Clear answers before the first conversation.

Commercial finance refers to funding solutions arranged specifically for corporate entities — such as commercial business loans, working capital facilities, and asset finance — to support growth, equipment purchase, or operations. Unlike consumer credit, commercial lending is underwritten against company trading performance and cash flow.

Our introduction service is designed specifically for UK-registered limited companies seeking commercial finance wholly for trading purposes. We do not provide finance or introductions for consumers, sole traders, or partnerships. See our introducer disclosure and regulatory information.

A commercial finance introducer connects businesses with third-party finance providers. BusinessLending.uk reviews your funding requirement and, where appropriate, facilitates an introduction to lenders whose criteria match your circumstances. We do not lend money or make underwriting decisions ourselves. Learn how the introduction process works.

No. BusinessLending.uk is an introducer, not a lender. All credit assessments, rates, and lending terms are determined independently by the third-party finance provider. See our terms of service and regulatory details.

If we review your enquiry and do not consider it appropriate to make an introduction — because the requirement falls outside provider appetite or the business does not meet the criteria we are aware of — we will tell you clearly. We do not pass enquiries to providers speculatively. You can explore our finance solutions hub to see criteria across all categories.

There is no charge for submitting an enquiry. Our fee and commission arrangements are confirmed in writing before any introduction is made and before any information is passed to a provider under our introducer disclosure. There is no obligation to proceed at any stage.

The initial review is completed promptly, typically within 24 business hours. Unsecured lending and invoice finance can fund within 2 to 5 days, while commercial mortgages involving valuations take longer. Review real timeline examples in our case studies.

No. BusinessLending.uk is strictly a commercial finance introducer, not a lender. All credit assessments, facility limits, pricing, and security terms are determined independently by relevant third-party finance providers under our regulatory disclosure.

Yes. Having your latest statutory accounts, management accounts, and recent bank statements ready ensures a much faster introduction. You can consult our commercial loan preparation guide or submit an enquiry directly.

Working capital finance (such as a revolving credit line or invoice finance facility) is shorter-term and tied directly to the trading cycle. A fixed-term business loan provides a lump sum for a defined one-off investment over a longer repayment period. Review our working capital vs overdraft guide.

A revolving credit facility is one structure used for working capital. It allows a business to draw down, repay, and redraw funds up to an agreed credit limit — paying interest only on the capital currently in use. See our practical business finance case studies.

Cash flow finance specifically bridges timing gaps between supplier outflows and customer payments. Working capital finance is a broader category encompassing revolving facilities, invoice factoring, and short-term debt.

Lenders evaluate property type, physical condition, valuation, loan-to-value (LTV), borrower experience, debt serviceability, and exit viability. Explore our commercial mortgages and bridging loan facilities.

An exit strategy is the verified mechanism by which the short-term loan will be repaid in full — commonly a property sale or refinancing onto a long-term commercial mortgage. Read our detailed bridging finance guide.

GDV stands for Gross Development Value — the estimated open-market value of the development once completed. Lenders benchmark maximum debt capacity against both GDV and total project cost. Read our property development finance guide.

Asset & equipment finance is commonly used for commercial vehicles, engineering machinery, manufacturing plant, technology, and specialist equipment. Read our hire purchase and leasing guide.

Advance rates depend on debtor credit quality, typically releasing 70% to 90% of eligible invoice value within 24 hours. Explore our invoice finance solutions or submit an enquiry.