Business Loan Brokers
Business loan brokers – helping you get the best rates and terms
One application. A panel of specialist lenders. The right funding for your business, found for you. We do the searching, comparing and chasing, so you can get on with running your business.
WHAT'S INCLUDED
£50,000 – £500,000
Loan amount
6 – 60 months
Repayment term
One application
Multiple lender options
No broker fee
You don't pay us a penny
Won’t affect your credit score
- No broker fee for you
- Soft credit search only
- Funds in as little as 48 hours
- Human decisions, not just algorithms
£500k
Best suited for
Businesses that need a loan but don’t have the time to compare hundreds of lenders – we do the hard work for you.
Are there any fees to use the Acceptance service?
No. We don’t charge for our service, and when you apply, we only do a soft credit search ourselves, which leaves no trace on your credit history.
How is Acceptance paid?
We don’t charge you a fee. We may receive a commission from the lender when a loan completes. It isn’t charged to you and doesn’t affect the total cost of your loan.
What is a business loan broker?
A business loan broker connects businesses with lenders. Normally you would research dozens of banks and alternative lenders and fill in a separate application for each. With a broker, you fill in one application. The broker works out what you need and introduces you to the lenders most likely to say yes on good terms.
Lending criteria vary enormously. One lender may want three years of accounts, while another is happy with 12 months of trading. One specialises in construction, another in healthcare or hospitality. A good broker knows those differences, so your application goes to the right place first time instead of collecting rejections along the way.
Acceptance is a credit broker, not a lender. We work with a panel of trusted partner lenders across UK business finance. They cover unsecured loans, asset finance, credit lines and tax funding. Our job is to find the best fit for your business and guide you through to funding.
How Acceptance works as your broker
We get to know your business
Tell us how much you need, what it’s for and a few details about your trading. It’s one short form.
We match you to the right lenders
We review your application and send it to partner lenders whose criteria suit your sector, size and circumstances.
You compare real offers
We set out each option clearly, with rates, terms and repayments explained, so you can choose with confidence.
We stay with you until you’re funded
We handle the back-and-forth with the lender and keep things moving until the money is in your account.
Why use a broker instead of going direct to a lender?
Going direct suits some businesses. For most, a broker means more choice, less admin and a better chance of approval. Here’s an honest comparison.
- Advantages
- One application reaches many lenders, so you don’t repeat your details to bank after bank
- Access to lenders you won’t find on your own, including specialist and alternative lenders
- Expert guidance on which type of finance suits your goal
- We chase the lender and handle the paperwork, saving you time
- A second route if your bank says no
- No fee to you
- Disadvantages
- We can only search lenders on our partner panel, not every lender in the market
- If you already have a strong relationship with one lender, going direct may be just as good
- The lender makes the final decision and sets the rate, not the broker
- Your details are shared with partner lenders so they can assess your application
- You’ll still need the usual documents and at least 12 months’ trading history
The process
How do I get a business loan through a broker?
Simple, fast, and designed to cause as little disruption to your day as possible.
Apply in minutes
A quick online form. Tell us about your business and how much you need.
Soft credit check
We check your eligibility without leaving a mark on your credit file.
Compare your offers
A real person goes through your options with you, often within 24 hours.
Money in your account
Accept the offer that suits you and sign with the lender, and the funds are on their way.
Costs
How much will a business loan cost through a broker?
Your rate is personalised and confirmed before you commit. Based on our representative APR of 18.9%, here are some illustrative examples:
| Loan amount | Acceptance | Monthly Repayments | Total repayable |
|---|---|---|---|
| £50,000 | 24 months | £2,510 | £60,240 |
| £100,000 | 36 months | £3,640 | £131,040 |
| £200,000 | 48 months | £5,820 | £279,360 |
| £350,000 | 60 months | £9,030 | £541,800 |
| £500,000 | 60 months | £12,920 | £775,200 |
18.9%
Is there a broker fee?
No. We don’t charge you anything. Any commission we receive is paid by the lender and doesn’t affect the total cost of your loan.
Can I repay early?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
Work out your loan
What will my business loan repayments be?
