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The exact APR you're offered will vary depending on your circumstances and the card you apply for.",[],{},"11mr9Kw3zKYfOnYZTMEzGV",{"_1793":1992,"_1799":1995,"_1833":2008},{"_1795":1993,"_1797":1994},[],[],{"_1801":1996,"_13":1809,"_1807":1990,"_1811":1998,"_1816":2001,"_1818":2002,"_1820":2003,"_1822":2003,"_1823":2004,"_1825":2005,"_1779":2006,"_1831":1832},{"_1799":1997},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":1999},{"_13":1804,"_1805":1814,"_1807":2000},"richTextBlock",14,"2025-07-16T12:41:36.949Z","2026-05-16T13:18:04.496Z","2025-07-17T14:39:18.665Z",28,{"_1799":2007},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":2009,"_1836":1837,"_2010":2011,"_49":2012,"_2029":2030},"Business loans - money.co.uk - easily compare","variant","platinum",{"_1969":2013,"_49":2014,"_1967":1968},{},[2015,2023],{"_1969":2016,"_49":2021,"_1967":2022},{"_2017":2018},"target",{"_1799":2019},{"_1807":2020,"_13":1804,"_1805":1809},"4ZLQomuP5Qu9pTKmioa45y",[],"embedded-entry-block",{"_1969":2024,"_49":2025,"_1967":1973},{},[2026],{"_1969":2027,"_1980":2028,"_1978":9,"_1967":1977},{},[],"contentTwo",{"_1967":1968,"_1969":2031,"_49":2032},{},[2033,2045],{"_1967":2034,"_1969":2035,"_49":2036},"heading-3",{},[2037,2041],{"_1967":1977,"_1978":2038,"_1980":2039,"_1969":2040},"Easily c",[],{},{"_1967":1977,"_1978":2042,"_1980":2043,"_1969":2044},"ompare and apply",[],{},{"_1967":1973,"_1969":2046,"_49":2047},{},[2048],{"_1967":1977,"_1978":2049,"_1980":2050,"_1969":2051},"Compare rates, fees and terms upfront, so you can apply for the loan that ticks all your boxes with confidence.",[],{},"122SUmuCUbHtSu6EdNtDB1",{"_1793":2054,"_1799":2057,"_1833":2068},{"_1795":2055,"_1797":2056},[],[],{"_1801":2058,"_13":1809,"_1807":2052,"_1811":2060,"_1816":1936,"_1818":2062,"_1820":2063,"_1822":2063,"_1823":2064,"_1825":2065,"_1779":2066,"_1831":1832},{"_1799":2059},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":2061},{"_13":1804,"_1805":1814,"_1807":1955},"2026-05-20T15:51:13.362Z","2026-06-01T18:37:49.309Z","2026-05-27T17:46:23.038Z",82,{"_1799":2067},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":2069,"_1943":2069,"_2070":2071,"_49":2075,"_1836":1837},"New startup","icon",{"_1799":2072},{"_13":1804,"_1805":2073,"_1807":2074},"Asset","1xCionBuwaGSrUmDcZHOZV",{"_1969":2076,"_49":2077,"_1967":1968},{},[2078,2085],{"_1969":2079,"_49":2080,"_1967":1973},{},[2081],{"_1969":2082,"_1980":2083,"_1978":2084,"_1967":1977},{},[],"If you've just set up your business, you might want to focus on cards with easy approval that use a soft credit check before you apply, which don't require a long business history.",{"_1969":2086,"_49":2087,"_1967":1973},{},[2088],{"_1969":2089,"_1980":2090,"_1978":2091,"_1967":1977},{},[],"A card with minimal requirements might be best-suited for your first card, so a simple cashback feature might be all you need at this stage.","14145B8GLO65W1Sc2LerjU",{"_1793":2094,"_1799":2099,"_1833":2111},{"_1795":2095,"_1797":2098},[2096],{"_1799":2097},{"_13":1804,"_1805":1924,"_1807":1925},[],{"_1801":2100,"_13":1809,"_1807":2092,"_1811":2102,"_1816":2104,"_1818":2105,"_1820":2106,"_1822":2106,"_1823":2107,"_1825":2108,"_1779":2109,"_1831":1832},{"_1799":2101},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":2103},{"_13":1804,"_1805":1814,"_1807":1932},2,"2024-01-25T10:07:23.461Z","2026-01-07T16:08:57.479Z","2024-01-30T12:34:35.893Z",34,{"_1799":2110},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":2112,"_1836":1837,"_1941":2113,"_1943":2114},"Business - Guides - Starting a business from scratch - Intro module","Starting your own business can often involve nerves, excitement, and a lot of administrative work to get through. 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If you’re unsure whether you qualify, your new provider should be able to confirm and guide you through the process.",{"_1969":2315,"_49":2316,"_1967":1973},{},[2317],{"_1969":2318,"_1980":2319,"_1978":2320,"_1967":1977},{},[],"If you're closing your business entirely, notify your bank and they’ll be able to guide you through the process of shutting the account down. 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",[],{},{"_1967":1973,"_1969":2420,"_49":2421},{},[2422],{"_1967":1977,"_1978":2423,"_1980":2424,"_1969":2425},"You can generally use funds for any payments connected to your company. 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This is due to renewed concerns about inflation, particularly linked to energy costs. ",{"_1969":4565,"_49":4566,"_1967":1973},{},[4567],{"_1969":4568,"_1980":4569,"_1978":4570,"_1967":1977},{},[],"Higher base rates typically lead to higher borrowing costs for businesses. That said, lenders set their own criteria and pricing, so any changes will depend on how financial providers respond to future rate decisions.",{"_1969":4572,"_49":4573,"_1967":1973},{},[4574,4578,4586],{"_1969":4575,"_1980":4576,"_1978":4577,"_1967":1977},{},[],"The next base interest rate decision is due on Thursday 18 June, and you can track updates on the ",{"_1969":4579,"_49":4581,"_1967":2309},{"_2300":4580},"https://www.bankofengland.co.uk/explainers/current-interest-rate",[4582],{"_1969":4583,"_1980":4584,"_1978":4585,"_1967":1977},{},[],"Bank of England's explainer page",{"_1969":4587,"_1980":4588,"_1978":2651,"_1967":1977},{},[],"3DiQIjXP6lIghlEoqHsQnT",{"_1793":4591,"_1799":4594,"_1833":4604},{"_1795":4592,"_1797":4593},[],[],{"_1801":4595,"_13":1809,"_1807":4589,"_1811":4597,"_1816":2278,"_1818":4599,"_1820":4600,"_1822":4600,"_1823":4601,"_1825":2282,"_1779":4602,"_1831":1832},{"_1799":4596},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4598},{"_13":1804,"_1805":1814,"_1807":1955},"2026-03-20T15:09:25.564Z","2026-04-29T09:42:14.827Z","2026-03-20T16:35:30.477Z",{"_1799":4603},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4605,"_1943":4606,"_49":4607,"_1836":1837},"BCA -- Do I need a business bank account?","Do I need a business bank account?",{"_1967":1968,"_1969":4608,"_49":4609},{},[4610,4617,4650],{"_1967":1973,"_1969":4611,"_49":4612},{},[4613],{"_1967":1977,"_1978":4614,"_1980":4615,"_1969":4616},"If you operate as a limited company it’s a legal requirement, as your company is a separate legal entity from you personally.",[],{},{"_1967":1973,"_1969":4618,"_49":4619},{},[4620,4624,4633,4637,4646],{"_1967":1977,"_1978":4621,"_1980":4622,"_1969":4623},"For ",[],{},{"_1967":2309,"_1969":4625,"_49":4627},{"_2300":4626},"https://www.money.co.uk/business/bank-accounts/sole-trader",[4628],{"_1967":1977,"_1978":4629,"_1980":4630,"_1969":4632},"sole traders",[4631],{"_13":2307},{},{"_1967":1977,"_1978":4634,"_1980":4635,"_1969":4636},", there’s no legal obligation, but it’s generally recommended. 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Lenders typically look at your business’s financial health, cash flow, and overall stability, rather than just your personal credit score. However, you may face higher interest rates or stricter terms if you have bad credit.","3KqjXpXcYHlXJDwvDieVWY",{"_1793":4700,"_1799":4703,"_1833":4715},{"_1795":4701,"_1797":4702},[],[],{"_1801":4704,"_13":1809,"_1807":4698,"_1811":4706,"_1816":3732,"_1818":4709,"_1820":4710,"_1822":4710,"_1823":4711,"_1825":4712,"_1779":4713,"_1831":1832},{"_1799":4705},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4707},{"_13":1804,"_1805":1814,"_1807":4708},"tile","2025-02-03T10:24:34.492Z","2026-05-16T13:18:03.717Z","2025-02-13T17:13:19.692Z",23,{"_1799":4714},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4716,"_1836":1837,"_2070":4717,"_1977":4718,"_1941":4719},"Business loans forced journey benefits 2","number-two-circle","Explore your options","Compare top loan offers tailored to your needs – all in one place.","3OwAG812qY9vGgu2Pwx1Jd",{"_1793":4722,"_1799":4725,"_1833":4736},{"_1795":4723,"_1797":4724},[],[],{"_1801":4726,"_13":1809,"_1807":4720,"_1811":4728,"_1816":1956,"_1818":4730,"_1820":4731,"_1822":4731,"_1823":4732,"_1825":4733,"_1779":4734,"_1831":1832},{"_1799":4727},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4729},{"_13":1804,"_1805":1814,"_1807":2000},"2025-07-16T10:09:51.925Z","2026-04-24T16:59:23.300Z","2025-07-17T14:39:18.282Z",38,{"_1799":4735},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4737,"_1836":1837,"_2010":2011,"_2160":4738,"_49":4754},"Platinum - business loans - at a glance",{"_1967":1968,"_1969":4739,"_49":4740},{},[4741,4748],{"_1967":2350,"_1969":4742,"_49":4743},{},[4744],{"_1967":1977,"_1978":4745,"_1980":4746,"_1969":4747},"Business loans at a glance ",[],{},{"_1967":1973,"_1969":4749,"_49":4750},{},[4751],{"_1967":1977,"_1978":9,"_1980":4752,"_1969":4753},[],{},{"_1969":4755,"_49":4756,"_1967":1968},{},[4757,4801],{"_1969":4758,"_49":4759,"_1967":2427},{},[4760,4781,4791],{"_1969":4761,"_49":4762,"_1967":2431},{},[4763],{"_1969":4764,"_49":4765,"_1967":1973},{},[4766,4770,4777],{"_1969":4767,"_1980":4768,"_1978":4769,"_1967":1977},{},[],"A business loan means you can borrow a specific sum of money and pay it back, ",{"_1969":4771,"_49":4772,"_1967":2309},{"_2300":3621},[4773],{"_1969":4774,"_1980":4775,"_1978":4776,"_1967":1977},{},[],"with interest",{"_1969":4778,"_1980":4779,"_1978":4780,"_1967":1977},{},[],", over a defined period of time.",{"_1969":4782,"_49":4783,"_1967":2431},{},[4784],{"_1969":4785,"_49":4786,"_1967":1973},{},[4787],{"_1969":4788,"_1980":4789,"_1978":4790,"_1967":1977},{},[],"The loan must be used for business purposes, for example paying for stock, hiring employees or marketing.",{"_1969":4792,"_49":4793,"_1967":2431},{},[4794],{"_1969":4795,"_49":4796,"_1967":1973},{},[4797],{"_1969":4798,"_1980":4799,"_1978":4800,"_1967":1977},{},[],"To be eligible for a loan, you'll need to be 18 or over, a UK resident with a UK registered business and able to pass relevant credit checks.",{"_1969":4802,"_49":4803,"_1967":1973},{},[4804],{"_1969":4805,"_1980":4806,"_1978":9,"_1967":1977},{},[],"3QQCGzAlfynFflXUZgazY9",{"_1793":4809,"_1799":4812,"_1833":4823},{"_1795":4810,"_1797":4811},[],[],{"_1801":4813,"_13":1809,"_1807":4807,"_1811":4815,"_1816":1826,"_1818":4817,"_1820":4818,"_1822":4818,"_1823":4819,"_1825":4820,"_1779":4821,"_1831":1832},{"_1799":4814},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4816},{"_13":1804,"_1805":1814,"_1807":2380},"2024-01-25T14:25:29.009Z","2026-05-16T13:18:03.946Z","2024-01-25T15:42:00.332Z",35,{"_1799":4822},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4824,"_1836":1837,"_2010":4825,"_2391":4826,"_2586":1786},"Platinum - Business loans - Quote 2","quote-snippet",{"_4827":4828,"_3609":4829,"_4329":4330,"_4830":4831,"_4832":4833},"quote","A business loan can help you get your idea off the ground or grow what you’ve already built. 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":4836,"_1799":4839,"_1833":4850},{"_1795":4837,"_1797":4838},[],[],{"_1801":4840,"_13":1809,"_1807":4834,"_1811":4842,"_1816":1936,"_1818":4845,"_1820":4846,"_1822":4846,"_1823":4847,"_1825":1817,"_1779":4848,"_1831":1832},{"_1799":4841},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4843},{"_13":1804,"_1805":1814,"_1807":4844},"billboard","2022-01-12T11:22:31.904Z","2025-10-24T11:24:10.431Z","2022-01-12T11:22:32.197Z",{"_1799":4849},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4851,"_4852":4853,"_4856":4857,"_1836":1837},"Business insurance guides","breadcrumbs",{"_1799":4854},{"_13":1804,"_1805":1809,"_1807":4855},"7ttl49MUIjKtzDMlWBjYha","primaryContent",{"_1967":1968,"_1969":4858,"_49":4859},{},[4860,4867],{"_1967":4861,"_1969":4862,"_49":4863},"heading-1",{},[4864],{"_1967":1977,"_1978":4851,"_1980":4865,"_1969":4866},[],{},{"_1967":1973,"_1969":4868,"_49":4869},{},[4870],{"_1967":1977,"_1978":4871,"_1980":4872,"_1969":4873},"Explore your insurance options to keep your business and team fully protected.",[],{},"3T7cEGE9QcC3Op1iF3NRmF",{"_1793":4876,"_1799":4879,"_1833":4891},{"_1795":4877,"_1797":4878},[],[],{"_1801":4880,"_13":1809,"_1807":4874,"_1811":4882,"_1816":4884,"_1818":4885,"_1820":4886,"_1822":4886,"_1823":4887,"_1825":4888,"_1779":4889,"_1831":1832},{"_1799":4881},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4883},{"_13":1804,"_1805":1814,"_1807":2597},108,"2021-11-15T11:13:27.272Z","2026-05-22T12:32:24.582Z","2021-11-15T11:14:06.246Z",141,{"_1799":4890},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4892,"_1836":1837,"_2604":192,"_2606":1277,"_2607":4893},"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. ",{"_1969":5035,"_49":5036,"_1967":1973},{},[5037,5041,5045],{"_1969":5038,"_1980":5039,"_1978":5040,"_1967":1977},{},[],"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’",{"_1969":5042,"_1980":5043,"_1978":3152,"_1967":1977},{},[5044],{"_13":3352},{"_1969":5046,"_1980":5047,"_1978":5048,"_1967":1977},{},[],"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.",{"_1969":5050,"_49":5051,"_1967":1973},{},[5052,5056,5064],{"_1969":5053,"_1980":5054,"_1978":5055,"_1967":1977},{},[],"You can see ",{"_1969":5057,"_49":5059,"_1967":2309},{"_2300":5058},"/editorial-policy",[5060],{"_1969":5061,"_1980":5062,"_1978":5063,"_1967":1977},{},[],"our editorial policy",{"_1969":5065,"_1980":5066,"_1978":5067,"_1967":1977},{},[]," here.