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Credit Cards - How to use a business credit card to collect rewards - Modular page (SME template)","How to get the most out of your business credit card rewards ","Most business credit cards offer perks that could save your company a small fortune. We explain how to pick the right card for your business. ","metaImage",{"_1799":3895},{"_13":1804,"_1805":2046,"_1807":3896},"2lchm0Ma3ovBaTgM1sCnh9",[3898,3900,3903,3906],{"_1799":3899},{"_13":1804,"_1805":1809,"_1807":2441},{"_1799":3901},{"_13":1804,"_1805":1809,"_1807":3902},"5NVv1KVdkcQAemOUbTXILo",{"_1799":3904},{"_13":1804,"_1805":1809,"_1807":3905},"7qAMZVfIMt6aoRM7XhxhrO",{"_1799":3907},{"_13":1804,"_1805":1809,"_1807":3908},"2ZoGW4hzSCMDm9zKwaH6D7","ogType","article","metaPageType","Read More","2YgagbeQk4GBtARvSBZfk5",{"_1793":3915,"_1799":3918,"_1833":3928},{"_1795":3916,"_1797":3917},[],[],{"_1801":3919,"_13":1809,"_1807":3913,"_1811":3921,"_1816":3886,"_1818":3923,"_1820":3924,"_1822":3924,"_1823":3925,"_1825":1975,"_1779":3926,"_1831":1832},{"_1799":3920},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":3922},{"_13":1804,"_1805":1814,"_1807":2102},"2026-01-26T13:00:25.067Z","2026-04-29T09:42:14.663Z","2026-01-26T13:05:25.100Z",{"_1799":3927},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":3929,"_1938":3930,"_1836":1837,"_2112":3931},"SME Case Studies Collection - Dabbadrop","Dabbadrop",[3932],{"_1799":3933},{"_13":1804,"_1805":1809,"_1807":3934},"6eorUc9zGMm3i4euzGekgB","2ZNOJnPw3Gvef6OxDQ3i3J",{"_1793":3937,"_1799":3940,"_1833":3952},{"_1795":3938,"_1797":3939},[],[],{"_1801":3941,"_13":1809,"_1807":3935,"_1811":3943,"_1816":2257,"_1818":3946,"_1820":3947,"_1822":3947,"_1823":3948,"_1825":3949,"_1779":3950,"_1831":1832},{"_1799":3942},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":3944},{"_13":1804,"_1805":1814,"_1807":3945},"cta","2021-01-29T15:37:17.092Z","2025-06-12T13:31:14.229Z","2021-01-29T15:38:34.086Z",26,{"_1799":3951},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":3953,"_1836":1837,"_1951":3954,"_147":3971,"_1984":3974},"Compare Business Bank Accounts CTA",{"_1941":1942,"_1943":3955,"_49":3956},{},[3957,3965],{"_1941":1947,"_1943":3958,"_49":3959},{},[3960],{"_1941":1951,"_1952":3961,"_1954":3962,"_1943":3964},"Choose the best business bank account for your company with features including no set up fees.",[3963],{"_13":2833},{},{"_1941":1947,"_1943":3966,"_49":3967},{},[3968],{"_1941":1951,"_1952":9,"_1954":3969,"_1943":3970},[],{},{"_1799":3972},{"_13":1804,"_1805":1809,"_1807":3973},"5hCDwSMT7hdQGRpsUmrhgA","centered",{"_1793":3976,"_1799":3981,"_1833":3992},{"_1795":3977,"_1797":3980},[3978],{"_1799":3979},{"_13":1804,"_1805":2071,"_1807":2072},[],{"_1801":3982,"_13":1809,"_1807":3908,"_1811":3984,"_1816":2208,"_1818":3987,"_1820":3988,"_1822":3988,"_1823":3989,"_1825":2803,"_1779":3990,"_1831":1832},{"_1799":3983},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":3985},{"_13":1804,"_1805":1814,"_1807":3986},"richTextModule","2024-08-14T14:01:46.829Z","2026-04-16T10:59:46.619Z","2024-08-16T09:38:50.172Z",{"_1799":3991},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":3993,"_49":3994,"_4396":59,"_4397":4398,"_1984":4399,"_1836":1837},"Business - Credit Cards - How to use a business credit card to collect rewards - Guides - Main text template",{"_1941":1942,"_1943":3995,"_49":3996},{},[3997,4004,4011,4044,4051,4069,4076,4083,4089,4097,4104,4111,4206,4214,4221,4228,4236,4243,4250,4257,4264,4271,4278,4285,4292,4299,4306,4313,4320,4327,4334,4341,4348,4356,4363,4370,4377,4384,4390],{"_1941":1947,"_1943":3998,"_49":3999},{},[4000],{"_1941":1951,"_1952":4001,"_1954":4002,"_1943":4003},"Using a credit card to fund your business expenses is not all one-way traffic – use it right, and you can earn generous rewards. Here we explain how to use a business credit card to claw back some of your operation’s spending.",[],{},{"_1941":2324,"_1943":4005,"_49":4006},{},[4007],{"_1941":1951,"_1952":4008,"_1954":4009,"_1943":4010},"Key takeaways",[],{},{"_1941":2819,"_1943":4012,"_49":4013},{},[4014,4024,4034],{"_1941":2823,"_1943":4015,"_49":4016},{},[4017],{"_1941":1947,"_1943":4018,"_49":4019},{},[4020],{"_1941":1951,"_1952":4021,"_1954":4022,"_1943":4023},"Choose a card that offers rewards on the types of spending your business already makes - such as travel, fuel or everyday shops",[],{},{"_1941":2823,"_1943":4025,"_49":4026},{},[4027],{"_1941":1947,"_1943":4028,"_49":4029},{},[4030],{"_1941":1951,"_1952":4031,"_1954":4032,"_1943":4033},"Pay off your balance in full each month so the interest doesn't outweigh the value of any rewards you earn",[],{},{"_1941":2823,"_1943":4035,"_49":4036},{},[4037],{"_1941":1947,"_1943":4038,"_49":4039},{},[4040],{"_1941":1951,"_1952":4041,"_1954":4042,"_1943":4043},"Track your spending and reward points regularly to make sure you maximise the benefits without overspending",[],{},{"_1941":2324,"_1943":4045,"_49":4046},{},[4047],{"_1941":1951,"_1952":4048,"_1954":4049,"_1943":4050},"What is a business credit card?",[],{},{"_1941":1947,"_1943":4052,"_49":4053},{},[4054,4058,4065],{"_1941":1951,"_1952":4055,"_1954":4056,"_1943":4057},"A ",[],{},{"_1941":2284,"_1943":4059,"_49":4060},{"_2275":304},[4061],{"_1941":1951,"_1952":4062,"_1954":4063,"_1943":4064},"business credit card",[],{},{"_1941":1951,"_1952":4066,"_1954":4067,"_1943":4068}," is just like any other in that you can use it for purchases up to a set limit. However, it differs from a personal credit card because it’s strictly for work-related spending. ",[],{},{"_1941":1947,"_1943":4070,"_49":4071},{},[4072],{"_1941":1951,"_1952":4073,"_1954":4074,"_1943":4075},"While the annual percentage rate (APR) of interest is essential for many companies when choosing a business credit card, rewards are the deciding factor for others. This is especially true for businesses that clear their credit card balances each month, as it makes the APR on outstanding balances irrelevant. ",[],{},{"_1941":1947,"_1943":4077,"_49":4078},{},[4079],{"_1941":1951,"_1952":4080,"_1954":4081,"_1943":4082},"If this is the case for your business, you may be interested in a credit card with rewards that can offset future spending, reducing the cost of running your business over time.",[],{},{"_1941":1996,"_1943":4084,"_49":4088},{"_1991":4085},{"_1799":4086},{"_1807":4087,"_13":1804,"_1805":1809},"6TALCkOfJGq5a4XS9B1zeN",[],{"_1941":2324,"_1943":4090,"_49":4091},{},[4092],{"_1941":1951,"_1952":4093,"_1954":4094,"_1943":4096},"What rewards can you get with a business credit card?",[4095],{"_13":2833},{},{"_1941":1947,"_1943":4098,"_49":4099},{},[4100],{"_1941":1951,"_1952":4101,"_1954":4102,"_1943":4103},"The range of rewards you can get on business credit cards is vast, making it important to select a card that offers rewards your business would actually benefit from. For example, if you regularly fly overseas on business, a card earning air miles could be more attractive, but the opposite might be true if you work from home.",[],{},{"_1941":1947,"_1943":4105,"_49":4106},{},[4107],{"_1941":1951,"_1952":4108,"_1954":4109,"_1943":4110},"Here’s a rundown of the main types of rewards currently attached to business credit cards:",[],{},{"_1941":2819,"_1943":4112,"_49":4113},{},[4114,4128,4146,4161,4176,4191],{"_1941":2823,"_1943":4115,"_49":4116},{},[4117],{"_1941":1947,"_1943":4118,"_49":4119},{},[4120,4124],{"_1941":1951,"_1952":3446,"_1954":4121,"_1943":4123},[4122],{"_13":2833},{},{"_1941":1951,"_1952":4125,"_1954":4126,"_1943":4127}," – typically tiered, so you may earn 0.5% to 1% on everyday spending, but perhaps up to 3% at specific outlets. Introductory deals may offer higher returns, or there could be a cap on the amount of cashback you can earn each month",[],{},{"_1941":2823,"_1943":4129,"_49":4130},{},[4131],{"_1941":1947,"_1943":4132,"_49":4133},{},[4134,4139,4142],{"_1941":1951,"_1952":4135,"_1954":4136,"_1943":4138},"Travel rewards",[4137],{"_13":2833},{},{"_1941":1951,"_1952":2890,"_1954":4140,"_1943":4141},[],{},{"_1941":1951,"_1952":4143,"_1954":4144,"_1943":4145},"– these may come in the form of air miles to pay for flights through things like Avios points or you may be able to enjoy hotel rooms and other travel-related perks ",[],{},{"_1941":2823,"_1943":4147,"_49":4148},{},[4149],{"_1941":1947,"_1943":4150,"_49":4151},{},[4152,4157],{"_1941":1951,"_1952":4153,"_1954":4154,"_1943":4156},"Card provider points",[4155],{"_13":2833},{},{"_1941":1951,"_1952":4158,"_1954":4159,"_1943":4160}," – you can put these towards purchases at specific outlets",[],{},{"_1941":2823,"_1943":4162,"_49":4163},{},[4164],{"_1941":1947,"_1943":4165,"_49":4166},{},[4167,4172],{"_1941":1951,"_1952":4168,"_1954":4169,"_1943":4171},"Exclusive savings ",[4170],{"_13":2833},{},{"_1941":1951,"_1952":4173,"_1954":4174,"_1943":4175},"– money off goods at particular outlets, such as Amazon, Dropbox, Slack and trade retailers",[],{},{"_1941":2823,"_1943":4177,"_49":4178},{},[4179],{"_1941":1947,"_1943":4180,"_49":4181},{},[4182,4187],{"_1941":1951,"_1952":4183,"_1954":4184,"_1943":4186},"Gift cards and e-cards ",[4185],{"_13":2833},{},{"_1941":1951,"_1952":4188,"_1954":4189,"_1943":4190},"– points exchanged for gift cards to purchase work or non-work products and experiences",[],{},{"_1941":2823,"_1943":4192,"_49":4193},{},[4194],{"_1941":1947,"_1943":4195,"_49":4196},{},[4197,4202],{"_1941":1951,"_1952":4198,"_1954":4199,"_1943":4201},"Bonus points ",[4200],{"_13":2833},{},{"_1941":1951,"_1952":4203,"_1954":4204,"_1943":4205},"– typically offered if you spend over a certain limit on your card within a set timeframe. For example, you may earn 10,000 extra Avios points if you spend £5,000 on your card in the first three months",[],{},{"_1941":2324,"_1943":4207,"_49":4208},{},[4209],{"_1941":1951,"_1952":4210,"_1954":4211,"_1943":4213},"What spending won’t earn credit card rewards?",[4212],{"_13":2833},{},{"_1941":1947,"_1943":4215,"_49":4216},{},[4217],{"_1941":1951,"_1952":4218,"_1954":4219,"_1943":4220},"You can’t earn points for paying fees, balance transfers, cash advances, foreign currency or gambling. You also won’t get any rewards if your card provider suspects your spending infringes the law.",[],{},{"_1941":1947,"_1943":4222,"_49":4223},{},[4224],{"_1941":1951,"_1952":4225,"_1954":4226,"_1943":4227},"On the other hand, you can earn points or cashback on most other purchases linked to your business. The list is long but includes equipment, office supplies, transport, utility bills, fuel, corporate entertaining, travel for work and employee benefits.",[],{},{"_1941":2324,"_1943":4229,"_49":4230},{},[4231],{"_1941":1951,"_1952":4232,"_1954":4233,"_1943":4235},"How do you redeem rewards with a business credit card?",[4234],{"_13":2833},{},{"_1941":1947,"_1943":4237,"_49":4238},{},[4239],{"_1941":1951,"_1952":4240,"_1954":4241,"_1943":4242},"You can claim rewards in several ways, depending on the type of benefit and individual card provider’s policies. ",[],{},{"_1941":1947,"_1943":4244,"_49":4245},{},[4246],{"_1941":1951,"_1952":4247,"_1954":4248,"_1943":4249},"The main ways to convert rewards are:",[],{},{"_1941":2008,"_1943":4251,"_49":4252},{},[4253],{"_1941":1951,"_1952":4254,"_1954":4255,"_1943":4256},"Redeeming points",[],{},{"_1941":1947,"_1943":4258,"_49":4259},{},[4260],{"_1941":1951,"_1952":4261,"_1954":4262,"_1943":4263},"Typically, the provider debits points to your account, with the credits appearing on your card balance within around three days. ",[],{},{"_1941":1947,"_1943":4265,"_49":4266},{},[4267],{"_1941":1951,"_1952":4268,"_1954":4269,"_1943":4270},"You can search the list of affiliated retailers and other outlets, selecting which you want to purchase via the credit card point checkout. You can use your credit card to make up the balance if you don’t have enough points to cover the total cost.",[],{},{"_1941":2008,"_1943":4272,"_49":4273},{},[4274],{"_1941":1951,"_1952":4275,"_1954":4276,"_1943":4277},"Gift cards and e-codes",[],{},{"_1941":1947,"_1943":4279,"_49":4280},{},[4281],{"_1941":1951,"_1952":4282,"_1954":4283,"_1943":4284},"You can claim gift cards and e-codes for online purchases from retailers like Amazon by selecting the relevant gift option.",[],{},{"_1941":2008,"_1943":4286,"_49":4287},{},[4288],{"_1941":1951,"_1952":4289,"_1954":4290,"_1943":4291},"Travel bookings ",[],{},{"_1941":1947,"_1943":4293,"_49":4294},{},[4295],{"_1941":1951,"_1952":4296,"_1954":4297,"_1943":4298},"You can reserve flights, hotels or hire cars by selecting the corresponding option in the rewards portal. If the card provider is part of the same corporate group, you typically follow a link to the affiliate company or department.",[],{},{"_1941":1947,"_1943":4300,"_49":4301},{},[4302],{"_1941":1951,"_1952":4303,"_1954":4304,"_1943":4305},"It’s worth noting that your reward doesn’t cover everything. Companies typically exclude booking fees, insurance, taxes and other service fees.",[],{},{"_1941":2008,"_1943":4307,"_49":4308},{},[4309],{"_1941":1951,"_1952":4310,"_1954":4311,"_1943":4312},"Transfers to other loyalty programmes",[],{},{"_1941":1947,"_1943":4314,"_49":4315},{},[4316],{"_1941":1951,"_1952":4317,"_1954":4318,"_1943":4319},"Where available, you can move some or all of your points to another account if it’s with the same card provider or a programme partner. This is a good option if your company holds different cards, such as one that offers Avios points and another that supplies retailer discounts.",[],{},{"_1941":2008,"_1943":4321,"_49":4322},{},[4323],{"_1941":1951,"_1952":4324,"_1954":4325,"_1943":4326},"Cashback ",[],{},{"_1941":1947,"_1943":4328,"_49":4329},{},[4330],{"_1941":1951,"_1952":4331,"_1954":4332,"_1943":4333},"You can’t redeem any cashback you earn on purchases as currency. Instead, the card provider adds a cash equivalent to your credit card account annually. ",[],{},{"_1941":2008,"_1943":4335,"_49":4336},{},[4337],{"_1941":1951,"_1952":4338,"_1954":4339,"_1943":4340},"Add to balance",[],{},{"_1941":1947,"_1943":4342,"_49":4343},{},[4344],{"_1941":1951,"_1952":4345,"_1954":4346,"_1943":4347},"Points earned typically have a cash value, so you could put them towards your next purchase or transfer their value to your credit card.",[],{},{"_1941":2324,"_1943":4349,"_49":4350},{},[4351],{"_1941":1951,"_1952":4352,"_1954":4353,"_1943":4355},"Are business credit card rewards worth having?",[4354],{"_13":2833},{},{"_1941":1947,"_1943":4357,"_49":4358},{},[4359],{"_1941":1951,"_1952":4360,"_1954":4361,"_1943":4362},"If you choose the right card for your business, the rewards you earn can prove beneficial, even if they come with an annual fee. ",[],{},{"_1941":1947,"_1943":4364,"_49":4365},{},[4366],{"_1941":1951,"_1952":4367,"_1954":4368,"_1943":4369},"Fees aside, although you can only use a business credit card to make work-related purchases, you can spend them on your business or yourself. ",[],{},{"_1941":2008,"_1943":4371,"_49":4372},{},[4373],{"_1941":1951,"_1952":4374,"_1954":4375,"_1943":4376},"Are rewards earned on business credit cards taxable?",[],{},{"_1941":1947,"_1943":4378,"_49":4379},{},[4380],{"_1941":1951,"_1952":4381,"_1954":4382,"_1943":4383},"Most credit card rewards are tax-free, so you don’t have to declare them. That said, cashback on business credit cards may be taxable – speak to your accountant about this as it’s a complicated area, with VAT and income among the issues to consider.",[],{},{"_1941":1996,"_1943":4385,"_49":4389},{"_1991":4386},{"_1799":4387},{"_1807":4388,"_13":1804,"_1805":1809},"3px7oJ6B9N9RbX0b9WAmrS",[],{"_1941":1947,"_1943":4391,"_49":4392},{},[4393],{"_1941":1951,"_1952":9,"_1954":4394,"_1943":4395},[],{},"hasSideBar","textAlign","left","full-width","2aV4zpEEjXO340NUQMgIIX",{"_1793":4402,"_1799":4405,"_1833":4415},{"_1795":4403,"_1797":4404},[],[],{"_1801":4406,"_13":1809,"_1807":4400,"_1811":4408,"_1816":1929,"_1818":4410,"_1820":4411,"_1822":4411,"_1823":4412,"_1825":2128,"_1779":4413,"_1831":1832},{"_1799":4407},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4409},{"_13":1804,"_1805":1814,"_1807":1928},"2025-12-02T11:15:05.934Z","2026-04-10T14:54:19.111Z","2025-12-02T11:23:26.198Z",{"_1799":4414},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4416,"_1938":4417,"_49":4418,"_1836":1837},"Platinum - Business - Business Credit Cards - Credit limit","What credit card