Refinance Loans — Are We a Lender or an Introducer? | UK Business Loans
Quick summary (TL;DR)
UK Business Loans is not a lender. We are a free introducer and matching service that helps UK limited companies seeking commercial refinance loans (typically £10,000+) find suitable lenders and brokers. Complete a short enquiry — it’s not an application, it won’t affect your credit score — and we’ll match you with lenders or brokers who can provide quotes. Ready to compare options? Get Quote Now — Free Eligibility Check.
Why this question matters for refinance
Refinancing business debt can save your company significant money, free up cash flow, remove restrictive covenants, or restructure security. But refinance is not one-size-fits-all: commercial mortgages, development refinance, asset-backed refinancing and sustainability loans have different costs, terms and documentation requirements.
Knowing whether the site you’re using is a lender or an introducer affects expectations: who assesses your case, who underwrites the deal, who performs credit checks, and when fees become payable. If you want multiple quotes fast without filling many long applications, a trusted introducer that can match you to specialists is often the fastest route.
Short answer: Is UK Business Loans a lender or an introducer?
UK Business Loans is an introducer/matching service. We do not lend money, underwrite loans, or complete loan agreements. Instead we collect a few details from your business and use our panel of lenders and brokers to find who can offer the most appropriate refinance options.
The enquiry is free and there is no obligation to proceed. When you submit your details, we share them with selected partners who may contact you with quotes — the lender or broker you choose will then manage the application, checks and completion directly.
How our free refinance matching service works
Our process is designed to be fast, secure and hassle-free. Here’s exactly what happens when you ask us to help with refinance:
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
Step 1: Complete a short enquiry form
Spend around 1–2 minutes telling us about your business and the refinance need. Typical fields: company name, trading years, turnover band, loan amount to refinance (we work with loans of £10,000 and up), current lender, security offered, industry sector and contact details.
Submitting the enquiry is not a loan application and does not affect your credit score. It simply gives our partners enough information to provide an initial quote or request further documents.
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.
Step 2: Matching to lenders and brokers
We use a combination of automated matching and manual review to identify partners likely to consider your case. Matching criteria include loan size, type of security, sector experience (for example construction or sustainability projects), and lending appetite. We prioritise partners with a proven track record in the relevant product area so you get useful, realistic quotes.
Step 3: Fast responses and quoting
Matched lenders or brokers normally contact you by phone or email within a few hours to 48 hours. They may ask for supporting documents and will explain whether they need a soft or full credit check — soft checks don’t affect your score; full checks usually occur later when a lender progresses an application.
Step 4: You choose and lenders close directly
Once you receive one or more quotes, you decide which provider to proceed with. The lender/broker you pick completes underwriting, due diligence and contract signing. UK Business Loans does not underwrite or close loans — we’re paid by partners for introductions where applicable.
Who we connect you with for refinance
We work with a broad panel to match companies with the right refinance product and provider. Typical partners include:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Commercial mortgage refinance — restructure property debt or refinance owner-occupied and investment properties to secure better rates or longer terms.
- Bridging finance — short-term refinance while longer-term funding is arranged or a sale completes.
- Asset-backed refinance — release equity or refinance plant, machinery, vehicles and other business assets.
- Debt consolidation / loan refinance — combine multiple facilities into a single, more manageable loan.
- Development & construction refinance — release funding from completed stages or refinance development facilities.
- Sustainability & green refinance — options to refinance into products for energy efficiency or renewable installations.
- Specialist lenders & brokers — alternative credit providers for unusual or complex cases.
For more detail on refinancing options, see our page on refinance loans.
Benefits of using UK Business Loans to refinance
- Free & no obligation: there’s no cost to submit an enquiry.
- Quick: our short form saves time and speeds up initial responses.
- Specialist matching: we connect you with lenders/brokers experienced in your sector and product type.
- Multiple quotes: compare options side‑by‑side before committing.
- Privacy & security: we use secure systems and only share details with approved partners.
- Works for a range of credit profiles: we can often find solutions where standard routes have failed.
What to expect after you submit
After your enquiry: typically you’ll hear from matched partners within hours to 48 hours. Initial conversations usually cover affordability, security and timescales. Lenders may request documents such as historic accounts, bank statements, current loan paperwork and proof of ownership.