\n\n",{"_1969":5069,"_49":5070,"_1967":1973},{},[5071],{"_1969":5072,"_1980":5073,"_1978":9,"_1967":1977},{},[],{"_1793":5075,"_1799":5078,"_1833":5088},{"_1795":5076,"_1797":5077},[],[],{"_1801":5079,"_13":1809,"_1807":3945,"_1811":5081,"_1816":3732,"_1818":5083,"_1820":5084,"_1822":5084,"_1823":5085,"_1825":3514,"_1779":5086,"_1831":1832},{"_1799":5080},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5082},{"_13":1804,"_1805":1814,"_1807":1955},"2025-04-10T09:54:20.042Z","2026-06-01T18:37:49.499Z","2025-04-17T12:52:55.925Z",{"_1799":5087},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5089,"_1943":5090,"_49":5091,"_1836":1837},"Gather your documents","4. Prepare your documents",{"_1967":1968,"_1969":5092,"_49":5093},{},[5094,5101,5108],{"_1967":1973,"_1969":5095,"_49":5096},{},[5097],{"_1967":1977,"_1978":5098,"_1980":5099,"_1969":5100},"Prepare your business details like your turnover, registered address, company registration number and unique taxpayer reference.",[],{},{"_1967":1973,"_1969":5102,"_49":5103},{},[5104],{"_1967":1977,"_1978":5105,"_1980":5106,"_1969":5107},"Providers will also ask you for details like your home address, and you'll need proof of your identification.",[],{},{"_1967":1973,"_1969":5109,"_49":5110},{},[5111],{"_1967":1977,"_1978":9,"_1980":5112,"_1969":5113},[],{},"3dMQFuFwL6BTIow6LidVW5",{"_1793":5116,"_1799":5119,"_1833":5130},{"_1795":5117,"_1797":5118},[],[],{"_1801":5120,"_13":1809,"_1807":5114,"_1811":5122,"_1816":1936,"_1818":5124,"_1820":5125,"_1822":5125,"_1823":5126,"_1825":5127,"_1779":5128,"_1831":1832},{"_1799":5121},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5123},{"_13":1804,"_1805":1814,"_1807":1955},"2026-05-21T11:56:48.628Z","2026-06-01T18:37:49.376Z","2026-05-27T17:46:23.122Z",32,{"_1799":5129},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5131,"_1943":5131,"_2070":5132,"_49":5135,"_1836":1837},"Scaling your business",{"_1799":5133},{"_13":1804,"_1805":2073,"_1807":5134},"6XvxO4NW0cg4TJrPXJe3fw",{"_1969":5136,"_49":5137,"_1967":1968},{},[5138,5145],{"_1969":5139,"_49":5140,"_1967":1973},{},[5141],{"_1969":5142,"_1980":5143,"_1978":5144,"_1967":1977},{},[],"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. ",{"_1969":5146,"_49":5147,"_1967":1973},{},[5148],{"_1969":5149,"_1980":5150,"_1978":5151,"_1967":1977},{},[],"You could consider a card with accounting integrations, which also offers the option to have multiple cards for your employees.","3dYPrLudzHp9TnjmXLCwM",{"_1793":5154,"_1799":5157,"_1833":5168},{"_1795":5155,"_1797":5156},[],[],{"_1801":5158,"_13":1809,"_1807":5152,"_1811":5160,"_1816":5127,"_1818":5162,"_1820":5163,"_1822":5163,"_1823":5164,"_1825":5165,"_1779":5166,"_1831":1832},{"_1799":5159},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5161},{"_13":1804,"_1805":1814,"_1807":2380},"2023-05-16T14:30:50.054Z","2026-05-20T12:49:32.750Z","2023-05-18T13:04:21.637Z",77,{"_1799":5167},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5169,"_1836":1837,"_2010":5170,"_2391":5171,"_2586":1786},"Platinum - Business current accounts - Sticky Nav","sticky-nav",{"_5172":5173},"sections",[5174,5178,5182,5186,5190],{"_1815":5175,"_47":5176,"_1807":5177},"Platinum - business bank account - at a glance","At a glance","59CSAthniFl4YlHk4DHSBg",{"_1815":5179,"_47":5180,"_1807":5181},"Platinum - Business current accounts - What to look for in a business bank account","What to look for","uBUWUf9XgCtl6klUtuIfr",{"_1815":5183,"_47":5184,"_1807":5185},"Platinum - Business current accounts - How to compare ","How to compare","3uxscYf39N8Zv9CWAR55OY",{"_1815":5187,"_47":5188,"_1807":5189},"Platinum - Business current accounts - What do you need?","What you need to apply","68C8zenar0UwR7yEUvEhJB",{"_1815":5191,"_47":5192,"_1807":5193},"Platinum - Business current accounts - FAQs","FAQs","5m0t0sKX9ECCfpMRHZLrmp","3iJuZSD4jffkLFgkKt5zIb",{"_1793":5196,"_1799":5199,"_1833":5209},{"_1795":5197,"_1797":5198},[],[],{"_1801":5200,"_13":1809,"_1807":5194,"_1811":5202,"_1816":3732,"_1818":5204,"_1820":5205,"_1822":5205,"_1823":5206,"_1825":4712,"_1779":5207,"_1831":1832},{"_1799":5201},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5203},{"_13":1804,"_1805":1814,"_1807":4708},"2025-02-03T10:25:53.095Z","2026-05-16T13:18:03.733Z","2025-02-13T17:13:19.704Z",{"_1799":5208},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5210,"_1836":1837,"_2070":5211,"_1977":5212,"_1941":5213},"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":5216,"_1799":5219,"_1833":5229},{"_1795":5217,"_1797":5218},[],[],{"_1801":5220,"_13":1809,"_1807":5214,"_1811":5222,"_1816":2278,"_1818":5224,"_1820":5225,"_1822":5225,"_1823":5226,"_1825":4376,"_1779":5227,"_1831":1832},{"_1799":5221},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5223},{"_13":1804,"_1805":1814,"_1807":2211},"2026-04-24T09:26:33.632Z","2026-05-16T13:18:03.833Z","2026-04-24T16:59:21.907Z",{"_1799":5228},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5230,"_49":5231,"_1836":1837},"Am I eligible?",{"_1799":5232},{"_13":1804,"_1805":1809,"_1807":5233},"kfsTKGyJA5kgJHhzh7a3F",{"_1793":5235,"_1799":5238,"_1833":5249},{"_1795":5236,"_1797":5237},[],[],{"_1801":5239,"_13":1809,"_1807":3811,"_1811":5241,"_1816":1936,"_1818":5243,"_1820":5244,"_1822":5244,"_1823":5245,"_1825":5246,"_1779":5247,"_1831":1832},{"_1799":5240},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5242},{"_13":1804,"_1805":1814,"_1807":2000},"2026-05-20T14:03:30.596Z","2026-06-01T18:37:48.926Z","2026-05-27T17:46:22.928Z",58,{"_1799":5248},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5250,"_1836":1837,"_2010":2011,"_2160":5251,"_49":5266},"Business credit cards at a glance",{"_1969":5252,"_49":5253,"_1967":1968},{},[5254,5260],{"_1969":5255,"_49":5256,"_1967":2350},{},[5257],{"_1969":5258,"_1980":5259,"_1978":5250,"_1967":1977},{},[],{"_1969":5261,"_49":5262,"_1967":1973},{},[5263],{"_1969":5264,"_1980":5265,"_1978":9,"_1967":1977},{},[],{"_1967":1968,"_1969":5267,"_49":5268},{},[5269,5277,5300,5308,5331,5339,5362],{"_1967":1973,"_1969":5270,"_49":5271},{},[5272],{"_1967":1977,"_1978":5273,"_1980":5274,"_1969":5276},"Can I apply?",[5275],{"_13":3095},{},{"_1967":2427,"_1969":5278,"_49":5279},{},[5280,5290],{"_1967":2431,"_1969":5281,"_49":5282},{},[5283],{"_1967":1973,"_1969":5284,"_49":5285},{},[5286],{"_1967":1977,"_1978":5287,"_1980":5288,"_1969":5289},"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.",[],{},{"_1967":2431,"_1969":5291,"_49":5292},{},[5293],{"_1967":1973,"_1969":5294,"_49":5295},{},[5296],{"_1967":1977,"_1978":5297,"_1980":5298,"_1969":5299},"When deciding what to apply for, it’s best to choose a card that suits your company and profile.",[],{},{"_1967":1973,"_1969":5301,"_49":5302},{},[5303],{"_1967":1977,"_1978":5304,"_1980":5305,"_1969":5307},"Am I Eligible? ",[5306],{"_13":3095},{},{"_1967":2427,"_1969":5309,"_49":5310},{},[5311,5321],{"_1967":2431,"_1969":5312,"_49":5313},{},[5314],{"_1967":1973,"_1969":5315,"_49":5316},{},[5317],{"_1967":1977,"_1978":5318,"_1980":5319,"_1969":5320},"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.",[],{},{"_1967":2431,"_1969":5322,"_49":5323},{},[5324],{"_1967":1973,"_1969":5325,"_49":5326},{},[5327],{"_1967":1977,"_1978":5328,"_1980":5329,"_1969":5330},"Some providers offer soft eligibility checks to show your chances of approval before you apply (which won't impact your credit score).",[],{},{"_1967":1973,"_1969":5332,"_49":5333},{},[5334],{"_1967":1977,"_1978":5335,"_1980":5336,"_1969":5338},"How long will it take?",[5337],{"_13":3095},{},{"_1967":2427,"_1969":5340,"_49":5341},{},[5342,5352],{"_1967":2431,"_1969":5343,"_49":5344},{},[5345],{"_1967":1973,"_1969":5346,"_49":5347},{},[5348],{"_1967":1977,"_1978":5349,"_1980":5350,"_1969":5351},"Approval can range from an instant decision to a few days, depending on how quickly the provider completes your credit checks. ",[],{},{"_1967":2431,"_1969":5353,"_49":5354},{},[5355],{"_1967":1973,"_1969":5356,"_49":5357},{},[5358],{"_1967":1977,"_1978":5359,"_1980":5360,"_1969":5361},"Once you're approved, your card will generally arrive within 7-10 days, but virtual cards can be available immediately.",[],{},{"_1967":1973,"_1969":5363,"_49":5364},{},[5365],{"_1967":1977,"_1978":9,"_1980":5366,"_1969":5367},[],{},"3px7oJ6B9N9RbX0b9WAmrS",{"_1793":5370,"_1799":5373,"_1833":5384},{"_1795":5371,"_1797":5372},[],[],{"_1801":5374,"_13":1809,"_1807":5368,"_1811":5376,"_1816":2278,"_1818":5379,"_1820":5380,"_1822":5380,"_1823":5381,"_1825":1960,"_1779":5382,"_1831":1832},{"_1799":5375},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5377},{"_13":1804,"_1805":1814,"_1807":5378},"linkList","2024-08-14T15:19:30.491Z","2025-06-19T15:37:22.039Z","2024-08-16T08:37:03.162Z",{"_1799":5383},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5385,"_1836":1837,"_1943":5386,"_3696":5387},"Business - Guides - You may also like - Business credit cards","You may also like",[5388,5390,5393,5396,5398],{"_1799":5389},{"_13":1804,"_1805":1809,"_1807":2973},{"_1799":5391},{"_13":1804,"_1805":1809,"_1807":5392},"5Jgmgf3k9pTwikKGxNQGCV",{"_1799":5394},{"_13":1804,"_1805":1809,"_1807":5395},"4T8LwalL4lbPjvDlrkXxnM",{"_1799":5397},{"_13":1804,"_1805":1809,"_1807":4454},{"_1799":5399},{"_13":1804,"_1805":1809,"_1807":2222},"3q0PQcUj25hYubm8nnwzhl",{"_1793":5402,"_1799":5405,"_1833":5416},{"_1795":5403,"_1797":5404},[],[],{"_1801":5406,"_13":1809,"_1807":5400,"_1811":5408,"_1816":2151,"_1818":5410,"_1820":5411,"_1822":5411,"_1823":5412,"_1825":5413,"_1779":5414,"_1831":1832},{"_1799":5407},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5409},{"_13":1804,"_1805":1814,"_1807":1955},"2025-02-24T14:45:01.487Z","2026-06-01T18:37:50.022Z","2025-02-24T14:46:00.748Z",29,{"_1799":5415},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5417,"_1943":5418,"_49":5419,"_1836":1837},"Platinum - Business - Business Credit Cards - Interest-free","Are there any interest-free business credit cards?",{"_1967":1968,"_1969":5420,"_49":5421},{},[5422,5429,5436],{"_1967":1973,"_1969":5423,"_49":5424},{},[5425],{"_1967":1977,"_1978":5426,"_1980":5427,"_1969":5428},"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.",[],{},{"_1967":1973,"_1969":5430,"_49":5431},{},[5432],{"_1967":1977,"_1978":5433,"_1980":5434,"_1969":5435},"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.",[],{},{"_1967":1973,"_1969":5437,"_49":5438},{},[5439,5443,5447,5450,5458],{"_1967":1977,"_1978":5440,"_1980":5441,"_1969":5442},"Choosing a card with a generous interest-free window can help ",[],{},{"_1967":1977,"_1978":5444,"_1980":5445,"_1969":5446},"free up",[],{},{"_1967":1977,"_1978":3152,"_1980":5448,"_1969":5449},[],{},{"_1967":2309,"_1969":5451,"_49":5453},{"_2300":5452},"https://www.money.co.uk/business/guides/what-is-working-capital",[5454],{"_1967":1977,"_1978":5455,"_1980":5456,"_1969":5457},"working capital",[],{},{"_1967":1977,"_1978":5459,"_1980":5460,"_1969":5461},", especially when spreading the cost of large purchases.",[],{},"3uGVJMHgLuZVxyuW9kI1Fh",{"_1793":5464,"_1799":5467,"_1833":5477},{"_1795":5465,"_1797":5466},[],[],{"_1801":5468,"_13":1809,"_1807":5462,"_1811":5470,"_1816":4376,"_1818":5472,"_1820":5473,"_1822":5473,"_1823":5474,"_1825":3248,"_1779":5475,"_1831":1832},{"_1799":5469},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5471},{"_13":1804,"_1805":1814,"_1807":1955},"2025-12-04T10:53:56.846Z","2026-05-16T13:18:04.970Z","2025-12-04T10:55:14.779Z",{"_1799":5476},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5478,"_1943":5479,"_49":5480,"_1836":1837},"Platinum - business loans - FAQ 11","Can I apply for a business loan if my company isn’t profitable yet?",{"_1969":5481,"_49":5482,"_1967":1968},{},[5483],{"_1969":5484,"_49":5485,"_1967":1973},{},[5486],{"_1969":5487,"_1980":5488,"_1978":5489,"_1967":1977},{},[],"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":5491,"_1799":5494,"_1833":5504},{"_1795":5492,"_1797":5493},[],[],{"_1801":5495,"_13":1809,"_1807":5185,"_1811":5497,"_1816":1826,"_1818":5499,"_1820":5500,"_1822":5500,"_1823":5501,"_1825":5127,"_1779":5502,"_1831":1832},{"_1799":5496},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5498},{"_13":1804,"_1805":1814,"_1807":2380},"2023-05-16T13:41:35.456Z","2026-04-29T09:42:14.753Z","2023-05-16T13:46:08.265Z",{"_1799":5503},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5183,"_1836":1837,"_2010":5505,"_2391":5506,"_2586":1786},"card-carousel",{"_1943":5507,"_5508":59,"_5509":5510,"_5511":5512},"How to compare business bank accounts","showSubHeader","subHeaderContent","When comparing business accounts, consider the following factors:","cards",[5513,5520,5523,5527,5531],{"_5514":1943,"_1943":5515,"_5516":5517,"_5518":5515,"_2070":5519},"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",{"_5514":1943,"_1943":5521,"_5516":5522,"_5518":5521,"_2070":4717},"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.",{"_5514":1943,"_1943":5524,"_5516":5525,"_5518":5526,"_2070":5211},"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",{"_5514":1943,"_1943":5528,"_5516":5529,"_5518":5528,"_2070":5530},"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",{"_5514":1943,"_1943":5532,"_5516":5533,"_5518":5532,"_2070":5534},"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. These can streamline operations and save time.","number-five-circle",{"_1793":5536,"_1799":5539,"_1833":5550},{"_1795":5537,"_1797":5538},[],[],{"_1801":5540,"_13":1809,"_1807":3860,"_1811":5542,"_1816":5165,"_1818":5544,"_1820":5545,"_1822":5545,"_1823":5546,"_1825":5547,"_1779":5548,"_1831":1832},{"_1799":5541},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5543},{"_13":1804,"_1805":1814,"_1807":2380},"2024-06-20T12:28:06.280Z","2026-06-01T18:37:50.115Z","2024-06-20T12:31:59.548Z",94,{"_1799":5549},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5551,"_1836":1837,"_2010":5552,"_2391":5553,"_2586":1786},"About the author - Joe","about-the-author",{"_3622":5554,"_47":4330,"_3609":5555,"_4331":4332},"Joe joined the money.co.uk team in 2024, where he helps small business owners navigate the often confusing world of business finance. His role is to cut through the jargon and create clear, actionable content that empowers entrepreneurs to make confident financial decisions.","https://img.money.co.uk/t014ej9w3ur1/1NrCh0JrfhpmliOJVrls74/0d0979720c148489f1cb6ac632c24fd6/IMG_1138.jpg.png?auto=format%2Ccompress&q=45&ixlib=react-9.8.1&w=1054",{"_1793":5557,"_1799":5560,"_1833":5570},{"_1795":5558,"_1797":5559},[],[],{"_1801":5561,"_13":1809,"_1807":3857,"_1811":5563,"_1816":2624,"_1818":5565,"_1820":5566,"_1822":5566,"_1823":5567,"_1825":2867,"_1779":5568,"_1831":1832},{"_1799":5562},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5564},{"_13":1804,"_1805":1814,"_1807":3555},"2023-06-15T11:32:49.883Z","2026-06-01T18:37:49.823Z","2023-06-16T10:38:38.238Z",{"_1799":5569},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5571,"_1836":1837,"_1943":5192,"_3565":59,"_2010":2011,"_3567":5572},"Platinum - Business - Business Credit Cards - FAQs",[5573,5576,5579,5582,5585,5588,5590,5592,5594,5596,5599,5601],{"_1799":5574},{"_13":1804,"_1805":1809,"_1807":5575},"7FluxEHYl9fj4tKby7MMmO",{"_1799":5577},{"_13":1804,"_1805":1809,"_1807":5578},"50yiTEl1DLAS5FcxYlimZx",{"_1799":5580},{"_13":1804,"_1805":1809,"_1807":5581},"47e4BHm7vMQWgGNSKnhKBC",{"_1799":5583},{"_13":1804,"_1805":1809,"_1807":5584},"m63i6Gj55vylUbcr12jVL",{"_1799":5586},{"_13":1804,"_1805":1809,"_1807":5587},"4Zj31SLcUoGj3HIAJV59aL",{"_1799":5589},{"_13":1804,"_1805":1809,"_1807":4010},{"_1799":5591},{"_13":1804,"_1805":1809,"_1807":1945},{"_1799":5593},{"_13":1804,"_1805":1809,"_1807":5400},{"_1799":5595},{"_13":1804,"_1805":1809,"_1807":4165},{"_1799":5597},{"_13":1804,"_1805":1809,"_1807":5598},"7ySEA0ugXQ8hJI1RIegKmn",{"_1799":5600},{"_13":1804,"_1805":1809,"_1807":3054},{"_1799":5602},{"_13":1804,"_1805":1809,"_1807":5603},"7EkmNKHazjGmFcPlhZuVoM","4448z5Vn5vWtli48s745nn",{"_1793":5606,"_1799":5609,"_1833":5620},{"_1795":5607,"_1797":5608},[],[],{"_1801":5610,"_13":1809,"_1807":5604,"_1811":5612,"_1816":2282,"_1818":5614,"_1820":5615,"_1822":5615,"_1823":5616,"_1825":5617,"_1779":5618,"_1831":1832},{"_1799":5611},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5613},{"_13":1804,"_1805":1814,"_1807":2000},"2026-05-15T16:46:10.698Z","2026-06-02T15:06:32.228Z","2026-05-15T17:04:32.101Z",109,{"_1799":5619},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5621,"_1836":1837,"_2010":2011,"_2160":5622,"_49":5638,"_2029":5687},"What are the main types of business loan?",{"_1969":5623,"_49":5624,"_1967":1968},{},[5625,5632],{"_1969":5626,"_49":5627,"_1967":2350},{},[5628],{"_1969":5629,"_1980":5630,"_1978":5631,"_1967":1977},{},[],"Main types of business loan",{"_1969":5633,"_49":5634,"_1967":1973},{},[5635],{"_1969":5636,"_1980":5637,"_1978":9,"_1967":1977},{},[],{"_1967":1968,"_1969":5639,"_49":5640},{},[5641,5648,5681],{"_1967":2034,"_1969":5642,"_49":5643},{},[5644],{"_1967":1977,"_1978":5645,"_1980":5646,"_1969":5647},"Secured business loan",[],{},{"_1967":2427,"_1969":5649,"_49":5650},{},[5651,5661,5671],{"_1967":2431,"_1969":5652,"_49":5653},{},[5654],{"_1967":1973,"_1969":5655,"_49":5656},{},[5657],{"_1967":1977,"_1978":5658,"_1980":5659,"_1969":5660},"You need to provide assets as security to cover the amount being borrowed. Assets can include property or company shares.",[],{},{"_1967":2431,"_1969":5662,"_49":5663},{},[5664],{"_1967":1973,"_1969":5665,"_49":5666},{},[5667],{"_1967":1977,"_1978":5668,"_1980":5669,"_1969":5670},"Usually, it is most suited if you want to borrow large amounts over a longer period.",[],{},{"_1967":2431,"_1969":5672,"_49":5673},{},[5674],{"_1967":1973,"_1969":5675,"_49":5676},{},[5677],{"_1967":1977,"_1978":5678,"_1980":5679,"_1969":5680},"Interest