LIVE · UK BUSINESS FINANCE
Need cash flow yesterday?
Compare live rates from 30+ UK lenders. Soft search, no dent.
“£35k facility approved next day. Game changer.”
- Indicative offers from 40+ UK lenders
- One form. No broker phone tag.
- Free to use — paid by the lender you pick
Most UK SMEs borrow £25k – £50k
What's it for?
Trading for?
By continuing, your details go to relevant lenders from our panel — including Barclays, HSBC, Funding Circle, and others on the panel. Free to use: we're paid by the lender you choose, never by you.
How we’re paidCostQuote is free to use and is not a lender. If you choose to continue with a finance partner, we may receive a referral fee or commission. This does not change your cost of borrowing, and it is not a guarantee of funding.
Live
The lowest live APR right now.
Indicative · From the UK panel · Refreshed every 90 seconds
The argument
Two lenders. One decision.
What cost/quote actually does — show real loan offers side by side, picked from the panel and sorted by total cost.
The work
Not a form. A request to 40 lenders.
When you submit, we don't queue you. We send the brief to the panel and surface the matches — typically 17 of 40 lenders return an offer for an average SME profile.
Matched on the average application
The shortlist
Sorted by total cost. Not who paid most.
Every offer shown end-to-end — APR, monthly, total to repay, term. Sort however helps you decide.
Indicative figures.Calculated for £50,000 over 36 months for a UK SME with average credit profile. Your actual offer depends on your business profile, the lender's assessment, and any security required. APRs and totals shown are representative, not guaranteed.
The savings
Real businesses. Real numbers.
Customer · Tom
“Found a working-capital line in eight minutes. Compared four offers, picked the cheapest.”
Tom · Café owner · UK · Illustrative example — actual customer details on request
End to end
Form to funds in a week.
From application to funds
Typical timelineSoft search
Two-minute form, no credit-score impact.
Matched offers
Side-by-side, sorted by total cost.
Funds released
Money in your business account.
Your details go to the lenders you select — never anyone else without asking. How we use your data
Straight answers
Quick answers.
Will comparing offers affect my credit score?
No. cost/quote uses a soft search — it leaves no footprint on your credit file. Only when you choose to formally apply with a specific lender will a hard search appear, and you'll be told before that happens.
Who pays for cost/quote?
The lender you choose pays us a referral fee when you take out a loan. You pay nothing. Standard for the UK business-finance category — typical fee is 1–2% of the loan, included in the lender's pricing, never added on top.
How fast can I actually get the funds?
Indicative offers come back in minutes. Full underwriting takes 1–2 working days for most lenders. Funds usually land in your business account within 5–7 working days of application — sometimes faster for working-capital products.
What happens if no lender on the panel will offer?
We tell you. The panel includes 40+ lenders covering most UK SME profiles, but not every profile matches every product. If no offer comes back we'll explain what typically causes the gap — usually trading history, sector or director's credit — and what would unlock more options.
What's the difference between APR and total cost?
APR is the annual interest rate, comparable across lenders. Total cost is the actual £ you'll pay — APR × term × amount, plus any fees. Two lenders can quote the same APR with different total costs if their fees differ. We show both so you can compare like-for-like.
Do I need to upload ID or business documents?
Not for the initial comparison — five fields on the hero form give us enough to surface indicative offers. When you choose a lender, they'll ask for the usual: incorporation documents, bank statements, sometimes proof of director's ID. Each lender publishes their requirements on their offer page.