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Line of credit

Business Line of Credit

Flexible financing, there when you need it.

Funding amount
Up to $1M
Term
6 months to 3 years
Cost
Starting at 4.5%
Funding speed
Within 1–2 days

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A lit clothing boutique in a shopping arcade, rails full.

Line of credit

What it is, and how it repays

A line of credit gives you access to a fixed amount of capital that you draw on only when you need it. Think of it as a financial safety net: it sits there costing nothing until the day it earns its keep.

When you do draw on it, you can use it for almost any business need, and you pay for what you use rather than for the whole facility.

The pinch it fits

The quiet month

Trade dips, the bills do not

Rent, insurance and the lease stay the same size when footfall halves. Most owners can name their slow month before it comes.

A line of credit waits unused until that month, then you draw only what it needs and pay only for what you draw.

Every moment cash runs short →

A quiet high street under its bunting, between customers.

What it gives you

Why owners choose it

  • Flexible financing
  • No obligation to use it
  • Works for almost any business need
  • Pay for what you use

The application

Start your application

A couple of minutes: how much, how to reach you, and a few questions about the business. Free to send, and nothing is agreed until you accept an offer.

The application is the way in, and it takes about two minutes.

The six

All six programmes, this one marked

Term Loan

The classic way to fund a bigger move.

Loan amount
$20K – $1M
Interest rate
As low as 6%

Equipment Financing

Equipment for virtually any industry.

Loan amount
Up to $250K
Cost
As low as 8%

Working Capital

Funding your day-to-day operations.

Funding amount
Up to $1M
Cost
Starting at 4.5%

Revenue-Based Funding

Quick and efficient access to capital.

Funding amount
$5K – $500K
Funding speed
24–48 hours