limit can my business get?",{"_1941":1942,"_1943":4419,"_49":4420},{},[4421,4428],{"_1941":1947,"_1943":4422,"_49":4423},{},[4424],{"_1941":1951,"_1952":4425,"_1954":4426,"_1943":4427},"Your credit limit will depend on factors such as your business’s turnover, credit history, and how long you’ve been trading. ",[],{},{"_1941":1947,"_1943":4429,"_49":4430},{},[4431],{"_1941":1951,"_1952":4432,"_1954":4433,"_1943":4434},"In the UK, some providers, including many high street banks, offer limits of around £25,000, while some digital-first providers go as high as £250,000.",[],{},{"_1793":4436,"_1799":4439,"_1833":4450},{"_1795":4437,"_1797":4438},[],[],{"_1801":4440,"_13":1809,"_1807":2174,"_1811":4442,"_1816":3282,"_1818":4444,"_1820":4445,"_1822":4445,"_1823":4446,"_1825":4447,"_1779":4448,"_1831":1832},{"_1799":4441},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4443},{"_13":1804,"_1805":1814,"_1807":1974},"2025-02-03T10:10:35.129Z","2026-05-16T13:18:03.283Z","2025-02-13T09:12:24.576Z",63,{"_1799":4449},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4451,"_1836":1837,"_49":4452},"Business loans forced journey billboard rich text",{"_1941":1942,"_1943":4453,"_49":4454},{},[4455,4462,4469,4475,4481],{"_1941":2589,"_1943":4456,"_49":4457},{},[4458],{"_1941":1951,"_1952":4459,"_1954":4460,"_1943":4461},"Partners you can count on",[],{},{"_1941":1947,"_1943":4463,"_49":4464},{},[4465],{"_1941":1951,"_1952":4466,"_1954":4467,"_1943":4468},"We’ll search 150+ trusted lenders to find the best funding for your business.",[],{},{"_1941":1996,"_1943":4470,"_49":4474},{"_1991":4471},{"_1799":4472},{"_1807":4473,"_13":1804,"_1805":1809},"1Pg5DAJd8D0irFKqZvoyQP",[],{"_1941":1996,"_1943":4476,"_49":4480},{"_1991":4477},{"_1799":4478},{"_1807":4479,"_13":1804,"_1805":1809},"4eBzEJIQ7dfVvU90IyneyA",[],{"_1941":1947,"_1943":4482,"_49":4483},{},[4484],{"_1941":1951,"_1952":9,"_1954":4485,"_1943":4486},[],{},"2ib3Vm7hHaCXKCmurRBLFc",{"_1793":4489,"_1799":4492,"_1833":4502},{"_1795":4490,"_1797":4491},[],[],{"_1801":4493,"_13":1809,"_1807":4487,"_1811":4495,"_1816":3650,"_1818":4497,"_1820":4498,"_1822":4498,"_1823":4499,"_1825":3597,"_1779":4500,"_1831":1832},{"_1799":4494},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4496},{"_13":1804,"_1805":1814,"_1807":1928},"2024-05-23T14:48:18.071Z","2026-05-16T13:18:04.818Z","2024-05-23T14:50:20.840Z",{"_1799":4501},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4503,"_1938":4504,"_49":4505,"_1836":1837},"Platinum - business loans - FAQ 6","How long does it take to get approved for a business loan?",{"_1943":4506,"_49":4507,"_1941":1942},{},[4508],{"_1943":4509,"_49":4510,"_1941":1947},{},[4511],{"_1943":4512,"_1954":4513,"_1952":4514,"_1941":1951},{},[],"The length of time to be approved for a business loan depends on the provider, the checks they carry out, the information they need to see and how quickly you're able to provide it. It also depends on the type of loan. For example, secured loans can have longer approval times. ",{"_1793":4516,"_1799":4519,"_1833":4531},{"_1795":4517,"_1797":4518},[],[],{"_1801":4520,"_13":1809,"_1807":2742,"_1811":4522,"_1816":4524,"_1818":4525,"_1820":4526,"_1822":4526,"_1823":4527,"_1825":4528,"_1779":4529,"_1831":1832},{"_1799":4521},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4523},{"_13":1804,"_1805":1814,"_1807":1867},48,"2022-06-07T18:39:02.861Z","2026-04-15T15:00:36.260Z","2022-06-07T18:39:12.868Z",50,{"_1799":4530},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4532,"_1836":1837},"republished","2qltn93CYi1Zr8MBBW4wZT",{"_1793":4535,"_1799":4538,"_1833":4549},{"_1795":4536,"_1797":4537},[],[],{"_1801":4539,"_13":1809,"_1807":4533,"_1811":4541,"_1816":3350,"_1818":4543,"_1820":4544,"_1822":4544,"_1823":4545,"_1825":4546,"_1779":4547,"_1831":1832},{"_1799":4540},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4542},{"_13":1804,"_1805":1814,"_1807":2354},"2025-05-28T09:29:58.811Z","2026-04-29T09:42:13.882Z","2025-05-28T09:30:59.024Z",37,{"_1799":4548},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4550,"_1836":1837,"_1984":2433,"_2365":4551,"_2440":1786},"Platinum - Business current accounts - Header Intro",{"_1938":4552,"_2436":4553,"_2438":4554},"Find the right account for how your business actually works","Compare the best UK business bank accounts, May 2026","Compare UK business bank accounts from leading providers, with low fees, useful tools and features designed for small businesses.","2waUhUewuBgNSnMTStCw8o",{"_1793":4557,"_1799":4560,"_1833":4571},{"_1795":4558,"_1797":4559},[],[],{"_1801":4561,"_13":1809,"_1807":4555,"_1811":4563,"_1816":1975,"_1818":4565,"_1820":4566,"_1822":4566,"_1823":4567,"_1825":4568,"_1779":4569,"_1831":1832},{"_1799":4562},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4564},{"_13":1804,"_1805":1814,"_1807":1928},"2023-06-15T11:36:29.305Z","2026-03-17T18:20:52.420Z","2023-06-16T10:38:24.547Z",101,{"_1799":4570},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4572,"_1938":4573,"_49":4574,"_1836":1837},"Platinum - Business - Business Credit Cards - Employees own card"," Can my employees have their own company credit card?",{"_1941":1942,"_1943":4575,"_49":4576},{},[4577,4584,4591,4624,4642,4649,4692],{"_1941":1947,"_1943":4578,"_49":4579},{},[4580],{"_1941":1951,"_1952":4581,"_1954":4582,"_1943":4583},"Yes, employees can have their own company credit cards for business expenses. This allows them to make purchases without using personal funds and eliminates delays in reimbursement, making day-to-day operations smoother.",[],{},{"_1941":1947,"_1943":4585,"_49":4586},{},[4587],{"_1941":1951,"_1952":4588,"_1954":4589,"_1943":4590},"Many business credit card providers also offer spending controls, so you can:",[],{},{"_1941":2819,"_1943":4592,"_49":4593},{},[4594,4604,4614],{"_1941":2823,"_1943":4595,"_49":4596},{},[4597],{"_1941":1947,"_1943":4598,"_49":4599},{},[4600],{"_1941":1951,"_1952":4601,"_1954":4602,"_1943":4603},"Set individual spending limits for each employee",[],{},{"_1941":2823,"_1943":4605,"_49":4606},{},[4607],{"_1941":1947,"_1943":4608,"_49":4609},{},[4610],{"_1941":1951,"_1952":4611,"_1954":4612,"_1943":4613},"Monitor expenses in real time",[],{},{"_1941":2823,"_1943":4615,"_49":4616},{},[4617],{"_1941":1947,"_1943":4618,"_49":4619},{},[4620],{"_1941":1951,"_1952":4621,"_1954":4622,"_1943":4623},"Easily track and manage company spending",[],{},{"_1941":1947,"_1943":4625,"_49":4626},{},[4627,4630,4638],{"_1941":1951,"_1952":9,"_1954":4628,"_1943":4629},[],{},{"_1941":2284,"_1943":4631,"_49":4633},{"_2275":4632},"https://www.money.co.uk/business/business-credit-cards/what-is-a-corporate-credit-card#how-to-create-a-corporate-credit-card-policy",[4634],{"_1941":1951,"_1952":4635,"_1954":4636,"_1943":4637},"Introducing employee credit cards",[],{},{"_1941":1951,"_1952":4639,"_1954":4640,"_1943":4641}," can streamline expense management, improve financial oversight, and give you better visibility into how your business budget is being used.",[],{},{"_1941":1947,"_1943":4643,"_49":4644},{},[4645],{"_1941":1951,"_1952":4646,"_1954":4647,"_1943":4648},"To make the most of this, it’s crucial to implement a clear company credit card policy. 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With the right preparation and a quick check on your eligibility, the whole process becomes a lot smoother, letting you focus on what you really want to achieve.","https://img.money.co.uk/t014ej9w3ur1/1NrCh0JrfhpmliOJVrls74/0d0979720c148489f1cb6ac632c24fd6/IMG_1138.jpg.png?auto=format%2Ccompress&ar=1%3A1&crop=faces&fit=crop&ixlib=react-9.8.1&q=45&w=200&h=200&dpr=2","authorDesg","Small business expert","authorUrl","https://www.money.co.uk/authors/joe-phelan","3SsD2VK4a2h5GzgL9M1rBD",{"_1793":5226,"_1799":5229,"_1833":5240},{"_1795":5227,"_1797":5228},[],[],{"_1801":5230,"_13":1809,"_1807":5224,"_1811":5232,"_1816":2208,"_1818":5235,"_1820":5236,"_1822":5236,"_1823":5237,"_1825":2212,"_1779":5238,"_1831":1832},{"_1799":5231},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5233},{"_13":1804,"_1805":1814,"_1807":5234},"billboard","2022-01-12T11:22:31.904Z","2025-10-24T11:24:10.431Z","2022-01-12T11:22:32.197Z",{"_1799":5239},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5241,"_5242":5243,"_5246":5247,"_1836":1837},"Business insurance guides","breadcrumbs",{"_1799":5244},{"_13":1804,"_1805":1809,"_1807":5245},"7ttl49MUIjKtzDMlWBjYha","primaryContent",{"_1941":1942,"_1943":5248,"_49":5249},{},[5250,5257],{"_1941":5251,"_1943":5252,"_49":5253},"heading-1",{},[5254],{"_1941":1951,"_1952":5241,"_1954":5255,"_1943":5256},[],{},{"_1941":1947,"_1943":5258,"_49":5259},{},[5260],{"_1941":1951,"_1952":5261,"_1954":5262,"_1943":5263},"Explore your insurance options to keep your business and team fully protected.",[],{},"3T7cEGE9QcC3Op1iF3NRmF",{"_1793":5266,"_1799":5269,"_1833":5281},{"_1795":5267,"_1797":5268},[],[],{"_1801":5270,"_13":1809,"_1807":5264,"_1811":5272,"_1816":5274,"_1818":5275,"_1820":5276,"_1822":5276,"_1823":5277,"_1825":5278,"_1779":5279,"_1831":1832},{"_1799":5271},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5273},{"_13":1804,"_1805":1814,"_1807":2451},108,"2021-11-15T11:13:27.272Z","2026-05-22T12:32:24.582Z","2021-11-15T11:14:06.246Z",141,{"_1799":5280},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5282,"_1836":1837,"_2459":192,"_2461":1277,"_2462":5283},"Business - 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Our team of professional writers, editors and fact checkers ensure all guides and content uphold our values of being inclusive, unbiased, and accurate. ",{"_1943":5425,"_49":5426,"_1941":1947},{},[5427,5431,5435],{"_1943":5428,"_1954":5429,"_1952":5430,"_1941":1951},{},[],"Our financial writers have years of experience and check and update our guides before publication to make sure the facts in them are accurate. Where key facts change, such as the Bank of England base rate, the team will review, amend and update, and this will be reflected in the ‘edited by’",{"_1943":5432,"_1954":5433,"_1952":2890,"_1941":1951},{},[5434],{"_13":3145},{"_1943":5436,"_1954":5437,"_1952":5438,"_1941":1951},{},[],"date. Where possible, our writers and editors also seek additional sources of information to confirm the statements in their articles and will cite these in the footnotes.",{"_1943":5440,"_49":5441,"_1941":1947},{},[5442,5446,5454],{"_1943":5443,"_1954":5444,"_1952":5445,"_1941":1951},{},[],"You can see ",{"_1943":5447,"_49":5449,"_1941":2284},{"_2275":5448},"/editorial-policy",[5450],{"_1943":5451,"_1954":5452,"_1952":5453,"_1941":1951},{},[],"our editorial policy",{"_1943":5455,"_1954":5456,"_1952":5457,"_1941":1951},{},[]," here.\n\n",{"_1943":5459,"_49":5460,"_1941":1947},{},[5461],{"_1943":5462,"_1954":5463,"_1952":9,"_1941":1951},{},[],{"_1793":5465,"_1799":5468,"_1833":5479},{"_1795":5466,"_1797":5467},[],[],{"_1801":5469,"_13":1809,"_1807":3868,"_1811":5471,"_1816":3846,"_1818":5473,"_1820":5474,"_1822":5475,"_1823":5476,"_1825":3041,"_1779":5477,"_1831":1832},{"_1799":5470},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5472},{"_13":1804,"_1805":1814,"_1807":1928},"2025-04-10T09:54:20.042Z","2026-05-22T09:09:29.541Z","2026-03-17T18:20:52.112Z","2025-04-17T12:52:55.925Z",{"_1799":5478},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5480,"_1938":5481,"_49":5482,"_1836":1837},"Gather your documents","4. Prepare your documents",{"_1941":1942,"_1943":5483,"_49":5484},{},[5485,5492,5499],{"_1941":1947,"_1943":5486,"_49":5487},{},[5488],{"_1941":1951,"_1952":5489,"_1954":5490,"_1943":5491},"Prepare your business details like your turnover, registered address, company registration number and unique taxpayer reference.",[],{},{"_1941":1947,"_1943":5493,"_49":5494},{},[5495],{"_1941":1951,"_1952":5496,"_1954":5497,"_1943":5498},"Providers will also ask you for personal details like your home address, and you'll need proof of your identification.",[],{},{"_1941":1947,"_1943":5500,"_49":5501},{},[5502],{"_1941":1951,"_1952":9,"_1954":5503,"_1943":5504},[],{},"3dMQFuFwL6BTIow6LidVW5",{"_1793":5507,"_1799":5510,"_1833":5519},{"_1795":5508,"_1797":5509},[],[],{"_1801":5511,"_13":1809,"_1807":5505,"_1811":5513,"_1816":2036,"_1818":5515,"_1820":5516,"_1779":5517,"_1831":1832},{"_1799":5512},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5514},{"_13":1804,"_1805":1814,"_1807":1928},"2026-05-21T11:56:48.628Z","2026-05-21T12:08:37.498Z",{"_1799":5518},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5520,"_1938":5520,"_2043":5521,"_49":5524,"_1836":1837},"Scaling your business",{"_1799":5522},{"_13":1804,"_1805":2046,"_1807":5523},"6XvxO4NW0cg4TJrPXJe3fw",{"_1943":5525,"_49":5526,"_1941":1942},{},[5527,5534],{"_1943":5528,"_49":5529,"_1941":1947},{},[5530],{"_1943":5531,"_1954":5532,"_1952":5533,"_1941":1951},{},[],"If your business is growing and you want to use your card for increased spending, a card with a higher limit might be best for you. ",{"_1943":5535,"_49":5536,"_1941":1947},{},[5537],{"_1943":5538,"_1954":5539,"_1952":5540,"_1941":1951},{},[],"You could consider a card with accounting integrations, which also offers the option to have multiple cards for your employees.","3dYPrLudzHp9TnjmXLCwM",{"_1793":5543,"_1799":5546,"_1833":5558},{"_1795":5544,"_1797":5545},[],[],{"_1801":5547,"_13":1809,"_1807":5541,"_1811":5549,"_1816":5551,"_1818":5552,"_1820":5553,"_1822":5553,"_1823":5554,"_1825":5555,"_1779":5556,"_1831":1832},{"_1799":5548},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5550},{"_13":1804,"_1805":1814,"_1807":2354},32,"2023-05-16T14:30:50.054Z","2026-05-20T12:49:32.750Z","2023-05-18T13:04:21.637Z",77,{"_1799":5557},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5559,"_1836":1837,"_1984":5560,"_2365":5561,"_2440":1786},"Platinum - Business current accounts - Sticky Nav","sticky-nav",{"_5562":5563},"sections",[5564,5568,5572,5576,5580],{"_1815":5565,"_47":5566,"_1807":5567},"Platinum - business bank account - at a glance","At a glance","59CSAthniFl4YlHk4DHSBg",{"_1815":5569,"_47":5570,"_1807":5571},"Platinum - Business current accounts - What to look for in a business bank account","What to look for","uBUWUf9XgCtl6klUtuIfr",{"_1815":5573,"_47":5574,"_1807":5575},"Platinum - Business current accounts - How to compare ","How to compare","3uxscYf39N8Zv9CWAR55OY",{"_1815":5577,"_47":5578,"_1807":5579},"Platinum - Business current accounts - What do you need?","What you need to apply","68C8zenar0UwR7yEUvEhJB",{"_1815":5581,"_47":5582,"_1807":5583},"Platinum - Business current accounts - FAQs","FAQs","5m0t0sKX9ECCfpMRHZLrmp","3iJuZSD4jffkLFgkKt5zIb",{"_1793":5586,"_1799":5589,"_1833":5599},{"_1795":5587,"_1797":5588},[],[],{"_1801":5590,"_13":1809,"_1807":5584,"_1811":5592,"_1816":3650,"_1818":5594,"_1820":5595,"_1822":5595,"_1823":5596,"_1825":2309,"_1779":5597,"_1831":1832},{"_1799":5591},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5593},{"_13":1804,"_1805":1814,"_1807":5098},"2025-02-03T10:25:53.095Z","2026-05-16T13:18:03.733Z","2025-02-13T17:13:19.704Z",{"_1799":5598},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5600,"_1836":1837,"_2043":5601,"_1951":5602,"_2089":5603},"Business loans forced journey benefits 3","number-three-circle","Apply and get a decision","Complete your application and receive a response in as little as 24 hours.","3jCpVNX3MByVZimSd3TgCb",{"_1793":5606,"_1799":5609,"_1833":5619},{"_1795":5607,"_1797":5608},[],[],{"_1801":5610,"_13":1809,"_1807":5604,"_1811":5612,"_1816":1817,"_1818":5614,"_1820":5615,"_1822":5615,"_1823":5616,"_1825":3846,"_1779":5617,"_1831":1832},{"_1799":5611},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5613},{"_13":1804,"_1805":1814,"_1807":2188},"2026-04-24T09:26:33.632Z","2026-05-16T13:18:03.833Z","2026-04-24T16:59:21.907Z",{"_1799":5618},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5620,"_49":5621,"_1836":1837},"Am I eligible?",{"_1799":5622},{"_13":1804,"_1805":1809,"_1807":5623},"kfsTKGyJA5kgJHhzh7a3F",{"_1793":5625,"_1799":5628,"_1833":5637},{"_1795":5626,"_1797":5627},[],[],{"_1801":5629,"_13":1809,"_1807":3730,"_1811":5631,"_1816":2036,"_1818":5633,"_1820":5634,"_1779":5635,"_1831":1832},{"_1799":5630},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5632},{"_13":1804,"_1805":1814,"_1807":1974},"2026-05-20T14:03:30.596Z","2026-05-20T15:14:47.130Z",{"_1799":5636},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5638,"_1836":1837,"_1984":1985,"_2137":5639,"_49":5654},"Business