Disclaimer

Not regulated, not advice

BestBusinessLoans is an editorial review site published by Best Business Loans Ltd (Companies House 16833937). We are not authorised or regulated by the Financial Conduct Authority. Nothing on this site is regulated financial advice within the meaning of section 19 of the Financial Services and Markets Act 2000 or the FCA Handbook.

For most UK business loans aimed at limited companies, the loans themselves are not regulated activities (commercial lending to a body corporate is generally outside the FCA perimeter). For consumer credit products, sole-trader or partnership lending, or any product where the borrower is an unincorporated entity, regulated brokers and lenders apply. Always check the FCA Register at register.fca.org.uk before signing.

No application forms

We do not accept loan applications on this site. Where you see an "Apply" or "Get matched" link, you may either complete our /get-quotes/ form (which matches you to our UK lender panel) or leave BestBusinessLoans for a lender's own site. Their terms, privacy policies and regulatory status apply from that point.

We do not work with sole traders

BestBusinessLoans is editorial and our /get-quotes/ form is open to UK limited companies (Ltd), limited liability partnerships (LLP) and partnerships of four or more members. We do not take applications from sole traders or unincorporated businesses on this site. Sole traders should apply direct to the named lender (most UK MCA and asset-finance providers, and several term-loan fintechs, accept sole traders) or via a regulated consumer-credit broker.

The reason is partly regulatory (commercial lending to a body corporate is generally outside the FCA perimeter; consumer credit to sole traders sits inside it) and partly practical (the lender panel we work with is tuned to corporate borrowers). Our editorial reviews still cover sole-trader-friendly lenders for research value, but the application has to happen elsewhere.

Affiliate and commission disclosure

Some links on this site earn commission for Best Business Loans Ltd if a reader applies and a lender pays out. Commission relationships do not influence rankings, ratings or review verdicts. See how we are funded for the full breakdown.

Rates, eligibility and currency of information

Rates and eligibility move. Even with our refresh cadence, a lender may change a product after our last review. The "Last reviewed" date at the foot of every page tells you when we last verified the page. The headline rate band on a review is a guide; the actual rate offered to your business will depend on the lender's underwriting decision.

Third-party content

Where we cite third-party data (Companies House filings, FCA Register entries, Trustpilot reviews, lender websites) we link to the source. We are not responsible for the accuracy, availability or content of third-party sites we link to.

Get help

For independent advice on a specific borrowing decision, talk to your accountant, an FCA-authorised commercial finance broker, or the Business Debtline (businessdebtline.org) if you are concerned about taking on debt.