rates are typically lower than those for unsecured loans.",[],{},{"_1967":1973,"_1969":5682,"_49":5683},{},[5684],{"_1967":1977,"_1978":9,"_1980":5685,"_1969":5686},[],{},{"_1969":5688,"_49":5689,"_1967":1968},{},[5690,5697,5730],{"_1969":5691,"_49":5692,"_1967":2034},{},[5693],{"_1969":5694,"_1980":5695,"_1978":5696,"_1967":1977},{},[],"Unsecured business loan",{"_1969":5698,"_49":5699,"_1967":2427},{},[5700,5710,5720],{"_1969":5701,"_49":5702,"_1967":2431},{},[5703],{"_1969":5704,"_49":5705,"_1967":1973},{},[5706],{"_1969":5707,"_1980":5708,"_1978":5709,"_1967":1977},{},[],"Your business can borrow money without offering any assets as collateral.",{"_1969":5711,"_49":5712,"_1967":2431},{},[5713],{"_1969":5714,"_49":5715,"_1967":1973},{},[5716],{"_1969":5717,"_1980":5718,"_1978":5719,"_1967":1977},{},[],"If you prefer the funds to be released quickly (sometimes 3-4 days), it could be a better-suited option.",{"_1969":5721,"_49":5722,"_1967":2431},{},[5723],{"_1969":5724,"_49":5725,"_1967":1973},{},[5726],{"_1969":5727,"_1980":5728,"_1978":5729,"_1967":1977},{},[],"Interest rates tend to be higher as lenders take on more risk.",{"_1969":5731,"_49":5732,"_1967":1973},{},[5733],{"_1969":5734,"_1980":5735,"_1978":9,"_1967":1977},{},[],"44kegw6REjlUetB6sNa4GP",{"_1793":5738,"_1799":5743,"_1833":5755},{"_1795":5739,"_1797":5742},[5740],{"_1799":5741},{"_13":1804,"_1805":1924,"_1807":1925},[],{"_1801":5744,"_13":1809,"_1807":5736,"_1811":5746,"_1816":1817,"_1818":5749,"_1820":5750,"_1822":5750,"_1823":5751,"_1825":5752,"_1779":5753,"_1831":1832},{"_1799":5745},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5747},{"_13":1804,"_1805":1814,"_1807":5748},"richTextModule","2025-04-23T11:35:06.162Z","2026-06-03T10:02:18.706Z","2025-04-27T16:05:13.766Z",120,{"_1799":5754},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5756,"_49":5757,"_6517":59,"_6518":6519,"_2010":6520,"_1836":1837},"Business - Guides - What is a corporate credit card? - RTM template",{"_1967":1968,"_1969":5758,"_49":5759},{},[5760,5767,5774,5781,5814,5820,5827,5846,5865,5872,5878,5885,5892,5904,5916,5928,5981,5993,6005,6012,6031,6038,6081,6088,6155,6162,6169,6188,6195,6218,6225,6232,6311,6318,6325,6332,6425,6432,6439,6469,6476,6494,6500,6505,6511],{"_1967":1973,"_1969":5761,"_49":5762},{},[5763],{"_1967":1977,"_1978":5764,"_1980":5765,"_1969":5766},"Managing credit card statements and employee spending can be time-consuming. Corporate credit cards offer a way to simplify these tasks and maintain control. However, they’re not the right fit for every business. ",[],{},{"_1967":1973,"_1969":5768,"_49":5769},{},[5770],{"_1967":1977,"_1978":5771,"_1980":5772,"_1969":5773},"This guide explains what a corporate card is and helps you determine whether it’s the right choice for your company and team.",[],{},{"_1967":2350,"_1969":5775,"_49":5776},{},[5777],{"_1967":1977,"_1978":5778,"_1980":5779,"_1969":5780},"Key takeaways",[],{},{"_1967":2427,"_1969":5782,"_49":5783},{},[5784,5794,5804],{"_1967":2431,"_1969":5785,"_49":5786},{},[5787],{"_1967":1973,"_1969":5788,"_49":5789},{},[5790],{"_1967":1977,"_1978":5791,"_1980":5792,"_1969":5793},"A corporate credit card simplifies spending and expense tracking for businesses",[],{},{"_1967":2431,"_1969":5795,"_49":5796},{},[5797],{"_1967":1973,"_1969":5798,"_49":5799},{},[5800],{"_1967":1977,"_1978":5801,"_1980":5802,"_1969":5803},"Eligibility depends on the provider – but they're typically designed for larger companies with multiple employees",[],{},{"_1967":2431,"_1969":5805,"_49":5806},{},[5807],{"_1967":1973,"_1969":5808,"_49":5809},{},[5810],{"_1967":1977,"_1978":5811,"_1980":5812,"_1969":5813},"Businesses should set clear usage policies to avoid misuse by employees",[],{},{"_1967":2022,"_1969":5815,"_49":5819},{"_2017":5816},{"_1799":5817},{"_1807":5818,"_13":1804,"_1805":1809},"7rGbJHbBTura1hZP16M8Vk",[],{"_1967":2350,"_1969":5821,"_49":5822},{},[5823],{"_1967":1977,"_1978":5824,"_1980":5825,"_1969":5826},"What is a corporate credit card?",[],{},{"_1967":1973,"_1969":5828,"_49":5829},{},[5830,5834,5842],{"_1967":1977,"_1978":5831,"_1980":5832,"_1969":5833},"A corporate credit card functions similarly to a ",[],{},{"_1967":2309,"_1969":5835,"_49":5837},{"_2300":5836},"/business/business-credit-cards/what-is-a-business-credit-card",[5838],{"_1967":1977,"_1978":5839,"_1980":5840,"_1969":5841},"regular business credit card",[],{},{"_1967":1977,"_1978":5843,"_1980":5844,"_1969":5845}," in that you use it for purchases and pay off the balance later, often with interest or charges if repayment is missed. ",[],{},{"_1967":1973,"_1969":5847,"_49":5848},{},[5849,5853,5861],{"_1967":1977,"_1978":5850,"_1980":5851,"_1969":5852},"The main difference is that it’s typically issued to employees, allowing them to cover ",[],{},{"_1967":2309,"_1969":5854,"_49":5856},{"_2300":5855},"/business/guides/business-expenses-explained",[5857],{"_1967":1977,"_1978":5858,"_1980":5859,"_1969":5860},"work-related expenses",[],{},{"_1967":1977,"_1978":5862,"_1980":5863,"_1969":5864}," such as travel, meals, supplies, or hotel stays on behalf of the business. ",[],{},{"_1967":1973,"_1969":5866,"_49":5867},{},[5868],{"_1967":1977,"_1978":5869,"_1980":5870,"_1969":5871},"This means employees don’t need to pay upfront and wait for reimbursement. Instead, the business generally settles the balance directly.",[],{},{"_1967":2022,"_1969":5873,"_49":5877},{"_2017":5874},{"_1799":5875},{"_1807":5876,"_13":1804,"_1805":1809},"6GbhauvCqOBjC5leersenj",[],{"_1967":2350,"_1969":5879,"_49":5880},{},[5881],{"_1967":1977,"_1978":5882,"_1980":5883,"_1969":5884},"How does a corporate credit card work?",[],{},{"_1967":1973,"_1969":5886,"_49":5887},{},[5888],{"_1967":1977,"_1978":5889,"_1980":5890,"_1969":5891},"A corporate credit card works like a standard business credit card, but with a few key differences. Here’s how it works in five simple steps: ",[],{},{"_1967":1973,"_1969":5893,"_49":5894},{},[5895,5900],{"_1967":1977,"_1978":5896,"_1980":5897,"_1969":5899},"1. Apply:",[5898],{"_13":3095},{},{"_1967":1977,"_1978":5901,"_1980":5902,"_1969":5903}," The business applies for a corporate credit card through its chosen provider",[],{},{"_1967":1973,"_1969":5905,"_49":5906},{},[5907,5912],{"_1967":1977,"_1978":5908,"_1980":5909,"_1969":5911},"2. Get approved:",[5910],{"_13":3095},{},{"_1967":1977,"_1978":5913,"_1980":5914,"_1969":5915}," Once approved, the provider issues cards to the selected employees",[],{},{"_1967":1973,"_1969":5917,"_49":5918},{},[5919,5924],{"_1967":1977,"_1978":5920,"_1980":5921,"_1969":5923},"3. Spend:",[5922],{"_13":3095},{},{"_1967":1977,"_1978":5925,"_1980":5926,"_1969":5927}," Employees use the cards for business-related purchases, such as:",[],{},{"_1967":2427,"_1969":5929,"_49":5930},{},[5931,5941,5951,5961,5971],{"_1967":2431,"_1969":5932,"_49":5933},{},[5934],{"_1967":1973,"_1969":5935,"_49":5936},{},[5937],{"_1967":1977,"_1978":5938,"_1980":5939,"_1969":5940},"Travel (flights or train tickets)",[],{},{"_1967":2431,"_1969":5942,"_49":5943},{},[5944],{"_1967":1973,"_1969":5945,"_49":5946},{},[5947],{"_1967":1977,"_1978":5948,"_1980":5949,"_1969":5950},"Hotel stays",[],{},{"_1967":2431,"_1969":5952,"_49":5953},{},[5954],{"_1967":1973,"_1969":5955,"_49":5956},{},[5957],{"_1967":1977,"_1978":5958,"_1980":5959,"_1969":5960},"Meals and drinks while travelling",[],{},{"_1967":2431,"_1969":5962,"_49":5963},{},[5964],{"_1967":1973,"_1969":5965,"_49":5966},{},[5967],{"_1967":1977,"_1978":5968,"_1980":5969,"_1969":5970},"Office supplies or equipment",[],{},{"_1967":2431,"_1969":5972,"_49":5973},{},[5974],{"_1967":1973,"_1969":5975,"_49":5976},{},[5977],{"_1967":1977,"_1978":5978,"_1980":5979,"_1969":5980},"Client entertainment or meeting costs",[],{},{"_1967":1973,"_1969":5982,"_49":5983},{},[5984,5989],{"_1967":1977,"_1978":5985,"_1980":5986,"_1969":5988},"4. Track:",[5987],{"_13":3095},{},{"_1967":1977,"_1978":5990,"_1980":5991,"_1969":5992}," The provider tracks all card spending and sends a single statement to the business",[],{},{"_1967":1973,"_1969":5994,"_49":5995},{},[5996,6001],{"_1967":1977,"_1978":5997,"_1980":5998,"_1969":6000},"5. Repay:",[5999],{"_13":3095},{},{"_1967":1977,"_1978":6002,"_1980":6003,"_1969":6004}," The business repays the balance. With some corporate cards, this needs to be in full at the end of each month, with fees charged if it's not. Some providers may allow repayments over time, with interest charged like standard business credit cards.",[],{},{"_1967":2350,"_1969":6006,"_49":6007},{},[6008],{"_1967":1977,"_1978":6009,"_1980":6010,"_1969":6011},"What’s the difference between a corporate and a business credit card?",[],{},{"_1967":1973,"_1969":6013,"_49":6014},{},[6015,6019,6027],{"_1967":1977,"_1978":6016,"_1980":6017,"_1969":6018},"It’s easy to think both card types are the same, but there are differences between a corporate and a ",[],{},{"_1967":2309,"_1969":6020,"_49":6021},{"_2300":304},[6022],{"_1967":1977,"_1978":6023,"_1980":6024,"_1969":6026},"business credit card",[6025],{"_13":2307},{},{"_1967":1977,"_1978":6028,"_1980":6029,"_1969":6030},". Let’s break it down.",[],{},{"_1967":2034,"_1969":6032,"_49":6033},{},[6034],{"_1967":1977,"_1978":6035,"_1980":6036,"_1969":6037},"Corporate credit card",[],{},{"_1967":2427,"_1969":6039,"_49":6040},{},[6041,6051,6061,6071],{"_1967":2431,"_1969":6042,"_49":6043},{},[6044],{"_1967":1973,"_1969":6045,"_49":6046},{},[6047],{"_1967":1977,"_1978":6048,"_1980":6049,"_1969":6050},"Designed for larger companies with higher revenue and more employees",[],{},{"_1967":2431,"_1969":6052,"_49":6053},{},[6054],{"_1967":1973,"_1969":6055,"_49":6056},{},[6057],{"_1967":1977,"_1978":6058,"_1980":6059,"_1969":6060},"The business, not the employee, takes responsibility for the balance",[],{},{"_1967":2431,"_1969":6062,"_49":6063},{},[6064],{"_1967":1973,"_1969":6065,"_49":6066},{},[6067],{"_1967":1977,"_1978":6068,"_1980":6069,"_1969":6070},"Corporate credit cards often provide advanced reporting tools and custom spending controls",[],{},{"_1967":2431,"_1969":6072,"_49":6073},{},[6074],{"_1967":1973,"_1969":6075,"_49":6076},{},[6077],{"_1967":1977,"_1978":6078,"_1980":6079,"_1969":6080},"Approval typically requires a credit check on the business rather than on an individual",[],{},{"_1967":2034,"_1969":6082,"_49":6083},{},[6084],{"_1967":1977,"_1978":6085,"_1980":6086,"_1969":6087},"Business credit card",[],{},{"_1967":2427,"_1969":6089,"_49":6090},{},[6091,6112,6122,6145],{"_1967":2431,"_1969":6092,"_49":6093},{},[6094],{"_1967":1973,"_1969":6095,"_49":6096},{},[6097,6101,6109],{"_1967":1977,"_1978":6098,"_1980":6099,"_1969":6100},"Ideal for small to medium-sized businesses, ",[],{},{"_1967":2309,"_1969":6102,"_49":6104},{"_2300":6103},"/business/business-credit-cards/can-you-get-a-business-credit-card-as-a-sole-trader",[6105],{"_1967":1977,"_1978":6106,"_1980":6107,"_1969":6108},"including sole traders",[],{},{"_1967":1977,"_1978":9,"_1980":6110,"_1969":6111},[],{},{"_1967":2431,"_1969":6113,"_49":6114},{},[6115],{"_1967":1973,"_1969":6116,"_49":6117},{},[6118],{"_1967":1977,"_1978":6119,"_1980":6120,"_1969":6121},"Repayment responsibility depends on the structure of the business. A sole trader typically takes on personal liability, while the business itself assumes responsibility in a limited company structure",[],{},{"_1967":2431,"_1969":6123,"_49":6124},{},[6125],{"_1967":1973,"_1969":6126,"_49":6127},{},[6128,6132,6141],{"_1967":1977,"_1978":6129,"_1980":6130,"_1969":6131},"Usually offers basic ",[],{},{"_1967":2309,"_1969":6133,"_49":6135},{"_2300":6134},"/business/guides/how-to-track-business-expenses",[6136],{"_1967":1977,"_1978":6137,"_1980":6138,"_1969":6140},"expense tracking",[6139],{"_13":2307},{},{"_1967":1977,"_1978":6142,"_1980":6143,"_1969":6144}," and rewards",[],{},{"_1967":2431,"_1969":6146,"_49":6147},{},[6148],{"_1967":1973,"_1969":6149,"_49":6150},{},[6151],{"_1967":1977,"_1978":6152,"_1980":6153,"_1969":6154},"A simpler application process with fewer checks",[],{},{"_1967":2350,"_1969":6156,"_49":6157},{},[6158],{"_1967":1977,"_1978":6159,"_1980":6160,"_1969":6161},"Who can get a corporate credit card?",[],{},{"_1967":1973,"_1969":6163,"_49":6164},{},[6165],{"_1967":1977,"_1978":6166,"_1980":6167,"_1969":6168},"Card providers set their own eligibility criteria, so requirements vary. There’s also no fixed rule on who can get a corporate credit card, but the type of business you run can affect the application process.",[],{},{"_1967":1973,"_1969":6170,"_49":6171},{},[6172,6176,6184],{"_1967":1977,"_1978":6173,"_1980":6174,"_1969":6175},"If you run a larger limited company, you may find it easier to qualify, because you’re more likely to have the financial structure and ",[],{},{"_1967":2309,"_1969":6177,"_49":6179},{"_2300":6178},"/business/credit-reports/business-credit-scores-explained",[6180],{"_1967":1977,"_1978":6181,"_1980":6182,"_1969":6183},"credit history ",[],{},{"_1967":1977,"_1978":6185,"_1980":6186,"_1969":6187},"providers look for.",[],{},{"_1967":1973,"_1969":6189,"_49":6190},{},[6191],{"_1967":1977,"_1978":6192,"_1980":6193,"_1969":6194},"If you’re a sole trader or in a partnership, you can still apply, but there's a good chance you won't be approved as your business structure is unlikely going to meet the eligibility requirements for a corporate card. ",[],{},{"_1967":6196,"_1969":6197,"_49":6198},"blockquote",{},[6199],{"_1967":1973,"_1969":6200,"_49":6201},{},[6202,6207,6215],{"_1967":1977,"_1978":6203,"_1980":6204,"_1969":6206},"💡 Editor insight: ",[6205],{"_13":3095},{},{"_1967":2309,"_1969":6208,"_49":6210},{"_2300":6209},"/business/insights/the-SME-blind-spot",[6211],{"_1967":1977,"_1978":6212,"_1980":6213,"_1969":6214},"The SME blind spot: Why it pays to know your business credit score",[],{},{"_1967":1977,"_1978":9,"_1980":6216,"_1969":6217},[],{},{"_1967":2350,"_1969":6219,"_49":6220},{},[6221],{"_1967":1977,"_1978":6222,"_1980":6223,"_1969":6224},"How to apply for a corporate credit card",[],{},{"_1967":1973,"_1969":6226,"_49":6227},{},[6228],{"_1967":1977,"_1978":6229,"_1980":6230,"_1969":6231},"Here’s how to apply for a corporate credit card in five simple steps:",[],{},{"_1967":6233,"_1969":6234,"_49":6235},"ordered-list",{},[6236,6251,6266,6281,6296],{"_1967":2431,"_1969":6237,"_49":6238},{},[6239],{"_1967":1973,"_1969":6240,"_49":6241},{},[6242,6247],{"_1967":1977,"_1978":6243,"_1980":6244,"_1969":6246},"Compare providers:",[6245],{"_13":3095},{},{"_1967":1977,"_1978":6248,"_1980":6249,"_1969":6250}," Find a card provider that matches your business needs, including fees, credit limits and features",[],{},{"_1967":2431,"_1969":6252,"_49":6253},{},[6254],{"_1967":1973,"_1969":6255,"_49":6256},{},[6257,6262],{"_1967":1977,"_1978":6258,"_1980":6259,"_1969":6261},"Check eligibility:",[6260],{"_13":3095},{},{"_1967":1977,"_1978":6263,"_1980":6264,"_1969":6265}," Review the provider’s requirements. Do you meet the minimum turnover? Do you have the right business structure and credit history?",[],{},{"_1967":2431,"_1969":6267,"_49":6268},{},[6269],{"_1967":1973,"_1969":6270,"_49":6271},{},[6272,6277],{"_1967":1977,"_1978":6273,"_1980":6274,"_1969":6276},"Gather documents:",[6275],{"_13":3095},{},{"_1967":1977,"_1978":6278,"_1980":6279,"_1969":6280}," Prepare the business’s financial records, company registration details and ID for directors or owners",[],{},{"_1967":2431,"_1969":6282,"_49":6283},{},[6284],{"_1967":1973,"_1969":6285,"_49":6286},{},[6287,6292],{"_1967":1977,"_1978":6288,"_1980":6289,"_1969":6291},"Submit