credit cards at a glance",{"_1943":5640,"_49":5641,"_1941":1942},{},[5642,5648],{"_1943":5643,"_49":5644,"_1941":2324},{},[5645],{"_1943":5646,"_1954":5647,"_1952":5638,"_1941":1951},{},[],{"_1943":5649,"_49":5650,"_1941":1947},{},[5651],{"_1943":5652,"_1954":5653,"_1952":9,"_1941":1951},{},[],{"_1941":1942,"_1943":5655,"_49":5656},{},[5657,5665,5688,5696,5719,5727,5750],{"_1941":1947,"_1943":5658,"_49":5659},{},[5660],{"_1941":1951,"_1952":5661,"_1954":5662,"_1943":5664},"Can I apply?",[5663],{"_13":2833},{},{"_1941":2819,"_1943":5666,"_49":5667},{},[5668,5678],{"_1941":2823,"_1943":5669,"_49":5670},{},[5671],{"_1941":1947,"_1943":5672,"_49":5673},{},[5674],{"_1941":1951,"_1952":5675,"_1954":5676,"_1943":5677},"Most business credit cards are available to companies of all sizes, so you can apply as a sole trader, a partnership or a limited company.",[],{},{"_1941":2823,"_1943":5679,"_49":5680},{},[5681],{"_1941":1947,"_1943":5682,"_49":5683},{},[5684],{"_1941":1951,"_1952":5685,"_1954":5686,"_1943":5687},"When deciding what to apply for, it’s best to choose a card that suits your company and profile.",[],{},{"_1941":1947,"_1943":5689,"_49":5690},{},[5691],{"_1941":1951,"_1952":5692,"_1954":5693,"_1943":5695},"Am I Eligible? ",[5694],{"_13":2833},{},{"_1941":2819,"_1943":5697,"_49":5698},{},[5699,5709],{"_1941":2823,"_1943":5700,"_49":5701},{},[5702],{"_1941":1947,"_1943":5703,"_49":5704},{},[5705],{"_1941":1951,"_1952":5706,"_1954":5707,"_1943":5708},"To get a business credit card, you typically need to be a UK-registered business, over 18 years old and have a good credit score.",[],{},{"_1941":2823,"_1943":5710,"_49":5711},{},[5712],{"_1941":1947,"_1943":5713,"_49":5714},{},[5715],{"_1941":1951,"_1952":5716,"_1954":5717,"_1943":5718},"Some providers offer soft eligibility checks to show your chances of approval before you apply (which won't impact your credit score).",[],{},{"_1941":1947,"_1943":5720,"_49":5721},{},[5722],{"_1941":1951,"_1952":5723,"_1954":5724,"_1943":5726},"How long will it take?",[5725],{"_13":2833},{},{"_1941":2819,"_1943":5728,"_49":5729},{},[5730,5740],{"_1941":2823,"_1943":5731,"_49":5732},{},[5733],{"_1941":1947,"_1943":5734,"_49":5735},{},[5736],{"_1941":1951,"_1952":5737,"_1954":5738,"_1943":5739},"Approval can range from an instant decision to a few days, depending on how quickly the provider completes your credit checks. ",[],{},{"_1941":2823,"_1943":5741,"_49":5742},{},[5743],{"_1941":1947,"_1943":5744,"_49":5745},{},[5746],{"_1941":1951,"_1952":5747,"_1954":5748,"_1943":5749},"Once you're approved, your card will generally arrive within 7-10 days, but virtual cards can be available immediately.",[],{},{"_1941":1947,"_1943":5751,"_49":5752},{},[5753],{"_1941":1951,"_1952":9,"_1954":5754,"_1943":5755},[],{},{"_1793":5757,"_1799":5760,"_1833":5771},{"_1795":5758,"_1797":5759},[],[],{"_1801":5761,"_13":1809,"_1807":4388,"_1811":5763,"_1816":1817,"_1818":5766,"_1820":5767,"_1822":5767,"_1823":5768,"_1825":1826,"_1779":5769,"_1831":1832},{"_1799":5762},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5764},{"_13":1804,"_1805":1814,"_1807":5765},"linkList","2024-08-14T15:19:30.491Z","2025-06-19T15:37:22.039Z","2024-08-16T08:37:03.162Z",{"_1799":5770},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5772,"_1836":1837,"_1938":5773,"_3614":5774},"Business - Guides - You may also like - Business credit cards","You may also like",[5775,5777,5780,5783,5785],{"_1799":5776},{"_13":1804,"_1805":1809,"_1807":2708},{"_1799":5778},{"_13":1804,"_1805":1809,"_1807":5779},"5Jgmgf3k9pTwikKGxNQGCV",{"_1799":5781},{"_13":1804,"_1805":1809,"_1807":5782},"4T8LwalL4lbPjvDlrkXxnM",{"_1799":5784},{"_13":1804,"_1805":1809,"_1807":4844},{"_1799":5786},{"_13":1804,"_1805":1809,"_1807":2198},"3q0PQcUj25hYubm8nnwzhl",{"_1793":5789,"_1799":5792,"_1833":5802},{"_1795":5790,"_1797":5791},[],[],{"_1801":5793,"_13":1809,"_1807":5787,"_1811":5795,"_1816":1826,"_1818":5797,"_1820":5798,"_1822":5798,"_1823":5799,"_1825":3949,"_1779":5800,"_1831":1832},{"_1799":5794},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5796},{"_13":1804,"_1805":1814,"_1807":1928},"2025-02-24T14:45:01.487Z","2026-02-17T12:06:38.572Z","2025-02-24T14:46:00.748Z",{"_1799":5801},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5803,"_1938":5804,"_49":5805,"_1836":1837},"Platinum - Business - Business Credit Cards - Interest-free","Are there any interest-free business credit cards?",{"_1941":1942,"_1943":5806,"_49":5807},{},[5808,5815,5822],{"_1941":1947,"_1943":5809,"_49":5810},{},[5811],{"_1941":1951,"_1952":5812,"_1954":5813,"_1943":5814},"Business credit cards in the UK typically aren’t fully interest-free, but many offer an interest-free period on purchases — usually between 20 and 56 days — as long as you pay the balance in full each month.",[],{},{"_1941":1947,"_1943":5816,"_49":5817},{},[5818],{"_1941":1951,"_1952":5819,"_1954":5820,"_1943":5821},"If you carry a balance beyond the due date, interest will apply, so it's important to clear the full amount to avoid charges. Always check the card’s terms to understand the interest-free period and any fees.",[],{},{"_1941":1947,"_1943":5823,"_49":5824},{},[5825,5829,5833,5836,5844],{"_1941":1951,"_1952":5826,"_1954":5827,"_1943":5828},"Choosing a card with a generous interest-free window can help ",[],{},{"_1941":1951,"_1952":5830,"_1954":5831,"_1943":5832},"free up",[],{},{"_1941":1951,"_1952":2890,"_1954":5834,"_1943":5835},[],{},{"_1941":2284,"_1943":5837,"_49":5839},{"_2275":5838},"https://www.money.co.uk/business/guides/what-is-working-capital",[5840],{"_1941":1951,"_1952":5841,"_1954":5842,"_1943":5843},"working capital",[],{},{"_1941":1951,"_1952":5845,"_1954":5846,"_1943":5847},", especially when spreading the cost of large purchases.",[],{},"3uGVJMHgLuZVxyuW9kI1Fh",{"_1793":5850,"_1799":5853,"_1833":5863},{"_1795":5851,"_1797":5852},[],[],{"_1801":5854,"_13":1809,"_1807":5848,"_1811":5856,"_1816":3846,"_1818":5858,"_1820":5859,"_1822":5859,"_1823":5860,"_1825":3041,"_1779":5861,"_1831":1832},{"_1799":5855},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5857},{"_13":1804,"_1805":1814,"_1807":1928},"2025-12-04T10:53:56.846Z","2026-05-16T13:18:04.970Z","2025-12-04T10:55:14.779Z",{"_1799":5862},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5864,"_1938":5865,"_49":5866,"_1836":1837},"Platinum - business loans - FAQ 11","Can I apply for a business loan if my company isn’t profitable yet?",{"_1943":5867,"_49":5868,"_1941":1942},{},[5869],{"_1943":5870,"_49":5871,"_1941":1947},{},[5872],{"_1943":5873,"_1954":5874,"_1952":5875,"_1941":1951},{},[],"Yes, you can, but your options may be more limited. Lenders will look at factors beyond profits, such as your personal credit history, projected cash flow, and the strength of your business plan. Some loans may require collateral or a guarantor to secure funding, while unsecured loans will place more emphasis on your creditworthiness and available funds. Having a solid plan and clear projections can improve your chances of approval.",{"_1793":5877,"_1799":5880,"_1833":5890},{"_1795":5878,"_1797":5879},[],[],{"_1801":5881,"_13":1809,"_1807":5575,"_1811":5883,"_1816":5206,"_1818":5885,"_1820":5886,"_1822":5886,"_1823":5887,"_1825":5551,"_1779":5888,"_1831":1832},{"_1799":5882},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5884},{"_13":1804,"_1805":1814,"_1807":2354},"2023-05-16T13:41:35.456Z","2026-04-29T09:42:14.753Z","2023-05-16T13:46:08.265Z",{"_1799":5889},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5573,"_1836":1837,"_1984":5891,"_2365":5892,"_2440":1786},"card-carousel",{"_1938":5893,"_5894":59,"_5895":5896,"_5897":5898},"How to compare business bank accounts","showSubHeader","subHeaderContent","When comparing business accounts, consider the following factors:","cards",[5899,5906,5909,5913,5917],{"_5900":1938,"_1938":5901,"_5902":5903,"_5904":5901,"_2043":5905},"iconPlacement","Fees and charges","bodyText","Check for monthly maintenance fees, transaction costs, and any charges for specific services – cash withdrawals or account management, for example. These can add up over time, so understand all potential costs upfront.","plainText","number-one-circle",{"_5900":1938,"_1938":5907,"_5902":5908,"_5904":5907,"_2043":5106},"Transaction limits","Review any limits on transactions, such as the number of free deposits or withdrawals per month. Going over these limits may result in additional charges, so make sure they align with your business's transaction volume.",{"_5900":1938,"_1938":5910,"_5902":5911,"_5904":5912,"_2043":5601},"Overdraft","If your business requires access to additional funds, compare the terms of the overdraft facility offered, including interest rates, fees, and repayment terms. Make sure the overdraft limit and conditions match your financial needs.","Overdraft facility",{"_5900":1938,"_1938":5914,"_5902":5915,"_5904":5914,"_2043":5916},"Online banking features","Evaluate the user-friendliness of the bank's online banking system, mobile apps, and other digital tools. Look for features that can help you manage your business more efficiently, such as mobile deposits, expense tracking, or automated payments.","number-four-circle",{"_5900":1938,"_1938":5918,"_5902":5919,"_5904":5918,"_2043":5920},"Additional services","Consider any extra services that could add value to your business, such as invoicing tools, integration with accounting software, multi-currency accounts, or the option for a business credit card. 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A strong idea, a clear customer need and a practical plan can help you move from a plan in practice to your very first sale. 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Try to ensure that your product or service solves a problem, and ",[],{},{"_1941":2284,"_1943":8066,"_49":8068},{"_2275":8067},"/business/guides/how-to-validate-a-business-idea",[8069],{"_1941":1951,"_1952":8070,"_1954":8071,"_1943":8073},"validate your idea",[8072],{"_13":2282},{},{"_1941":1951,"_1952":8075,"_1954":8076,"_1943":8077}," to gain confidence before moving forward",[],{},{"_1941":1947,"_1943":8079,"_49":8080},{},[8081,8085,8094],{"_1941":1951,"_1952":8082,"_1954":8083,"_1943":8084},"If you're considering an online business, check out our step-by-step guide on ",[],{},{"_1941":2284,"_1943":8086,"_49":8088},{"_2275":8087},"/business/guides/how-to-start-an-online-business",[8089],{"_1941":1951,"_1952":8090,"_1954":8091,"_1943":8093},"how to start an online business",[8092],{"_13":2282},{},{"_1941":1951,"_1952":2506,"_1954":8095,"_1943":8096},[],{},{"_1941":1996,"_1943":8098,"_49":8101},{"_1991":8099},{"_1799":8100},{"_1807":6875,"_13":1804,"_1805":1809},[],{"_1941":2008,"_1943":8103,"_49":8104},{},[8105],{"_1941":1951,"_1952":8106,"_1954":8107,"_1943":8108},"2. 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Consider their disposable income and determine whether you can charge enough to cover your time and make a profit.",[],{},{"_1941":2008,"_1943":8143,"_49":8144},{},[8145],{"_1941":1951,"_1952":8146,"_1954":8147,"_1943":8148},"3. Check out the competition",[],{},{"_1941":1947,"_1943":8150,"_49":8151},{},[8152],{"_1941":1951,"_1952":8153,"_1954":8154,"_1943":8155},"Look online to see if anyone else has had the same or a similar idea to yours. Most businesses aren't wholly unique, but if similar products or services exist, you'll need something to make yours stand out from the crowd. ",[],{},{"_1941":1947,"_1943":8157,"_49":8158},{},[8159],{"_1941":1951,"_1952":8160,"_1954":8161,"_1943":8162},"You might be able to achieve this with cheaper pricing, improvements in quality, better customer service or a new twist or innovation.",[],{},{"_1941":2008,"_1943":8164,"_49":8165},{},[8166],{"_1941":1951,"_1952":8167,"_1954":8168,"_1943":8169},"4. 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Create a business plan",[],{},{"_1941":1947,"_1943":8213,"_49":8214},{},[8215,8219,8228],{"_1941":1951,"_1952":8216,"_1954":8217,"_1943":8218},"Use all this research to ",[],{},{"_1941":2284,"_1943":8220,"_49":8222},{"_2275":8221},"/business/guides/how-to-write-a-business-plan",[8223],{"_1941":1951,"_1952":8224,"_1954":8225,"_1943":8227},"create a proper business plan",[8226],{"_13":2282},{},{"_1941":1951,"_1952":8229,"_1954":8230,"_1943":8231},": a written document that describes your business and outlines its future. It should include important information such as how much turnover you expect to make in the short and medium term and your strategy for achieving this.",[],{},{"_1941":1947,"_1943":8233,"_49":8234},{},[8235,8239,8248],{"_1941":1951,"_1952":8236,"_1954":8237,"_1943":8238},"All business plans need to contain ",[],{},{"_1941":2284,"_1943":8240,"_49":8242},{"_2275":8241},"/business/guides/key-business-plan-sections",[8243],{"_1941":1951,"_1952":8244,"_1954":8245,"_1943":8247},"several key sections",[8246],{"_13":2282},{},{"_1941":1951,"_1952":8249,"_1954":8250,"_1943":8251},", including: ",[],{},{"_1941":2819,"_1943":8253,"_49":8254},{},[8255,8289,8304,8319,8334,8349,8364,8379,8394,8409],{"_1941":2823,"_1943":8256,"_49":8257},{},[8258],{"_1941":1947,"_1943":8259,"_49":8260},{},[8261,8266,8271,8281,8285],{"_1941":1951,"_1952":8262,"_1954":8263,"_1943":8265},"A",[8264],{"_13":2833},{},{"_1941":1951,"_1952":8267,"_1954":8268,"_1943":8270},"n ",[8269],{"_13":2833},{},{"_1941":2284,"_1943":8272,"_49":8274},{"_2275":8273},"/business/guides/business-plan-executive-summary",[8275],{"_1941":1951,"_1952":8276,"_1954":8277,"_1943":8280},"executive summary",[8278,8279],{"_13":2282},{"_13":2833},{},{"_1941":1951,"_1952":2890,"_1954":8282,"_1943":8284},[8283],{"_13":2833},{},{"_1941":1951,"_1952":8286,"_1954":8287,"_1943":8288},"- think of this as your elevator pitch",[],{},{"_1941":2823,"_1943":8290,"_49":8291},{},[8292],{"_1941":1947,"_1943":8293,"_49":8294},{},[8295,8300],{"_1941":1951,"_1952":8296,"_1954":8297,"_1943":8299},"Company information",[8298],{"_13":2833},{},{"_1941":1951,"_1952":8301,"_1954":8302,"_1943":8303}," - what's your business? How is it structured?",[],{},{"_1941":2823,"_1943":8305,"_49":8306},{},[8307],{"_1941":1947,"_1943":8308,"_49":8309},{},[8310,8315],{"_1941":1951,"_1952":8311,"_1954":8312,"_1943":8314},"Owner information",[8313],{"_13":2833},{},{"_1941":1951,"_1952":8316,"_1954":8317,"_1943":8318}," - information about you, your partners and anyone else that makes up the ownership of the business ",[],{},{"_1941":2823,"_1943":8320,"_49":8321},{},[8322],{"_1941":1947,"_1943":8323,"_49":8324},{},[8325,8330],{"_1941":1951,"_1952":8326,"_1954":8327,"_1943":8329},"Market research",[8328],{"_13":2833},{},{"_1941":1951,"_1952":8331,"_1954":8332,"_1943":8333}," - who are your customers, what do they need and what does the wider market look like?",[],{},{"_1941":2823,"_1943":8335,"_49":8336},{},[8337],{"_1941":1947,"_1943":8338,"_49":8339},{},[8340,8345],{"_1941":1951,"_1952":8341,"_1954":8342,"_1943":8344},"Marketing strategies",[8343],{"_13":2833},{},{"_1941":1951,"_1952":8346,"_1954":8347,"_1943":8348}," - how will you promote your business and attract customers?",[],{},{"_1941":2823,"_1943":8350,"_49":8351},{},[8352],{"_1941":1947,"_1943":8353,"_49":8354},{},[8355,8360],{"_1941":1951,"_1952":8356,"_1954":8357,"_1943":8359},"Competitor analysis",[8358],{"_13":2833},{},{"_1941":1951,"_1952":8361,"_1954":8362,"_1943":8363}," - who else serves your market and how will your business stand out?",[],{},{"_1941":2823,"_1943":8365,"_49":8366},{},[8367],{"_1941":1947,"_1943":8368,"_49":8369},{},[8370,8375],{"_1941":1951,"_1952":8371,"_1954":8372,"_1943":8374},"Product and service design",[8373],{"_13":2833},{},{"_1941":1951,"_1952":8376,"_1954":8377,"_1943":8378}," - what will you sell, how will it work and why will customers value it?",[],{},{"_1941":2823,"_1943":8380,"_49":8381},{},[8382],{"_1941":1947,"_1943":8383,"_49":8384},{},[8385,8390],{"_1941":1951,"_1952":8386,"_1954":8387,"_1943":8389},"Development plans",[8388],{"_13":2833},{},{"_1941":1951,"_1952":8391,"_1954":8392,"_1943":8393}," - how do you plan to launch and grow the business over time?",[],{},{"_1941":2823,"_1943":8395,"_49":8396},{},[8397],{"_1941":1947,"_1943":8398,"_49":8399},{},[8400,8405],{"_1941":1951,"_1952":8401,"_1954":8402,"_1943":8404},"Operations and logistics plans",[8403],{"_13":2833},{},{"_1941":1951,"_1952":8406,"_1954":8407,"_1943":8408}," - how