Equipment finance for UK businesses — Are we an introducer or a lender?
Quick answer: UK Business Loans is an introducer for equipment finance — we do not lend directly. Complete a short, no‑obligation enquiry and we’ll match your business with specialist lenders and brokers for equipment finance quotes (typically for deals from £10,000 upwards).
Get Quote Now — Free Eligibility Check
- Free & no obligation
- Matches to specialist lenders & brokers
- Fast responses — often within hours
Is UK Business Loans an introducer or a lender for equipment finance?
Short summary: UK Business Loans is an introducer. We do not provide funding ourselves. Instead, we collect a few details from your business and pass those details to carefully selected finance brokers and lenders who specialise in equipment finance. You then receive direct quotes from those providers and choose the option that suits you — there’s no obligation to proceed.
What “introducer” means for your equipment finance
Being an introducer means we act as a bridge between your business and the finance market. We do three main things:
- Gather essential details about your business and the equipment you want to finance (the enquiry form is quick and not an application).
- Match those details to one or more specialist lenders or brokers in our network who can provide equipment finance for transactions from around £10,000 and up.
- Pass the lead on to the matched partner(s) so they can contact you with tailored quotes and next steps.
We do not underwrite or approve finance, we do not set interest rates or terms, and we do not complete credit assessments on your behalf. Those steps are completed directly by the lender or broker you choose to speak to after the introduction.
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
Important: Submitting an enquiry through UK Business Loans is not a finance application — it’s a way for us to match you to appropriate providers. Lenders or brokers may request further documentation and will run their own checks if you decide to proceed.
Common types of equipment finance and when businesses use them
Equipment finance covers many options depending on the asset, tax position and business needs. Typical products include:
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.
- Hire Purchase (HP) — you hire the equipment and own it after the final payment. Useful when you want ownership at the end of the term.
- Finance Lease — long term funding where the lender owns the asset; often used for higher-value machinery.
- Operating Lease — essentially renting equipment for a term with optional maintenance. Good for rapidly depreciating items or short-life equipment.
- Asset refinancing / refinancing — release capital tied up in existing equipment.
- Vendor / supplier finance — arrangements offered alongside a purchase by the supplier.
Benefits businesses seek from equipment finance include preserving cashflow, spreading cost over time, matching payments to asset life, and potential VAT or tax advantages depending on the structure. Terms typically vary by provider, asset type and credit profile.
Compare quotes now — Free Eligibility Check
For more detailed product information you can read specialist pages on equipment finance to help decide which option might suit you best.
How UK Business Loans matches your business to the right lender or broker
Our matching process is designed to save you time and increase the chance of a competitive quote:
- Quick enquiry form — provide basic business details, the value and type of equipment, and contact details (takes about 2 minutes).
- Smart match — we match your needs against lenders/brokers in our panel based on industry sector, asset type, required finance amount and trading history.
- Introductions — the matched partner(s) contact you directly to clarify details and provide quotes or start an application.
- Compare & decide — you compare offers and choose which provider to proceed with; we do not influence your final choice.
Turnaround: many enquiries result in contact within hours during business days. Complex requests (specialist machinery, very high value, or structured deals) may take longer.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Costs, eligibility and what to expect next
Using UK Business Loans is free for businesses. We earn revenue when businesses complete the enquiry and are connected to lenders/brokers, which is disclosed in our terms. Any fees, interest rates, or arrangement charges come from the lender or broker that ultimately provides the finance and will be shown in their quote.
Eligibility factors lenders will consider
- Company trading history and turnover
- Existing liabilities and credit profile
- Type, age and value of the equipment
- Purpose of the finance and business sector
Credit searches — soft vs hard
The initial enquiry you submit through us is a lead only and does not perform a credit check. Matched lenders or brokers may perform a soft search at early stages (which does not affect credit files) and will only perform a hard credit check with your permission—normally later in the process when you submit a formal application.
To speed up assessments, have copies of recent accounts, VAT returns (if applicable), supplier quotes and ID readily available when speaking to lenders.