your application:",[6290],{"_13":3095},{},{"_1967":1977,"_1978":6293,"_1980":6294,"_1969":6295}," Apply online or through a business banking contact",[],{},{"_1967":2431,"_1969":6297,"_49":6298},{},[6299],{"_1967":1973,"_1969":6300,"_49":6301},{},[6302,6307],{"_1967":1977,"_1978":6303,"_1980":6304,"_1969":6306},"Wait for review and approval:",[6305],{"_13":3095},{},{"_1967":1977,"_1978":6308,"_1980":6309,"_1969":6310}," The provider assesses your application, runs credit checks and, if satisfied, issues cards to the business and approved employees",[],{},{"_1967":2350,"_1969":6312,"_49":6313},{},[6314],{"_1967":1977,"_1978":6315,"_1980":6316,"_1969":6317},"How to create a corporate credit card policy",[],{},{"_1967":1973,"_1969":6319,"_49":6320},{},[6321],{"_1967":1977,"_1978":6322,"_1980":6323,"_1969":6324},"It’s important to set a clear policy around how to use a corporate credit card in your business. If not, you risk people using it inappropriately, which can leave you responsible for footing an unexpected bill. ",[],{},{"_1967":1973,"_1969":6326,"_49":6327},{},[6328],{"_1967":1977,"_1978":6329,"_1980":6330,"_1969":6331},"Here are some things to consider when you create a corporate card policy.",[],{},{"_1967":2427,"_1969":6333,"_49":6334},{},[6335,6350,6365,6380,6395,6410],{"_1967":2431,"_1969":6336,"_49":6337},{},[6338],{"_1967":1973,"_1969":6339,"_49":6340},{},[6341,6346],{"_1967":1977,"_1978":6342,"_1980":6343,"_1969":6345},"Define who gets a card: ",[6344],{"_13":3095},{},{"_1967":1977,"_1978":6347,"_1980":6348,"_1969":6349},"Set clear criteria for which roles or employees can receive a corporate credit card",[],{},{"_1967":2431,"_1969":6351,"_49":6352},{},[6353],{"_1967":1973,"_1969":6354,"_49":6355},{},[6356,6361],{"_1967":1977,"_1978":6357,"_1980":6358,"_1969":6360},"Set spending limits: ",[6359],{"_13":3095},{},{"_1967":1977,"_1978":6362,"_1980":6363,"_1969":6364},"Decide on individual card limits based on job roles, departments and needs",[],{},{"_1967":2431,"_1969":6366,"_49":6367},{},[6368],{"_1967":1973,"_1969":6369,"_49":6370},{},[6371,6376],{"_1967":1977,"_1978":6372,"_1980":6373,"_1969":6375},"List approved expenses: ",[6374],{"_13":3095},{},{"_1967":1977,"_1978":6377,"_1980":6378,"_1969":6379},"Clearly outline what employees can and can’t use the card for",[],{},{"_1967":2431,"_1969":6381,"_49":6382},{},[6383],{"_1967":1973,"_1969":6384,"_49":6385},{},[6386,6391],{"_1967":1977,"_1978":6387,"_1980":6388,"_1969":6390},"Explain how to report and track spending: ",[6389],{"_13":3095},{},{"_1967":1977,"_1978":6392,"_1980":6393,"_1969":6394},"Include instructions on submitting receipts, logging business expenses and meeting deadlines",[],{},{"_1967":2431,"_1969":6396,"_49":6397},{},[6398],{"_1967":1973,"_1969":6399,"_49":6400},{},[6401,6406],{"_1967":1977,"_1978":6402,"_1980":6403,"_1969":6405},"Outline misuse consequences: ",[6404],{"_13":3095},{},{"_1967":1977,"_1978":6407,"_1980":6408,"_1969":6409},"Specify the actions that will be taken if the card is misused, including potential disciplinary measures and the requirement to repay any unauthorised expenses",[],{},{"_1967":2431,"_1969":6411,"_49":6412},{},[6413],{"_1967":1973,"_1969":6414,"_49":6415},{},[6416,6421],{"_1967":1977,"_1978":6417,"_1980":6418,"_1969":6420},"Review and update regularly: ",[6419],{"_13":3095},{},{"_1967":1977,"_1978":6422,"_1980":6423,"_1969":6424},"Revisit the policy as the business grows or spending needs change",[],{},{"_1967":1973,"_1969":6426,"_49":6427},{},[6428],{"_1967":1977,"_1978":6429,"_1980":6430,"_1969":6431},"Make sure the language used in the policy is clear and direct, and that every cardholder reads and agrees to it before using their card.",[],{},{"_1967":2350,"_1969":6433,"_49":6434},{},[6435],{"_1967":1977,"_1978":6436,"_1980":6437,"_1969":6438},"Is a corporate credit card right for my business? ",[],{},{"_1967":1973,"_1969":6440,"_49":6441},{},[6442,6446,6453,6457,6465],{"_1967":1977,"_1978":6443,"_1980":6444,"_1969":6445},"A corporate credit card can streamline spending, ",[],{},{"_1967":2309,"_1969":6447,"_49":6448},{"_2300":6134},[6449],{"_1967":1977,"_1978":6450,"_1980":6451,"_1969":6452},"track expenses",[],{},{"_1967":1977,"_1978":6454,"_1980":6455,"_1969":6456},", and help control costs, but it’s not the right fit for every business. Before applying, consider your business's size, ",[],{},{"_1967":2309,"_1969":6458,"_49":6460},{"_2300":6459},"/business/guides/types-of-business",[6461],{"_1967":1977,"_1978":6462,"_1980":6463,"_1969":6464},"structure",[],{},{"_1967":1977,"_1978":6466,"_1980":6467,"_1969":6468},", and spending patterns.",[],{},{"_1967":1973,"_1969":6470,"_49":6471},{},[6472],{"_1967":1977,"_1978":6473,"_1980":6474,"_1969":6475},"If you frequently manage expenses for multiple employees and need more efficient administration, a corporate card could be a great solution. ",[],{},{"_1967":1973,"_1969":6477,"_49":6478},{},[6479,6483,6490],{"_1967":1977,"_1978":6480,"_1980":6481,"_1969":6482},"However, for smaller businesses or sole traders, the requirements may mean it's not an option. 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Road-test your plan",[],{},{"_1967":1973,"_1969":8903,"_49":8904},{},[8905,8909,8918,8922,8931],{"_1967":1977,"_1978":8906,"_1980":8907,"_1969":8908},"Speak to your friends and family to see what they think about your idea. ",[],{},{"_1967":2309,"_1969":8910,"_49":8912},{"_2300":8911},"/business/guides/what-is-market-research",[8913],{"_1967":1977,"_1978":8914,"_1980":8915,"_1969":8917},"Consider market research",[8916],{"_13":2307},{},{"_1967":1977,"_1978":8919,"_1980":8920,"_1969":8921}," to get feedback from potential customers or buyers. Make sure you ",[],{},{"_1967":2309,"_1969":8923,"_49":8925},{"_2300":8924},"/business/guides/how-to-define-target-market",[8926],{"_1967":1977,"_1978":8927,"_1980":8928,"_1969":8930},"completely understand your target market",[8929],{"_13":2307},{},{"_1967":1977,"_1978":8932,"_1980":8933,"_1969":8934}," and audience. Consider their disposable income and determine whether you can charge enough to cover your time and make a profit.",[],{},{"_1967":2034,"_1969":8936,"_49":8937},{},[8938],{"_1967":1977,"_1978":8939,"_1980":8940,"_1969":8941},"3. Check out the competition",[],{},{"_1967":1973,"_1969":8943,"_49":8944},{},[8945],{"_1967":1977,"_1978":8946,"_1980":8947,"_1969":8948},"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. ",[],{},{"_1967":1973,"_1969":8950,"_49":8951},{},[8952],{"_1967":1977,"_1978":8953,"_1980":8954,"_1969":8955},"You might be able to achieve this with cheaper pricing, improvements in quality, better customer service or a new twist or innovation.",[],{},{"_1967":2034,"_1969":8957,"_49":8958},{},[8959],{"_1967":1977,"_1978":8960,"_1980":8961,"_1969":8962},"4. Work out how to market your business",[],{},{"_1967":1973,"_1969":8964,"_49":8965},{},[8966],{"_1967":1977,"_1978":8967,"_1980":8968,"_1969":8969},"Once you launch, you need a steady stream of customers or clients to make the company successful. ",[],{},{"_1967":1973,"_1969":8971,"_49":8972},{},[8973],{"_1967":1977,"_1978":8974,"_1980":8975,"_1969":8976},"Think carefully about how you’ll attract new business. You could rely on word of mouth, social media, marketing or traditional advertising. All these approaches require resources though - whether in terms of time, money, or both.",[],{},{"_1967":2034,"_1969":8978,"_49":8979},{},[8980],{"_1967":1977,"_1978":8981,"_1980":8982,"_1969":8983},"5. Think about the future of the industry",[],{},{"_1967":1973,"_1969":8985,"_49":8986},{},[8987],{"_1967":1977,"_1978":8988,"_1980":8989,"_1969":8990},"Research market trends and think about the future of your industry. For example, is there a chance that AI will replace your skills, or are people turning away from your product because it's not environmentally friendly? ",[],{},{"_1967":1973,"_1969":8992,"_49":8993},{},[8994],{"_1967":1977,"_1978":8995,"_1980":8996,"_1969":8997},"You need to ensure that your business idea is as future-proof as possible. Thinking about the future may reveal new opportunities or ways to make your business more attractive.",[],{},{"_1967":2034,"_1969":8999,"_49":9000},{},[9001],{"_1967":1977,"_1978":9002,"_1980":9003,"_1969":9004},"6. Create a business plan",[],{},{"_1967":1973,"_1969":9006,"_49":9007},{},[9008,9012,9021],{"_1967":1977,"_1978":9009,"_1980":9010,"_1969":9011},"Use all this research to ",[],{},{"_1967":2309,"_1969":9013,"_49":9015},{"_2300":9014},"/business/guides/how-to-write-a-business-plan",[9016],{"_1967":1977,"_1978":9017,"_1980":9018,"_1969":9020},"create a proper business plan",[9019],{"_13":2307},{},{"_1967":1977,"_1978":9022,"_1980":9023,"_1969":9024},": 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.",[],{},{"_1967":1973,"_1969":9026,"_49":9027},{},[9028,9032,9041],{"_1967":1977,"_1978":9029,"_1980":9030,"_1969":9031},"All business plans need to contain ",[],{},{"_1967":2309,"_1969":9033,"_49":9035},{"_2300":9034},"/business/guides/key-business-plan-sections",[9036],{"_1967":1977,"_1978":9037,"_1980":9038,"_1969":9040},"several key sections",[9039],{"_13":2307},{},{"_1967":1977,"_1978":9042,"_1980":9043,"_1969":9044},", including: ",[],{},{"_1967":2427,"_1969":9046,"_49":9047},{},[9048,9082,9097,9112,9127,9142,9157,9172,9187,9202],{"_1967":2431,"_1969":9049,"_49":9050},{},[9051],{"_1967":1973,"_1969":9052,"_49":9053},{},[9054,9059,9064,9074,9078],{"_1967":1977,"_1978":9055,"_1980":9056,"_1969":9058},"A",[9057],{"_13":3095},{},{"_1967":1977,"_1978":9060,"_1980":9061,"_1969":9063},"n ",[9062],{"_13":3095},{},{"_1967":2309,"_1969":9065,"_49":9067},{"_2300":9066},"/business/guides/business-plan-executive-summary",[9068],{"_1967":1977,"_1978":9069,"_1980":9070,"_1969":9073},"executive summary",[9071,9072],{"_13":2307},{"_13":3095},{},{"_1967":1977,"_1978":3152,"_1980":9075,"_1969":9077},[9076],{"_13":3095},{},{"_1967":1977,"_1978":9079,"_1980":9080,"_1969":9081},"- think of this as your elevator pitch",[],{},{"_1967":2431,"_1969":9083,"_49":9084},{},[9085],{"_1967":1973,"_1969":9086,"_49":9087},{},[9088,9093],{"_1967":1977,"_1978":9089,"_1980":9090,"_1969":9092},"Company information",[9091],{"_13":3095},{},{"_1967":1977,"_1978":9094,"_1980":9095,"_1969":9096}," - what's your business? How is it structured?",[],{},{"_1967":2431,"_1969":9098,"_49":9099},{},[9100],{"_1967":1973,"_1969":9101,"_49":9102},{},[9103,9108],{"_1967":1977,"_1978":9104,"_1980":9105,"_1969":9107},"Owner information",[9106],{"_13":3095},{},{"_1967":1977,"_1978":9109,"_1980":9110,"_1969":9111}," - information about you, your partners and anyone else that makes up the ownership of the business ",[],{},{"_1967":2431,"_1969":9113,"_49":9114},{},[9115],{"_1967":1973,"_1969":9116,"_49":9117},{},[9118,9123],{"_1967":1977,"_1978":9119,"_1980":9120,"_1969":9122},"Market research",[9121],{"_13":3095},{},{"_1967":1977,"_1978":9124,"_1980":9125,"_1969":9126}," - who are your customers, what do they need and what does the wider market look like?",[],{},{"_1967":2431,"_1969":9128,"_49":9129},{},[9130],{"_1967":1973,"_1969":9131,"_49":9132},{},[9133,9138],{"_1967":1977,"_1978":9134,"_1980":9135,"_1969":9137},"Marketing strategies",[9136],{"_13":3095},{},{"_1967":1977,"_1978":9139,"_1980":9140,"_1969":9141}," - how will you promote your business and attract customers?",[],{},{"_1967":2431,"_1969":9143,"_49":9144},{},[9145],{"_1967":1973,"_1969":9146,"_49":9147},{},[9148,9153],{"_1967":1977,"_1978":9149,"_1980":9150,"_1969":9152},"Competitor analysis",[9151],{"_13":3095},{},{"_1967":1977,"_1978":9154,"_1980":9155,"_1969":9156}," - who else serves your market and how will your business stand out?",[],{},{"_1967":2431,"_1969":9158,"_49":9159},{},[9160],{"_1967":1973,"_1969":9161,"_49":9162},{},[9163,9168],{"_1967":1977,"_1978":9164,"_1980":9165,"_1969":9167},"Product and service design",[9166],{"_13":3095},{},{"_1967":1977,"_1978":9169,"_1980":9170,"_1969":9171}," - what will you sell, how will it work and why will customers value it?",[],{},{"_1967":2431,"_1969":9173,"_49":9174},{},[9175],{"_1967":1973,"_1969":9176,"_49":9177},{},[9178,9183],{"_1967":1977,"_1978":9179,"_1980":9180,"_1969":9182},"Development plans",[9181],{"_13":3095},{},{"_1967":1977,"_1978":9184,"_1980":9185,"_1969":9186}," - how do you plan to launch and grow the business over time?",[],{},{"_1967":2431,"_1969":9188,"_49":9189},{},[9190],{"_1967":1973,"_1969":9191,"_49":9192},{},[9193,9198],{"_1967":1977,"_1978":9194,"_1980":9195,"_1969":9197},"Operations and logistics plans",[9196],{"_13":3095},{},{"_1967":1977,"_1978":9199,"_1980":9200,"_1969":9201}," - how will the business run day to day - from suppliers and stock to delivery and customer service?",[],{},{"_1967":2431,"_1969":9203,"_49":9204},{},[9205],{"_1967":1973,"_1969":9206,"_49":9207},{},[9208,9212,9222,9226],{"_1967":1977,"_1978":9,"_1980":9209,"_1969":9211},[9210],{"_13":3095},{},{"_1967":2309,"_1969":9213,"_49":9215},{"_2300":9214},"/business/guides/business-plan-financial-projections",[9216],{"_1967":1977,"_1978":9217,"_1980":9218,"_1969":9221},"Financial information",[9219,9220],{"_13":2307},{"_13":3095},{},{"_1967":1977,"_1978":3152,"_1980":9223,"_1969":9225},[9224],{"_13":3095},{},{"_1967":1977,"_1978":9227,"_1980":9228,"_1969":9229},"- including start up costs and pricing, to day-to-day operations",[],{},{"_1967":1973,"_1969":9231,"_49":9232},{},[9233,9237,9246],{"_1967":1977,"_1978":9234,"_1980":9235,"_1969":9236},"The Prince's Trust has a helpful ",[],{},{"_1967":2309,"_1969":9238,"_49":9240},{"_2300":9239},"https://www.princes-trust.org.uk/how-we-can-help/tools-resources/business-tools/business-plans",[9241],{"_1967":1977,"_1978":9242,"_1980":9243,"_1969":9245},"template",[9244],{"_13":2307},{},{"_1967":1977,"_1978":9247,"_1980":9248,"_1969":9249}," to get you started.",[],{},{"_1967":2350,"_1969":9251,"_49":9252},{},[9253],{"_1967":1977,"_1978":9254,"_1980":9255,"_1969":9256},"How to name your business",[],{},{"_1967":1973,"_1969":9258,"_49":9259},{},[9260],{"_1967":1977,"_1978":9261,"_1980":9262,"_1969":9263},"Now you have a plan, it's time to get creative. ",[],{},{"_1967":1973,"_1969":9265,"_49":9266},{},[9267],{"_1967":1977,"_1978":9268,"_1980":9269,"_1969":9270},"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.",[],{},{"_1967":1973,"_1969":9272,"_49":9273},{},[9274],{"_1967":1977,"_1978":9275,"_1980":9276,"_1969":9277},"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. ",[],{},{"_1967":1973,"_1969":9279,"_49":9280},{},[9281,9285,9294],{"_1967":1977,"_1978":9282,"_1980":9283,"_1969":9284},"Trademarking will prevent other businesses from stealing your intellectual property, including slogans, brand names, logos, etc. To find out more, read our ",[],{},{"_1967":2309,"_1969":9286,"_49":9288},{"_2300":9287},"/business/guides/how-to-register-a-trademark",[9289],{"_1967":1977,"_1978":9290,"_1980":9291,"_1969":9293},"guide to trademarking",[9292],{"_13":2307},{},{"_1967":1977,"_1978":2651,"_1980":9295,"_1969":9296},[],{},{"_1967":6196,"_1969":9298,"_49":9299},{},[9300],{"_1967":1973,"_1969":9301,"_49":9302},{},[9303,9308,9316],{"_1967":1977,"_1978":9304,"_1980":9305,"_1969":9307},"Case study: ",[9306],{"_13":3095},{},{"_1967":2309,"_1969":9309,"_49":9311},{"_2300":9310},"/business/case-studies/hay-events",[9312],{"_1967":1977,"_1978":9313,"_1980":9314,"_1969":9315},"Meet Tinique: the events expert who turned a ‘lightbulb moment’ into a successful