will the business run day to day - from suppliers and stock to delivery and customer service?",[],{},{"_1941":2823,"_1943":8410,"_49":8411},{},[8412],{"_1941":1947,"_1943":8413,"_49":8414},{},[8415,8419,8429,8433],{"_1941":1951,"_1952":9,"_1954":8416,"_1943":8418},[8417],{"_13":2833},{},{"_1941":2284,"_1943":8420,"_49":8422},{"_2275":8421},"/business/guides/business-plan-financial-projections",[8423],{"_1941":1951,"_1952":8424,"_1954":8425,"_1943":8428},"Financial information",[8426,8427],{"_13":2282},{"_13":2833},{},{"_1941":1951,"_1952":2890,"_1954":8430,"_1943":8432},[8431],{"_13":2833},{},{"_1941":1951,"_1952":8434,"_1954":8435,"_1943":8436},"- including start up costs and pricing, to day-to-day operations",[],{},{"_1941":1947,"_1943":8438,"_49":8439},{},[8440,8444,8453],{"_1941":1951,"_1952":8441,"_1954":8442,"_1943":8443},"The Prince's Trust has a helpful ",[],{},{"_1941":2284,"_1943":8445,"_49":8447},{"_2275":8446},"https://www.princes-trust.org.uk/how-we-can-help/tools-resources/business-tools/business-plans",[8448],{"_1941":1951,"_1952":8449,"_1954":8450,"_1943":8452},"template",[8451],{"_13":2282},{},{"_1941":1951,"_1952":8454,"_1954":8455,"_1943":8456}," to get you started.",[],{},{"_1941":2324,"_1943":8458,"_49":8459},{},[8460],{"_1941":1951,"_1952":8461,"_1954":8462,"_1943":8463},"How to name your business",[],{},{"_1941":1947,"_1943":8465,"_49":8466},{},[8467],{"_1941":1951,"_1952":8468,"_1954":8469,"_1943":8470},"Now you have a plan, it's time to get creative. ",[],{},{"_1941":1947,"_1943":8472,"_49":8473},{},[8474],{"_1941":1951,"_1952":8475,"_1954":8476,"_1943":8477},"You want to come up with an original business name that helps sell your goods and services. Check online to see what similar businesses have called themselves, and try to choose something that stands out.",[],{},{"_1941":1947,"_1943":8479,"_49":8480},{},[8481],{"_1941":1951,"_1952":8482,"_1954":8483,"_1943":8484},"Limited companies also have to register their business name, which provides some protection, but whatever type of business you set up, you should consider trademarking to protect your brand. ",[],{},{"_1941":1947,"_1943":8486,"_49":8487},{},[8488,8492,8501],{"_1941":1951,"_1952":8489,"_1954":8490,"_1943":8491},"Trademarking will prevent other businesses from stealing your intellectual property, including slogans, brand names, logos, etc. To find out more, read our ",[],{},{"_1941":2284,"_1943":8493,"_49":8495},{"_2275":8494},"/business/guides/how-to-register-a-trademark",[8496],{"_1941":1951,"_1952":8497,"_1954":8498,"_1943":8500},"guide to trademarking",[8499],{"_13":2282},{},{"_1941":1951,"_1952":2506,"_1954":8502,"_1943":8503},[],{},{"_1941":8505,"_1943":8506,"_49":8507},"blockquote",{},[8508],{"_1941":1947,"_1943":8509,"_49":8510},{},[8511,8516,8524],{"_1941":1951,"_1952":8512,"_1954":8513,"_1943":8515},"Case study: ",[8514],{"_13":2833},{},{"_1941":2284,"_1943":8517,"_49":8519},{"_2275":8518},"/business/case-studies/hay-events",[8520],{"_1941":1951,"_1952":8521,"_1954":8522,"_1943":8523},"Meet Tinique: the events expert who turned a ‘lightbulb moment’ into a successful business",[],{},{"_1941":1951,"_1952":9,"_1954":8525,"_1943":8526},[],{},{"_1941":2324,"_1943":8528,"_49":8529},{},[8530],{"_1941":1951,"_1952":8531,"_1954":8532,"_1943":8533},"How to register a business",[],{},{"_1941":1947,"_1943":8535,"_49":8536},{},[8537],{"_1941":1951,"_1952":8538,"_1954":8539,"_1943":8540},"Once you've decided which type of company to set up and you have a name, you'll need to register it. ",[],{},{"_1941":1947,"_1943":8542,"_49":8543},{},[8544],{"_1941":1951,"_1952":8545,"_1954":8546,"_1943":8547},"The process differs depending on the type of company structure you choose. There are three main options: ",[],{},{"_1941":2819,"_1943":8549,"_49":8550},{},[8551,8565,8575],{"_1941":2823,"_1943":8552,"_49":8553},{},[8554],{"_1941":1947,"_1943":8555,"_49":8556},{},[8557,8561],{"_1941":1951,"_1952":8558,"_1954":8559,"_1943":8560},"S",[],{},{"_1941":1951,"_1952":8562,"_1954":8563,"_1943":8564},"ole trader",[],{},{"_1941":2823,"_1943":8566,"_49":8567},{},[8568],{"_1941":1947,"_1943":8569,"_49":8570},{},[8571],{"_1941":1951,"_1952":8572,"_1954":8573,"_1943":8574},"Limited company",[],{},{"_1941":2823,"_1943":8576,"_49":8577},{},[8578],{"_1941":1947,"_1943":8579,"_49":8580},{},[8581,8585],{"_1941":1951,"_1952":8582,"_1954":8583,"_1943":8584},"L",[],{},{"_1941":1951,"_1952":8586,"_1954":8587,"_1943":8588},"imited liability partnership. ",[],{},{"_1941":1947,"_1943":8590,"_49":8591},{},[8592,8596,8605],{"_1941":1951,"_1952":8593,"_1954":8594,"_1943":8595},"Read our ",[],{},{"_1941":2284,"_1943":8597,"_49":8599},{"_2275":8598},"/business/guides/sole-trader-vs-limited-company",[8600],{"_1941":1951,"_1952":8601,"_1954":8602,"_1943":8604},"Sole trader vs limited company guide",[8603],{"_13":2282},{},{"_1941":1951,"_1952":8606,"_1954":8607,"_1943":8608}," to find out which is right for you and the first steps to take to get started.",[],{},{"_1941":2324,"_1943":8610,"_49":8611},{},[8612],{"_1941":1951,"_1952":8613,"_1954":8614,"_1943":8615},"How much does it cost to start a business?",[],{},{"_1941":1947,"_1943":8617,"_49":8618},{},[8619,8622,8630],{"_1941":1951,"_1952":9,"_1954":8620,"_1943":8621},[],{},{"_1941":2284,"_1943":8623,"_49":8625},{"_2275":8624},"/business/guides/startup-costs",[8626],{"_1941":1951,"_1952":8627,"_1954":8628,"_1943":8629},"The cost of setting up a business",[],{},{"_1941":1951,"_1952":8631,"_1954":8632,"_1943":8633}," varies greatly depending on your industry, the type of business you want to start, and what you need to get started. ",[],{},{"_1941":1947,"_1943":8635,"_49":8636},{},[8637],{"_1941":1951,"_1952":8638,"_1954":8639,"_1943":8640},"Many businesses require nothing more than a computer and a wi-fi connection, such as freelance writing, bookkeeping or being an e-book novelist. ",[],{},{"_1941":1947,"_1943":8642,"_49":8643},{},[8644],{"_1941":1951,"_1952":8645,"_1954":8646,"_1943":8647},"Some jobs require some goods or materials to get started, such as wool for a knitting business or supplies for a cleaning business. ",[],{},{"_1941":1947,"_1943":8649,"_49":8650},{},[8651],{"_1941":1951,"_1952":8652,"_1954":8653,"_1943":8654},"Some enterprises have much larger overheads, such as offices, factories or heavy equipment.",[],{},{"_1941":1947,"_1943":8656,"_49":8657},{},[8658,8662,8669],{"_1941":1951,"_1952":8659,"_1954":8660,"_1943":8661},"Many entrepreneurs either self-fund their new business or ",[],{},{"_1941":2284,"_1943":8663,"_49":8664},{"_2275":286},[8665],{"_1941":1951,"_1952":8666,"_1954":8667,"_1943":8668},"seek investment",[],{},{"_1941":1951,"_1952":8670,"_1954":8671,"_1943":8672}," from friends and family. However, if additional start-up capital is required, numerous options are available. Most fall into three categories: ",[],{},{"_1941":2819,"_1943":8674,"_49":8675},{},[8676,8686,8696],{"_1941":2823,"_1943":8677,"_49":8678},{},[8679],{"_1941":1947,"_1943":8680,"_49":8681},{},[8682],{"_1941":1951,"_1952":8683,"_1954":8684,"_1943":8685},"Loans that require repayment",[],{},{"_1941":2823,"_1943":8687,"_49":8688},{},[8689],{"_1941":1947,"_1943":8690,"_49":8691},{},[8692],{"_1941":1951,"_1952":8693,"_1954":8694,"_1943":8695},"Grants that do not",[],{},{"_1941":2823,"_1943":8697,"_49":8698},{},[8699],{"_1941":1947,"_1943":8700,"_49":8701},{},[8702],{"_1941":1951,"_1952":8703,"_1954":8704,"_1943":8705},"Funding from investors in exchange for equity",[],{},{"_1941":1947,"_1943":8707,"_49":8708},{},[8709,8712,8721],{"_1941":1951,"_1952":9,"_1954":8710,"_1943":8711},[],{},{"_1941":2284,"_1943":8713,"_49":8715},{"_2275":8714},"/business/guides/how-to-get-funding-for-a-business",[8716],{"_1941":1951,"_1952":8717,"_1954":8718,"_1943":8720},"Read our in-depth guide to business funding options to learn more",[8719],{"_13":2282},{},{"_1941":1951,"_1952":9,"_1954":8722,"_1943":8723},[],{},{"_1941":2324,"_1943":8725,"_49":8726},{},[8727],{"_1941":1951,"_1952":8728,"_1954":8729,"_1943":8730},"Tax",[],{},{"_1941":1947,"_1943":8732,"_49":8733},{},[8734],{"_1941":1951,"_1952":8735,"_1954":8736,"_1943":8737},"Taxes and finances are a huge part of running your own business. Self-employed individuals must complete a personal tax return each year. ",[],{},{"_1941":1947,"_1943":8739,"_49":8740},{},[8741,8745,8753],{"_1941":1951,"_1952":8742,"_1954":8743,"_1943":8744},"Depending on the nature of your company, how much it makes, and whether you have employees, you may also need to consider national insurance contributions, ",[],{},{"_1941":2284,"_1943":8746,"_49":8748},{"_2275":8747},"/business/guides/vat-explained",[8749],{"_1941":1951,"_1952":8750,"_1954":8751,"_1943":8752},"VAT registration",[],{},{"_1941":1951,"_1952":8754,"_1954":8755,"_1943":8756},", corporation tax, workplace pensions and more.",[],{},{"_1941":1947,"_1943":8758,"_49":8759},{},[8760,8764,8772],{"_1941":1951,"_1952":8761,"_1954":8762,"_1943":8763},"You should also keep comprehensive records, including all your sales and expenses receipts. Hiring an accountant will cost money, but they can help you ",[],{},{"_1941":2284,"_1943":8765,"_49":8767},{"_2275":8766},"/business/guides/small-business-tax-relief",[8768],{"_1941":1951,"_1952":8769,"_1954":8770,"_1943":8771},"navigate all your responsibilities",[],{},{"_1941":1951,"_1952":8773,"_1954":8774,"_1943":8775}," and ensure that you comply with UK legislation. ",[],{},{"_1941":1947,"_1943":8777,"_49":8778},{},[8779,8783,8791],{"_1941":1951,"_1952":8780,"_1954":8781,"_1943":8782},"HMRC are now rolling out Making Tax Digital (MTD), meaning if you earn over a certain amount in a given year you need to keep digital records that link up to HMRC through compatible software and report quarterly. Read more in our detailed guide to MTD ",[],{},{"_1941":2284,"_1943":8784,"_49":8786},{"_2275":8785},"/business/making-tax-digital",[8787],{"_1941":1951,"_1952":8788,"_1954":8789,"_1943":8790},"here",[],{},{"_1941":1951,"_1952":8792,"_1954":8793,"_1943":8794},". 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",[],{},{"_1941":1947,"_1943":9694,"_49":9695},{},[9696],{"_1941":1951,"_1952":9697,"_1954":9698,"_1943":9699},"The amount your business can borrow will depend on a range of factors, including: ",[],{},{"_1941":2819,"_1943":9701,"_49":9702},{},[9703,9713,9723],{"_1941":2823,"_1943":9704,"_49":9705},{},[9706],{"_1941":1947,"_1943":9707,"_49":9708},{},[9709],{"_1941":1951,"_1952":9710,"_1954":9711,"_1943":9712},"Your business credit history",[],{},{"_1941":2823,"_1943":9714,"_49":9715},{},[9716],{"_1941":1947,"_1943":9717,"_49":9718},{},[9719],{"_1941":1951,"_1952":9720,"_1954":9721,"_1943":9722},"Business turnover ",[],{},{"_1941":2823,"_1943":9724,"_49":9725},{},[9726],{"_1941":1947,"_1943":9727,"_49":9728},{},[9729],{"_1941":1951,"_1952":9730,"_1954":9731,"_1943":9732},"Length of loan",[],{},{"_1941":1947,"_1943":9734,"_49":9735},{},[9736],{"_1941":1951,"_1952":9737,"_1954":9738,"_1943":9739},"For smaller businesses, lenders will typically offer loans worth up to £500,000. ",[],{},{"_1941":1947,"_1943":9741,"_49":9742},{},[9743],{"_1941":1951,"_1952":9744,"_1954":9745,"_1943":9746},"Larger businesses with higher turnover are generally more likely to be accepted for loans over £1 million, but this varies depending on the lender and the business’s eligibility.",[],{},{"_1941":1996,"_1943":9748,"_49":9752},{"_1991":9749},{"_1799":9750},{"_1807":9751,"_13":1804,"_1805":1809},"7tKpJDd821BsPqlRnlCPY8",[],{"_1941":2008,"_1943":9754,"_49":9755},{},[9756],{"_1941":1951,"_1952":9,"_1954":9757,"_1943":9758},[],{},{"_1941":2008,"_1943":9760,"_49":9761},{},[9762],{"_1941":1951,"_1952":9763,"_1954":9764,"_1943":9765},"Potential repayments:",[],{},{"_1941":1947,"_1943":9767,"_49":9768},{},[9769],{"_1941":1951,"_1952":9770,"_1954":9771,"_1943":9772},"Below are three examples² of how much business loans could cost with different terms and rates:\n",[],{},{"_1941":1996,"_1943":9774,"_49":9778},{"_1991":9775},{"_1799":9776},{"_1807":9777,"_13":1804,"_1805":1809},"7CIlCIBfQ8UtN9vTm5wEsb",[],{"_1941":1947,"_1943":9780,"_49":9781},{},[9782,9786,9793],{"_1941":1951,"_1952":9783,"_1954":9784,"_1943":9785},"Use our ",[],{},{"_1941":2284,"_1943":9787,"_49":9788},{"_2275":4901},[9789],{"_1941":1951,"_1952":9790,"_1954":9791,"_1943":9792},"loan calculator",[],{},{"_1941":1951,"_1952":9794,"_1954":9795,"_1943":9796}," to find out how much a business loan could cost you each month.",[],{},{"_1793":9798,"_1799":9801,"_1833":9811},{"_1795":9799,"_1797":9800},[],[],{"_1801":9802,"_13":1809,"_1807":6690,"_1811":9804,"_1816":2080,"_1818":9806,"_1820":9807,"_1822":9807,"_1823":9808,"_1825":2212,"_1779":9809,"_1831":1832},{"_1799":9803},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":9805},{"_13":1804,"_1805":1814,"_1807":2127},"2026-04-20T10:37:42.819Z","2026-04-24T16:59:23.252Z","2026-04-21T09:21:31.276Z",{"_1799":9810},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":9812,"_1836":1837,"_2137":9813,"_2165":2166,"_2167":9840,"_2175":59,"_2176":16,"_2177":222},"Business loans - 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business loans - FAQ 10","Can I use a business loan for any business purpose?",{"_1943":9930,"_49":9931,"_1941":1942},{},[9932,9939,9958],{"_1943":9933,"_49":9934,"_1941":1947},{},[9935],{"_1943":9936,"_1954":9937,"_1952":9938,"_1941":1951},{},[],"Not always. Many business loans are flexible and can be used for a wide range of purposes, such as managing cash flow, purchasing equipment, hiring staff, or funding growth. However, some products come with conditions on how the funds can be used. ",{"_1943":9940,"_49":9941,"_1941":1947},{},[9942,9946,9954],{"_1943":9943,"_1954":9944,"_1952":9945,"_1941":1951},{},[],"For example, equipment financing must be used specifically to buy equipment, commercial mortgages are limited to purchasing or refinancing property, and ",{"_1943":9947,"_49":9949,"_1941":2284},{"_2275":9948},"https://www.money.co.uk/business/business-loans/invoice-finance",[9950],{"_1943":9951,"_1954":9952,"_1952":9953,"_1941":1951},{},[],"invoice financing",{"_1943":9955,"_1954":9956,"_1952":9957,"_1941":1951},{},[]," is tied to the value of your unpaid invoices. Government-backed loans or grants may also require spending in approved areas, such as sustainability, training, or innovation. ",{"_1943":9959,"_49":9960,"_1941":1947},{},[9961],{"_1943":9962,"_1954":9963,"_1952":9964,"_1941":1951},{},[],"Lenders will not allow loan funds to be used for illegal activities, and doing so could have serious legal consequences. Funds also should not be used for personal spending or high-risk investments. Before applying, it’s important to check the loan terms and conditions or speak to the lender to confirm what is and isn’t allowed. Misusing funds could lead to penalties or early repayment requirements.",{"_1793":9966,"_1799":9969,"_1833":9979},{"_1795":9967,"_1797":9968},[],[],{"_1801":9970,"_13":1809,"_1807":5579,"_1811":9972,"_1816":3041,"_1818":9974,"_1820":9975,"_1822":9975,"_1823":9976,"_1825":4708,"_1779":9977,"_1831":1832},{"_1799":9971},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":9973},{"_13":1804,"_1805":1814,"_1807":1974},"2025-02-11T13:22:52.451Z","2026-04-29T09:42:14.783Z","2025-02-11T18:10:21.064Z",{"_1799":9978},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5577,"_1836":1837,"_1984":1985,"_2137":9980,"_49":9996},{"_1943":9981,"_49":9982,"_1941":1942},{},[9983,9990],{"_1943":9984,"_49":9985,"_1941":2324},{},[9986],{"_1943":9987,"_1954":9988,"_1952":9989,"_1941":1951},{},[],"What do you need to open a business bank account?",{"_1943":9991,"_49":9992,"_1941":1947},{},[9993],{"_1943":9994,"_1954":9995,"_1952":9,"_1941":1951},{},[],{"_1941":1942,"_1943":9997,"_49":9998},{},[9999,10006,10068],{"_1941":1947,"_1943":10000,"_49":10001},{},[10002],{"_1941":1951,"_1952":10003,"_1954":10004,"_1943":10005},"Most providers will ask for the following before your account can be opened:",[],{},{"_1941":2819,"_1943":10007,"_49":10008},{},[10009,10024,10039,10054],{"_1941":2823,"_1943":10010,"_49":10011},{},[10012],{"_1941":1947,"_1943":10013,"_49":10014},{},[10015,10020],{"_1941":1951,"_1952":10016,"_1954":10017,"_1943":10019},"Proof of identity",[10018],{"_13":2833},{},{"_1941":1951,"_1952":10021,"_1954":10022,"_1943":10023}," - a valid passport, driving licence, or national ID