Running a business means juggling cash flow, invoices, and supplier deadlines. With a flexible credit facility, you can take control by spreading costs over equal monthly payments – all without long-term commitments or hidden fees.
You can manage your cash flow with confidence using a flexible line of credit that lets you choose when and how to pay.
No Interest. No annual Fees. Just a simple flat fee on each transaction.
What is a Flexible Credit Facility?
A flexible funding option that lets you borrow, repay, and reborrow funds as needed, up to an approved limit. Like an overdraft, your available balance refreshes as you make repayments, giving your business ongoing access to cash flow support.
What can I use the Flexible Credit Facility for?
- HMRC and VAT Bills
- Stock and supplies
- Equipment and tools
- Invoices and bills
- Unexpected costs
- Seasonal outgoings
Benefits of a Flexible Credit Facility
Equal monthly payments
Break up your business expenses into 1, 3, 6, 9, or 12 simple instalments.No fixed term or end date
Use the Flexible Credit Facility as often as you need, within your approved limit.Ongoing access to funds
Like a business overdraft — as you repay, your available balance refreshes.
What can I use the Flexible Credit Facility for?
- Stock and supplies
- Equipment and tools
- Invoices and bills
- Unexpected costs
- Seasonal outgoings
Benefits of a Flexible Credit Facility
3 equal monthly payments
Break up your business expenses into three simple instalments.No fixed term or end date
Use the Flexible Credit Facility as often as you need, within your approved limit.Ongoing access to funds
Like a business overdraft — as you repay, your available balance refreshes.
Stay in Control with a Flexible Credit Facility
- Choose how you pay
Use a card, make a bank transfer, or send funds directly to your business account.
- Flexible repayment options
Spread payments over 1, 3, 6, 9 or 12 months to suit your cash flow.
- Simple, transparent pricing
Just one clear fee per transaction – no interest, monthly charges or hidden costs.
- No fee for single-instalment payments
Pay off your card balance in one go and skip the transaction fee.
- Always know where you stand
Easily track payments and stay on top of costs.
- Bridge cash flow gaps
Pay suppliers or invoices on time, even when you’re waiting on incoming payments.
How it works
Make a purchase or pay a supplier
Use the facility to cover a cost upfront — whether it’s stock, bills, or something else.Split the payment over 1, 3, 6, 9 or 12 months
Your business repays in equal monthly instalments.Top-up and repeat
As you repay, your available balance goes back up — ready to use again.
What is the eligibility criteria for the Flexible Credit Facility?
- UK registered company
- 12+ months trading history (1 year filed accounts)
- Limited company
- Annual turnover of at least £30,000
- Active Director for 12 Months
- No County Court Judgments (CCJs) against applicant or business in the last 12 months
What are the interest rates and repayment terms?
There is a one-off arrangement fee and then you’ll just pay a straightforward flat fee each time you use it – starting from 1.5%, depending on the number of instalments you select. Your fee is set when your business is assessed during the application.
How quickly can I get access to funds?
The time it takes to set up the facility and access the funds is usually between 24hrs and 48 hrs. Complete our short form below to get started.
Ready to apply for a Flexible Credit Facility?
If you’re ready to apply, simply complete our online form.
If you have any questions, our team is here to help. Contact us by phone or email to learn more about how we can help your business grow.
