UK commercial finance broker
Business funding, sorted this week. Not next month.
Compare real offers from UK lenders in about 60 seconds. Free, no obligation, and checking won’t touch your credit score.
- No credit hitCompare freely
- A named advisorCalls within the hour
- One 60-second formSeven finance products
- A UK business: limited company, LLP, partnership or sole trader
- Photo ID (passport or driving licence) for each director, partner or owner
- Bad credit considered
Build your match
No credit checkThree choices now, then one advisor call.
Takes about 60 seconds.
- Finance products
- 7
- From working capital to a commercial mortgage.
- Lenders on the panel
- 2
- Unsecured loans, lines of credit and cash flow finance for UK businesses.
- Callback
- 1hour
- A named advisor calls within one business hour.
- Cost to compare
- £0
- The lender pays us when your loan completes. You never do.
- No credit check to compare
- Free, the lender pays us when your loan completes
- A named advisor calls within one business hour
- 7 finance products
- From £1,000
- Commission disclosed before you sign
- UK-wide, apply online in 60 seconds
- No obligation to take anything
- Checking won’t affect your credit score
- Free to compare, the lender pays us when your loan completes
- A named advisor calls you, not a call centre
Over 11,000 UK businesses helped
Watch
Prefer to watch? It runs 1 minute 21.
Our own video, hosted on Vimeo. The still is served from this site, so nothing is requested from Vimeo until you press play.
The written version
In build
The whole thing, in about sixty seconds.
A design preview of the app we are building, not a product you can download yet. Scroll to play it through. Figures shown are illustrative, not quotes.
Pick what you are funding
Seven finance types, one form.
Set the amount and term
Repayments update as you move it.
Find your business
Type a name or company number and Companies House fills in the rest.
We check the panel
Every lender, against your numbers.
Compare, then connect
Indicative costs side by side. No credit enquiry until you choose.
A design preview of the app we are building. Keep scrolling to play it through. Figures are illustrative, not quotes.
In build
And this is what it actually looks like.
A design preview of the app we are building, not a product you can log into yet. Every figure on these screens is illustrative.
- See where the application isSix steps, and you always know which one you are on and what is holding it up.
- Upload onceDocuments live in one place with their status against them, so nobody asks twice.
- Your cash flow, as a lender reads itThe same view of your account an assessor gets, before they get it.
Design preview. Figures illustrative.
What we compare
7 ways to fund it. One 60-second form.
Pick the one that matches the job. If you are not sure, an advisor will tell you which is cheapest for what you are doing.
No property security
Unsecured Business Loans
Borrow a lump sum against how your business trades, not against your house. Comparing is free and it does not mark your credit file.
- Amount
- £1,000 to £1,000,000
- Term
- Up to 60 months
- Funding
- Once your documents are in, the lender sets the pace.
Draw only what you need
Business Line of Credit
A pre-approved limit you draw from when you need it. You pay interest on what you have drawn, not on the limit sitting there.
- Amount
- £2,000 to £25,000 limit
- Term
- Ongoing facility, reviewed periodically
- Funding
- Setting the limit up takes the longest. After that, drawdowns are quick.
The asset is the security
Asset Finance
Fund the machine, the plant or the fit-out using the asset itself as security. Usually lower rates and longer terms than unsecured lending.
- Amount
- £10,000 to £2,000,000
- Term
- 12 to 60 months
- Funding
- Moves from a supplier invoice; private sales and imports take longer.
Vans, trucks, HGVs and fleets
Vehicle Finance
Finance a works van, a tipper, an HGV or a whole fleet, with the vehicle itself as the security.
- Amount
- £10,000 to £500,000
- Term
- 12 to 60 months
- Funding
- Dealer sales are quickest; private sales take longer while the seller is verified.
Buy, refinance, bridge or release equity
Commercial Mortgages
Finance to buy the premises you trade from, refinance an existing commercial mortgage, bridge a purchase, or release equity from property you already own.
- Amount
- £150,000 to £5,000,000
- Term
- 5 to 25 years for a commercial mortgage, or months rather than years for bridging finance
- Funding
- Weeks, not days, for a commercial mortgage: the valuation and the legal work set the pace. Bridging finance is built to move faster.
Fewer documents, honest trade-off
Low-Doc Business Loans
Funding assessed mainly on your bank data and trading history rather than full filed accounts. It usually costs more. Here is how to weigh it, and how to move off it.
- Amount
- Within our £1,000 to £1,000,000 unsecured range
- Term
- Up to 60 months
- Funding
- Often faster than a full-documentation loan, precisely because there is less to check.
Pay HMRC, keep trading
HMRC Tax Bill Loans
Pay HMRC in full and repay a lender over a term that suits your cash flow. Worth comparing against HMRC's own Time to Pay arrangement first.