card",[],{},{"_1941":2823,"_1943":10025,"_49":10026},{},[10027],{"_1941":1947,"_1943":10028,"_49":10029},{},[10030,10035],{"_1941":1951,"_1952":10031,"_1954":10032,"_1943":10034},"Proof of address",[10033],{"_13":2833},{},{"_1941":1951,"_1952":10036,"_1954":10037,"_1943":10038}," - a utility bill, mortgage statement, or council tax bill dated within the last three months",[],{},{"_1941":2823,"_1943":10040,"_49":10041},{},[10042],{"_1941":1947,"_1943":10043,"_49":10044},{},[10045,10050],{"_1941":1951,"_1952":10046,"_1954":10047,"_1943":10049},"Business documentation",[10048],{"_13":2833},{},{"_1941":1951,"_1952":10051,"_1954":10052,"_1943":10053}," - a registration certificate and articles of association for limited companies; a partnership agreement if applicable",[],{},{"_1941":2823,"_1943":10055,"_49":10056},{},[10057],{"_1941":1947,"_1943":10058,"_49":10059},{},[10060,10064],{"_1941":1951,"_1952":8424,"_1954":10061,"_1943":10063},[10062],{"_13":2833},{},{"_1941":1951,"_1952":10065,"_1954":10066,"_1943":10067}," - details of personal and business income, assets, and liabilities",[],{},{"_1941":1947,"_1943":10069,"_49":10070},{},[10071],{"_1941":1951,"_1952":10072,"_1954":10073,"_1943":10074},"Most providers let you apply online in minutes, though approval times vary; anywhere from instant to a few days depending on the provider.",[],{},{"_1793":10076,"_1799":10079,"_1833":10089},{"_1795":10077,"_1797":10078},[],[],{"_1801":10080,"_13":1809,"_1807":1866,"_1811":10082,"_1816":2106,"_1818":10084,"_1820":10085,"_1822":10085,"_1823":10086,"_1825":4447,"_1779":10087,"_1831":1832},{"_1799":10081},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10083},{"_13":1804,"_1805":1814,"_1807":2985},"2023-11-02T15:38:56.139Z","2025-12-02T09:45:08.783Z","2023-11-02T16:14:43.099Z",{"_1799":10088},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10090,"_1836":1837,"_2993":2994,"_1815":10091,"_10092":10093,"_2996":10094,"_3000":10097},"Kyle Eaton","/authors/kyle-eaton","linkedInLink","https://www.linkedin.com/in/kyle-eaton-a24b32119",{"_1799":10095},{"_13":1804,"_1805":2046,"_1807":10096},"7kDDkLUSydi6zXVfy24vL7",{"_1943":10098,"_49":10099,"_1941":1942},{},[10100],{"_1943":10101,"_49":10102,"_1941":1947},{},[10103],{"_1943":10104,"_1954":10105,"_1952":10106,"_1941":1951},{},[],"Kyle is a finance writer specialising in all things related to small and medium enterprises (SMEs). He has over ten years' experience working in financial services. ",{"_1793":10108,"_1799":10111,"_1833":10121},{"_1795":10109,"_1797":10110},[],[],{"_1801":10112,"_13":1809,"_1807":9568,"_1811":10114,"_1816":1979,"_1818":10116,"_1820":10117,"_1822":10117,"_1823":10118,"_1825":2803,"_1779":10119,"_1831":1832},{"_1799":10113},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10115},{"_13":1804,"_1805":1814,"_1807":2354},"2025-07-17T14:35:22.912Z","2026-05-16T13:18:03.986Z","2025-07-17T14:39:18.747Z",{"_1799":10120},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10122,"_1836":1837,"_1984":10123,"_2365":10124,"_2440":1786},"government-backed Start Up Loans","stat-snippet",{"_1938":10125,"_10126":10127,"_10129":10130},"Number of government-backed Start Up Loans have been delivered since 2012","stat",{"_10126":10128},"125,000","superscriptTag",{"_10131":10132,"_28":4888},"word","[1]",{"_1793":10134,"_1799":10137,"_1833":10147},{"_1795":10135,"_1797":10136},[],[],{"_1801":10138,"_13":1809,"_1807":1874,"_1811":10140,"_1816":2257,"_1818":10142,"_1820":10143,"_1822":10143,"_1823":10144,"_1825":1933,"_1779":10145,"_1831":1832},{"_1799":10139},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10141},{"_13":1804,"_1805":1814,"_1807":1867},"2023-11-15T12:12:48.396Z","2025-12-01T20:30:11.458Z","2023-11-15T12:12:58.308Z",{"_1799":10146},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4532,"_1836":1837},{"_1793":10149,"_1799":10152,"_1833":10162},{"_1795":10150,"_1797":10151},[],[],{"_1801":10153,"_13":1809,"_1807":3871,"_1811":10155,"_1816":3846,"_1818":10157,"_1820":10158,"_1822":10158,"_1823":10159,"_1825":2132,"_1779":10160,"_1831":1832},{"_1799":10154},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10156},{"_13":1804,"_1805":1814,"_1807":1928},"2025-04-10T09:54:53.959Z","2026-03-17T18:20:52.124Z","2025-04-17T12:53:00.281Z",{"_1799":10161},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10163,"_1938":10164,"_49":10165,"_1836":1837},"Submit your application","4. Submit your application",{"_1941":1942,"_1943":10166,"_49":10167},{},[10168,10175],{"_1941":1947,"_1943":10169,"_49":10170},{},[10171],{"_1941":1951,"_1952":10172,"_1954":10173,"_1943":10174},"Submit your application online, over the phone, or in person. Be prepared for a credit check and to provide a personal guarantee, especially if your business is new. ",[],{},{"_1941":1947,"_1943":10176,"_49":10177},{},[10178],{"_1941":1951,"_1952":10179,"_1954":10180,"_1943":10181},"Once approved, some providers offer an instant decision with access to virtual card details so you can start spending right away. Other providers may dispatch your physical card shortly thereafter.",[],{},{"_1793":10183,"_1799":10186,"_1833":10196},{"_1795":10184,"_1797":10185},[],[],{"_1801":10187,"_13":1809,"_1807":9161,"_1811":10189,"_1816":2208,"_1818":10191,"_1820":10192,"_1822":10192,"_1823":10193,"_1825":5551,"_1779":10194,"_1831":1832},{"_1799":10188},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10190},{"_13":1804,"_1805":1814,"_1807":2354},"2026-03-24T12:08:34.302Z","2026-04-29T09:42:13.922Z","2026-03-24T13:58:31.613Z",{"_1799":10195},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10197,"_1836":1837,"_1984":7347,"_2365":10198,"_2440":1786,"_49":10205},"Business bank account forced journey call out card",{"_6481":10199,"_7352":7353,"_147":10201,"_2137":10204,"_1984":9,"_7358":7359},{"_1951":10200,"_7351":59,"_1984":3028},"💷 See how much you could save",{"_34":10202,"_1951":10203},"https://www.money.co.uk/business/bank-accounts/results","See bank accounts","An easier way to open a business bank account",{"_1943":10206,"_49":10207,"_1941":1942},{},[10208,10241],{"_1943":10209,"_49":10210,"_1941":2819},{},[10211,10221,10231],{"_1943":10212,"_49":10213,"_1941":2823},{},[10214],{"_1943":10215,"_49":10216,"_1941":1947},{},[10217],{"_1943":10218,"_1954":10219,"_1952":10220,"_1941":1951},{},[],"Compare accounts from leading UK providers.",{"_1943":10222,"_49":10223,"_1941":2823},{},[10224],{"_1943":10225,"_49":10226,"_1941":1947},{},[10227],{"_1943":10228,"_1954":10229,"_1952":10230,"_1941":1951},{},[],"Find the right fit for your business, free of charge.",{"_1943":10232,"_49":10233,"_1941":2823},{},[10234],{"_1943":10235,"_49":10236,"_1941":1947},{},[10237],{"_1943":10238,"_1954":10239,"_1952":10240,"_1941":1951},{},[],"Open an account in as little as one working day.",{"_1943":10242,"_49":10243,"_1941":1947},{},[10244],{"_1943":10245,"_1954":10246,"_1952":9,"_1941":1951},{},[],{"_1793":10248,"_1799":10251,"_1833":10261},{"_1795":10249,"_1797":10250},[],[],{"_1801":10252,"_13":1809,"_1807":3754,"_1811":10254,"_1816":2257,"_1818":10256,"_1820":10257,"_1822":10257,"_1823":10258,"_1825":3650,"_1779":10259,"_1831":1832},{"_1799":10253},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10255},{"_13":1804,"_1805":1814,"_1807":2354},"2025-11-27T16:11:28.094Z","2026-03-11T19:29:46.913Z","2025-11-27T16:55:08.060Z",{"_1799":10260},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10262,"_1836":1837,"_1984":10263,"_2365":10264,"_2440":1786,"_2704":10273},"Platinum - Business credit cards - CTA 2","credit-card-finder-module-low-prominence",{"_1938":10265,"_10266":10267,"_10268":10269,"_1815":10270,"_10271":10272},"Find a company credit card today","subtitle","See the latest offers available from a range of trusted UK providers.","buttonText","Search now","/business/business-credit-cards/results","logosOverrideOrder",[],{"_1799":10274},{"_13":1804,"_1805":1809,"_1807":4778},{"_1793":10276,"_1799":10281,"_1833":10291},{"_1795":10277,"_1797":10280},[10278],{"_1799":10279},{"_13":1804,"_1805":2071,"_1807":2072},[],{"_1801":10282,"_13":1809,"_1807":3782,"_1811":10284,"_1816":3282,"_1818":10286,"_1820":10287,"_1822":10287,"_1823":10288,"_1825":7291,"_1779":10289,"_1831":1832},{"_1799":10283},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10285},{"_13":1804,"_1805":1814,"_1807":2354},"2023-06-12T11:46:36.324Z","2026-02-17T12:06:38.786Z","2023-06-13T11:12:47.181Z",{"_1799":10290},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":9650,"_1836":1837,"_1984":3517,"_2365":10292,"_2440":59},{"_1938":10293,"_2436":10294,"_3521":10295,"_3523":10296,"_3525":10297,"_3533":10300},"Keep learning about business credit cards","Need more detail? We’ve got you covered. Explore our handy expert guides written for UK business owners. From checking your eligibility to maximising rewards, get the information you need to choose the right business credit card with confidence.","How to choose a business credit card","https://www.money.co.uk/business/business-credit-cards/guides",{"_3527":10298,"_3256":10299,"_1938":10299,"_3531":6344},"https://img.money.co.uk/t014ej9w3ur1/36HdBqFHYztF0oOFzoHXE2/2f77a9c375397920c616ebcc740ba619/Eligibility_checkers_explained_2.jpg?auto=format%2Ccompress&q=45&ixlib=react-9.8.1&w=2400","What are business credit card eligibility checkers?",[10301,10306],{"_3527":10302,"_3256":10303,"_1938":10303,"_3531":10304,"_3540":10305},"https://img.money.co.uk/t014ej9w3ur1/5eeWaFtYZ4qNrmQc3CVImo/5ba283d6e016d84e3fda61d242150311/Can_you_get_a_business_credit_card_as_a_sole_trader.jpg?auto=format%2Ccompress&q=45&ixlib=react-9.8.1&w=2400","When is the best time to apply for a business credit card?","https://www.money.co.uk/business/business-credit-cards/what-is-a-business-credit-card","Discover the perfect time to apply for a business credit card and improve your chances of being accepted. Learn about the process and why it’s vital for small businesses.",{"_3527":10307,"_3256":10308,"_1938":10308,"_3531":3426,"_3540":10309},"https://img.money.co.uk/t014ej9w3ur1/2lchm0Ma3ovBaTgM1sCnh9/a2e37a9f650423123089a0299ab8724b/How_to_use_a_business_credit_card_to_collect_rewards__money_.jpg?auto=format%2Ccompress&q=45&ixlib=react-9.8.1&w=2400","How to get the most out of your business credit card rewards","Most business credit cards offer perks that could save your company a small fortune. We explain how to pick the right card for your business.",{"_1793":10311,"_1799":10314,"_1833":10323},{"_1795":10312,"_1797":10313},[],[],{"_1801":10315,"_13":1809,"_1807":3765,"_1811":10317,"_1816":2452,"_1818":10319,"_1820":10320,"_1822":10320,"_1823":10320,"_1825":3282,"_1779":10321,"_1831":1832},{"_1799":10316},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10318},{"_13":1804,"_1805":1814,"_1807":1974},"2026-05-11T15:33:45.410Z","2026-05-11T15:42:32.181Z",{"_1799":10322},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10324,"_1836":1837,"_1984":1985,"_2137":10325,"_49":10340},"What costs should I consider before applying?",{"_1943":10326,"_49":10327,"_1941":1942},{},[10328,10334],{"_1943":10329,"_49":10330,"_1941":2324},{},[10331],{"_1943":10332,"_1954":10333,"_1952":10324,"_1941":1951},{},[],{"_1943":10335,"_49":10336,"_1941":1947},{},[10337],{"_1943":10338,"_1954":10339,"_1952":9,"_1941":1951},{},[],{"_1943":10341,"_49":10342,"_1941":1942},{},[10343,10350,10398],{"_1943":10344,"_49":10345,"_1941":1947},{},[10346],{"_1943":10347,"_1954":10348,"_1952":10349,"_1941":1951},{},[],"Before applying for your business credit card, it’s important to think about:",{"_1943":10351,"_49":10352,"_1941":2819},{},[10353,10368,10383],{"_1943":10354,"_49":10355,"_1941":2823},{},[10356],{"_1943":10357,"_49":10358,"_1941":1947},{},[10359,10364],{"_1943":10360,"_1954":10361,"_1952":10363,"_1941":1951},{},[10362],{"_13":2833},"Annual fees",{"_1943":10365,"_1954":10366,"_1952":10367,"_1941":1951},{},[]," – make sure the value of the rewards outweighs any fees.",{"_1943":10369,"_49":10370,"_1941":2823},{},[10371],{"_1943":10372,"_49":10373,"_1941":1947},{},[10374,10379],{"_1943":10375,"_1954":10376,"_1952":10378,"_1941":1951},{},[10377],{"_13":2833},"Interest rates",{"_1943":10380,"_1954":10381,"_1952":10382,"_1941":1951},{},[]," – carrying a balance can quickly negate your rewards.",{"_1943":10384,"_49":10385,"_1941":2823},{},[10386],{"_1943":10387,"_49":10388,"_1941":1947},{},[10389,10394],{"_1943":10390,"_1954":10391,"_1952":10393,"_1941":1951},{},[10392],{"_13":2833},"Reward terms",{"_1943":10395,"_1954":10396,"_1952":10397,"_1941":1951},{},[]," – check for expiry dates, restrictions, or tax implications.",{"_1943":10399,"_49":10400,"_1941":1947},{},[10401],{"_1943":10402,"_1954":10403,"_1952":10404,"_1941":1951},{},[],"By managing your card responsibly, your company can turn everyday expenses into meaningful rewards, helping to boost cash flow, save on travel, and unlock valuable perks.",{"_1793":10406,"_1799":10409,"_1833":10418},{"_1795":10407,"_1797":10408},[],[],{"_1801":10410,"_13":1809,"_1807":3748,"_1811":10412,"_1816":2036,"_1818":10414,"_1820":10415,"_1779":10416,"_1831":1832},{"_1799":10411},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10413},{"_13":1804,"_1805":1814,"_1807":1974},"2026-05-20T16:15:12.272Z","2026-05-22T08:47:19.787Z",{"_1799":10417},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10419,"_1836":1837,"_1984":1985,"_2137":10420,"_49":10435},"Key things to consider when comparing business credit cards",{"_1943":10421,"_49":10422,"_1941":1942},{},[10423,10429],{"_1943":10424,"_49":10425,"_1941":2324},{},[10426],{"_1943":10427,"_1954":10428,"_1952":10419,"_1941":1951},{},[],{"_1943":10430,"_49":10431,"_1941":1947},{},[10432],{"_1943":10433,"_1954":10434,"_1952":9,"_1941":1951},{},[],{"_1941":1942,"_1943":10436,"_49":10437},{},[10438,10452,10459,10473,10480,10494,10501,10515,10522,10536,10543],{"_1941":2819,"_1943":10439,"_49":10440},{},[10441],{"_1941":2823,"_1943":10442,"_49":10443},{},[10444],{"_1941":1947,"_1943":10445,"_49":10446},{},[10447],{"_1941":1951,"_1952":10448,"_1954":10449,"_1943":10451},"APR (Annual Percentage Rate)",[10450],{"_13":2833},{},{"_1941":1947,"_1943":10453,"_49":10454},{},[10455],{"_1941":1951,"_1952":10456,"_1954":10457,"_1943":10458},"APR is the total cost of borrowing over a year, including interest and any standard fees. For business credit cards, APR helps you compare the true cost of different card options.",[],{},{"_1941":2819,"_1943":10460,"_49":10461},{},[10462],{"_1941":2823,"_1943":10463,"_49":10464},{},[10465],{"_1941":1947,"_1943":10466,"_49":10467},{},[10468],{"_1941":1951,"_1952":10469,"_1954":10470,"_1943":10472},"Rewards and perks",[10471],{"_13":2833},{},{"_1941":1947,"_1943":10474,"_49":10475},{},[10476],{"_1941":1951,"_1952":10477,"_1954":10478,"_1943":10479},"Some cards offer cashback, travel points, or other rewards. If you regularly make business purchases, a rewards card can help you earn back a percentage of your spending.",[],{},{"_1941":2819,"_1943":10481,"_49":10482},{},[10483],{"_1941":2823,"_1943":10484,"_49":10485},{},[10486],{"_1941":1947,"_1943":10487,"_49":10488},{},[10489],{"_1941":1951,"_1952":10490,"_1954":10491,"_1943":10493},"Credit limits",[10492],{"_13":2833},{},{"_1941":1947,"_1943":10495,"_49":10496},{},[10497],{"_1941":1951,"_1952":10498,"_1954":10499,"_1943":10500},"A higher credit limit provides more room for larger purchases and can help you manage cash flow. However, choose a card with a limit that aligns with your current business spending to avoid unnecessary debt or overspending.",[],{},{"_1941":2819,"_1943":10502,"_49":10503},{},[10504],{"_1941":2823,"_1943":10505,"_49":10506},{},[10507],{"_1941":1947,"_1943":10508,"_49":10509},{},[10510],{"_1941":1951,"_1952":10511,"_1954":10512,"_1943":10514},"Interest-free period",[10513],{"_13":2833},{},{"_1941":1947,"_1943":10516,"_49":10517},{},[10518],{"_1941":1951,"_1952":10519,"_1954":10520,"_1943":10521},"Many providers offer an interest-free period of up to 42 days, with some beyond that. There are also introductory 0% APR deals for a fixed period, which typically range from 6-18 months, but check what the rate changes to once the promotion ends.",[],{},{"_1941":2819,"_1943":10523,"_49":10524},{},[10525],{"_1941":2823,"_1943":10526,"_49":10527},{},[10528],{"_1941":1947,"_1943":10529,"_49":10530},{},[10531],{"_1941":1951,"_1952":10532,"_1954":10533,"_1943":10535},"Extras",[10534],{"_13":2833},{},{"_1941":1947,"_1943":10537,"_49":10538},{},[10539],{"_1941":1951,"_1952":10540,"_1954":10541,"_1943":10542},"Some cards offer additional features, including multiple cards for employees, expense tracking, and accounting software integrations. Decide if these may be useful depending on your business needs.",[],{},{"_1941":1947,"_1943":10544,"_49":10545},{},[10546],{"_1941":1951,"_1952":10547,"_1954":10548,"_1943":10550},"APRs and offers are subject to change. 