business",[],{},{"_1967":1977,"_1978":9,"_1980":9317,"_1969":9318},[],{},{"_1967":2350,"_1969":9320,"_49":9321},{},[9322],{"_1967":1977,"_1978":9323,"_1980":9324,"_1969":9325},"How to register a business",[],{},{"_1967":1973,"_1969":9327,"_49":9328},{},[9329],{"_1967":1977,"_1978":9330,"_1980":9331,"_1969":9332},"Once you've decided which type of company to set up and you have a name, you'll need to register it. ",[],{},{"_1967":1973,"_1969":9334,"_49":9335},{},[9336],{"_1967":1977,"_1978":9337,"_1980":9338,"_1969":9339},"The process differs depending on the type of company structure you choose. There are three main options: ",[],{},{"_1967":2427,"_1969":9341,"_49":9342},{},[9343,9357,9367],{"_1967":2431,"_1969":9344,"_49":9345},{},[9346],{"_1967":1973,"_1969":9347,"_49":9348},{},[9349,9353],{"_1967":1977,"_1978":9350,"_1980":9351,"_1969":9352},"S",[],{},{"_1967":1977,"_1978":9354,"_1980":9355,"_1969":9356},"ole trader",[],{},{"_1967":2431,"_1969":9358,"_49":9359},{},[9360],{"_1967":1973,"_1969":9361,"_49":9362},{},[9363],{"_1967":1977,"_1978":9364,"_1980":9365,"_1969":9366},"Limited company",[],{},{"_1967":2431,"_1969":9368,"_49":9369},{},[9370],{"_1967":1973,"_1969":9371,"_49":9372},{},[9373,9377],{"_1967":1977,"_1978":9374,"_1980":9375,"_1969":9376},"L",[],{},{"_1967":1977,"_1978":9378,"_1980":9379,"_1969":9380},"imited liability partnership. ",[],{},{"_1967":1973,"_1969":9382,"_49":9383},{},[9384,9388,9397],{"_1967":1977,"_1978":9385,"_1980":9386,"_1969":9387},"Read our ",[],{},{"_1967":2309,"_1969":9389,"_49":9391},{"_2300":9390},"/business/guides/sole-trader-vs-limited-company",[9392],{"_1967":1977,"_1978":9393,"_1980":9394,"_1969":9396},"Sole trader vs limited company guide",[9395],{"_13":2307},{},{"_1967":1977,"_1978":9398,"_1980":9399,"_1969":9400}," to find out which is right for you and the first steps to take to get started.",[],{},{"_1967":2350,"_1969":9402,"_49":9403},{},[9404],{"_1967":1977,"_1978":9405,"_1980":9406,"_1969":9407},"How much does it cost to start a business?",[],{},{"_1967":1973,"_1969":9409,"_49":9410},{},[9411,9414,9422],{"_1967":1977,"_1978":9,"_1980":9412,"_1969":9413},[],{},{"_1967":2309,"_1969":9415,"_49":9417},{"_2300":9416},"/business/guides/startup-costs",[9418],{"_1967":1977,"_1978":9419,"_1980":9420,"_1969":9421},"The cost of setting up a business",[],{},{"_1967":1977,"_1978":9423,"_1980":9424,"_1969":9425}," varies greatly depending on your industry, the type of business you want to start, and what you need to get started. ",[],{},{"_1967":1973,"_1969":9427,"_49":9428},{},[9429],{"_1967":1977,"_1978":9430,"_1980":9431,"_1969":9432},"Many businesses require nothing more than a computer and a wi-fi connection, such as freelance writing, bookkeeping or being an e-book novelist. ",[],{},{"_1967":1973,"_1969":9434,"_49":9435},{},[9436],{"_1967":1977,"_1978":9437,"_1980":9438,"_1969":9439},"Some jobs require some goods or materials to get started, such as wool for a knitting business or supplies for a cleaning business. ",[],{},{"_1967":1973,"_1969":9441,"_49":9442},{},[9443],{"_1967":1977,"_1978":9444,"_1980":9445,"_1969":9446},"Some enterprises have much larger overheads, such as offices, factories or heavy equipment.",[],{},{"_1967":1973,"_1969":9448,"_49":9449},{},[9450,9454,9461],{"_1967":1977,"_1978":9451,"_1980":9452,"_1969":9453},"Many entrepreneurs either self-fund their new business or ",[],{},{"_1967":2309,"_1969":9455,"_49":9456},{"_2300":286},[9457],{"_1967":1977,"_1978":9458,"_1980":9459,"_1969":9460},"seek investment",[],{},{"_1967":1977,"_1978":9462,"_1980":9463,"_1969":9464}," from friends and family. However, if additional start-up capital is required, numerous options are available. Most fall into three categories: ",[],{},{"_1967":2427,"_1969":9466,"_49":9467},{},[9468,9478,9488],{"_1967":2431,"_1969":9469,"_49":9470},{},[9471],{"_1967":1973,"_1969":9472,"_49":9473},{},[9474],{"_1967":1977,"_1978":9475,"_1980":9476,"_1969":9477},"Loans that require repayment",[],{},{"_1967":2431,"_1969":9479,"_49":9480},{},[9481],{"_1967":1973,"_1969":9482,"_49":9483},{},[9484],{"_1967":1977,"_1978":9485,"_1980":9486,"_1969":9487},"Grants that do not",[],{},{"_1967":2431,"_1969":9489,"_49":9490},{},[9491],{"_1967":1973,"_1969":9492,"_49":9493},{},[9494],{"_1967":1977,"_1978":9495,"_1980":9496,"_1969":9497},"Funding from investors in exchange for equity",[],{},{"_1967":1973,"_1969":9499,"_49":9500},{},[9501,9504,9513],{"_1967":1977,"_1978":9,"_1980":9502,"_1969":9503},[],{},{"_1967":2309,"_1969":9505,"_49":9507},{"_2300":9506},"/business/guides/how-to-get-funding-for-a-business",[9508],{"_1967":1977,"_1978":9509,"_1980":9510,"_1969":9512},"Read our in-depth guide to business funding options to learn more",[9511],{"_13":2307},{},{"_1967":1977,"_1978":9,"_1980":9514,"_1969":9515},[],{},{"_1967":2350,"_1969":9517,"_49":9518},{},[9519],{"_1967":1977,"_1978":9520,"_1980":9521,"_1969":9522},"Tax",[],{},{"_1967":1973,"_1969":9524,"_49":9525},{},[9526],{"_1967":1977,"_1978":9527,"_1980":9528,"_1969":9529},"Taxes and finances are a huge part of running your own business. Self-employed individuals must complete a personal tax return each year. ",[],{},{"_1967":1973,"_1969":9531,"_49":9532},{},[9533,9537,9545],{"_1967":1977,"_1978":9534,"_1980":9535,"_1969":9536},"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, ",[],{},{"_1967":2309,"_1969":9538,"_49":9540},{"_2300":9539},"/business/guides/vat-explained",[9541],{"_1967":1977,"_1978":9542,"_1980":9543,"_1969":9544},"VAT registration",[],{},{"_1967":1977,"_1978":9546,"_1980":9547,"_1969":9548},", corporation tax, workplace pensions and more.",[],{},{"_1967":1973,"_1969":9550,"_49":9551},{},[9552,9556,9564],{"_1967":1977,"_1978":9553,"_1980":9554,"_1969":9555},"You should also keep comprehensive records, including all your sales and expenses receipts. Hiring an accountant will cost money, but they can help you ",[],{},{"_1967":2309,"_1969":9557,"_49":9559},{"_2300":9558},"/business/guides/small-business-tax-relief",[9560],{"_1967":1977,"_1978":9561,"_1980":9562,"_1969":9563},"navigate all your responsibilities",[],{},{"_1967":1977,"_1978":9565,"_1980":9566,"_1969":9567}," and ensure that you comply with UK legislation. ",[],{},{"_1967":1973,"_1969":9569,"_49":9570},{},[9571,9575,9583],{"_1967":1977,"_1978":9572,"_1980":9573,"_1969":9574},"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 ",[],{},{"_1967":2309,"_1969":9576,"_49":9578},{"_2300":9577},"/business/making-tax-digital",[9579],{"_1967":1977,"_1978":9580,"_1980":9581,"_1969":9582},"here",[],{},{"_1967":1977,"_1978":9584,"_1980":9585,"_1969":9586},". 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business loans - FAQ 10","Can I use a business loan for any business purpose?",{"_1969":10666,"_49":10667,"_1967":1968},{},[10668,10675,10693],{"_1969":10669,"_49":10670,"_1967":1973},{},[10671],{"_1969":10672,"_1980":10673,"_1978":10674,"_1967":1977},{},[],"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. ",{"_1969":10676,"_49":10677,"_1967":1973},{},[10678,10682,10689],{"_1969":10679,"_1980":10680,"_1978":10681,"_1967":1977},{},[],"For example, equipment financing must be used specifically to buy equipment, commercial mortgages are limited to purchasing or refinancing property, and ",{"_1969":10683,"_49":10684,"_1967":2309},{"_2300":8007},[10685],{"_1969":10686,"_1980":10687,"_1978":10688,"_1967":1977},{},[],"invoice financing",{"_1969":10690,"_1980":10691,"_1978":10692,"_1967":1977},{},[]," 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. ",{"_1969":10694,"_49":10695,"_1967":1973},{},[10696],{"_1969":10697,"_1980":10698,"_1978":10699,"_1967":1977},{},[],"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":10701,"_1799":10704,"_1833":10714},{"_1795":10702,"_1797":10703},[],[],{"_1801":10705,"_13":1809,"_1807":5189,"_1811":10707,"_1816":3248,"_1818":10709,"_1820":10710,"_1822":10710,"_1823":10711,"_1825":3927,"_1779":10712,"_1831":1832},{"_1799":10706},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10708},{"_13":1804,"_1805":1814,"_1807":2000},"2025-02-11T13:22:52.451Z","2026-04-29T09:42:14.783Z","2025-02-11T18:10:21.064Z",{"_1799":10713},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5187,"_1836":1837,"_2010":2011,"_2160":10715,"_49":10731},{"_1969":10716,"_49":10717,"_1967":1968},{},[10718,10725],{"_1969":10719,"_49":10720,"_1967":2350},{},[10721],{"_1969":10722,"_1980":10723,"_1978":10724,"_1967":1977},{},[],"What do you need to open a business bank account?",{"_1969":10726,"_49":10727,"_1967":1973},{},[10728],{"_1969":10729,"_1980":10730,"_1978":9,"_1967":1977},{},[],{"_1967":1968,"_1969":10732,"_49":10733},{},[10734,10741,10803],{"_1967":1973,"_1969":10735,"_49":10736},{},[10737],{"_1967":1977,"_1978":10738,"_1980":10739,"_1969":10740},"Most providers will ask for the following before your account can be opened:",[],{},{"_1967":2427,"_1969":10742,"_49":10743},{},[10744,10759,10774,10789],{"_1967":2431,"_1969":10745,"_49":10746},{},[10747],{"_1967":1973,"_1969":10748,"_49":10749},{},[10750,10755],{"_1967":1977,"_1978":10751,"_1980":10752,"_1969":10754},"Proof of identity",[10753],{"_13":3095},{},{"_1967":1977,"_1978":10756,"_1980":10757,"_1969":10758}," - a valid passport, driving licence, or national ID card",[],{},{"_1967":2431,"_1969":10760,"_49":10761},{},[10762],{"_1967":1973,"_1969":10763,"_49":10764},{},[10765,10770],{"_1967":1977,"_1978":10766,"_1980":10767,"_1969":10769},"Proof of address",[10768],{"_13":3095},{},{"_1967":1977,"_1978":10771,"_1980":10772,"_1969":10773}," - a utility bill, mortgage statement, or council tax bill dated within the last three months",[],{},{"_1967":2431,"_1969":10775,"_49":10776},{},[10777],{"_1967":1973,"_1969":10778,"_49":10779},{},[10780,10785],{"_1967":1977,"_1978":10781,"_1980":10782,"_1969":10784},"Business documentation",[10783],{"_13":3095},{},{"_1967":1977,"_1978":10786,"_1980":10787,"_1969":10788}," - a registration certificate and articles of association for limited companies; a partnership agreement if applicable",[],{},{"_1967":2431,"_1969":10790,"_49":10791},{},[10792],{"_1967":1973,"_1969":10793,"_49":10794},{},[10795,10799],{"_1967":1977,"_1978":9217,"_1980":10796,"_1969":10798},[10797],{"_13":3095},{},{"_1967":1977,"_1978":10800,"_1980":10801,"_1969":10802}," - details of personal and business income, assets, and liabilities",[],{},{"_1967":1973,"_1969":10804,"_49":10805},{},[10806],{"_1967":1977,"_1978":10807,"_1980":10808,"_1969":10809},"Most providers let you apply online in minutes, though approval times vary; anywhere from instant to a few days depending on the provider.",[],{},{"_1793":10811,"_1799":10814,"_1833":10824},{"_1795":10812,"_1797":10813},[],[],{"_1801":10815,"_13":1809,"_1807":1861,"_1811":10817,"_1816":2129,"_1818":10819,"_1820":10820,"_1822":10820,"_1823":10821,"_1825":4057,"_1779":10822,"_1831":1832},{"_1799":10816},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10818},{"_13":1804,"_1805":1814,"_1807":6821},"2023-11-02T15:38:56.139Z","2025-12-02T09:45:08.783Z","2023-11-02T16:14:43.099Z",{"_1799":10823},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10825,"_1836":1837,"_6830":10826,"_1815":10827,"_6832":10828,"_6834":10829,"_6838":10832},"Kyle Eaton","Contributing writer","/authors/kyle-eaton","https://www.linkedin.com/in/kyle-eaton-a24b32119",{"_1799":10830},{"_13":1804,"_1805":2073,"_1807":10831},"7kDDkLUSydi6zXVfy24vL7",{"_1969":10833,"_49":10834,"_1967":1968},{},[10835],{"_1969":10836,"_49":10837,"_1967":1973},{},[10838],{"_1969":10839,"_1980":10840,"_1978":10841,"_1967":1977},{},[],"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":10843,"_1799":10846,"_1833":10856},{"_1795":10844,"_1797":10845},[],[],{"_1801":10847,"_13":1809,"_1807":10260,"_1811":10849,"_1816":2005,"_1818":10851,"_1820":10852,"_1822":10852,"_1823":10853,"_1825":6587,"_1779":10854,"_1831":1832},{"_1799":10848},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10850},{"_13":1804,"_1805":1814,"_1807":2380},"2025-07-17T14:35:22.912Z","2026-05-16T13:18:03.986Z","2025-07-17T14:39:18.747Z",{"_1799":10855},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10857,"_1836":1837,"_2010":10858,"_2391":10859,"_2586":1786},"government-backed Start Up Loans","stat-snippet",{"_1943":10860,"_10861":10862,"_10864":10865},"Number of government-backed Start Up Loans have been delivered since 2012","stat",{"_10861":10863},"125,000","superscriptTag",{"_10866":10867,"_28":4498},"word","[1]",{"_1793":10869,"_1799":10872,"_1833":10882},{"_1795":10870,"_1797":10871},[],[],{"_1801":10873,"_13":1809,"_1807":2263,"_1811":10875,"_1816":2282,"_1818":10877,"_1820":10878,"_1822":10878,"_1823":10879,"_1825":1956,"_1779":10880,"_1831":1832},{"_1799":10874},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10876},{"_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":10881},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4142,"_1836":1837},{"_1793":10884,"_1799":10887,"_1833":10897},{"_1795":10885,"_1797":10886},[],[],{"_1801":10888,"_13":1809,"_1807":3948,"_1811":10890,"_1816":3732,"_1818":10892,"_1820":10893,"_1822":10893,"_1823":10894,"_1825":4156,"_1779":10895,"_1831":1832},{"_1799":10889},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10891},{"_13":1804,"_1805":1814,"_1807":1955},"2025-04-10T09:54:53.959Z","2026-06-01T18:37:49.521Z","2025-04-17T12:53:00.281Z",{"_1799":10896},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10898,"_1943":10899,"_49":10900,"_1836":1837},"Submit your application","5. Submit your application",{"_1969":10901,"_49":10902,"_1967":1968},{},[10903,10910],{"_1969":10904,"_49":10905,"_1967":1973},{},[10906],{"_1969":10907,"_1980":10908,"_1978":10909,"_1967":1977},{},[],"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. ",{"_1969":10911,"_49":10912,"_1967":1973},{},[10913],{"_1969":10914,"_1980":10915,"_1978":10916,"_1967":1977},{},[],"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":10918,"_1799":10921,"_1833":10931},{"_1795":10919,"_1797":10920},[],[],{"_1801":10922,"_13":1809,"_1807":10030,"_1811":10924,"_1816":1936,"_1818":10926,"_1820":10927,"_1822":10927,"_1823":10928,"_1825":5127,"_1779":10929,"_1831":1832},{"_1799":10923},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10925},{"_13":1804,"_1805":1814,"_1807":2380},"2026-03-24T12:08:34.302Z","2026-04-29T09:42:13.922Z","2026-03-24T13:58:31.613Z",{"_1799":10930},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10932,"_1836":1837,"_2010":8112,"_2391":10933,"_2586":1786,"_49":10940},"Business bank account forced journey call out card",{"_6926":10934,"_8117":8118,"_147":10936,"_2160":10939,"_2010":9,"_8123":8124},{"_1977":10935,"_8116":59,"_2010":6809},"💷 See how much you could save",{"_34":10937,"_1977":10938},"https://www.money.co.uk/business/bank-accounts/results","See bank accounts","An easier way to open a business bank account",{"_1969":10941,"_49":10942,"_1967":1968},{},[10943,10976],{"_1969":10944,"_49":10945,"_1967":2427},{},[10946,10956,10966],{"_1969":10947,"_49":10948,"_1967":2431},{},[10949],{"_1969":10950,"_49":10951,"_1967":1973},{},[10952],{"_1969":10953,"_1980":10954,"_1978":10955,"_1967":1977},{},[],"Compare accounts from leading UK providers.",{"_1969":10957,"_49":10958,"_1967":2431},{},[10959],{"_1969":10960,"_49":10961,"_1967":1973},{},[10962],{"_1969":10963,"_1980":10964,"_1978":10965,"_1967":1977},{},[],"Find the right fit for your business, free of charge.",{"_1969":10967,"_49":10968,"_1967":2431},{},[10969],{"_1969":10970,"_49":10971,"_1967":1973},{},[10972],{"_1969":10973,"_1980":10974,"_1978":10975,"_1967":1977},{},[],"Open an