Regulatory & advertising information
We make clear, honest introductions to lenders and brokers for equipment finance. We do not provide credit ourselves. When you proceed with a provider, they will give full details of terms, costs and any eligibility checks required.
We aim to keep promotional content fair and not misleading. You should always review the provider’s full terms and ask any questions about fees, the nature of searches and the exact repayment profile before accepting an offer.
Frequently asked questions
Are you a lender for equipment finance?
No. UK Business Loans introduces your business to lenders and brokers who provide equipment finance. We do not lend money or underwrite finance offers.
Will submitting an enquiry affect my credit score?
No — submitting an enquiry is a lead only and will not affect your credit file. Lenders may perform soft or hard checks later with your permission.
How much equipment finance can I get?
Our partner lenders and brokers typically handle equipment finance from roughly £10,000 upwards. Exact limits depend on the provider and the asset.
Do you charge for introductions?
Our introduction service is free for businesses. Lenders or brokers may charge arrangement fees or interest; those costs will be disclosed by them in any quote.
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.
How quickly will I hear back?
Many enquiries receive contact within hours during business hours; complex or specialist deals can take longer.
What information will lenders need?
Commonly: company registration, trading history, turnover, recent accounts, supplier quote/invoice for the equipment and director ID. A broker will tell you exactly what’s required.
Why use an introducer for equipment finance?
Using an introducer like UK Business Loans saves time and improves access to the right market. Instead of contacting many lenders individually, you complete one short enquiry and get matched to specialists who understand your sector and asset type. This increases the chances of a suitable quote and can speed the decision process.
We partner with brokers who can access niche funders as well as mainstream lenders — that breadth can be especially valuable for unusual equipment or specific industry needs.
Ready to get equipment finance quotes?
If you’d like multiple, no‑obligation quotes from lenders and brokers who specialise in business equipment funding, start with a short enquiry. It’s free, not an application, and usually only takes a couple of minutes. After you submit, matched partners will be in touch to discuss options and provide quotes.
Legal & compliance notice
UK Business Loans acts as an introducer and is not a lender or financial adviser. Our service is free for businesses. When you proceed with a matched lender or broker they will provide full terms and may carry out affordability and credit checks. Read our Privacy Policy and Terms of Use for more information.
Learn more about equipment finance options on our detailed equipment finance page: equipment finance.
1. Are you a lender for equipment finance? — No; UK Business Loans is an introducer that matches your business with specialist equipment finance lenders and brokers and does not lend directly.
2. Will submitting an enquiry affect my credit score? — No; submitting an enquiry is a lead-only request that won’t affect your credit file, although matched lenders may carry out soft or hard checks later with your permission.
3. How much equipment finance can I get through UK Business Loans? — Partner lenders and brokers typically handle equipment finance from around £10,000 upwards, with exact amounts depending on the provider and the asset.
4. What types of equipment finance are available? — Common products include Hire Purchase, Finance Lease, Operating Lease, vendor/supplier finance and asset refinancing, with the right option depending on asset type, tax position and business needs.
5. Does it cost anything to use UK Business Loans? — No; our introduction service is free for businesses, though lenders or brokers may charge arrangement fees, interest or other costs which they will disclose in their quotes.
6. How quickly will I hear back after submitting an enquiry? — Many enquiries receive contact within hours during business days, while specialist or complex deals can take longer.
7. What documents and information will lenders typically require? — Lenders commonly ask for company registration details, trading history, turnover, recent accounts, supplier quotes/invoices for the equipment and director ID.
8. Can start-ups or businesses with poor credit apply for equipment finance via your service? — Yes; we work with lenders and brokers who specialise in start-ups and businesses with imperfect credit histories, though eligibility and terms vary by provider.
9. Are the brokers and lenders you introduce regulated? — Yes; we only work with reputable, FCA-regulated brokers and lenders who provide full terms, fees and carry out required affordability and credit checks.
10. Is the enquiry form a formal finance application? — No; the short enquiry form is solely for matching you to suitable lenders or brokers and is not a formal finance application.