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","Research the type of loan you need ",{"_5900":1938,"_1938":10803,"_5902":10804,"_2043":5106},"Decide how much you would like to borrow ","You’ll need to work out how much money you need to ensure the loan can fund your business’ goals. It’s also essential to know how long you’ll need to repay the loan. ",{"_5900":1938,"_1938":10806,"_5902":10807,"_2043":5601},"Check any conditions attached to the loan ","Lenders will have different criteria depending on the loan, so make sure that you can adhere to the conditions and repay the money when needed. ",{"_5900":1938,"_1938":10809,"_5902":10810,"_2043":5916},"Apply for a business loan ","Once you’ve followed these steps you’ll be ready to fill out an application with your financial details. 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Here are three factors to consider:",[],{},{"_1941":2819,"_1943":11184,"_49":11185},{},[11186,11201,11216],{"_1941":2823,"_1943":11187,"_49":11188},{},[11189],{"_1941":1947,"_1943":11190,"_49":11191},{},[11192,11197],{"_1941":1951,"_1952":11193,"_1954":11194,"_1943":11196},"Spread payments: ",[11195],{"_13":2833},{},{"_1941":1951,"_1952":11198,"_1954":11199,"_1943":11200},"If you plan to carry a balance, focus on cards with a low APR to keep interest costs down. Look for 0% introductory offers, check how long the low-rate period lasts, and be aware of any balance transfer fees. Ideal for larger or irregular purchases.",[],{},{"_1941":2823,"_1943":11202,"_49":11203},{},[11204],{"_1941":1947,"_1943":11205,"_49":11206},{},[11207,11212],{"_1941":1951,"_1952":11208,"_1954":11209,"_1943":11211},"Spend regularly:",[11210],{"_13":2833},{},{"_1941":1951,"_1952":11213,"_1954":11214,"_1943":11215}," For frequent purchases, choose a card with a long interest-free period. 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",[],{},{"_1941":1947,"_1943":11928,"_49":11929},{},[11930,11934,11942],{"_1941":1951,"_1952":11931,"_1954":11932,"_1943":11933},"Having more than one card can help organise expenses by category, such as travel, office supplies, or client entertainment, and can help you maximise rewards like cashback or travel points. Multiple cards can also",[],{},{"_1941":2284,"_1943":11935,"_49":11937},{"_2275":11936},"https://www.money.co.uk/business/guides/how-to-improve-cash-flow",[11938],{"_1941":1951,"_1952":11939,"_1954":11940,"_1943":11941}," improve cash flow",[],{},{"_1941":1951,"_1952":11943,"_1954":11944,"_1943":11945}," by spreading out payment due dates.",[],{},{"_1941":1947,"_1943":11947,"_49":11948},{},[11949],{"_1941":1951,"_1952":11950,"_1954":11951,"_1943":11952},"However, it’s vital to monitor credit limits carefully, as high credit usage can affect your business credit score. Managing several accounts requires discipline to avoid missed payments or overspending. ",[],{},{"_1941":1947,"_1943":11954,"_49":11955},{},[11956],{"_1941":1951,"_1952":11957,"_1954":11958,"_1943":11959},"Ultimately, the best approach is to choose the number of cards that fits your business needs and financial management capabilities. ",[],{},{"_1941":1947,"_1943":11961,"_49":11962},{},[11963],{"_1941":1951,"_1952":11964,"_1954":11965,"_1943":11967},"Tax deductions",[11966],{"_13":2833},{},{"_1941":1947,"_1943":11969,"_49":11970},{},[11971,11975,11983],{"_1941":1951,"_1952":11972,"_1954":11973,"_1943":11974},"Using your business credit card for ",[],{},{"_1941":2284,"_1943":11976,"_49":11978},{"_2275":11977},"https://www.money.co.uk/business/guides/business-expenses-explained",[11979],{"_1941":1951,"_1952":11980,"_1954":11981,"_1943":11982},"legitimate business expenses",[],{},{"_1941":1951,"_1952":11984,"_1954":11985,"_1943":11986},", like office supplies, travel, or client entertainment, can also help you claim tax deductions. ",[],{},{"_1941":1947,"_1943":11988,"_49":11989},{},[11990,11994,12002,12006,12014,12018,12026],{"_1941":1951,"_1952":11991,"_1954":11992,"_1943":11993},"These purchases are typically considered tax-deductible business expenses when ",[],{},{"_1941":2284,"_1943":11995,"_49":11997},{"_2275":11996},"https://www.money.co.uk/business/guides/beginners-guide-to-self-assessment",[11998],{"_1941":1951,"_1952":11999,"_1954":12000,"_1943":12001},"filing your self-assessment",[],{},{"_1941":1951,"_1952":12003,"_1954":12004,"_1943":12005}," or ",[],{},{"_1941":2284,"_1943":12007,"_49":12009},{"_2275":12008},"https://www.money.co.uk/business/guides/corporation-tax-guide",[12010],{"_1941":1951,"_1952":12011,"_1954":12012,"_1943":12013},"corporate tax return",[],{},{"_1941":1951,"_1952":12015,"_1954":12016,"_1943":12017},". To make the process easier, keep detailed records of all transactions. Credit card statements can be a useful tool for ",[],{},{"_1941":2284,"_1943":12019,"_49":12021},{"_2275":12020},"https://www.money.co.uk/business/guides/how-to-track-business-expenses",[12022],{"_1941":1951,"_1952":12023,"_1954":12024,"_1943":12025},"tracking and categorising expenses",[],{},{"_1941":1951,"_1952":8792,"_1954":12027,"_1943":12028},[],{},{"_1941":1947,"_1943":12030,"_49":12031},{},[12032,12036,12040,12048],{"_1941":1951,"_1952":12033,"_1954":12034,"_1943":12035},"I",[],{},{"_1941":1951,"_1952":12037,"_1954":12038,"_1943":12039},"nterest on outstanding balances is generally not tax-deductible, so it’s important to pay off your credit card on time to avoid unnecessary costs. For personalised advice and to maximise your deductions while staying compliant, consult a qualified ",[],{},{"_1941":2284,"_1943":12041,"_49":12043},{"_2275":12042},"https://www.money.co.uk/business/guides/tax-advisors-and-accountants",[12044],{"_1941":1951,"_1952":12045,"_1954":12046,"_1943":12047},"accountant or tax adviser",[],{},{"_1941":1951,"_1952":2506,"_1954":12049,"_1943":12050},[],{},{"_1793":12052,"_1799":12055,"_1833":12066},{"_1795":12053,"_1797":12054},[],[],{"_1801":12056,"_13":1809,"_1807":7917,"_1811":12058,"_1816":3041,"_1818":12060,"_1820":12061,"_1822":12061,"_1823":12062,"_1825":12063,"_1779":12064,"_1831":1832},{"_1799":12057},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12059},{"_13":1804,"_1805":1814,"_1807":7914},"2025-02-10T11:25:06.921Z","2026-05-16T13:18:03.747Z","2025-02-13T17:13:19.722Z",45,{"_1799":12065},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12067,"_1836":1837,"_1984":12068,"_2700":12069},"Business Loans forced journey test","platinum-ppc",{"_12070":12071,"_12082":12083,"_12084":12085,"_1984":12086,"_12087":12088,"_1881":12077},"steps",[12072],{"_1833":12073,"_12080":12081},[12074,12078],{"_47":12075,"_13":12076,"_1952":12077},"source","hidden","business-loans",{"_47":12079,"_13":12076,"_1952":286},"page","buttonProps",{"_4895":7356,"_1984":3028},"action",{"_6475":6544},"method","GET","simple","productId","fa532f9b-f932-4cf6-bc30-3764d59e98b8",{"_1793":12090,"_1799":12093,"_1833":12103},{"_1795":12091,"_1797":12092},[],[],{"_1801":12094,"_13":1809,"_1807":9429,"_1811":12096,"_1816":1817,"_1818":12098,"_1820":12099,"_1822":12099,"_1823":12100,"_1825":2257,"_1779":12101,"_1831":1832},{"_1799":12095},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12097},{"_13":1804,"_1805":1814,"_1807":1928},"2026-03-20T15:11:15.849Z","2026-04-29T09:42:14.872Z","2026-03-20T16:35:30.522Z",{"_1799":12102},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12104,"_1938":12105,"_49":12106,"_1836":1837},"BCA -- Is my money protected?","Is my money protected?",{"_1941":1942,"_1943":12107,"_49":12108},{},[12109],{"_1941":1947,"_1943":12110,"_49":12111},{},[12112,12116,12125],{"_1941":1951,"_1952":12113,"_1954":12114,"_1943":12115},"Most UK business bank accounts are protected by the ",[],{},{"_1941":2284,"_1943":12117,"_49":12119},{"_2275":12118},"https://www.fscs.org.uk/",[12120],{"_1941":1951,"_1952":12121,"_1954":12122,"_1943":12124},"FSCS",[12123],{"_13":2282},{},{"_1941":1951,"_1952":12126,"_1954":12127,"_1943":12128}," up to £120,000, provided the bank is FCA or PRA-authorised. 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Some accounts also cap how much cash you can deposit in a single day. Before committing, check that the account’s limits match your expected transaction volume.",[],{},{"_1941":1947,"_1943":12287,"_49":12288},{},[12289],{"_1941":1951,"_1952":12290,"_1954":12291,"_1943":12292},"If you find one account too restrictive, there’s nothing stopping you from holding multiple business accounts at the same time. Many businesses do this to keep operational expenses separate from tax savings, or to ring-fence revenue from different projects. 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overdraft?",{"_1943":12571,"_49":12572,"_1941":1942},{},[12573,12592,12608],{"_1943":12574,"_49":12575,"_1941":1947},{},[12576,12579,12588],{"_1943":12577,"_1954":12578,"_1952":4055,"_1941":1951},{},[],{"_1943":12580,"_49":12582,"_1941":2284},{"_2275":12581},"https://www.money.co.uk/business/bank-accounts/business-overdraft",[12583],{"_1943":12584,"_1954":12585,"_1952":12587,"_1941":1951},{},[12586],{"_13":2282},"business overdraft",{"_1943":12589,"_1954":12590,"_1952":12591,"_1941":1951},{},[]," isn’t guaranteed. You’ll generally need to pass a credit check first, and the limit offered will depend on both your financial circumstances and the provider’s assessment of your business.",{"_1943":12593,"_49":12594,"_1941":1947},{},[12595,12599,12605],{"_1943":12596,"_1954":12597,"_1952":12598,"_1941":1951},{},[],"If approved, an agreed overdraft typically comes with lower fees and interest than going overdrawn without one. Without an arrangement in place, providers can apply higher charges and refuse transactions altogether. Repeated unauthorised overdrafts can damage your ",{"_1943":12600,"_49":12601,"_1941":2284},{"_2275":6205},[12602],{"_1943":12603,"_1954":12604,"_1952":11822,"_1941":1951},{},[],{"_1943":12606,"_1954":12607,"_1952":2506,"_1941":1951},{},[],{"_1943":12609,"_49":12610,"_1941":1947},{},[12611],{"_1943":12612,"_1954":12613,"_1952":12614,"_1941":1951},{},[],"If you think you’ll need one, it’s worth discussing it with your provider before you’re in the situation where you need it.",{"_1793":12616,"_1799":12619,"_1833":12629},{"_1795":12617,"_1797":12618},[],[],{"_1801":12620,"_13":1809,"_1807":1856,"_1811":12622,"_1816":1975,"_1818":12624,"_1820":12625,"_1822":12625,"_1823":12626,"_1825":2479,"_1779":12627,"_1831":1832},{"_1799":12621},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12623},{"_13":1804,"_1805":1814,"_1807":3829},"2020-05-04T11:30:40.480Z","2025-12-01T20:30:11.107Z","2020-05-04T11:30:47.306Z",{"_1799":12628},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12630,"_1836":1837},"Business guides",{"_1793":12632,"_1799":12635,"_1833":12645},{"_1795":12633,"_1797":12634},[],[],{"_1801":12636,"_13":1809,"_1807":3713,"_1811":12638,"_1816":2212,"_1818":12640,"_1820":12641,"_1822":12641,"_1823":12642,"_1825":3282,"_1779":12643,"_1831":1832},{"_1799":12637},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12639},{"_13":1804,"_1805":1814,"_1807":2127},"2026-02-03T15:05:11.659Z","2026-02-17T12:06:35.126Z","2026-02-03T17:06:38.411Z",{"_1799":12644},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12646,"_1836":1837,"_2165":2166,"_2167":12647,"_2175":59,"_2176":16,"_2177":222},"Business credit Credit Cards new billboard",[12648,12650],{"_1799":12649},{"_13":1804,"_1805":1809,"_1807":9845},{"_1799":12651},{"_13":1804,"_1805":1809,"_1807":7277},{"_1793":12653,"_1799":12656,"_1833":12666},{"_1795":12654,"_1797":12655},[],[],{"_1801":12657,"_13":1809,"_1807":6817,"_1811":12659,"_1816":3350,"_1818":12661,"_1820":12662,"_1822":12662,"_1823":12663,"_1825":2132,"_1779":12664,"_1831":1832},{"_1799":12658},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12660},{"_13":1804,"_1805":1814,"_1807":1974},"2025-02-13T09:55:18.911Z","2026-04-29T09:42:14.355Z","2025-02-13T09:55:40.077Z",{"_1799":12665},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12667,"_1836":1837,"_49":12668},"Table header for BCA ",{"_1941":1942,"_1943":12669,"_49":12670},{},[12671,12678,12685],{"_1941":2324,"_1943":12672,"_49":12673},{},[12674],{"_1941":1951,"_1952":12675,"_1954":12676,"_1943":12677},"Compare our best business bank accounts for May 2026",[],{},{"_1941":1947,"_1943":12679,"_49":12680},{},[12681],{"_1941":1951,"_1952":12682,"_1954":12683,"_1943":12684},"Whether you’re looking for a free account or one with extra benefits, we can help you find the right fit. Compare fees and features at a glance to choose the best business bank account for you.",[],{},{"_1941":1947,"_1943":12686,"_49":12687},{},[12688],{"_1941":1951,"_1952":9,"_1954":12689,"_1943":12690},[],{},{"_1793":12692,"_1799":12695,"_1833":12705},{"_1795":12693,"_1797":12694},[],[],{"_1801":12696,"_13":1809,"_1807":9024,"_1811":12698,"_1816":3846,"_1818":12700,"_1820":12701,"_1822":12701,"_1823":12702,"_1825":3949,"_1779":12703,"_1831":1832},{"_1799":12697},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12699},{"_13":1804,"_1805":1814,"_1807":5765},"2020-05-12T08:27:02.179Z","2025-11-20T15:35:12.913Z","2020-05-12T08:27:28.575Z",{"_1799":12704},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12706,"_1836":1837,"_1938":12707,"_3614":12708},"Business loans guides - Related guides - 1","Related guides",[12709,12712,12715,12718],{"_1799":12710},{"_13":1804,"_1805":1809,"_1807":12711},"469CTRLVRl6vQmr838OjZr",{"_1799":12713},{"_13":1804,"_1805":1809,"_1807":12714},"77WbDn5hphfbI5bZq9PeHQ",{"_1799":12716},{"_13":1804,"_1805":1809,"_1807":12717},"7C3Q4XwmEHiCwlfUZY6c11",{"_1799":12719},{"_13":1804,"_1805":1809,"_1807":12720},"DMaaNNesAgxnDNHA4ickc",{"_1793":12722,"_1799":12725,"_1833":12735},{"_1795":12723,"_1797":12724},[],[],{"_1801":12726,"_13":1809,"_1807":6745,"_1811":12728,"_1816":2128,"_1818":12730,"_1820":12731,"_1822":12731,"_1823":12732,"_1825":2309,"_1779":12733,"_1831":1832},{"_1799":12727},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12729},{"_13":1804,"_1805":1814,"_1807":1974},"2025-02-12T12:31:29.806Z","2026-05-16T13:18:05.099Z","2025-02-13T17:13:20.036Z",{"_1799":12734},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12736,"_1836":1837,"_49":12737},"Business Finance Stat Reference",{"_1941":1942,"_1943":12738,"_49":12739},{},[12740],{"_1941":1947,"_1943":12741,"_49":12742},{},[12743,12747],{"_1941":1951,"_1952":12744,"_1954":12745,"_1943":12746},"*",[],{},{"_1941":1951,"_1952":12748,"_1954":12749,"_1943":12750},"Based on average eligibility data from trackable providers (01/05/25-31/12/25). Accurate as of 14/01/26.",[],{},{"_1793":12752,"_1799":12755,"_1833":12765},{"_1795":12753,"_1797":12754},[],[],{"_1801":12756,"_13":1809,"_1807":3768,"_1811":12758,"_1816":2257,"_1818":12760,"_1820":12761,"_1822":12761,"_1823":12762,"_1825":1975,"_1779":12763,"_1831":1832},{"_1799":12757},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12759},{"_13":1804,"_1805":1814,"_1807":2354},"2025-11-27T16:24:34.448Z","2026-03-17T18:20:52.187Z","2025-11-27T16:40:35.511Z",{"_1799":12764},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12766,"_1836":1837,"_1984":5215,"_2365":12767,"_2440":1786},"Platinum - Business Credit Cards Result Case Study 2",{"_5217":12768,"_3527":12769,"_4719":12770,"_5220":12771,"_5222":12772},"Our Capital on Tap business credit card helps us manage cash flow, especially during periods of uneven income due to seasonality or unexpected expenses. Plus, it connects to QuickBooks, so simplifies book-keeping and expense tracking.","https://img.money.co.uk/t014ej9w3ur1/5otkqAw9hQs6N8oEUUmlP8/cd2eb6b5a21effc66766d17dc01f9eca/CHandCRforMoneycouk.png?auto=format%2Ccompress&q=45&ixlib=react-9.8.1&w=2400","Read Modern Art Distillery case study","Catharine Russell, Modern Art