account in as little as one working day.",{"_1969":10977,"_49":10978,"_1967":1973},{},[10979],{"_1969":10980,"_1980":10981,"_1978":9,"_1967":1977},{},[],{"_1793":10983,"_1799":10986,"_1833":10995},{"_1795":10984,"_1797":10985},[],[],{"_1801":10987,"_13":1809,"_1807":5876,"_1811":10989,"_1816":1933,"_1818":10991,"_1820":10992,"_1822":10992,"_1823":10992,"_1825":1936,"_1779":10993,"_1831":1832},{"_1799":10988},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10990},{"_13":1804,"_1805":1814,"_1807":7092},"2025-09-04T10:33:55.143Z","2025-09-04T10:34:16.850Z",{"_1799":10994},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10996,"_6834":10997,"_7106":11000,"_1836":1837},"Corporate credit card definition card",{"_1799":10998},{"_13":1804,"_1805":2073,"_1807":10999},"3UIxWWLvshkDy7Cz4cNgAU","Graphic","6IRbpr7dAXPP2fYDDKxpel",{"_1793":11003,"_1799":11006,"_1833":11016},{"_1795":11004,"_1797":11005},[],[],{"_1801":11007,"_13":1809,"_1807":11001,"_1811":11009,"_1816":2104,"_1818":11011,"_1820":11012,"_1822":11012,"_1823":11013,"_1825":1817,"_1779":11014,"_1831":1832},{"_1799":11008},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11010},{"_13":1804,"_1805":1814,"_1807":1955},"2025-04-24T09:15:57.667Z","2025-04-24T09:17:51.998Z","2025-04-24T09:17:41.240Z",{"_1799":11015},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11017,"_1943":11018,"_49":11019,"_1836":1837},"Business - Guides - What is a corporate credit card? - What happens if an employee misuses the card?","What happens if an employee misuses the card?",{"_1967":1968,"_1969":11020,"_49":11021},{},[11022],{"_1967":1973,"_1969":11023,"_49":11024},{},[11025],{"_1967":1977,"_1978":11026,"_1980":11027,"_1969":11028},"You can take disciplinary action, revoke the card or seek reimbursement. You may also require the employee to repay any charges incurred. Misuse can lead to further consequences, including employment termination or legal action, depending on the severity of the misuse and business policy. Remember to create a clear usage policy to protect your business and set expectations for your employees. ",[],{},{"_1793":11030,"_1799":11033,"_1833":11043},{"_1795":11031,"_1797":11032},[],[],{"_1801":11034,"_13":1809,"_1807":3838,"_1811":11036,"_1816":2331,"_1818":11038,"_1820":11039,"_1822":11039,"_1823":11040,"_1825":3248,"_1779":11041,"_1831":1832},{"_1799":11035},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11037},{"_13":1804,"_1805":1814,"_1807":2380},"2025-11-27T16:11:28.094Z","2026-06-01T18:37:49.551Z","2025-11-27T16:55:08.060Z",{"_1799":11042},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11044,"_1836":1837,"_2010":11045,"_2391":11046,"_2586":1786,"_2850":11055},"Platinum - Business credit cards - CTA 2","credit-card-finder-module-low-prominence",{"_1943":11047,"_11048":11049,"_11050":11051,"_1815":11052,"_11053":11054},"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":11056},{"_13":1804,"_1805":1809,"_1807":4388},{"_1793":11058,"_1799":11063,"_1833":11073},{"_1795":11059,"_1797":11062},[11060],{"_1799":11061},{"_13":1804,"_1805":1924,"_1807":1925},[],{"_1801":11064,"_13":1809,"_1807":3863,"_1811":11066,"_1816":7461,"_1818":11068,"_1820":11069,"_1822":11069,"_1823":11070,"_1825":3683,"_1779":11071,"_1831":1832},{"_1799":11065},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11067},{"_13":1804,"_1805":1814,"_1807":2380},"2023-06-12T11:46:36.324Z","2026-06-01T18:37:50.132Z","2023-06-13T11:12:47.181Z",{"_1799":11072},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10441,"_1836":1837,"_2010":3599,"_2391":11074,"_2586":59},{"_1943":11075,"_2582":11076,"_3603":11077,"_3605":11078,"_3607":11079,"_3615":11082},"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",{"_3609":11080,"_3463":11081,"_1943":11081,"_3613":6744},"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?",[11083,11088],{"_3609":11084,"_3463":11085,"_1943":11085,"_3613":11086,"_3622":11087},"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.",{"_3609":11089,"_3463":11090,"_1943":11090,"_3613":11091,"_3622":11092},"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","https://www.money.co.uk/business/business-credit-cards/how-to-use-a-business-credit-card-to-collect-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":11094,"_1799":11097,"_1833":11108},{"_1795":11095,"_1797":11096},[],[],{"_1801":11098,"_13":1809,"_1807":3826,"_1811":11100,"_1816":1936,"_1818":11102,"_1820":11103,"_1822":11103,"_1823":11104,"_1825":11105,"_1779":11106,"_1831":1832},{"_1799":11099},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11101},{"_13":1804,"_1805":1814,"_1807":2000},"2026-05-20T16:15:12.272Z","2026-06-01T18:37:49.399Z","2026-05-27T17:46:23.141Z",213,{"_1799":11107},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10426,"_1836":1837,"_2010":2011,"_2160":11109,"_49":11124},{"_1969":11110,"_49":11111,"_1967":1968},{},[11112,11118],{"_1969":11113,"_49":11114,"_1967":2350},{},[11115],{"_1969":11116,"_1980":11117,"_1978":10426,"_1967":1977},{},[],{"_1969":11119,"_49":11120,"_1967":1973},{},[11121],{"_1969":11122,"_1980":11123,"_1978":9,"_1967":1977},{},[],{"_1967":1968,"_1969":11125,"_49":11126},{},[11127,11141,11148,11162,11169,11183,11194,11208,11215,11229,11236],{"_1967":2427,"_1969":11128,"_49":11129},{},[11130],{"_1967":2431,"_1969":11131,"_49":11132},{},[11133],{"_1967":1973,"_1969":11134,"_49":11135},{},[11136],{"_1967":1977,"_1978":11137,"_1980":11138,"_1969":11140},"APR (Annual Percentage Rate)",[11139],{"_13":3095},{},{"_1967":1973,"_1969":11142,"_49":11143},{},[11144],{"_1967":1977,"_1978":11145,"_1980":11146,"_1969":11147},"APR is the total cost of borrowing over a year, including interest and any standard fees. Many providers typically offer 15%-35% (variable), and understanding this rate can help you compare the true cost of different card options.",[],{},{"_1967":2427,"_1969":11149,"_49":11150},{},[11151],{"_1967":2431,"_1969":11152,"_49":11153},{},[11154],{"_1967":1973,"_1969":11155,"_49":11156},{},[11157],{"_1967":1977,"_1978":11158,"_1980":11159,"_1969":11161},"Rewards and perks",[11160],{"_13":3095},{},{"_1967":1973,"_1969":11163,"_49":11164},{},[11165],{"_1967":1977,"_1978":11166,"_1980":11167,"_1969":11168},"If you regularly make business purchases, a rewards card can help you earn back a percentage of your spending with cashback, travel points, or other perks.",[],{},{"_1967":2427,"_1969":11170,"_49":11171},{},[11172],{"_1967":2431,"_1969":11173,"_49":11174},{},[11175],{"_1967":1973,"_1969":11176,"_49":11177},{},[11178],{"_1967":1977,"_1978":11179,"_1980":11180,"_1969":11182},"Credit limits",[11181],{"_13":3095},{},{"_1967":1973,"_1969":11184,"_49":11185},{},[11186,11190],{"_1967":1977,"_1978":11187,"_1980":11188,"_1969":11189},"A higher credit limit can be u",[],{},{"_1967":1977,"_1978":11191,"_1980":11192,"_1969":11193},"seful when making expensive purchases, as some range up to £250,000. Choose a card with a limit that aligns with your current spending to help avoid unnecessary debt or overspending.",[],{},{"_1967":2427,"_1969":11195,"_49":11196},{},[11197],{"_1967":2431,"_1969":11198,"_49":11199},{},[11200],{"_1967":1973,"_1969":11201,"_49":11202},{},[11203],{"_1967":1977,"_1978":11204,"_1980":11205,"_1969":11207},"Interest-free period",[11206],{"_13":3095},{},{"_1967":1973,"_1969":11209,"_49":11210},{},[11211],{"_1967":1977,"_1978":11212,"_1980":11213,"_1969":11214},"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 (typically 6-18 months), but check what the rate changes to once the promotion ends.",[],{},{"_1967":2427,"_1969":11216,"_49":11217},{},[11218],{"_1967":2431,"_1969":11219,"_49":11220},{},[11221],{"_1967":1973,"_1969":11222,"_49":11223},{},[11224],{"_1967":1977,"_1978":11225,"_1980":11226,"_1969":11228},"Extras",[11227],{"_13":3095},{},{"_1967":1973,"_1969":11230,"_49":11231},{},[11232],{"_1967":1977,"_1978":11233,"_1980":11234,"_1969":11235},"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.",[],{},{"_1967":1973,"_1969":11237,"_49":11238},{},[11239],{"_1967":1977,"_1978":11240,"_1980":11241,"_1969":11243},"APRs and offers are subject to change. 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",[],{},{"_1967":1973,"_1969":11687,"_49":11688},{},[11689],{"_1967":1977,"_1978":11690,"_1980":11691,"_1969":11692},"It can be a useful tool to: ",[],{},{"_1967":2427,"_1969":11694,"_49":11695},{},[11696,11706,11716],{"_1967":2431,"_1969":11697,"_49":11698},{},[11699],{"_1967":1973,"_1969":11700,"_49":11701},{},[11702],{"_1967":1977,"_1978":11703,"_1980":11704,"_1969":11705},"Manage your cash flow",[],{},{"_1967":2431,"_1969":11707,"_49":11708},{},[11709],{"_1967":1973,"_1969":11710,"_49":11711},{},[11712],{"_1967":1977,"_1978":11713,"_1980":11714,"_1969":11715},"Build your company’s credit profile",[],{},{"_1967":2431,"_1969":11717,"_49":11718},{},[11719],{"_1967":1973,"_1969":11720,"_49":11721},{},[11722],{"_1967":1977,"_1978":11723,"_1980":11724,"_1969":11725},"Track your business expenses",[],{},{"_1967":1973,"_1969":11727,"_49":11728},{},[11729,11733],{"_1967":1977,"_1978":11730,"_1980":11731,"_1969":11732},"It",[],{},{"_1967":1977,"_1978":11734,"_1980":11735,"_1969":11736}," works in the same way as a personal credit card, but is tied to your company, with perks often including rewards (e.g. cashback, travel points and insurance), and accounting software integration.",[],{},{"_1793":11738,"_1799":11741,"_1833":11751},{"_1795":11739,"_1797":11740},[],[],{"_1801":11742,"_13":1809,"_1807":7142,"_1811":11744,"_1816":1826,"_1818":11746,"_1820":11747,"_1822":11747,"_1823":11748,"_1825":7057,"_1779":11749,"_1831":1832},{"_1799":11743},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11745},{"_13":1804,"_1805":1814,"_1807":2380},"2023-06-06T15:27:21.984Z","2026-05-20T12:49:25.615Z","2023-06-14T14:05:10.141Z",{"_1799":11750},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11752,"_1836":1837,"_2010":5170,"_2391":11753,"_2586":1786},"Platinum - Business loans - sticky nav",{"_5172":11754},[11755,11756,11757,11760,11762,11765],{"_1815":4737,"_47":5176,"_1807":4720},{"_1815":11562,"_47":10429,"_1807":7158},{"_1815":11758,"_47":11759,"_1807":7185},"Business loans - why use money.co.uk","Why choose money.co.uk",{"_1815":10180,"_47":11761,"_1807":7161},"Government loans",{"_1815":11763,"_47":11764},"Platinum - Business Loans - Types of loans","Different types of loans",{"_1815":11766,"_47":5192,"_1807":7188},"Platinum - business loans - FAQs",{"_1793":11768,"_1799":11771,"_1833":11781},{"_1795":11769,"_1797":11770},[],[],{"_1801":11772,"_13":1809,"_1807":3936,"_1811":11774,"_1816":1936,"_1818":11776,"_1820":11777,"_1822":11777,"_1823":11778,"_1825":4156,"_1779":11779,"_1831":1832},{"_1799":11773},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11775},{"_13":1804,"_1805":1814,"_1807":1955},"2026-05-20T16:34:05.753Z","2026-06-01T18:37:49.449Z","2026-05-27T17:46:23.267Z",{"_1799":11780},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11782,"_1943":11783,"_49":11784,"_1836":1837},"Review your credit reports","1. 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Here are three factors to consider:",[],{},{"_1967":2427,"_1969":11951,"_49":11952},{},[11953,11968,11983],{"_1967":2431,"_1969":11954,"_49":11955},{},[11956],{"_1967":1973,"_1969":11957,"_49":11958},{},[11959,11964],{"_1967":1977,"_1978":11960,"_1980":11961,"_1969":11963},"Spread payments: ",[11962],{"_13":3095},{},{"_1967":1977,"_1978":11965,"_1980":11966,"_1969":11967},"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.",[],{},{"_1967":2431,"_1969":11969,"_49":11970},{},[11971],{"_1967":1973,"_1969":11972,"_49":11973},{},[11974,11979],{"_1967":1977,"_1978":11975,"_1980":11976,"_1969":11978},"Spend regularly:",[11977],{"_13":3095},{},{"_1967":1977,"_1978":11980,"_1980":11981,"_1969":11982}," For frequent purchases, choose a card with a long interest-free period. 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",[],{},{"_1967":1973,"_1969":12685,"_49":12686},{},[12687,12691,12698],{"_1967":1977,"_1978":12688,"_1980":12689,"_1969":12690},"To improve your approval chances, check the provider’s specific criteria and consider using an eligibility checker to avoid impacting your ",[],{},{"_1967":2309,"_1969":12692,"_49":12693},{"_2300":6605},[12694],{"_1967":1977,"_1978":12695,"_1980":12696,"_1969":12697},"credit score",[],{},{"_1967":1977,"_1978":2651,"_1980":12699,"_1969":12700},[],{},{"_1967":2022,"_1969":12702,"_49":12705},{"_2017":12703},{"_1799":12704},{"_1807":11579,"_13":1804,"_1805":1809},[],{"_1967":1973,"_1969":12707,"_49":12708},{},[12709],{"_1967":1977,"_1978":9,"_1980":12710,"_1969":12711},[],{},{"_1793":12713,"_1799":12716,"_1833":12727},{"_1795":12714,"_1797":12715},[],[],{"_1801":12717,"_13":1809,"_1807":4855,"_1811":12719,"_1816":2331,"_1818":12721,"_1820":12722,"_1822":12722,"_1823":12723,"_1825":12724,"_1779":12725,"_1831":1832},{"_1799":12718},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12720},{"_13":1804,"_1805":1814,"_1807":2597},"2020-03-10T16:17:30.214Z","2025-07-08T13:26:36.106Z","2020-03-10T16:18:00.383Z",75,{"_1799":12726},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12728,"_1836":1837,"_2604":12729,"_2606":455,"_2607":12730},"Business INS comparison - Money home - Parent","Business Insurance",{"_1799":12731},{"_13":1804,"_1805":1809,"_1807":4895},{"_1793":12733,"_1799":12736,"_1833":12746},{"_1795":12734,"_1797":12735},[],[],{"_1801":12737,"_13":1809,"_1807":7289,"_1811":12739,"_1816":3679,"_1818":12741,"_1820":12742,"_1822":12742,"_1823":12743,"_1825":5246,"_1779":12744,"_1831":1832},{"_1799":12738},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12740},{"_13":1804,"_1805":1814,"_1807":2150},"2024-12-17T15:12:01.705Z","2026-04-29T09:42:14.500Z","2024-12-17T15:41:08.064Z",{"_1799":12745},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12747,"_1836":1837,"_2160":12748,"_2188":12764,"_2190":12765,"_2198":59,"_6808":6809},"SME Case Studies - Collection Module",{"_1969":12749,"_49":12750,"_1967":1968},{},[12751,12758],{"_1969":12752,"_49":12753,"_1967":2350},{},[12754],{"_1969":12755,"_1980":12756,"_1978":12757,"_1967":1977},{},[],"Business success stories",{"_1969":12759,"_49":12760,"_1967":1973},{},[12761],{"_1969":12762,"_1980":12763,"_1978":9,"_1967":1977},{},[],"pills",[12766,12768,12770],{"_1799":12767},{"_13":1804,"_1805":1809,"_1807":2115},{"_1799":12769},{"_13":1804,"_1805":1809,"_1807":4339},{"_1799":12771},{"_13":1804,"_1805":1809,"_1807":3949},{"_1793":12773,"_1799":12776,"_1833":12786},{"_1795":12774,"_1797":12775},[],[],{"_1801":12777,"_13":1809,"_1807":5598,"_1811":12779,"_1816":1826,"_1818":12781,"_1820":12782,"_1822":12782,"_1823":12783,"_1825":12018,"_1779":12784,"_1831":1832},{"_1799":12778},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12780},{"_13":1804,"_1805":1814,"_1807":1955},"2025-04-10T09:32:04.600Z","2026-06-01T18:37:50.058Z","2025-04-17T12:54:41.054Z",{"_1799":12785},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12787,"_1943":12788,"_49":12789,"_1836":1837},"Platinum - Business - Business Credit Cards - More than one","Is it worth having more than one business credit card?",{"_1967":1968,"_1969":12790,"_49":12791},{},[12792,12799,12818,12825,12832,12840,12859,12901],{"_1967":1973,"_1969":12793,"_49":12794},{},[12795],{"_1967":1977,"_1978":12796,"_1980":12797,"_1969":12798},"The number of business credit cards you need depends on your business’s spending habits and financial