FINANCE OPTIONS

^{Understanding} Business Credit Cards

Q: How much can I borrow with a business credit card?

With business credit cards, you can borrow between £1,000 and £50,000. The amount depends on factors like your business credit score, financial statements, annual revenue, and trading history. Our solutions help you maximise your borrowing capacity in line with these factors.

Q: How quickly can I get a decision on my business credit card application?

Decisions are typically made within 5-10 working days. Once approved, funds can be available within 24-48 hours. Our efficient processes ensure you get the funding you need promptly.

Q: What are the interest rates for business credit cards?

Interest rates for business credit cards typically range from 6% to 25% APR, influenced by your credit score, financial health, and card features. Choosing the right card can offer substantial benefits, similar to our other credit solutions.

Q: What are the eligibility criteria for obtaining a business credit card?

Eligibility usually includes having a good to excellent credit score, a stable trading history, and ample financial records. Specific requirements may vary by card type and issuer, but we can assist you in meeting these criteria effectively.

Business credit cards are financial products issued by banks specifically for business purposes. They assist businesses in managing finances, tracking expenses, and often offer rewards on business-related purchases. Key benefits include managing cash flow, covering short-term expenses, and earning rewards on purchases. Learn more with our Business Loans.

Business Credit Cards

Secure up to £500,000 in Business Credit Cards with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

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What are the ^benefits of a business credit card?

The main advantages of business credit cards include immediate credit access, enhanced tracking, potential improved credit ratings, and rewards programs. We specialise in offering solutions with competitive borrowing amounts, quick decision speeds, and advantageous rates. Explore our Business Loan Refinancing.

Build business credit

Cash flow management

Reward programs

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the types of business credit cards?

Standard Business Credit Card

Standard Business Credit Cards usually require a trading history of at least 1 year and a good credit score. Credit limits range from £1,000 to £25,000. Decision typically within 5-10 days.

Standard Business Credit Card

Standard Business Credit Cards offer revolving credit with monthly billing, interest rates from 15% to 25% APR, and decision timelines of 5-10 working days. Ideal for daily expenses like office supplies and travel. Our Startup Loans can also support new businesses.

Rewards Business Credit Card

Rewards Business Credit Cards require higher annual turnover. Credit limits range from £2,000 to £50,000. Typical approval in 5-10 days.

Rewards Business Credit Card

Gain cashback or loyalty points with Rewards Business Credit Cards, featuring interest rates from 16% to 24% APR. Approval is quick, within 10 days. See more on Unsecured Business Loans.

Low Interest Business Credit Card

Low Interest Business Cards need excellent credit and longer trading. Credit limits from £1,000 to £20,000, offering 6% to 15% APR.

Low Interest Business Credit Card

These cards provide affordable credit costs when cash is tight, with decision times of 5-10 days. Perfect for larger expenses. Explore our E-Commerce Financing options.

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

Apply via Funding Agent

Provide Business Details

Submit basic information about your company to start the comparison process.

Compare Options

Review and select from the top options tailored to your business’s needs.

Submit Application

Complete the formal application through Funding Agent’s streamlined process.

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

How much can I borrow with a business credit card?

How quickly can I get a decision on my business credit card application?

What are the interest rates for business credit cards?

What are the eligibility criteria for obtaining a business credit card?

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June 11, 2025

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^{Understanding} Business Credit Cards

What are the ^benefits of a business credit card?

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the types of business credit cards?

Standard Business Credit Card

Standard Business Credit Card

Rewards Business Credit Card

Rewards Business Credit Card

Low Interest Business Credit Card

Low Interest Business Credit Card

Typical Funding Journeys on Funding Agent