Distillery","https://www.money.co.uk/business/case-studies/modern-art-distillery",{"_1793":12774,"_1799":12777,"_1833":12787},{"_1795":12775,"_1797":12776},[],[],{"_1801":12778,"_13":1809,"_1807":2465,"_1811":12780,"_1816":3886,"_1818":12782,"_1820":12783,"_1822":12783,"_1823":12784,"_1825":5206,"_1779":12785,"_1831":1832},{"_1799":12779},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12781},{"_13":1804,"_1805":1814,"_1807":2451},"2023-06-16T10:32:39.058Z","2026-05-04T08:19:20.629Z","2023-06-16T10:34:30.152Z",{"_1799":12786},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12788,"_1836":1837,"_2459":2744,"_2461":304,"_2462":12789},"Platinum - Business Credit Cards - Hub",{"_1799":12790},{"_13":1804,"_1805":1809,"_1807":9125},{"_1793":12792,"_1799":12795,"_1833":12805},{"_1795":12793,"_1797":12794},[],[],{"_1801":12796,"_13":1809,"_1807":6145,"_1811":12798,"_1816":2080,"_1818":12800,"_1820":12801,"_1822":12801,"_1823":12802,"_1825":2212,"_1779":12803,"_1831":1832},{"_1799":12797},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12799},{"_13":1804,"_1805":1814,"_1807":3986},"2020-05-05T13:34:46.612Z","2023-04-20T12:22:30.757Z","2020-05-05T13:36:34.763Z",{"_1799":12804},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5241,"_49":12806,"_1836":1837},{"_1943":12807,"_49":12808,"_1941":1942},{},[12809,12814],{"_1943":12810,"_49":12813,"_1941":1996},{"_1991":12811},{"_1799":12812},{"_1807":10712,"_13":1804,"_1805":1809},[],{"_1943":12815,"_49":12816,"_1941":1947},{},[12817],{"_1943":12818,"_1954":12819,"_1952":9,"_1941":1951},{},[],{"_1793":12821,"_1799":12824,"_1833":12834},{"_1795":12822,"_1797":12823},[],[],{"_1801":12825,"_13":1809,"_1807":6400,"_1811":12827,"_1816":1817,"_1818":12829,"_1820":12830,"_1822":12830,"_1823":12831,"_1825":1933,"_1779":12832,"_1831":1832},{"_1799":12826},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12828},{"_13":1804,"_1805":1814,"_1807":2188},"2026-04-24T09:28:56.151Z","2026-05-16T13:18:03.905Z","2026-04-24T16:59:22.214Z",{"_1799":12833},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":2194,"_49":12835,"_1836":1837},{"_1799":12836},{"_13":1804,"_1805":1809,"_1807":12837},"33BhDaZdEJjKRwWBD9LAVh",{"_1793":12839,"_1799":12842,"_1833":12852},{"_1795":12840,"_1797":12841},[],[],{"_1801":12843,"_13":1809,"_1807":9423,"_1811":12845,"_1816":2128,"_1818":12847,"_1820":12848,"_1822":12848,"_1823":12849,"_1825":3350,"_1779":12850,"_1831":1832},{"_1799":12844},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12846},{"_13":1804,"_1805":1814,"_1807":1928},"2025-02-11T15:26:02.772Z","2026-04-29T09:42:14.841Z","2025-02-11T18:12:00.592Z",{"_1799":12851},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12853,"_1938":12854,"_49":12855,"_1836":1837},"BCA- How long does it take to open a business bank account?","How long does it take to open a business account?",{"_1943":12856,"_49":12857,"_1941":1942},{},[12858,12865,12872],{"_1943":12859,"_49":12860,"_1941":1947},{},[12861],{"_1943":12862,"_1954":12863,"_1952":12864,"_1941":1951},{},[],"Opening a business bank account typically takes between one and four weeks, though the process can be faster depending on the bank and your business type. Some banks even offer same-day account opening.",{"_1943":12866,"_49":12867,"_1941":1947},{},[12868],{"_1943":12869,"_1954":12870,"_1952":12871,"_1941":1951},{},[],"Factors that can affect the timeline include your business structure (sole traders usually take less time), your relationship with the bank, and the application method. Some banks offer faster services, and non-residents or high-risk businesses may experience longer processing times.",{"_1943":12873,"_49":12874,"_1941":1947},{},[12875],{"_1943":12876,"_1954":12877,"_1952":12878,"_1941":1951},{},[],"Once your application is submitted, the bank will conduct background checks and may contact you for additional information. 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",{"_1943":12937,"_49":12938,"_1941":1947},{},[12939,12943,12951],{"_1943":12940,"_1954":12941,"_1952":12942,"_1941":1951},{},[],"To assess your eligibility, the provider may conduct a personal credit check (",{"_1943":12944,"_49":12946,"_1941":2284},{"_2275":12945},"https://www.money.co.uk/business/business-credit-cards/can-you-get-a-business-credit-card-as-a-sole-trader",[12947],{"_1943":12948,"_1954":12949,"_1952":12950,"_1941":1951},{},[],"especially if you're a sole trader",{"_1943":12952,"_1954":12953,"_1952":12954,"_1941":1951},{},[]," or have personal liability), request company financial statements, and ask for details about your business assets. This will help the provider determine your credit limit and the terms of your card. 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Some UK business loans are secured, meaning you pledge assets like property, equipment, or inventory as collateral. Secured loans often offer lower interest rates and higher borrowing limits.",{"_1943":13139,"_49":13140,"_1941":1947},{},[13141],{"_1943":13142,"_1954":13143,"_1952":13144,"_1941":1951},{},[],"Other loans are unsecured. So, while no collateral is required, they may come with higher interest rates or stricter eligibility criteria. 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This is worth prioritising if you're managing your own books.",[],{},{"_1941":1947,"_1943":13217,"_49":13218},{},[13219,13224],{"_1941":1951,"_1952":13220,"_1954":13221,"_1943":13223},"Invoicing tools ",[13222],{"_13":2833},{},{"_1941":1951,"_1952":13225,"_1954":13226,"_1943":13227},"- Some accounts let you send, chase and track invoices directly, which can save meaningful time if you bill clients regularly.",[],{},{"_1941":1947,"_1943":13229,"_49":13230},{},[13231,13236],{"_1941":1951,"_1952":13232,"_1954":13233,"_1943":13235},"Overdraft facilities ",[13234],{"_13":2833},{},{"_1941":1951,"_1952":13237,"_1954":13238,"_1943":13239},"- Useful for smoothing out cash flow gaps. If you think you'll need one, it is generally worth checking eligibility criteria before you commit.",[],{},{"_1941":1947,"_1943":13241,"_49":13242},{},[13243,13248],{"_1941":1951,"_1952":13244,"_1954":13245,"_1943":13247},"International transactions",[13246],{"_13":2833},{},{"_1941":1951,"_1952":13249,"_1954":13250,"_1943":13251}," - If you trade globally, look for an account that supports multiple currencies and low-cost international transfers. 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apply.","card_fee_monthly_pounds_numeric","card_fee_monthly_percent_numeric","card_fee_annual_ongoing_pounds_numeric","card_fee_annual_ongoing_percent_numeric",{"_1837":13829,"_13619":13854,"_13754":13860},{"_6515":13830,"_13835":13836,"_13720":13840,"_13844":13845,"_13849":13850},{"_1807":13831,"_13723":-5,"_13724":13832,"_13726":1786,"_13727":13833,"_13729":13834},"5b39c5bb-04ac-4abc-9c0f-0bc47f731b03","1000042959","992509","https://www.money.co.uk/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-business%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=default&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000042959&ulvid=992509&link_id=5b39c5bb-04ac-4abc-9c0f-0bc47f731b03&sig=401106a910389a9e8c6bc6cc5b08825133a343325f12418c43bf483f74729684","tenancy",{"_1807":13837,"_13723":-5,"_13724":13832,"_13726":59,"_13727":13838,"_13729":13839},"9b4e6cc1-130f-4d16-90ff-67dc134f5d46","992510","https://www.money.co.uk/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-hero%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=tenancy&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000042959&ulvid=992510&link_id=9b4e6cc1-130f-4d16-90ff-67dc134f5d46&sig=2a21446d73b3a0720e6c60d8681846908a6c9996d5b2b0325215319423c5bc43",{"_1807":13841,"_13723":-5,"_13724":13832,"_13726":59,"_13727":13842,"_13729":13843},"7e7fc75c-0225-4c30-b98e-d9f7f8cb7268","992512","https://www.money.co.uk/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fcapital-on-tap%3Fproduct_id%3D61b752a0-ac8b-491d-b5ef-9612c43a4d09%26index%3Dbusiness-credit-cards%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=application&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000042959&ulvid=992512&link_id=7e7fc75c-0225-4c30-b98e-d9f7f8cb7268&sig=072fa9c70d7bca6a627030f85bb83c79916f4c0bb5da9d7cdc70b6e9223b067f","post-application",{"_1807":13846,"_13723":-5,"_13724":13832,"_13726":59,"_13727":13847,"_13729":13848},"bd7295f0-7356-4fac-a7f1-3e00e9a6e149","992511","https://www.money.co.uk/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-business%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=post-application&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000042959&ulvid=992511&link_id=bd7295f0-7356-4fac-a7f1-3e00e9a6e149&sig=401106a910389a9e8c6bc6cc5b08825133a343325f12418c43bf483f74729684","application_completed",{"_1807":13851,"_13723":-5,"_13724":13832,"_13726":59,"_13727":13852,"_13729":13853},"4d0aa5a8-a49a-4fbe-a464-446e591aec4b","992508","https://www.money.co.uk/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=application_completed&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000042959&ulvid=992508&link_id=4d0aa5a8-a49a-4fbe-a464-446e591aec4b&sig=e6c52c5fbafcac802bf8a10bf69a15b08ca3dde0e17df8ccc24314eb8d56a2ce",{"_6515":13855},{"_1807":13856,"_13723":-5,"_13724":13857,"_13726":59,"_13727":13858,"_13729":13859},"3682f83b-f26f-442e-b07c-8e4da9a56c0a","1000036083","970773","https://www.uswitch.com/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/uswitch/business-credit-cards?r=https%3A%2F%2Faccount.capitalontap.com%2Fapps%2Fapply%2F%3Fpromocode%3DUswitch%26utm_source%3Duswitch%26utm_medium%3Dsite%26utm_campaign%3DFR%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=default&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000036083&ulvid=970773&link_id=3682f83b-f26f-442e-b07c-8e4da9a56c0a&sig=d4e9e9fd059c51d12db39b9107bdbcc60d834807443ed66cbdd52316be22163e",{"_13720":13861},{"_1807":13862,"_13723":-5,"_13724":13863,"_13726":59,"_13727":13864,"_13729":13865},"dbe553e6-d274-4a19-8e24-cb2ace97b2e8","1000036951","974313","https://www.confused.com/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/confused/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fcapital-on-tap%3Fproduct_id%3D61b752a0-ac8b-491d-b5ef-9612c43a4d09%26utm_source%3Dconfused%26utm_medium%3Demail%26utm_referrer%3Dconfused%26partnertrackingid%3D%7B%7Bclick_ref%7D%7D%26utm_content%3D%7B%7Butm_content%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=application&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000036951&ulvid=974313&link_id=dbe553e6-d274-4a19-8e24-cb2ace97b2e8&sig=571608d69181b9c245b031da9fa3673c82dc7867f29a540b6a2c6f61507ab96f",{"_1837":2452,"_13619":5122,"_13754":2452},"61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef","2026-05-22T01:50:54.900Z",[2452],{"_13598":13746,"_13600":13871,"_13601":-5,"_13602":13872,"_2560":13927},"38888122-37e0-4c56-b9c2-e92846587c01",{"_1807":13871,"_13604":13605,"_13606":2567,"_7878":2567,"_13607":13873,"_13612":13876,"_13630":13881,"_3614":13900,"_13731":13924,"_2556":-5,"_13733":-5,"_13734":-5,"_13735":59,"_13736":13925,"_13738":13926},{"_13619":13874,"_1837":13875},{"_13610":5274},{"_13610":7342},{"_1807":13877,"_7878":2567,"_12202":13878,"_13622":13880,"_13765":13763,"_13766":59,"_13630":13881,"_13768":13880,"_13638":13639,"_13769":13882,"_13771":13774,"_13773":13883,"_13775":13884,"_13777":13885,"_13644":2567,"_13780":13886,"_13782":13887,"_13784":13785,"_13786":13787,"_13788":13789,"_13700":13888,"_13790":13791,"_13701":13889,"_13793":13890,"_13795":13891,"_13797":13798,"_13801":13892,"_13803":59,"_13804":13893,"_13805":13794,"_13807":13894,"_13809":13895,"_13811":59,"_13658":13888,"_13659":13889,"_13812":13894,"_13813":13895,"_13814":13896,"_13816":13817,"_13818":13897,"_13820":13898,"_13822":13899,"_13806":-5,"_13824":-5,"_13825":-5,"_13826":-5,"_13827":-5},"0000000000",{"_1807":13759,"_12169":13879,"_47":13763},{"_1837":13761,"_13619":13762},"1.25% cashback on all preloaded card spend. Convert points to Avios or Virgin Points.","Capital on Tap Business Pro Card"," Get 10,000 bonus points when you spend £5,000 on your card in your first 3 months."," Access uncapped 1% cashback on all spend, with no FX or ATM fees. Cashback is boosted to 1.25% on all preloaded card spend."," Radisson Rewards VIP status included. Unlimited access to 1,600+ airport lounges for the main cardholder and two free guest passes per year.","11%","Collect avios and bonus points on spending","Unlimited airport lounge access and sleek metal card","https://money.imgix.net/uswitch-assets-eu/amp/images/product/credit-cards/Capital_on_tap_pro_card.png","https://uswitch-cms.imgix.net/uswitch-assets-eu/amp/images/product/credit-cards/Capital_on_tap_pro_card.png",110.33,"Representative rate is 110.33% APR (variable).","No ATM or FX fees. Available to limited companies and LLPs. T&Cs apply.",299,"Uncapped 1% cashback on all card spending included. Get unlimited airport lounge access and a silver metal card. Limits up to £250,000, and free company cards with spend controls.","Uncapped 1% cashback on all card spending included. Get unlimited airport lounge access and a silver metal card. Limits up to £250,000, and free company cards with spend controls. ","£299","110.33% APR",[13886,13887,13785,13787],"Uncapped 1% cashback on all card spending included. Get unlimited airport lounge access and a silver metal card. Limits up to £250,000, and free company cards with spend controls. No ATM or FX fees. Available to limited companies and LLPs. T&Cs apply.",{"_1837":13901,"_13619":13919},{"_6515":13902,"_13720":13907,"_13844":13911,"_13849":13915},{"_1807":13903,"_13723":-5,"_13724":13904,"_13726":1786,"_13727":13905,"_13729":13906},"d4c24861-acf4-4e4e-bb0b-b53f1e2df2d4","1000042958","992504","https://www.money.co.uk/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-pro%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=default&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000042958&ulvid=992504&link_id=d4c24861-acf4-4e4e-bb0b-b53f1e2df2d4&sig=406afa03459527a14486d36b88e86af4dc33c481bb13ad71cfceeab472bc624b",{"_1807":13908,"_13723":-5,"_13724":13904,"_13726":59,"_13727":13909,"_13729":13910},"06125648-5026-4a14-a189-5df36291c455","992507","https://www.money.co.uk/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fcapital-on-tap%3Fproduct_id%3D38888122-37e0-4c56-b9c2-e92846587c01%26index%3Dbusiness-credit-cards%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=application&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000042958&ulvid=992507&link_id=06125648-5026-4a14-a189-5df36291c455&sig=41bda8c34b6f8d54e90a86b5247d919b2984faf2cbc411bd101879757218564d",{"_1807":13912,"_13723":-5,"_13724":13904,"_13726":59,"_13727":13913,"_13729":13914},"89a32c5e-c044-42f2-a0ec-07d5aa945995","992505","https://www.money.co.uk/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-pro%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=post-application&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000042958&ulvid=992505&link_id=89a32c5e-c044-42f2-a0ec-07d5aa945995&sig=406afa03459527a14486d36b88e86af4dc33c481bb13ad71cfceeab472bc624b",{"_1807":13916,"_13723":-5,"_13724":13904,"_13726":59,"_13727":13917,"_13729":13918},"d115a27e-7972-46be-af71-9bf4b7faec42","992506","https://www.money.co.uk/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=application_completed&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000042958&ulvid=992506&link_id=d115a27e-7972-46be-af71-9bf4b7faec42&sig=a31ceab45ccf7ebbe69207a267148da3fe411c347851e1d95abcb0bbe35bad2e",{"_6515":13920},{"_1807":13921,"_13723":-5,"_13724":13857,"_13726":59,"_13727":13922,"_13729":13923},"72359a78-1d88-487c-9549-774fddd12fef","970774","https://www.uswitch.com/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/uswitch/business-credit-cards?r=https%3A%2F%2Faccount.capitalontap.com%2Fapps%2Fapply%2F%3Fpromocode%3DUswitch%26utm_source%3Duswitch%26utm_medium%3Dsite%26utm_campaign%3DPro%26step%3D1%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=default&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000036083&ulvid=970774&link_id=72359a78-1d88-487c-9549-774fddd12fef&sig=e1bb461ae08bf9d913728ec84831da3c55c37cc2865a8cc5ffe9649ad7a9522c",{"_1837":9480,"_13619":5122},"38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8","2026-05-22T01:50:56.296Z",[9480],{"_13598":13746,"_13600":13929,"_13601":-5,"_13602":13930,"_2560":13972},"14d9d1c1-e024-4c73-9ccc-cf97d70f7923",{"_1807":13929,"_13604":13605,"_13606":2567,"_7878":2567,"_13607":13931,"_13612":13935,"_13630":13944,"_3614":13958,"_13731":13969,"_2556":-5,"_13733":-5,"_13734":-5,"_13735":59,"_13736":13970,"_13738":13971},{"_13619":13932,"_1837":13933},{"_13610":3350},{"_13610":13934},475,{"_1807":13936,"_7878":2567,"_12202":13937,"_13622":13943,"_13765":13942,"_13766":59,"_13630":13944,"_13768":13943,"_13638":13639,"_13777":13945,"_13644":2567,"_13780":13946,"_13782":13947,"_13784":13785,"_13786":13948,"_13700":13949,"_13790":13791,"_13701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Circle","Earn 2% cashback up to £2000 for 6 months, unlimited 1% thereafter. T&Cs apply.","Funding Circle Business Cashback Credit Card","2%","Up to 42 days interest-free","No monthly fee","Good for cashback, with limits up to £250,000","https://money.imgix.net/uswitch-assets-eu/amp/images/product/credit-cards/Cashback+Card+3D+(1)+(1).png","https://uswitch-cms.imgix.net/uswitch-assets-eu/amp/images/product/credit-cards/Cashback+Card+3D+(1)+(1).png",34.9,"The standard interest rate on purchases is 34.9% pa. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable)","Up to 42 days interest-free, no annual or set up fees, up to £250k credit limit.","Get 2% cashback on all card spend with Cashback Card for the first 6 months or to a limit of £100,000 spend (total cashback capped at £2,000) and then 1% thereafter. T&Cs apply.","34.9% p.a. variable","34.9% APR",[13946,13947,13785,13948],{"_1837":13959},{"_6515":13960,"_13835":13965},{"_1807":13961,"_13723":-5,"_13724":13962,"_13726":59,"_13727":13963,"_13729":13964},"b5c72503-c142-4521-8d3e-8bd572c4d22e","1000043703","994390","https://www.money.co.uk/clk/14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777/money/business-credit-cards?r=https%3A%2F%2Ffundingcircle.sjv.io%2Fc%2F23518%2F2698293%2F27836%3Fprodsku%3DCashback&category=business-credit-cards&supplier=Funding+Circle&product_name=Funding+Circle+Business+Cashback+Credit+Card&pid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923&ln=default&upvid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777&ucvid=1000043703&ulvid=994390&link_id=b5c72503-c142-4521-8d3e-8bd572c4d22e&sig=66a19b6821717267235ad107756313c798243b31f395808c09dc635eb0daa998",{"_1807":13966,"_13723":-5,"_13724":13962,"_13726":1786,"_13727":13967,"_13729":13968},"1bc7aeba-ea71-4f6b-bcb7-8b7938076751","994391","https://www.money.co.uk/clk/14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777/money/business-credit-cards?r=https%3A%2F%2Fwww.fundingcircle.com%2Fuk%2Fpayments%2Fcashback%2F%3Futm_source%3DMoneyCoUK%26utm_medium%3DAffiliate%26utm_campaign%3DMoney_Hero_CBC%26thirdpartyid%3D%7Bclick_ref%7D&category=business-credit-cards&supplier=Funding+Circle&product_name=Funding+Circle+Business+Cashback+Credit+Card&pid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923&ln=tenancy&upvid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777&ucvid=1000043703&ulvid=994391&link_id=1bc7aeba-ea71-4f6b-bcb7-8b7938076751&sig=43a47daa877980a9daaae20939576b17b4856cabc452362ef8904443727d5012",{"_1837":3354},"14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777","2026-05-22T01:50:50.800Z",[3354],{"_13598":13746,"_13600":13974,"_13601":-5,"_13602":13975,"_2560":14044},"bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97",{"_1807":13974,"_13604":13605,"_13606":2567,"_7878":2567,"_13607":13976,"_13612":13980,"_13630":13989,"_3614":14021,"_13731":14040,"_2556":-5,"_13733":-5,"_13734":-5,"_13735":59,"_13736":14042,"_13738":14043},{"_13619":13977,"_1837":13978},{"_13610":5122},{"_13610":13979},352,{"_1807":13981,"_7878":2567,"_12202":13982,"_13622":13988,"_13766":59,"_13630":13989,"_13990":13991,"_13768":13988,"_13638":13639,"_13777":13992,"_13644":2567,"_13780":13993,"_13782":13994,"_13784":13995,"_13786":13996,"_13788":13997,"_13700":13998,"_13701":13999,"_14000":59,"_14001":14002,"_14003":1786,"_14004":59,"_14005":59,"_13795":14006,"_13799":14007,"_13801":9,"_13803":59,"_13804":14008,"_14009":2036,"_14010":14011,"_14012":2036,"_13807":14013,"_13809":14013,"_13658":13998,"_13659":13999,"_13812":14013,"_13814":14014,"_13816":14015,"_13818":14015,"_14016":14017,"_14018":14019,"_13820":14020,"_13822":14013,"_13765":-5,"_13790":-5,"_13793":-5,"_13805":-5,"_13806":-5,"_13824":-5,"_13825":-5,"_13813":-5,"_13826":-5,"_13827":-5,"_13769":-5,"_13771":-5,"_13773":-5,"_13775":-5,"_13797":-5},"88736572",{"_1807":13983,"_12169":13984,"_47":13987},"7461c261-c040-4df0-931e-65905ecbf950",{"_1837":13985,"_13619":13986},"https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/provider/logos/Moss-logo-full-black.png","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/provider/logos/Moss-logo-full-black.png","Moss","Spend management platform - Xero, Sage & QuickBooks sync, no per-user fees. Up to 0.5% cashback.","Moss Business Credit Card","uk_residency","UK address required","-","0% interest - repay full balance in up to 30 days, no option to carry a balance","Set spend rules per card - limits, merchants, days and times","Automated receipt capture and AI-powered transaction coding","Good for UK finance teams with 25+ employees - no per-user fees","Up to £2.5 million","https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/product/credit-cards/Moss_card_2026.png","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/product/credit-cards/Moss_card_2026.png","available_to_charities","minimum_annual_turnover",2000000,"rewards_points_available","available_to_partnerships","available_to_sole_traders","Interest rates are not applicable to Charge cards","Employees request cards in seconds. You then approve, block or restrict as necessary. Business owners can view all spend in a detailed, real-time and responsive overview. Ideal for companies with 10+ employees or £2 million annual turnover.",2400,"minimum_trading_history_months","accounting_software_integrations","Sage, XERO, exact, DATEV, Quickbooks, Netsuite, Microsoft Dynamics Business Central and others.","foreign_transaction_fee_percentage","0% interest. Mastercard® World Elite Business Credit Card. Repay full balance in up to 30 days - no option to carry a balance. Credit subject to KYC and eligibility assessment. T&Cs apply.","£2,400","N/A","column_minimum_trading_history","No min trading history","column_minimum_annual_turnover","£2,000,000",[13993,13994,13995,13996],{"_1837":14022},{"_6515":14023,"_13720":14028,"_13844":14032,"_13849":14036},{"_1807":14024,"_13723":-5,"_13724":14025,"_13726":59,"_13727":14026,"_13729":14027},"b816e76f-3854-4262-bb1b-8d283922b7e6","1000045489","999063","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.financeads.net%2Ftc.php%3Ft%3D62682C4744115220T%26rvu_click_ref%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=default&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999063&link_id=b816e76f-3854-4262-bb1b-8d283922b7e6&sig=b853813441fbb5162b3307b0bc29f909842bde856ab038f9125e1a8f5aeea672",{"_1807":14029,"_13723":-5,"_13724":14025,"_13726":59,"_13727":14030,"_13729":14031},"598dd199-3a8a-46d2-b487-5fe9ebfcb3e0","999061","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fmoss%3Fclickref%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=application&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999061&link_id=598dd199-3a8a-46d2-b487-5fe9ebfcb3e0&sig=5cc344a358b1aca48f3b7bc4d407ca1e2cb0c97238f5d4bc44c7f09e65e2f7bd",{"_1807":14033,"_13723":-5,"_13724":14025,"_13726":59,"_13727":14034,"_13729":14035},"a2ed1ecc-d5d6-40d4-907c-4894f000a9a5","999062","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=post-application&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999062&link_id=a2ed1ecc-d5d6-40d4-907c-4894f000a9a5&sig=bcf8fd3c57760f853298da4d045ffc136a6f462feba73d5e6ee66eefcbe45cd9",{"_1807":14037,"_13723":-5,"_13724":14025,"_13726":59,"_13727":14038,"_13729":14039},"97b462d9-46e3-4651-b1d3-67b53c035916","999064","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=application_completed&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999064&link_id=97b462d9-46e3-4651-b1d3-67b53c035916&sig=bcf8fd3c57760f853298da4d045ffc136a6f462feba73d5e6ee66eefcbe45cd9",{"_1837":14041},65,"bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76","2026-05-22T01:50:53.449Z",[14041],{"_13598":13746,"_13600":14046,"_13601":-5,"_13602":14047,"_2560":14102},"90bdb5bb-a4eb-4224-830b-1bc488e50b02",{"_1807":14046,"_13604":13605,"_13606":2567,"_7878":2567,"_13607":14048,"_13612":14051,"_13630":14061,"_3614":14082,"_13731":14098,"_2556":-5,"_13733":-5,"_13734":-5,"_13735":59,"_13736":14100,"_13738":14101},{"_1837":14049},{"_13610":14050},92,{"_1807":14052,"_7878":2567,"_12202":14053,"_13622":14059,"_13765":14060,"_13766":59,"_13630":14061,"_13768":14062,"_13638":13639,"_13769":14063,"_13771":14064,"_13773":14065,"_13775":14066,"_13777":13992,"_13644":2567,"_13780":14065,"_13782":14067,"_13784":14068,"_13786":14069,"_13788":14070,"_13700":14071,"_13790":13791,"_13701":14072,"_13793":14073,"_13795":14074,"_13799":9,"_13801":9,"_13804":14075,"_13805":14076,"_13807":14077,"_13658":14071,"_13659":14072,"_13812":14077,"_13814":14078,"_13816":14079,"_13818":14080,"_13820":14081,"_13822":14077,"_13809":-5,"_13806":-5,"_13824":-5,"_13825":-5,"_13813":-5,"_13826":-5,"_13827":-5,"_13797":-5},"25001",{"_1807":14054,"_12169":14055,"_47":14058},"7721c3e4-07de-43cf-84c3-e23e2c8cbb59",{"_1837":14056,"_13619":14057},"https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/provider/logos/british_airways_2021.png","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/provider/logos/british_airways_2021.png","British Airways","Earn up to 30,000 Avios points as a welcome bonus. T&Cs apply. ","American Express","British Airways American Express® Accelerating Business Card","Earn up to 30,000 Avios points as Welcome Bonus*","Earn up to 30,000 Avios points as a welcome bonus. T&Cs apply.","Collect 1.5 Avios for every £1 spent on business purchases and 2X on Business Points for every £1 spent with British Airways on your card.","Includes complimentary travel cover and up to £250,000 travel accident protection plus enhanced protection when flying with British Airways.","For every £20,000 you spend, get 10,000 bonus Avios up to 3x each calendar year.","Collect 1.5 Avios for every £1 spent on business purchases and 2X on Business Points for every £1 spent at British Airways on your card.","Suitable for UK limited companies, LLPs and Sole Traders","Good for businesses wanting to boost Avios on BA flights and daily spend.","From £1,500","https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/product/credit-cards/Amex_BA_business_CC.png","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/product/credit-cards/Amex_BA_business_CC.png",104.9,"Representative example: The standard interest rate on purchases is 26.6% (variable) so if you borrow £1,200 the APR will be 104.9% (variable). £250 annual fee.",250,26.6,"*30,000 bonus Avios when you spend £5,000 in the first three months of Cardmembership. Terms apply. 18+, subject to status","£250","26.6% p.a. variable","104.9% APR",[14065,14067,14068,14069],{"_1837":14083},{"_13720":14084,"_14089":14090,"_13849":14094},{"_1807":14085,"_13723":-5,"_13724":14086,"_13726":59,"_13727":14087,"_13729":14088},"f0352504-f6e9-4898-b088-1d5a2ba6965c","1000045719","999994","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Famex-ba&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=application&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999994&link_id=f0352504-f6e9-4898-b088-1d5a2ba6965c&sig=9cf990f9109de773dc804eaf55e5180815492cfc3dda866ce3ecc2934c6fa658","eligibility_checked",{"_1807":14091,"_13723":-5,"_13724":14086,"_13726":59,"_13727":14092,"_13729":14093},"e160db21-97e4-4332-a290-d6e22e91c6c2","999995","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=eligibility_checked&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999995&link_id=e160db21-97e4-4332-a290-d6e22e91c6c2&sig=bea5d21653297801c8ee88a75b1f081a755288d273b9cc1da3e28399de851974",{"_1807":14095,"_13723":-5,"_13724":14086,"_13726":59,"_13727":14096,"_13729":14097},"b0ebb42e-5ede-48b3-af0f-9ad6a6fe545f","999993","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Dg6PfYBeCXNo%26offerid%3D1034633.5%26type%3D3%26subid%3D0%26clickref%3D%7B%7BClick_ref%7D%7D&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=application_completed&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999993&link_id=b0ebb42e-5ede-48b3-af0f-9ad6a6fe545f&sig=f24c441eb8411ac448d3e03e30f1f99eb04893f6263a11b879ac805245ddc86f",{"_1837":14099},67,"90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942","2026-05-22T01:50:55.201Z",[14099],{"_13598":13746,"_13600":14104,"_13601":-5,"_13602":14105,"_2560":14157},"5486c391-d6c4-489d-a5a8-b6b4f8e33692",{"_1807":14104,"_13604":13605,"_13606":2567,"_7878":2567,"_13607":14106,"_13612":14109,"_13630":14116,"_3614":14138,"_13731":14153,"_2556":-5,"_13733":-5,"_13734":-5,"_13735":59,"_13736":14155,"_13738":14156},{"_1837":14107},{"_13610":14108},80,{"_1807":16,"_7878":2567,"_12202":14110,"_13622":14115,"_13766":59,"_13630":14116,"_13768":14117,"_13638":13639,"_13769":14118,"_13771":14119,"_13773":14120,"_13775":14121,"_13777":13992,"_13644":2567,"_13780":14122,"_13782":14123,"_13784":14124,"_13786":14125,"_13788":14126,"_13700":14127,"_13790":13791,"_13701":14128,"_13795":2890,"_13799":14129,"_13801":14130,"_13804":14131,"_13805":14132,"_13807":14133,"_13809":9,"_13658":14127,"_13659":14128,"_13812":14133,"_13814":14134,"_13816":14135,"_13818":14015,"_13820":14136,"_13822":14137,"_13765":-5,"_13793":-5,"_13806":-5,"_13824":-5,"_13825":-5,"_13813":-5,"_13826":-5,"_13827":-5,"_13797":-5},{"_1807":14111,"_12169":14112,"_47":14060},"a42f5bf6-8ae7-48c4-a0f7-350d8bd01729",{"_1837":14113,"_13619":14114},"https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/provider/logos/american_express_2021.png","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/provider/logos/american_express_2021.png","Earn 50,000 Membership Rewards points when you spend £6,000 in your first three months. Terms apply.","The American Express® Business Platinum Card","Earn up to 50,000 welcome bonus rewards points*","Earn 50,000 Membership Rewards points when you spend £6,000 in your first three months of Cardmembership. Terms apply.","Receive £200 Annual Travel Credit when you spend at American Express Travel Online.","Enjoy complimentary access to 1,550+ airport lounges with The American Express Global Lounge Collection®.","Up to £300 back annually when you spend on uk.indeed.com plus up to £150 back annually for United Kingdom purchases with Dell Technologies. ","Earn 1x Membership Rewards points for every eligible £1 spent on purchases and 2x points for every £1 spent on American Express Travel.","Get up to £400 in Amex Travel Credits when you spend £120,000 in your Cardmembership year. Terms apply.","Available to UK LTD and LLP businesses, signatories must be 18+ and a director/member of the business. Subject to status.","Complimentary access to 1,550+ airport lounges","Unlimited","https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/product/credit-cards/sbs_plat_metal_2018_di_1920x1216.jpg","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/product/credit-cards/sbs_plat_metal_2018_di_1920x1216.jpg","*Earn 8x points for every eligible £1 spent (up to 80k points – max £10k spend) in the first 3 months of Cardmembership ","*Annual fee £650. Interest & terms apply. Earn 50,000 Membership Rewards® points when you spend £6,000 in the first three months of Cardmembership. Annual Fee and terms apply. Available to UK LTDs and LLPS. Signatories must be 18+ and a Director/member of the business. Subject to status. ",650,29.1,"*Your card includes a Flexible Payment Option (FPO) Credit Limit, which lets you carry a balance with interest at 29.1% p.a. (variable). You can spend above your FPO Credit Limit, as long as any amount over the limit is paid by the due date. Your FPO Credit Limit will be confirmed when your Card arrives. ","£650","29.1% p.a. variable",[14122,14123,14124,14125],"*Your card includes a Flexible Payment Option (FPO) Credit Limit, which lets you carry a balance with interest at 29.1% p.a. (variable). You can spend above your FPO Credit Limit, as long as any amount over the limit is paid by the due date. Your FPO Credit Limit will be confirmed when your Card arrives. *Annual fee £650. Interest & terms apply. Earn 50,000 Membership Rewards® points when you spend £6,000 in the first three months of Cardmembership. Annual Fee and terms apply. Available to UK LTDs and LLPS. Signatories must be 18+ and a Director/member of the business. 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