Compare Business Credit Lines

  • Lines of credit are available for businesses that need an ongoing source of additional capital
  • You can compare a selection of UK business credit line providers in the table below
    • Funding Xchange Credit Lines logo
      Broker

      Funding Xchange Credit Lines

      • Discover personalised flexible Credit Line offers in just 3 minutes
      • Get access to a revolving line of credit that you can draw down from when you need it
      • It can be used to supplement cash flow and help expand your business
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £1,000 to £250,000
      • Available Terms
        1 month to 5 years

      Company details

      • Funding Xchange’s platform matches your eligibility against 45+ lenders instantly, with no broker fee
      • Apply in 3 minutes and you could get funded in a few hours
      • Never pay more than direct and the search won’t affect your credit rating

      Eligibility criteria

      • Your business must have been trading for a minimum of 2 years
      • Your business must have an annual turnover of at least £80,000
    • THINK Business Loans Credit Line logo
      Broker

      THINK Business Loans Credit Line

      • Check eligibility (without a credit check) & compare all credit line facilities in one place
      • Working Capital and Stock Loan options available
      • Monthly interest rates from 0.2% - only pay for what you use
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £25,000 to £500,000
      • Available Terms
        1 to 5 years

      Company details

      • THINK's funding platform matches your businesses eligibility against hundreds of lenders instantly (without a credit check)
      • THINK are the UK's leading business lending specialists; their experts are on hand to guide you through the process
      • Find the perfect loan in minutes - Make the lender work for you

      Eligibility criteria

      • Must have at least 6 months trading history
      • Sole Traders welcome

    Suppliers that don't offer Business Credit Lines but may offer suitable alternatives:

    • Funding Circle logo
      Peer To Peer

      Funding Circle

      • Simple online form and dedicated Account Manager
      • No fees for full early repayment
      • Not currently part of Coronavirus Business Interruption Loan Scheme
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £10,000 to £250,000
      • Available Terms
        6 months to 5 years

      Company details

      • Simple online form and dedicated Account Manager
      • No fees for full early repayment
      • Not currently part of Coronavirus Business Interruption Loan Scheme

      Eligibility criteria

      • Simple online form and dedicated Account Manager
      • No fees for full early repayment
      • Not currently part of Coronavirus Business Interruption Loan Scheme
    • Capital on Tap logo

      Capital on Tap

      • Capital on Tap are a Revolving Credit Facility you can utilise through either a credit card, a loan or both
      • Credit limits up to £50,000 with no monthly or annual fees
      • 0% Interest on all card purchases, when balance cleared in full each month
      • Minimum Turnover
        £24,000 p.a.
      • Available Amounts
        £1,000 to £50,000
      • Available Terms
        1 month to 2 years

      Company details

      • Capital on Tap specialises in supporting the UK's SMEs and Self Employed Merchants with credit through their card and loan facilities.
      • Within 1 minute of application they can offer Credit limits of up to £50,000 with rates as low as 9.9%.
      • Since 2012, Capital on tap has provided more than £1billion to over 60,000 UK businesses.

      Eligibility criteria

      • Limited Companies, Sole Traders, Partnerships and Limited Liability Partnerships all welcome to apply
      • No Outsanding CCJs
      • Minimum 12 months Trading History
    • Nationwide Corporate Finance logo
      Broker

      Nationwide Corporate Finance

      • Nationwide Corportate Finance are market leaders and have arranged £3 billion of finance over the past 50 years
      • As a direct funder, Nationwide are able to provide cashflow finance during the crisis
      • Business finance from £10k - £500k
      • Minimum Turnover
        £20,000 p.a. (no minimum for new start ups)
      • Available Amounts
        £10,000 to £500,000
      • Available Terms
        1 to 5 years

      Company details

      • Nationwide Corportate Finance are market leaders and have arranged £3 billion of finance over the past 50 years
      • As a direct funder, Nationwide are able to provide cashflow finance during the crisis
      • Business finance from £10k - £500k

      Eligibility criteria

      • Nationwide Corportate Finance are market leaders and have arranged £3 billion of finance over the past 50 years
      • As a direct funder, Nationwide are able to provide cashflow finance during the crisis
      • Business finance from £10k - £500k
    • Liberis logo

      Liberis

      • Your business must process credit and debit card transactions to apply for this product
      • Competitive pricing tailored to your business
      • Approval in as little as 5 mins, and funds can be yours within hours
      • 9 out of 10 customers would recommend Liberis
      • Minimum Turnover
        £2,500+ card transactions per month
      • Available Amounts
        £2,500 to £300,000
      • Available Terms
        4 to 12 months

      Company details

      • Approval in as little as 5 mins, and funds can be yours within hours!
      • Competitive pricing tailored to your business. No APR or hidden fees.
      • 9 out of 10 customers would recommend Liberis

      Eligibility criteria

      • Trading for 4+ months
      • Average £625+ a week in card payments
    • The Start Up Loans Company logo

      The Start Up Loans Company

      • Interest rate of fixed 6% per annum
      • Receive business mentoring and support after drawing down your loan
      • No application fees or early repayment fees
      • Minimum Turnover
        No minimum
      • Available Amounts
        £500 to £25,000
      • Available Terms
        1 to 5 years

      Company details

      • Start Up Loans is a Not-For-Profit Company offering a finance and mentoring solution to start and grow a business
      • Start Up Loans have helped over 40,000 businesses get started in the UK
      • Free application support
      • Free post-loan business mentoring

      Eligibility criteria

      • Business is based in the UK
      • Trading for under 24 months
      • 18 years and over
Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

Business Credit Lines FAQ

Also known as 'lines of credit', credit lines are available to businesses that need ongoing access to extra capital. Our selection of frequently asked questions below covers the basics of credit lines and whether they are suited to your business needs. Just click on the question headings for your answers.

What are credit lines?

What are the benefits of credit lines?

What is repayment like with credit lines?

Who are credit lines best suited to?

How can I get a line of credit?

What are draw and repayment periods?

Do credit lines have closing costs?

What are secured and unsecured lines of credit?

What should I consider before applying for credit lines?

Featured articles

Go to Business Loans Hub

Featured brands

View all Business Loans providers

Award-winning comparisons you can trust

It's always nice to know you're on the right track. Over the years, as we have striven to improve the services we provide to our clients and users, we have been pleased to receive recognition for our efforts from both industry and consumer bodies.