Get an instant estimate based on the amount and term. No credit impact.
- Finance £50,000 to £500,000
- Terms from 6 to 60 months
- No early repayment penalties
Your loan estimate
Illustrative only. No impact on your credit score.
Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator
Features
What do you get with Acceptance as your broker?
We keep it simple. No mountains of paperwork, just the basics.
A panel of lenders
Banks, specialist lenders and alternative lenders, all reached through one application.
6 to 60 month terms
Pick a term that matches your cash flow — short or long.
Borrow £50k – £500k
Choose the exact amount your business needs.
Clear, comparable offers
Rates, repayments and total cost set out side by side.
No fee to you
Our service is free for your business, and we always disclose our commission.
Human decisions
A real person reviews every application — not just an algorithm.
Eligibility
What do I need to apply for a loan through a broker?
Company registration number
We'll use your company registration number to verify your business with Companies House.
3–6 months of bank statements
Your recent bank statements help us understand your trading performance and make a fair decision quickly.
Annual turnover
We need to see that your business generates at least £50,000 per year in revenue.
Time trading
Most applications require at least 12 months of trading history, if you're newer, get in touch and we may still be able to help.
Your contact details
We'll need your name, email address, phone number, and your role within the business.
What we offer
Who can use a business loan broker?
Our partner lenders fund businesses across all sectors. If you meet the basics below, there’s a strong chance we can help.
Based in the UK
Your business must be registered and actively trading in the United Kingdom.
Trading 12+ months
We need to see at least 12 months of trading history to assess your business’s affordability.
£50,000+ annual turnover
Your business must generate a minimum of £50,000 per year in revenue to service the loan comfortably.
Director, owner, or partner
The application must be made by someone with the legal authority to take on debt on behalf of the business.
Not currently insolvent
Your business must not be in administration, liquidation, or have an outstanding unpaid County Court Judgement (CCJ).
We welcome applications from limited companies, sole traders, partnerships, and LLPs — including businesses with an imperfect credit history.
Put it to work
What can you do with funding found by Acceptance?
Whatever your goal, there’s a lender for it. Here’s what our customers use their funding for.
- Hire more staff
- Open a new location
- Buy stock or inventory
- Launch a campaign
- Stabilise cash flow
- Upgrade equipment
- Expand or renovate
- Consolidate debt
Common questions about business loan brokers
What does a business loan broker do?
A business loan broker sits between your business and a range of lenders. You complete one application instead of applying to lenders one by one. The broker matches you with lenders whose criteria fit your business, then helps you compare offers and secure the best one available.
Do I pay Acceptance a fee to use your broker service?
No. Acceptance does not charge you a broker fee. We may receive a commission from the lender when a loan completes. The amount can vary by lender, product and terms, but it isn’t charged to you and doesn’t affect the total cost of your loan.
Is it better to use a broker or go direct to a lender?
Going direct can work if you already know exactly which lender suits you. A broker is usually faster and gives you more choice. One application reaches several lenders, you avoid applying to lenders likely to decline you, and you can compare offers side by side before deciding.
Will using a broker affect my credit score?
Checking your eligibility won’t affect your credit score. Acceptance doesn’t carry out credit checks itself. Our partner lenders may run a soft search at first, which leaves no footprint, and a hard search only happens if you choose to accept an offer.
How quickly will I receive the funds?
Most applicants get a decision within 24 hours, with funds released in as little as 48 hours. Having your company registration number and recent bank statements ready helps speed things up.
Who makes the final lending decision?
The lender. As your broker, we prepare and present your application and help you choose between offers. The lender sets the rate and terms and approves the loan.
Can a broker help if my bank has declined me?
Often, yes. High-street banks tend to have narrow criteria. Our panel includes specialist and alternative lenders who assess applications differently, including for businesses with an imperfect credit history.
Explore more
Other ways Acceptance can fund your business
Loan for Tax Bills
Borrow to avoid HMRC late payments on corporation, PAYE or any other tax bill.
Asset finance
Fund vehicles, machinery, equipment and technology without the upfront cost.