credit score; any lender or broker will only perform credit checks later with your consent.

3. How quickly will lenders or brokers contact me after I submit an enquiry?
Most partners contact businesses within a few hours, with typical response times up to 48 hours depending on loan type and complexity.

4. What loan amounts do you match businesses for through UK Business Loans?
We match enquiries for business loans and finance from around £10,000 up to multi‑million pound facilities, depending on lender capabilities.

5. What types of business finance can UK Business Loans help me find?
We introduce businesses to lenders and brokers for business loans, asset finance, invoice finance, working capital, sustainability loans, fit‑out finance and more.

6. Is it free to use UK Business Loans and how do you make money?
The service is free for businesses — we earn referral fees from our partner lenders or brokers when they receive a valid lead, not from you.

7. Are the lenders and brokers you work with regulated and reputable?
Yes — we partner with reputable, UK‑based brokers and lenders who operate under FCA guidelines and follow fair‑treatment standards.

8. Can start‑ups or businesses with bad credit get matched to finance options?
Yes — many of our partners specialise in start‑up funding and finance for businesses with imperfect credit, though options depend on individual circumstances.

9. What information should I have ready to speed up the matching and application process?
Have basic business details, turnover band, loan amount and purpose ready, and be prepared to provide recent management accounts, ID and bank info if a partner progresses your application.

10. Is submitting an enquiry the same as applying for a business loan?
No — submitting an enquiry is only to match you with suitable lenders/brokers; actual loan quotes, applications, terms and credit checks are handled directly by the partner you choose.