Find clear answers to common questions about business finance, our role as a broker, how funding works, and what to expect when working with United Business Finance.
We are a UK business finance broker. We help businesses understand their funding options and introduce them to suitable lenders. We do not lend money ourselves or provide financial advice.
We arrange access to unsecured business loans, asset finance, invoice finance, merchant cash advances, tax funding, and property finance, depending on business needs and eligibility.
No. United Business Finance is a credit broker, not a lender. All finance is provided by third-party lenders, and approval is subject to their criteria, checks, and terms.
Timeframes vary by product and lender. Some facilities can be agreed within days, while others take longer due to underwriting, documentation, or property valuations.
Initial discussions and eligibility checks usually involve soft searches. A full credit check may be required if you proceed with a formal application through a lender.
Yes, in many cases. Some lenders focus more on business performance and cash flow than historic credit issues, although options and pricing may be more limited.
Not always. Some products do not require personal guarantees, while others may. This depends on the lender, loan size, and the financial position of the business.
Amounts depend on turnover, profitability, cash flow, and existing commitments. We help assess realistic borrowing levels before introducing suitable lenders.
Typically this includes basic company details, recent bank statements, management figures or accounts, and information about how the funds will be used.
We may receive commission from lenders, and in some cases a broker fee may apply. Any fees are explained clearly before you proceed.
Yes. We treat all business information confidentially and only share details with lenders when necessary and with your consent.
Yes. Alternatives may include short-term loans, merchant cash advances, invoice finance, or unsecured business loans, depending on cash flow, urgency, and how long the funding is required.
This depends on the lender. Some allow early repayment without charges, while others may apply fees. Any early repayment terms are confirmed before you proceed.
No. Revolving finance is provided for business purposes only and should not be used for personal or non-business expenditure.
It can be, provided the business is trading and generating income. Eligibility depends on turnover, cash flow stability, and the lender’s minimum trading requirements.
Limits are usually based on turnover, bank transaction history, affordability, existing commitments, and overall business performance.
Revolving credit allows repeated access to funds up to a limit, while short-term loans provide a fixed amount with set repayments over an agreed period.