- Amount
- Within our £1,000 to £1,000,000 unsecured range
- Term
- Up to 60 months
- Funding
- Usually a little longer than a standard unsecured loan, because fewer lenders fund tax bills and some will want to see your HMRC position.
How it works
Three steps, and a person at the end of each one.
From the form to a decision you can act on, inside a single business day.
Nothing on this page runs a credit check. The only enquiry ever recorded is the one you approve, with the lender you picked.
The long version- About 60 seconds
Tell us what you need
Product, amount, term and your business details. No documents at this stage, and no credit file is pulled to compare.
- Within one business hour
An advisor calls you
A named person, not a call centre queue. They take your file to the lenders on the panel who fund your industry and your turnover.
- Same business day
You choose, or you walk
You get the options that fit and what each one costs. No lender runs a credit check until you say go.
Repayment estimator
See the repayment before you speak to anyone.
The estimator returns a range, not one number you will be held to. Your actual rate depends on the lender, your turnover and your credit file.
Our panel prices business finance between 6% and 20% p.a.
Business loan repayment calculator
- Weekly, fortnightly and monthly repayments
- Terms from 6 to 60 months
- A low and a high figure on every result
Open the calculator
The people
The ten people who actually answer.
A named advisor owns your file from the first call through to completion. Not a queue, and not a different person every time you ring.
Alex Moreau
Head of Commercial Lending
Takes the files that fall outside a template and finds the lender who will still look.
Steph Callaghan
Senior Finance Advisor
Working capital for seasonal businesses with lumpy cash flow.
Tom Bellamy
Equipment & Asset Finance
Plant, workshop fit-outs and paying the supplier direct.
Nerida Walsh
Commercial Mortgages
Commercial mortgages for owner-occupiers and investors, plus bridging.
Joel Abbatangelo
Vehicle & Fleet Finance
One van through to a fleet refinance for trades and haulage operators.
Hana Prentice
Low-Doc Lending
Applications built from bank statements when the accounts are not filed yet.
Cormac Ferreira
HMRC Tax Bill Finance
Lenders comfortable funding a VAT, PAYE or corporation tax bill.
Bridie Vanstone
Line of Credit & Overdrafts
Revolving limits for businesses that need headroom rather than a lump sum.
Sean Kelleher
Unsecured Lending
Straightforward funding where nothing is being offered as security.
Marika Delaney
Completions & Client Care
Keeps the file moving between approval and money in the account.
Between them they sit across all seven finance types. You get the one whose desk your deal belongs on, and their direct line, not a general enquiries queue.
Who we fund
Sparkies, florists, printers, couriers, gyms and kitchens.
Not one of them walked into a branch. They needed a van, a second oven, a bigger printer or eight weeks of breathing room while a customer paid an invoice, and they needed to know what it cost before they committed to anything.
That is the whole job. Seven finance types, one form, and a named advisor who rings you back to say which of them actually fits and which do not.
Photography is illustrative. We do not put customers’ faces on this site without asking them first.
Out on the job
Bizbot works with every kind of business.
Cafes, trades, salons, workshops and everything in between. Whatever you do, the panel has lenders who fund it.
Cafes
Barbers
Restaurants
Why us
Three reasons to send it to us instead.
We publish what each product gets wrong
All 7 product pages carry a plain 'not right if' list. The equipment finance page tells you to stop reading and buy the asset on an unsecured loan only if you must.
Equipment financeA named advisor calls within one business hour
Not a chatbot and not a queue. The person who takes your file is the one who rings you back, and you can reach them direct.
How it worksThe lender pays us, and we show you the maths
You are never charged a fee for comparing or applying. Commission is paid by the lender when the loan completes and disclosed in full before you sign anything.
How we are paid
Proof
Proof, not adjectives.
Named businesses, in their own words.
Over 11,000 UK businesses helped
“Russel needed an injection of cash to pay his employees while he was waiting to be paid. We were able to have the funds in his account 48 hours after he first applied.”
“Max needed funds to renovate his restaurant in Nottingham. He didn't want to put his property on the line to secure a loan with the bank. We were able to get him over 100k without offering any security.”
The panel
The lenders we take your file to.
2 funders on our UK panel. Which ones see your file depends on what you are funding, your industry, your turnover and how long you have been trading.
The full panel
No property security. These funders assess the trading account (what the business turns over, and how steadily) rather than what it owns.
Questions
Straight answers, before you hand over anything.
Will comparing affect my credit score?
Is Bizzloans a lender?
Who can apply?
What do I have to hand over to get a quote?
How fast does the money actually land?
Ready when you are
60 seconds now, or one phone call. Either works.
Free to compare, no obligation to take anything, and no credit check until you choose a lender.