Credit checks: initial matching does not involve a full credit search. Lenders/brokers may perform a soft search during assessment; full searches generally occur later and will be disclosed in advance. Any fees from lenders or brokers (arrangement, valuation, legal) must be confirmed by them before you agree.
Compliance, transparency & safety
We focus on clear, honest communications. We are an introducer and matching service; we do not provide regulated financial advice or make lending decisions. Our partners are selected for experience and reliability and must follow their own regulatory responsibilities when they engage with you.
Data protection: your details are transferred over secure channels and only shared with partners that we believe can help. You will be told who is contacting you and why. See our Privacy Policy for more on how we handle your information.
Important: UK Business Loans introduces businesses to third-party lenders and brokers. Using our service is free and does not constitute an application. Lenders/brokers you are introduced to may carry out credit checks and may charge fees; these will be disclosed by the provider before you accept any offer.
Real-world examples — two short case scenarios
Case 1: Construction developer refinancing to reduce monthly payments
A regional developer had a short-term facility on a project with high monthly interest. They completed our form and were matched with a broker experienced in development refinance. The broker sourced a longer-term commercial mortgage that lowered monthly costs and released some working capital to finish the project.
Case 2: SME refinancing into a sustainability loan
A manufacturing SME wanted to replace old plant with energy-efficient equipment. After matching, they received options from a lender offering a sustainability-refinance product with favourable rates and repayment terms aligned to projected energy savings, improving cash flow while supporting investment.
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.
Frequently asked questions
- Is UK Business Loans a lender?
- No. We introduce businesses to lenders and brokers; we don’t provide loans ourselves.
- Does it cost anything to use your service?
- No. Submitting an enquiry is free and no-obligation.
- Will my credit score be affected when I submit an enquiry?
- No. The initial enquiry does not affect your credit score. Lenders may run soft or full checks later if you proceed.
- How quickly will I get quotes?
- Often within hours to 48 hours, depending on the lender and complexity of the case.
- What if my business has poor credit?
- We can match you with specialist partners experienced in non-standard credit profiles, though terms will reflect risk.
- Are the lenders regulated?
- Our partner mix includes a range of lenders and brokers; check directly with the provider about their regulatory status and terms.
- Do you give financial advice?
- No. We are a matching service. If you need regulated advice, ask the broker or lender you’re introduced to for options or consult an independent adviser.
- What documents will I need to refinance?
- Typically: company accounts, management accounts, bank statements, existing loan agreements, security information and ID for directors.
Next steps — Get a free eligibility check
Ready to see what refinance options are available for your company? Complete our short enquiry and we’ll match you with lenders/brokers who can provide tailored quotes. It’s free, quick and no obligation.
1. Is UK Business Loans a lender or an introducer?
No — UK Business Loans is an introducer and matching service that connects UK businesses with brokers and lenders rather than providing finance itself.
2. Will submitting your free enquiry affect my credit score?
No — submitting our short, free enquiry does not affect your credit score, though matched lenders may carry out soft or full checks later if you progress.
3. Does it cost anything to use UK Business Loans?
No — our service is free and no‑obligation, and any fees (arrangement, valuation, legal) would be disclosed by the lender or broker you choose.
4. How quickly will I receive refinance quotes?
Matched lenders or brokers typically contact you within hours to 48 hours with initial quotes or requests for further documents.
5. What loan amounts can I refinance through your service?
We generally match companies seeking refinance from around £10,000 up to multi‑million commercial facilities depending on the lender.
6. Can businesses with poor credit get refinance through your network?
Yes — we work with specialist lenders and brokers who consider non‑standard or impaired credit profiles, although terms will reflect the increased risk.
7. What documents are usually required to refinance business debt?
Lenders commonly ask for company accounts, management accounts, bank statements, current loan paperwork, security information and ID for directors.
8. Are the lenders and brokers you introduce regulated?
Many partners in our network are FCA‑regulated, but you should confirm regulatory status and terms directly with any provider you are introduced to.
9. Can you help refinance into sustainability or green loans?
Yes — we can match businesses with lenders offering sustainability and green refinance products for energy efficiency and renewable projects.
10. What types of refinance products do you connect businesses with?
We connect companies to a range of refinance options including commercial mortgage refinance, bridging finance, asset‑backed refinance, development refinance, debt consolidation and specialist lender solutions.