Choose the right option for your business

We’ll give you a decision within 24 hours with funds available immediately through your online account. Don’t worry if you’re not sure which option is right for you – you can always change your mind later.

Flexible Credit Line

Borrow £1,000 - £200,000 for 1 day - 12 months

Application Complete

Manage day-to-day cash flow

Borrow £1,000 - £200,000 for 1 day - 12 months

Draw down as required to buy stock, pay bills and make short-term investments (learn more)

Application Complete

Only pay for the days you need

Keep the funds for up to 12 months or repay as soon as you like with no fees or penalties

Application Complete

49% representative APR

We expect over half of businesses that get approved for a Credit Line to get a rate of 49% APR or lower. That's just £1.11 per day for each £1,000 borrowed.

Representative example:

  • Borrow: £10,000 for 12 months
  • Interest rate: 40% p.a. (fixed)
  • Total amount repayable: £12,165

Taking funds for a short period? A credit line may be cheaper since there are no fees, just a simple interest rate (see credit line pricing)

Small Business Loan

Borrow £5,000 - £250,000 for up to 5 years

Application Complete

Invest in your business growth

Borrow £5,000 - £250,000 for up to 5 years

Spread the cost of a long-term investment or a large, one-off purchase (e.g. a piece of machinery)

Application Complete

Spread the cost over 3 - 5 years

Pay back in equal monthly instalments which are taken automatically from your debit card

Application Complete

14.9% representative APR

We expect over half of businesses that get approved for a Small Business Loan to get a rate of 14.9% APR or lower.

Representative example:

  • Borrow: £50,000 for 3 years
  • Interest rate: 10% p.a. (fixed)
  • Fees: £3,000 upfront fee (6%)
  • Total repayable: £61,382

Our cheapest way of borrowing if you need funds for more than a year. There’s a 6% upfront fee but ongoing rates are low (see business loan pricing)