FLEXIBLE CREDIT FACILITY
What is it?
With a flexible credit facility, you can take control by spreading costs over equal monthly payments – all without long-term commitments or hidden fees.
No interest or annual fees apply, a flat transaction fee is charged per use.
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.
THREE SIMPLE STEPS TO ACCESS FLEXIBLE CREDIT
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 over 1–12 months
Your business repays in equal monthly instalments — choose 1, 3, 6, 9, or 12 months.
Top up and repeat
As you repay, your available balance goes back up — ready to use again whenever you need it.
EVERYTHING YOUR BUSINESS NEEDS TO MANAGE CASH FLOW
Benefits of a Flexible Credit Facility
Equal monthly payments
Break up your business expenses into 1, 3, 6, 9, or 12 simple instalments to suit your cash flow.
No fixed term or end date
Use the Flexible Credit Facility as often as you need, within your approved limit — no commitment required.
Ongoing access to funds
Like a business overdraft — as you repay, your available balance refreshes and is ready to use again.
Simple, transparent pricing
Just one clear flat fee per transaction — no interest, no annual charges, and no hidden costs.
No fee for single-instalment payments
Pay off your balance in one go and the transaction fee is waived entirely.
Bridge cash flow gaps
Pay suppliers or invoices on time, even when you're waiting on incoming payments from customers.
FLEXIBLE CREDIT ELIGIBILITY
Eligibility criteria
- UK registered limited company
- 12+ months trading history (1 year filed accounts)
- Annual turnover of at least £100,000
- Active director for 12+ months
- No live CCJs against applicant or business