Introducing...
Flexible Credit Account
Apply for a limit in under 3 minutes
You can apply as a limited company without affecting your credit score.
No set up fee!
No set up fee!
Repay in 1, 3, 6, 9 or 12 instalments
Simple flat fee on each transaction and no annual or non-usage fees
Credit limit up to £250,000
Withdraw straight into your business bank account or pay by card or cash transfer
What can it be used for?
The facility can be used for any business purchase, expense, bill or to boost cashflow
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VAT, tax, energy or other business bills
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Quick cash payments and business account direct debits
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Bulk stock purchases or new equipment
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Supplier payments, payroll or unexpected invoices
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Professional services such as marketing or accountancy fees
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Business trip costs like tickets and hotels
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Office furnishings and refurbishments
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Shipping and other logistics costs
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...and any other legitimate business purpose!
What can it be used for?
The facility can be used for any business purchase, expense, bill or to boost cashflow
-
VAT, tax, energy or other business bills
-
Quick cash payments and business account direct debits
-
Bulk stock purchases or new equipment
-
Supplier payments, payroll or unexpected invoices
-
Professional services such as marketing or accountancy fees
-
Business trip costs like tickets and hotels
-
Office furnishings and refurbishments
-
Shipping and other logistics costs
-
...and any other legitimate business purpose!
Keep your payments on your terms
-
Transfer funds straight to your business bank account or pay up front by card or cash transfer
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Control your cash flow by choosing how you repay – over 1, 3, 6, 9 or 12 months
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Keep track of costs with one simple fee per transaction
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No fee when you pay off your card balance in 1 instalment
-
Get total transparency, with no monthly fees, interest or hidden costs
-
Pay invoices on time every time, even when incoming payments are delayed
-
Negotiate cash discounts with suppliers, saving you money
Keep your payments on your terms
-
Transfer funds straight to your business bank account or pay up front by card or cash transfer
-
Control your cash flow by choosing how you repay – over 1, 3, 6, 9 or 12 months
-
Keep track of costs with one simple fee per transaction
-
No fee when you pay off your card balance in 1 instalment
-
Get total transparency, with no monthly fees, interest or hidden costs
-
Pay invoices on time every time, even when incoming payments are delayed
-
Negotiate cash discounts with suppliers, saving you money
Get your decision without impacting your credit score
If you’re a limited company or LLP, you can get a decision on your credit limit without affecting your credit score.
- Apply online in minutesNo life stories or drawn out interviews. Just a short, simple online form to tell us who you are, and what your business needs.
Our application form takes less than 3 minutes to complete. - Get your credit straight awayOnce approved, you’ll be ready to start making payments, and your card will arrive within 10 working days.
- Pay business costs upfrontSpend on your card, or log in to your online account or app to pay invoices or make transfer payments.
- Repay in instalments that suit youChoose to repay over 1, 3, 6, 9, or 12 months with no interest. Just a single fee per transaction to make it easy to control your cash flow.
What does it cost?
- There are no set up costs at all!
We have waived the standard 5% fee which would usally be added to the account. - A simple flat fee is charged each time you use it.
Your business will be assessed and if approved a fee amount will be set from 1.99% depending on how many instalments you choose. - No monthly, annual or non-usage fees. Only pay for what you use!If you don't use it, it costs nothing.
FAQs
The minimum bill or supplier payment is £100. There is no minimum spend on your card. Remember you cannot spend over your credit limit.
Your VISA card allows you to shop online, in stores, and set up recurring payments for added convenience. You can also use your card abroad for international payments. However, keep in mind that cash withdrawals and gambling transactions are not supported by this card.
You can track all of your expenses in the app or your online account.
With the app, you can keep track of your spending, authorise larger card transactions and make supplier payments all within a few taps.
With the app, you can keep track of your spending, authorise larger card transactions and make supplier payments all within a few taps.
Staying on top of your repayments is easy. Simply click on the Repayments tab in either your app or online account to display all of your upcoming payments and their due dates in one place.
Sign in to your online account and head to the 'Pay' screen to pay a supplier. Then enter your business bank details into the payment form and submit your request, just like a regular payment.
You may borrow straight from your account to:
- Pay suppliers in cash, when they request it
- Transfer funds to cover direct debit payments
- Cover bulk purchases or one-off expenses
- Fund your petty cash for day-to-day needs
In short, yes. However, cash advances typically include a higher fee and annual percentage rate (APR) separately. You'll be charged the same flat fee to transfer funds directly from your business account, as for any other payment reason.
You can transfer funds directly to your business bank account in your online account, but will be unable to make ATM cash withdrawals using your card.
No collateral is required as security. This is an unsecured account.
A personal guarantee is required from the main account holder which covers the funds used, not the limit.
This can be insured at an additional cost via our partners.
A personal guarantee is required from the main account holder which covers the funds used, not the limit.
This can be insured at an additional cost via our partners.
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