FINANCE OPTIONS

^£850K Line of Credit - Apply Now

Q: What is the typical amount I can borrow with a line of credit?

Lines of credit for UK SMEs typically range from £10,000 up to £5,000,000, but the actual amount you can access depends on your financial health, credit history, and whether you provide collateral.

Q: How quickly can my business get approved?

If you opt for an unsecured facility, decisions are often made within 3 to 7 days. For secured lines of credit, approval may take between 2 to 4 weeks due to collateral assessments and additional checks.

Q: What are typical interest rates and fees?

APR for lines of credit varies by type and risk, starting from 4% to 25%. There may also be arrangement fees or ongoing maintenance charges, so it’s important to review the full terms.

Q: What types of lines of credit are available?

UK SMEs can choose from revolving, secured, and unsecured lines of credit. These differ in eligibility, funding limits, costs, and speed, allowing businesses to find the best match for their specific needs.

A £850K Line of Credit is a flexible finance solution designed for UK SMEs. This form of borrowing allows you to draw funds up to a predetermined credit limit of £850,000, making it ideal for managing cash flow, seizing opportunities, or covering unexpected costs. Unlike fixed-term loans, a line of credit is reusable—once you repay, funds become available again. Common draws to this finance option include its adaptability, quick access to funds, and the ability to pay interest only on what you use.

Secure up to £850,000 in £ Line of Credit with Funding Agent.

Secure up to £1,000,000 in Secure up to £850,000 in £ Line of Credit with Funding Agent. with Funding Agent.

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Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of a £850K Line of Credit

Lines of credit offer practical advantages for UK businesses needing financial flexibility. With control over how much you borrow, costs are linked to actual usage, and the approval process considers your business’s strength. Rates and terms depend on your financial profile and the type of line of credit you choose.

Flexible funding

Improves cash flow

Boosts credit score

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Line of Credit Available

Revolving Line of Credit

This option allows repeated borrowing and repayment within your set credit limit, supporting cash flow across seasonal or fluctuating needs.

Revolving Line of Credit

With a revolving line of credit, eligible businesses with at least two years' trading history and a solid credit profile may access between £10,000 and £1,000,000 for terms of 12 to 36 months at rates from 8% to 18% APR. Businesses draw down as needed, typically in sectors like retail and manufacturing, and funds can be reused as repayments are made.

Secured Line of Credit

Secured against company assets, this type provides higher limits and lower rates. It's suitable for larger or longer-term funding requirements.

Secured Line of Credit

Secured lines of credit range from £50,000 to £5,000,000, with terms of 12 to 60 months and APR between 4% and 12%. To qualify, businesses need valuable assets, strong financials, and a clean credit history. Often used for bigger investments or property purchases and commonly found in capital-intensive sectors.

Unsecured Line of Credit

No collateral required—access funds rapidly based on turnover and credit quality, ideal for fast-moving businesses.

Unsecured Line of Credit

Unsecured lines of credit offer £10,000 to £350,000 for 6 to 24 months, with decisions in 3 to 7 days and rates from 9% to 25% APR. These are suited to firms with strong turnover and credit but without available security, like technology startups or professional services, providing quick liquidity for working capital.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Secure a £850K Line of Credit with Funding Agent

Complete Inquiry Form

Share your business details and funding requirements through our secure and user-friendly online application form.

Review Offers

We present offers from lenders tailored to your criteria, giving you the tools to compare important features and rates.

Accept Offer

Confirm the most suitable agreement, finalise documents, and quickly access your new line of credit for business use.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

What is the typical amount I can borrow with a line of credit?

How quickly can my business get approved?

What are typical interest rates and fees?

What types of lines of credit are available?

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^£850K Line of Credit - Apply Now

Key ^Benefits of a £850K Line of Credit

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Line of Credit Available

Revolving Line of Credit

Revolving Line of Credit

Secured Line of Credit

Secured Line of Credit

Unsecured Line of Credit

Unsecured Line of Credit

Typical Funding Journeys on Funding Agent