goals. ",[],{},{"_1967":1973,"_1969":12800,"_49":12801},{},[12802,12806,12814],{"_1967":1977,"_1978":12803,"_1980":12804,"_1969":12805},"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",[],{},{"_1967":2309,"_1969":12807,"_49":12809},{"_2300":12808},"https://www.money.co.uk/business/guides/how-to-improve-cash-flow",[12810],{"_1967":1977,"_1978":12811,"_1980":12812,"_1969":12813}," improve cash flow",[],{},{"_1967":1977,"_1978":12815,"_1980":12816,"_1969":12817}," by spreading out payment due dates.",[],{},{"_1967":1973,"_1969":12819,"_49":12820},{},[12821],{"_1967":1977,"_1978":12822,"_1980":12823,"_1969":12824},"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. ",[],{},{"_1967":1973,"_1969":12826,"_49":12827},{},[12828],{"_1967":1977,"_1978":12829,"_1980":12830,"_1969":12831},"Ultimately, the best approach is to choose the number of cards that fits your business needs and financial management capabilities. ",[],{},{"_1967":1973,"_1969":12833,"_49":12834},{},[12835],{"_1967":1977,"_1978":12836,"_1980":12837,"_1969":12839},"Tax deductions",[12838],{"_13":3095},{},{"_1967":1973,"_1969":12841,"_49":12842},{},[12843,12847,12855],{"_1967":1977,"_1978":12844,"_1980":12845,"_1969":12846},"Using your business credit card for ",[],{},{"_1967":2309,"_1969":12848,"_49":12850},{"_2300":12849},"https://www.money.co.uk/business/guides/business-expenses-explained",[12851],{"_1967":1977,"_1978":12852,"_1980":12853,"_1969":12854},"legitimate business expenses",[],{},{"_1967":1977,"_1978":12856,"_1980":12857,"_1969":12858},", like office supplies, travel, or client entertainment, can also help you claim tax deductions. ",[],{},{"_1967":1973,"_1969":12860,"_49":12861},{},[12862,12866,12874,12878,12886,12890,12898],{"_1967":1977,"_1978":12863,"_1980":12864,"_1969":12865},"These purchases are typically considered tax-deductible business expenses when ",[],{},{"_1967":2309,"_1969":12867,"_49":12869},{"_2300":12868},"https://www.money.co.uk/business/guides/beginners-guide-to-self-assessment",[12870],{"_1967":1977,"_1978":12871,"_1980":12872,"_1969":12873},"filing your self-assessment",[],{},{"_1967":1977,"_1978":12875,"_1980":12876,"_1969":12877}," or ",[],{},{"_1967":2309,"_1969":12879,"_49":12881},{"_2300":12880},"https://www.money.co.uk/business/guides/corporation-tax-guide",[12882],{"_1967":1977,"_1978":12883,"_1980":12884,"_1969":12885},"corporate tax return",[],{},{"_1967":1977,"_1978":12887,"_1980":12888,"_1969":12889},". To make the process easier, keep detailed records of all transactions. Credit card statements can be a useful tool for ",[],{},{"_1967":2309,"_1969":12891,"_49":12893},{"_2300":12892},"https://www.money.co.uk/business/guides/how-to-track-business-expenses",[12894],{"_1967":1977,"_1978":12895,"_1980":12896,"_1969":12897},"tracking and categorising expenses",[],{},{"_1967":1977,"_1978":9584,"_1980":12899,"_1969":12900},[],{},{"_1967":1973,"_1969":12902,"_49":12903},{},[12904,12908,12912,12920],{"_1967":1977,"_1978":12905,"_1980":12906,"_1969":12907},"I",[],{},{"_1967":1977,"_1978":12909,"_1980":12910,"_1969":12911},"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 ",[],{},{"_1967":2309,"_1969":12913,"_49":12915},{"_2300":12914},"https://www.money.co.uk/business/guides/tax-advisors-and-accountants",[12916],{"_1967":1977,"_1978":12917,"_1980":12918,"_1969":12919},"accountant or tax adviser",[],{},{"_1967":1977,"_1978":2651,"_1980":12921,"_1969":12922},[],{},{"_1793":12924,"_1799":12927,"_1833":12937},{"_1795":12925,"_1797":12926},[],[],{"_1801":12928,"_13":1809,"_1807":8711,"_1811":12930,"_1816":3248,"_1818":12932,"_1820":12933,"_1822":12933,"_1823":12934,"_1825":8056,"_1779":12935,"_1831":1832},{"_1799":12929},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12931},{"_13":1804,"_1805":1814,"_1807":8708},"2025-02-10T11:25:06.921Z","2026-05-16T13:18:03.747Z","2025-02-13T17:13:19.722Z",{"_1799":12936},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12938,"_1836":1837,"_2010":12939,"_2846":12940},"Business Loans forced journey test","platinum-ppc",{"_12941":12942,"_12953":12954,"_12955":12956,"_2010":12957,"_12958":12959,"_1881":12948},"steps",[12943],{"_1833":12944,"_12951":12952},[12945,12949],{"_47":12946,"_13":12947,"_1978":12948},"source","hidden","business-loans",{"_47":12950,"_13":12947,"_1978":286},"page","buttonProps",{"_4505":8121,"_2010":6809},"action",{"_6920":6989},"method","GET","simple","productId","fa532f9b-f932-4cf6-bc30-3764d59e98b8",{"_1793":12961,"_1799":12964,"_1833":12974},{"_1795":12962,"_1797":12963},[],[],{"_1801":12965,"_13":1809,"_1807":10123,"_1811":12967,"_1816":2278,"_1818":12969,"_1820":12970,"_1822":12970,"_1823":12971,"_1825":2282,"_1779":12972,"_1831":1832},{"_1799":12966},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12968},{"_13":1804,"_1805":1814,"_1807":1955},"2026-03-20T15:11:15.849Z","2026-04-29T09:42:14.872Z","2026-03-20T16:35:30.522Z",{"_1799":12973},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12975,"_1943":12976,"_49":12977,"_1836":1837},"BCA -- Is my money protected?","Is my money protected?",{"_1967":1968,"_1969":12978,"_49":12979},{},[12980],{"_1967":1973,"_1969":12981,"_49":12982},{},[12983,12987,12996],{"_1967":1977,"_1978":12984,"_1980":12985,"_1969":12986},"Most UK business bank accounts are protected by the ",[],{},{"_1967":2309,"_1969":12988,"_49":12990},{"_2300":12989},"https://www.fscs.org.uk/",[12991],{"_1967":1977,"_1978":12992,"_1980":12993,"_1969":12995},"FSCS",[12994],{"_13":2307},{},{"_1967":1977,"_1978":12997,"_1980":12998,"_1969":12999}," up to £120,000, provided the bank is FCA or PRA-authorised. For sole traders, the FSCS limit is shared with your personal account.",[],{},{"_1793":13001,"_1799":13004,"_1833":13014},{"_1795":13002,"_1797":13003},[],[],{"_1801":13005,"_13":1809,"_1807":2254,"_1811":13007,"_1816":2282,"_1818":13009,"_1820":13010,"_1822":13010,"_1823":13011,"_1825":2129,"_1779":13012,"_1831":1832},{"_1799":13006},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":13008},{"_13":1804,"_1805":1814,"_1807":6821},"2021-04-12T09:32:13.605Z","2026-01-28T11:38:09.635Z","2021-04-12T09:37:21.563Z",{"_1799":13013},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":13015,"_1836":1837,"_6830":10826,"_1815":13016,"_13017":13018,"_6832":13019,"_6834":13020},"Sara Benwell","/authors/sara-benwell","twitterLink","https://twitter.com/sarabenwell","https://www.linkedin.com/in/sara-benwell-66a37b21/",{"_1799":13021},{"_13":1804,"_1805":2073,"_1807":13022},"2mT9nHQz9NUoVYHOJIJzzU",{"_1793":13024,"_1799":13027,"_1833":13037},{"_1795":13025,"_1797":13026},[],[],{"_1801":13028,"_13":1809,"_1807":4383,"_1811":13030,"_1816":2151,"_1818":13032,"_1820":13033,"_1822":13033,"_1823":13034,"_1825":4322,"_1779":13035,"_1831":1832},{"_1799":13029},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":13031},{"_13":1804,"_1805":1814,"_1807":6907},"2026-01-19T11:54:54.441Z","2026-06-01T18:37:48.744Z","2026-01-27T13:42:39.613Z",{"_1799":13036},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":13038,"_1836":1837,"_2846":13039},"Business Finance Credit Cards Products Schema Test",{"_13040":13041,"_6926":13042,"_6929":13046,"_13062":13063,"_13073":13074,"_13076":13077,"_6979":13079,"_6980":13080,"_13088":13089,"_13090":13091},"logo",{"_6920":6952},{"_1977":13043,"_2010":13044},{"_6920":6928},{"_1978":13045},"tertiary",[13047,13052,13057],{"_4505":13048,"_49":13050},{"_1978":13049},"Purchases",{"_6920":13051},"_source.definition.column_purchases",{"_4505":13053,"_49":13055},{"_1978":13054},"Annual fee",{"_6920":13056},"_source.definition.column_annual_fee",{"_4505":13058,"_49":13060},{"_1978":13059},"Representative APR (variable)",{"_6920":13061},"_source.definition.column_representative_apr_variable","keyInfo",[13064,13068],{"_7010":13065,"_1943":13067},{"_6920":13066},"_source.definition.usps",{"_1978":7005},{"_7010":13069,"_1943":13071},{"_6920":13070},"fees",{"_1978":13072},"Fees","provider",{"_6920":13075},"_source.definition.provider.name","footNotes",{"_6920":13078},"_source.definition.usp_representative_example",{"_1978":2278},[13081,13085],{"_34":13082,"_1977":13083},{"_6920":6989},{"_1978":13084},"Apply online",{"_34":13086,"_1977":13087},{"_6920":6984},{"_1978":6986},"displayName",{"_6920":6976},"cardFootnote",{"_6920":13092},"_source.definition.card_footnote",{"_1793":13094,"_1799":13097,"_1833":13107},{"_1795":13095,"_1797":13096},[],[],{"_1801":13098,"_13":1809,"_1807":7188,"_1811":13100,"_1816":2782,"_1818":13102,"_1820":13103,"_1822":13103,"_1823":13104,"_1825":4057,"_1779":13105,"_1831":1832},{"_1799":13099},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":13101},{"_13":1804,"_1805":1814,"_1807":3555},"2023-06-02T13:32:46.804Z","2026-05-16T13:18:04.555Z","2023-06-14T14:10:56.830Z",{"_1799":13106},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11766,"_1836":1837,"_1943":5192,"_3565":59,"_2010":2011,"_3567":13108},[13109,13111,13113,13115,13117,13119,13121,13124,13126,13128],{"_1799":13110},{"_13":1804,"_1805":1809,"_1807":2789},{"_1799":13112},{"_13":1804,"_1805":1809,"_1807":12347},{"_1799":13114},{"_13":1804,"_1805":1809,"_1807":2611},{"_1799":13116},{"_13":1804,"_1805":1809,"_1807":12265},{"_1799":13118},{"_13":1804,"_1805":1809,"_1807":4097},{"_1799":13120},{"_13":1804,"_1805":1809,"_1807":4670},{"_1799":13122},{"_13":1804,"_1805":1809,"_1807":13123},"tcURnIgvEr0HHdVzR3CXs",{"_1799":13125},{"_13":1804,"_1805":1809,"_1807":10647},{"_1799":13127},{"_13":1804,"_1805":1809,"_1807":5462},{"_1799":13129},{"_13":1804,"_1805":1809,"_1807":3719},{"_1793":13131,"_1799":13134,"_1833":13144},{"_1795":13132,"_1797":13133},[],[],{"_1801":13135,"_13":1809,"_1807":10129,"_1811":13137,"_1816":2278,"_1818":13139,"_1820":13140,"_1822":13140,"_1823":13141,"_1825":2331,"_1779":13142,"_1831":1832},{"_1799":13136},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":13138},{"_13":1804,"_1805":1814,"_1807":1955},"2026-03-20T15:14:11.980Z","2026-04-29T09:42:14.904Z","2026-03-20T16:35:30.560Z",{"_1799":13143},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":13145,"_1943":13146,"_49":13147,"_1836":1837},"BCA -- Are there limits on transactions, and can I open multiple accounts?","Are there limits on transactions, and can I open multiple accounts?",{"_1967":1968,"_1969":13148,"_49":13149},{},[13150,13157],{"_1967":1973,"_1969":13151,"_49":13152},{},[13153],{"_1967":1977,"_1978":13154,"_1980":13155,"_1969":13156},"Many business accounts have monthly limits on free transactions or cash deposits, and exceeding them can trigger additional fees. 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.",[],{},{"_1967":1973,"_1969":13158,"_49":13159},{},[13160],{"_1967":1977,"_1978":13161,"_1980":13162,"_1969":13163},"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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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.",{"_1969":14216,"_49":14217,"_1967":1973},{},[14218],{"_1969":14219,"_1980":14220,"_1978":14221,"_1967":1977},{},[],"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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Here's what to look for:",[],{},{"_1967":1973,"_1969":14282,"_49":14283},{},[14284,14289],{"_1967":1977,"_1978":14285,"_1980":14286,"_1969":14288},"Accounting software integration ",[14287],{"_13":3095},{},{"_1967":1977,"_1978":14290,"_1980":14291,"_1969":14292},"- Many accounts connect with Xero, QuickBooks, Sage or FreeAgent. This is worth prioritising if you're managing your own books.",[],{},{"_1967":1973,"_1969":14294,"_49":14295},{},[14296,14301],{"_1967":1977,"_1978":14297,"_1980":14298,"_1969":14300},"Invoicing tools ",[14299],{"_13":3095},{},{"_1967":1977,"_1978":14302,"_1980":14303,"_1969":14304},"- Some accounts let you send, chase and track invoices directly, which can save meaningful time if you bill clients regularly.",[],{},{"_1967":1973,"_1969":14306,"_49":14307},{},[14308,14313],{"_1967":1977,"_1978":14309,"_1980":14310,"_1969":14312},"Overdraft facilities ",[14311],{"_13":3095},{},{"_1967":1977,"_1978":14314,"_1980":14315,"_1969":14316},"- Useful for smoothing out cash flow gaps. If you think you'll need one, it is generally worth checking eligibility criteria before you commit.",[],{},{"_1967":1973,"_1969":14318,"_49":14319},{},[14320,14325],{"_1967":1977,"_1978":14321,"_1980":14322,"_1969":14324},"International transactions",[14323],{"_13":3095},{},{"_1967":1977,"_1978":14326,"_1980":14327,"_1969":14328}," - If you trade globally, look for an account that supports multiple currencies and low-cost international transfers. ",[],{},{"_1967":1973,"_1969":14330,"_49":14331},{},[14332,14337,14341,14349,14352,14359],{"_1967":1977,"_1978":14333,"_1980":14334,"_1969":14336},"Access to credit",[14335],{"_13":3095},{},{"_1967":1977,"_1978":14338,"_1980":14339,"_1969":14340}," - Some accounts offer a route into ",[],{},{"_1967":2309,"_1969":14342,"_49":14344},{"_2300":14343},"https://www.money.co.uk/business/business-credit-cards",[14345],{"_1967":1977,"_1978":14346,"_1980":14347,"_1969":14348},"business credit cards",[],{},{"_1967":1977,"_1978":12875,"_1980":14350,"_1969":14351},[],{},{"_1967":2309,"_1969":14353,"_49":14354},{"_2300":7966},[14355],{"_1967":1977,"_1978":14356,"_1980":14357,"_1969":14358},"loans",[],{},{"_1967":1977,"_1978":14360,"_1980":14361,"_1969":14362},", which can help fund growth or manage short-term cash flow.",[],{},{"_1967":1973,"_1969":14364,"_49":14365},{},[14366,14371],{"_1967":1977,"_1978":14367,"_1980":14368,"_1969":14370},"Interest on balances",[14369],{"_13":3095},{},{"_1967":1977,"_1978":14372,"_1980":14373,"_1969":14374}," - Not all accounts pay interest, but some do. If you're likely to hold a healthy balance, it's worth factoring in.",[],{},{"_1967":1973,"_1969":14376,"_49":14377},{},[14378,14383],{"_1967":1977,"_1978":14379,"_1980":14380,"_1969":14382},"FSCS protection",[14381],{"_13":3095},{},{"_1967":1977,"_1978":14384,"_1980":14385,"_1969":14386}," - Most UK-licensed banks protect deposits up to £120,000. 