Business Loan Services Reviews

Business Loan Services provides reliable financing options with positive customer feedback, supporting small businesses in obtaining essential funding efficiently.

Here are the Trustpilot Reviews from Business Loan Services:

Here are the Reviews from Business Loan Services:

We would not exist if The Loan Fund did not help support us. Anytime weve needed money to grow, The Loan Fund has stepped up to the plate. The Loan Fund really puts its money where its mouth is when it comes to lending for change and working with nonprofits.

Susan Matteucci

The Loan Fund has been a key partner in our success, and an invaluable asset for the growth and future of our company.

Juan Certain

Anytime Ive had an issue, Ive reached out to The Loan Fund. Theyve been there from the start to help when Ive needed it.

Delia Gallegos

The Loan Fund has made it possible for us to extend our concert series for more New Mexicans to enjoy, while also helping to support local artists. We thank The Loan Fund for their support of our thriving local music scene.

Maud Beenhouwer

When I was applying for a loan to purchase my building as a small business owner in a tough situation, conventional banks said they could not help me. The Loan Fund sat down with me, heard my situation and decided that I was worth taking a chance on. Here we are 5 years later and I have just renewed my loan for another 7 years. I couldnt have purchased my building without the help of The Loan Fund and will be forever indebted to them for giving me a chance when no one else would.

Mike DElia

The Loan Fund has helped us take on bigger and more art projects within the community. Initially, The Loan Fund took a risk on us. They provided us funding when we had an annual budget of only $7,000, and that has helped us grow into what we are today.

Nan Elsasser

Explore Business Loan Services' Finance Solutions:

Unsecured Business Term Loan (Brokered)

£25,000 – £500,000

Secured Business Loan (Brokered)

£50,000 – £2,000,000

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Explore Business Loan Services' Finance Solutions:

Loan Type:

Unsecured Business Term Loan (Brokered)

Loan Range:

£25,000 – £500,000

Loan Terms:

1 – 5 years

Minimum Turnover and Trading Age:

Typically 2 years trading and £250,000+ annual turnover

Interest Rate:

6.9% – 19.9% APR (varies by lender and credit profile)

Fees:

Broker success fee 1% – 3% of facility; lender arrangement fee 2% – 4%; early repayment usually allowed with modest fee or interest rebate

Loan Type:

Secured Business Loan (Brokered)

Loan Range:

£50,000 – £2,000,000

Loan Terms:

2 – 15 years

Minimum Turnover and Trading Age:

2+ years trading; minimum £400,000 turnover

Interest Rate:

3.5% – 8.5% APR variable or fixed

Fees:

Valuation fee (from £400); legal fees; lender arrangement 1% – 2%; broker success fee up to 2%

Loan Type:

Asset Finance (Hire Purchase & Leasing)

Loan Range:

£10,000 – £1,000,000

Loan Terms:

1 – 7 years

Minimum Turnover and Trading Age:

12 months trading; turnover £150,000+

Interest Rate:

From 4.5% flat (equivalent 8% – 14% APR) depending on asset and term

Fees:

Documentation fee £100 – £250; option-to-purchase fee on HP; broker fee 1% – 2%

Loan Type:

Invoice Finance (Factoring & Confidential Invoice Discounting)

Loan Range:

£50,000 – £5,000,000 facility limits (up to 90% of invoice value advanced)

Loan Terms:

Rolling 12-month contracts (extendable)

Minimum Turnover and Trading Age:

Annual turnover £500,000+ and 6+ months of trading invoices

Interest Rate:

Service fee 0.5% – 3% of turnover; discount margin 2% – 4% over base

Fees:

Setup fee from £500; audit fees; trust account fee on some facilities; broker fee 0.5% – 1%

Loan Type:

Commercial Mortgage & Property Finance

Loan Range:

£75,000 – £10,000,000

Loan Terms:

3 – 25 years (interest-only or repayment)

Minimum Turnover and Trading Age:

Property income or business trading to cover 120% – 140% debt service

Interest Rate:

3.25% – 6.5% variable or fixed over 2-, 5- or 10-year periods

Fees:

Valuation fee (scaled); arrangement 1% – 2%; legal fees; broker success fee up to 1%

Loan Type:

Peer-to-Peer Crowdfunding Loan Packaging

Loan Range:

£25,000 – £750,000

Loan Terms:

1 – 5 years

Minimum Turnover and Trading Age:

18 months trading and £100,000+ turnover

Interest Rate:

5.5% – 15% APR depending on auction outcome and risk grade

Fees:

Platform fee 1% – 6% of loan; broker support fee 1%; no early repayment penalties with most platforms

More About Business Loan Services

Business Loan Services (UK) Ltd is an independent commercial finance brokerage founded in 2009 by former high-street bank managers. Based in Blackpool and serving SMEs nationwide, it offers expertise in structuring funding proposals and connecting borrowers with a broad panel of lenders. This includes high-street banks, challenger banks, peer-to-peer platforms, and specialist lenders. The service mainly suits established UK businesses seeking funding from £25,000 to £10 million, and benefits from FCA regulation as a credit broker. For a broader context, see our business loans overview and debt financing guide.

Key features of Business Loan Services (UK) Ltd

Business Loan Services offers practical and educational assistance to clients, supporting them through bespoke funding solutions tailored to SMEs. Its leadership consists of experienced ex-bank managers.

Dedicated ex-bank relationship manager assigned to every client, ensuring personalised service with expert insight from a lender perspective.
Online information portal for secure document uploads and case tracking, improving transparency and efficiency during application.
In-house production of professional business plans and financial forecasts, supporting strong loan proposals.
Extensive educational resources including podcasts, webinars, and training workshops help demystify SME finance topics.
Nationwide lender panel offering access to a variety of banks, peer-to-peer lenders, alternative, and specialist finance.

Funding eligibility

You may qualify for funding with Business Loan Services if your business has been trading for at least 12 to 24 months and meets minimum turnover requirements generally ranging from £100,000 to £250,000 depending on the product. Eligible businesses must be UK-registered and operate outside excluded sectors such as arms, gambling, and adult entertainment. For detailed eligibility criteria, refer to our qualification guide, the tools page, and the business loans eligibility information.

Loan options available

The lender brokerage offers a range of loan types catering to different funding needs and business sizes. Below are key options with typical amounts, terms, and rates aligned with industry norms.

Unsecured Business Term Loan: £25,000 – £500,000; 1 to 5 years term; interest rates range from 6.9% to 19.9% APR depending on lender and borrower credit profile. Suitable for businesses with typically 2+ years trading and £250,000+ turnover.
Asset Finance (Hire Purchase & Leasing): £10,000 – £1,000,000; 1 to 7 years; from 4.5% flat rate. Requires at least 12 months trading and £150,000+ turnover. The asset acts as security, preserving working capital.
Invoice Finance: £50,000 – £5,000,000 facility limits, rolling 12-month contracts; service fees 0.5% – 3%; discount margin 2% – 4% over base rate. Requires 6+ months invoice history and £500,000+ annual turnover.
Secured Business Loan: £50,000 – £2,000,000; 2 to 15 years; interest rates from 3.5% to 8.5% APR. Requires property or fixed asset collateral and 2+ years trading with minimum £400,000 turnover.
Commercial Mortgage & Property Finance: £75,000 – £10,000,000; 3 to 25 years; rates from 3.25% to 6.5% variable or fixed. Intended for profitable trading businesses or those with verified rental income.
Peer-to-Peer Crowdfunding Loan Packaging: £25,000 – £750,000; 1 to 5 years; from 5.5% to 15% APR depending on auction risk and results. Requires 18 months trading and £100,000+ turnover.

How to apply

The application process involves a combination of online and consultative steps, with expected decision and funding times varying by loan type and lender.

Submit an online enquiry form to initiate contact and provide basic business details. See our online form.
Participate in a telephone or video consultation to assess needs and discuss suitable funding solutions.
Provide supporting documents such as at least two years' filed accounts, recent management accounts, bank statements, debtor/creditor lists, asset details, and director identification.
Expect indicative credit terms within 24 to 72 hours and formal lender decisions within 2 to 10 working days.
Funds for unsecured loans may be completed in 3 to 7 days while secured or commercial property finance typically requires 4 to 10 weeks post-approval.

Funding Agent's view

Business Loan Services (UK) Ltd specialises in SME commercial finance brokerage, leveraging ex-bank expertise to prepare strong loan proposals. The service suits established UK businesses requiring guidance through complex funding options in the £25,000 to £10 million range. Those seeking very small loans or instant self-serve credit might find the model less suitable due to its advisory nature and contingent fees. For more insight, explore our business plan tools, guidance on personal guarantees, and loan comparison pages.