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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":14926,"_14717":14951,"_14851":14957},{"_6960":14927,"_14932":14933,"_14817":14937,"_14941":14942,"_14946":14947},{"_1807":14928,"_14820":-5,"_14821":14929,"_14823":1786,"_14824":14930,"_14826":14931},"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":14934,"_14820":-5,"_14821":14929,"_14823":59,"_14824":14935,"_14826":14936},"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":14938,"_14820":-5,"_14821":14929,"_14823":59,"_14824":14939,"_14826":14940},"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":14943,"_14820":-5,"_14821":14929,"_14823":59,"_14824":14944,"_14826":14945},"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":14948,"_14820":-5,"_14821":14929,"_14823":59,"_14824":14949,"_14826":14950},"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",{"_6960":14952},{"_1807":14953,"_14820":-5,"_14821":14954,"_14823":59,"_14824":14955,"_14826":14956},"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",{"_14817":14958},{"_1807":14959,"_14820":-5,"_14821":14960,"_14823":59,"_14824":14961,"_14826":14962},"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":1933,"_14717":4733,"_14851":1933},"61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef","2026-06-05T01:50:45.424Z",[1933],{"_14696":14843,"_14698":14968,"_14699":-5,"_14700":14969,"_2707":15025},"38888122-37e0-4c56-b9c2-e92846587c01",{"_1807":14968,"_14702":14703,"_14704":2714,"_8673":2714,"_14705":14970,"_14710":14974,"_14728":14979,"_3696":14998,"_14828":15022,"_2703":-5,"_14830":-5,"_14831":-5,"_14832":59,"_14833":15023,"_14835":15024},{"_14717":14971,"_1837":14972},{"_14708":6587},{"_14708":14973},112,{"_1807":14975,"_8673":2714,"_13073":14976,"_14720":14978,"_14862":14860,"_14863":59,"_14728":14979,"_14865":14978,"_14736":14737,"_14866":14980,"_14868":14871,"_14870":14981,"_14872":14982,"_14874":14983,"_14742":2714,"_14877":14984,"_14879":14985,"_14881":14882,"_14883":14884,"_14885":14886,"_14797":14986,"_14887":14888,"_14798":14987,"_14890":14988,"_14892":14989,"_14894":14895,"_14898":14990,"_14900":59,"_14901":14991,"_14902":14891,"_14904":14992,"_14906":14993,"_14908":59,"_14755":14986,"_14756":14987,"_14909":14992,"_14910":14993,"_14911":14994,"_14913":14914,"_14915":14995,"_14917":14996,"_14919":14997,"_14903":-5,"_14921":-5,"_14922":-5,"_14923":-5,"_14924":-5},"0000000000",{"_1807":14856,"_13040":14977,"_47":14860},{"_1837":14858,"_14717":14859},"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",[14984,14985,14882,14884],"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":14999,"_14717":15017},{"_6960":15000,"_14817":15005,"_14941":15009,"_14946":15013},{"_1807":15001,"_14820":-5,"_14821":15002,"_14823":1786,"_14824":15003,"_14826":15004},"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":15006,"_14820":-5,"_14821":15002,"_14823":59,"_14824":15007,"_14826":15008},"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":15010,"_14820":-5,"_14821":15002,"_14823":59,"_14824":15011,"_14826":15012},"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":15014,"_14820":-5,"_14821":15002,"_14823":59,"_14824":15015,"_14826":15016},"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",{"_6960":15018},{"_1807":15019,"_14820":-5,"_14821":14954,"_14823":59,"_14824":15020,"_14826":15021},"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":7461,"_14717":4733},"38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8","2026-06-05T01:50:51.116Z",[7461],{"_14696":14843,"_14698":15027,"_14699":-5,"_14700":15028,"_2707":15076},"14d9d1c1-e024-4c73-9ccc-cf97d70f7923",{"_1807":15027,"_14702":14703,"_14704":2714,"_8673":2714,"_14705":15029,"_14710":15033,"_14728":15042,"_3696":15056,"_14828":15073,"_2703":-5,"_14830":-5,"_14831":-5,"_14832":59,"_14833":15074,"_14835":15075},{"_14717":15030,"_1837":15031},{"_14708":4376},{"_14708":15032},478,{"_1807":15034,"_8673":2714,"_13073":15035,"_14720":15041,"_14862":15040,"_14863":59,"_14728":15042,"_14865":15041,"_14736":14737,"_14874":15043,"_14742":2714,"_14877":15044,"_14879":15045,"_14881":14882,"_14883":15046,"_14797":15047,"_14887":14888,"_14798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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",[15044,15045,14882,15046],{"_1837":15057,"_14717":15067},{"_6960":15058,"_14932":15063},{"_1807":15059,"_14820":-5,"_14821":15060,"_14823":59,"_14824":15061,"_14826":15062},"b5c72503-c142-4521-8d3e-8bd572c4d22e","1000043703","994390","https://www.money.co.uk/clk/14d9d1c1-e024-4c73-9ccc-cf97d70f7923-0f9ce0b5301578fb7d81a03df435ad7c911fd32f/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-cf97d70f7923-0f9ce0b5301578fb7d81a03df435ad7c911fd32f&ucvid=1000043703&ulvid=994390&link_id=b5c72503-c142-4521-8d3e-8bd572c4d22e&sig=8a647615fe88ed1e1cfb8fa5ebbab114bf3f50c58d47c05606b376a3b48f4e05",{"_1807":15064,"_14820":-5,"_14821":15060,"_14823":1786,"_14824":15065,"_14826":15066},"1bc7aeba-ea71-4f6b-bcb7-8b7938076751","994391","https://www.money.co.uk/clk/14d9d1c1-e024-4c73-9ccc-cf97d70f7923-0f9ce0b5301578fb7d81a03df435ad7c911fd32f/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-cf97d70f7923-0f9ce0b5301578fb7d81a03df435ad7c911fd32f&ucvid=1000043703&ulvid=994391&link_id=1bc7aeba-ea71-4f6b-bcb7-8b7938076751&sig=4dfad080793d3350e3cfc38deb9198cbfe16b38d87d90a44de24e7e1c462ed7f",{"_6960":15068},{"_1807":15069,"_14820":-5,"_14821":15070,"_14823":59,"_14824":15071,"_14826":15072},"efc8478f-929a-4fe9-a28f-f55bff458adb","1000046172","1001318","https://www.uswitch.com/clk/14d9d1c1-e024-4c73-9ccc-cf97d70f7923-0f9ce0b5301578fb7d81a03df435ad7c911fd32f/uswitch/business-credit-cards?r=https%3A%2F%2Ffundingcircle.sjv.io%2Fc%2F3096820%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-cf97d70f7923-0f9ce0b5301578fb7d81a03df435ad7c911fd32f&ucvid=1000046172&ulvid=1001318&link_id=efc8478f-929a-4fe9-a28f-f55bff458adb&sig=dfebd8b8ce68aef78d278236890def4dd9a66cd09fcffbfd1edec5aed875f245",{"_1837":3559,"_14717":3559},"14d9d1c1-e024-4c73-9ccc-cf97d70f7923-0f9ce0b5301578fb7d81a03df435ad7c911fd32f","2026-06-05T01:50:48.614Z",[3559],{"_14696":14843,"_14698":15078,"_14699":-5,"_14700":15079,"_2707":15158},"bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97",{"_1807":15078,"_14702":14703,"_14704":2714,"_8673":2714,"_14705":15080,"_14710":15084,"_14728":15093,"_3696":15128,"_14828":15153,"_2703":-5,"_14830":-5,"_14831":-5,"_14832":59,"_14833":15156,"_14835":15157},{"_14717":15081,"_1837":15082},{"_14708":4318},{"_14708":15083},247,{"_1807":15085,"_8673":2714,"_13073":15086,"_14720":15092,"_14863":59,"_14728":15093,"_15094":15095,"_14865":15092,"_14736":14737,"_14866":15096,"_14868":15097,"_14870":15098,"_14872":15099,"_14874":15100,"_14742":2714,"_14877":15101,"_14879":15102,"_14881":15098,"_14883":15103,"_14885":15104,"_14797":15105,"_14798":15106,"_15107":59,"_15108":15109,"_15110":1786,"_15111":59,"_15112":59,"_14892":15113,"_14896":15114,"_14898":9,"_14900":59,"_14901":15115,"_15116":2212,"_15117":15118,"_15119":2212,"_14904":15120,"_14906":15120,"_14755":15105,"_14756":15106,"_14909":15120,"_14910":15120,"_14911":15121,"_14913":15122,"_14915":15122,"_15123":15124,"_15125":15126,"_14917":15127,"_14919":15120,"_14862":-5,"_14887":-5,"_14890":-5,"_14902":-5,"_14903":-5,"_14921":-5,"_14922":-5,"_14923":-5,"_14924":-5,"_14894":-5},"88736572",{"_1807":15087,"_13040":15088,"_47":15091},"7461c261-c040-4df0-931e-65905ecbf950",{"_1837":15089,"_14717":15090},"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","Unlimited virtual and physical cards","Apple Pay & Google Wallet compatible for seamless payments","Automated receipt capture and AI-powered transaction coding","Direct integration with your accounting system","-","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","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",[15101,15102,15098,15103],{"_1837":15129,"_14717":15147},{"_6960":15130,"_14817":15135,"_14941":15139,"_14946":15143},{"_1807":15131,"_14820":-5,"_14821":15132,"_14823":59,"_14824":15133,"_14826":15134},"b816e76f-3854-4262-bb1b-8d283922b7e6","1000045489","999063","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-646a79b0120c35b43a1b446b1eb02c412fb71fd8/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-d61bd9bb4c97-646a79b0120c35b43a1b446b1eb02c412fb71fd8&ucvid=1000045489&ulvid=999063&link_id=b816e76f-3854-4262-bb1b-8d283922b7e6&sig=2074eb793b3d2975aa8f18628eddc922740d79cd763e23faa55985f7da8ac600",{"_1807":15136,"_14820":-5,"_14821":15132,"_14823":59,"_14824":15137,"_14826":15138},"598dd199-3a8a-46d2-b487-5fe9ebfcb3e0","999061","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-646a79b0120c35b43a1b446b1eb02c412fb71fd8/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-d61bd9bb4c97-646a79b0120c35b43a1b446b1eb02c412fb71fd8&ucvid=1000045489&ulvid=999061&link_id=598dd199-3a8a-46d2-b487-5fe9ebfcb3e0&sig=847c09d19d01ef769e2c82a9c409a21fc4c997460e46ee95ed9db30e015237f0",{"_1807":15140,"_14820":-5,"_14821":15132,"_14823":59,"_14824":15141,"_14826":15142},"a2ed1ecc-d5d6-40d4-907c-4894f000a9a5","999062","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-646a79b0120c35b43a1b446b1eb02c412fb71fd8/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-d61bd9bb4c97-646a79b0120c35b43a1b446b1eb02c412fb71fd8&ucvid=1000045489&ulvid=999062&link_id=a2ed1ecc-d5d6-40d4-907c-4894f000a9a5&sig=14a6c5ad827670955e3012c06527e062c5c3afda1619d80d85d4f5013b2ead0c",{"_1807":15144,"_14820":-5,"_14821":15132,"_14823":59,"_14824":15145,"_14826":15146},"97b462d9-46e3-4651-b1d3-67b53c035916","999064","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-646a79b0120c35b43a1b446b1eb02c412fb71fd8/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-d61bd9bb4c97-646a79b0120c35b43a1b446b1eb02c412fb71fd8&ucvid=1000045489&ulvid=999064&link_id=97b462d9-46e3-4651-b1d3-67b53c035916&sig=14a6c5ad827670955e3012c06527e062c5c3afda1619d80d85d4f5013b2ead0c",{"_6960":15148},{"_1807":15149,"_14820":-5,"_14821":15150,"_14823":59,"_14824":15151,"_14826":15152},"6b40eec8-05df-479a-8e73-a89635cd78e1","1000046093","1000753","https://www.uswitch.com/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-646a79b0120c35b43a1b446b1eb02c412fb71fd8/uswitch/business-credit-cards?r=https%3A%2F%2Fwww.getmoss.com%2Fen-gb%2Flp-business-credit-cards%3Futm_source%3Drvu_uswitch%26utm_medium%3Daffiliate%26utm_campaign%3DAF_D_UK_Cards_Credit_rvu_uswitch&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-d61bd9bb4c97-646a79b0120c35b43a1b446b1eb02c412fb71fd8&ucvid=1000046093&ulvid=1000753&link_id=6b40eec8-05df-479a-8e73-a89635cd78e1&sig=0a8ace1940c5e0a05488acda539da659f6d52d6a064ee6aacffd16daadcdf0b2",{"_1837":15154,"_14717":15155},65,999,"bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-646a79b0120c35b43a1b446b1eb02c412fb71fd8","2026-06-05T01:50:39.575Z",[15154],{"_14696":14843,"_14698":15160,"_14699":-5,"_14700":15161,"_2707":15216},"90bdb5bb-a4eb-4224-830b-1bc488e50b02",{"_1807":15160,"_14702":14703,"_14704":2714,"_8673":2714,"_14705":15162,"_14710":15165,"_14728":15175,"_3696":15196,"_14828":15212,"_2703":-5,"_14830":-5,"_14831":-5,"_14832":59,"_14833":15214,"_14835":15215},{"_1837":15163},{"_14708":15164},107,{"_1807":15166,"_8673":2714,"_13073":15167,"_14720":15173,"_14862":15174,"_14863":59,"_14728":15175,"_14865":15176,"_14736":14737,"_14866":15177,"_14868":15178,"_14870":15179,"_14872":15180,"_14874":15100,"_14742":2714,"_14877":15179,"_14879":15181,"_14881":15182,"_14883":15183,"_14885":15184,"_14797":15185,"_14887":14888,"_14798":15186,"_14890":15187,"_14892":15188,"_14896":9,"_14898":9,"_14901":15189,"_14902":15190,"_14904":15191,"_14755":15185,"_14756":15186,"_14909":15191,"_14911":15192,"_14913":15193,"_14915":15194,"_14917":15195,"_14919":15191,"_14906":-5,"_14903":-5,"_14921":-5,"_14922":-5,"_14910":-5,"_14923":-5,"_14924":-5,"_14894":-5},"25001",{"_1807":15168,"_13040":15169,"_47":15172},"7721c3e4-07de-43cf-84c3-e23e2c8cbb59",{"_1837":15170,"_14717":15171},"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. 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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",[15236,15237,15238,15239],"*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. Subject to status.",{"_1837":15253},{"_14817":15254,"_15203":15259,"_14946":15263},{"_1807":15255,"_14820":-5,"_14821":15256,"_14823":59,"_14824":15257,"_14826":15258},"e644f5ee-10f0-4442-b6a1-64addbbda9ca","1000045618","999792","https://www.money.co.uk/clk/5486c391-d6c4-489d-a5a8-b6b4f8e33692-459ea0ebf4a227375001bfd5c72b650311d6c574/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Famex-platinum&category=business-credit-cards&supplier=American+Express&product_name=The+American+Express%C2%AE+Business+Platinum+Card&pid=5486c391-d6c4-489d-a5a8-b6b4f8e33692&ln=application&upvid=5486c391-d6c4-489d-a5a8-b6b4f8e33692-459ea0ebf4a227375001bfd5c72b650311d6c574&ucvid=1000045618&ulvid=999792&link_id=e644f5ee-10f0-4442-b6a1-64addbbda9ca&sig=22783e0d2ca282b669a0aa98976ec70651e39586074d824d31c25d7364eb43d9",{"_1807":15260,"_14820":-5,"_14821":15256,"_14823":59,"_14824":15261,"_14826":15262},"bf71ddce-c451-49f4-8bfb-9e93e53a2c65","999794","https://www.money.co.uk/clk/5486c391-d6c4-489d-a5a8-b6b4f8e33692-459ea0ebf4a227375001bfd5c72b650311d6c574/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk&category=business-credit-cards&supplier=American+Express&product_name=The+American+Express%C2%AE+Business+Platinum+Card&pid=5486c391-d6c4-489d-a5a8-b6b4f8e33692&ln=eligibility_checked&upvid=5486c391-d6c4-489d-a5a8-b6b4f8e33692-459ea0ebf4a227375001bfd5c72b650311d6c574&ucvid=1000045618&ulvid=999794&link_id=bf71ddce-c451-49f4-8bfb-9e93e53a2c65&sig=55fd489e72821c46d5a2e90f4d11b56d89e08b5977bbb2e37ba2cb10be36e919",{"_1807":15264,"_14820":-5,"_14821":15256,"_14823":59,"_14824":15265,"_14826":15266},"a60241e0-c101-4fca-ae32-ee4b6dcb370f","999793","https://www.money.co.uk/clk/5486c391-d6c4-489d-a5a8-b6b4f8e33692-459ea0ebf4a227375001bfd5c72b650311d6c574/money/business-credit-cards?r=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Dg6PfYBeCXNo%26offerid%3D1034633.6%26type%3D3%26subid%3D0&category=business-credit-cards&supplier=American+Express&product_name=The+American+Express%C2%AE+Business+Platinum+Card&pid=5486c391-d6c4-489d-a5a8-b6b4f8e33692&ln=application_completed&upvid=5486c391-d6c4-489d-a5a8-b6b4f8e33692-459ea0ebf4a227375001bfd5c72b650311d6c574&ucvid=1000045618&ulvid=999793&link_id=a60241e0-c101-4fca-ae32-ee4b6dcb370f&sig=8888d1531acf57e36042f7fafe34502e5045b6c3cc4846aa0767a08cf0cff30e",{"_1837":15268},68,"5486c391-d6c4-489d-a5a8-b6b4f8e33692-459ea0ebf4a227375001bfd5c72b650311d6c574","2026-06-05T01:50:47.806Z",[15268],{"_14696":14843,"_14698":15273,"_14699":-5,"_14700":15274,"_2707":15326},"d56fed6b-0f6f-4a04-ae53-a03ef93ba0ef",{"_1807":15273,"_14702":14703,"_14704":2714,"_8673":2714,"_14705":15275,"_14710":15277,"_14728":15281,"_3696":15302,"_14828":15322,"_2703":-5,"_14830":-5,"_14831":-5,"_14832":59,"_14833":15324,"_14835":15325},{"_1837":15276},{"_14708":4178},{"_1807":16,"_8673":2714,"_13073":15278,"_14720":15280,"_14863":59,"_14728":15281,"_14865":15282,"_14736":14737,"_14866":15283,"_14868":15284,"_14870":15285,"_14872":15286,"_14874":15100,"_14742":2714,"_14877":15287,"_14879":15284,"_14881":15288,"_14883":15289,"_14885":15240,"_14797":15290,"_14887":14888,"_14798":15291,"_15108":15292,"_14892":3152,"_14896":15293,"_14898":15294,"_14901":2212,"_14902":15246,"_14904":15295,"_14906":15296,"_14923":15297,"_14755":15290,"_14756":15291,"_14909":15295,"_14911":15298,"_14913":15249,"_14915":15122,"_15125":15299,"_14917":15300,"_14919":15301,"_14862":-5,"_14890":-5,"_14903":-5,"_14921":-5,"_14922":-5,"_14910":-5,"_14924":-5,"_14894":-5},{"_1807":15225,"_13040":15279,"_47":15174},{"_1837":15227,"_14717":15228},"Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months. Terms apply.","The American Express® Business Gold Card","Earn up to 20,000 welcome bonus rewards points* ","Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. Terms apply.","Get up to £200 in Amex Travel Credits when you spend £80,000 in your Cardmembership year. Terms apply","£100 annual Dell Technologies statement credit","Up to 20 complimentary Employee Cards","Earn 1x Membership Rewards points for every eligible £1 spent on purchases and 2x points for every £1 spent on American Express Travel","Available to UK LTD and LLP businesses, signatories must be 18+ and a director / member of the busieness. Subject to status.","Good for earning flexible points on everyday spend","https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/product/credit-cards/sbs_gold_dod_480x304.jpg","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/product/credit-cards/sbs_gold_dod_480x304.jpg",20000,"*Earn 4x points for every eligible £1 spent (up to 40k points – max £10k spend) in the first 3 months of Cardmembership ","*Annual fee £195 (£0 in the first year). Interest & terms apply. Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. Annual fee applies after first year. Terms apply. Available to UK LTDs and LLPS. Signatories must be 18+ and a Director/member of the business. Subject to status. ","*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. 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