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This is due to renewed concerns about inflation, particularly linked to energy costs. ",{"_1948":4475,"_49":4476,"_1946":1952},{},[4477],{"_1948":4478,"_1959":4479,"_1957":4480,"_1946":1956},{},[],"Higher base rates typically lead to higher borrowing costs for businesses. 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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. 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With the right preparation and a quick check on your eligibility, the whole process becomes a lot smoother, letting you focus on what you really want to achieve.","https://img.money.co.uk/t014ej9w3ur1/1NrCh0JrfhpmliOJVrls74/0d0979720c148489f1cb6ac632c24fd6/IMG_1138.jpg.png?auto=format%2Ccompress&ar=1%3A1&crop=faces&fit=crop&ixlib=react-9.8.1&q=45&w=200&h=200&dpr=2","authorDesg","Small business expert","authorUrl","https://www.money.co.uk/authors/joe-phelan","3SsD2VK4a2h5GzgL9M1rBD",{"_1793":4746,"_1798":4749,"_1837":4760},{"_1795":4747,"_1805":4748},[],[],{"_1808":4750,"_13":1813,"_1803":4744,"_1815":4752,"_1820":2212,"_1822":4755,"_1824":4756,"_1826":4756,"_1827":4757,"_1829":2216,"_1779":4758,"_1835":1836},{"_1798":4751},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":4753},{"_13":1800,"_1801":1818,"_1803":4754},"billboard","2022-01-12T11:22:31.904Z","2025-10-24T11:24:10.431Z","2022-01-12T11:22:32.197Z",{"_1798":4759},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":4761,"_4762":4763,"_4766":4767,"_1840":1841},"Business insurance guides","breadcrumbs",{"_1798":4764},{"_13":1800,"_1801":1813,"_1803":4765},"7ttl49MUIjKtzDMlWBjYha","primaryContent",{"_1946":1947,"_1948":4768,"_49":4769},{},[4770,4777],{"_1946":4771,"_1948":4772,"_49":4773},"heading-1",{},[4774],{"_1946":1956,"_1957":4761,"_1959":4775,"_1948":4776},[],{},{"_1946":1952,"_1948":4778,"_49":4779},{},[4780],{"_1946":1956,"_1957":4781,"_1959":4782,"_1948":4783},"Explore your insurance options to keep your business and team fully protected.",[],{},"3T7cEGE9QcC3Op1iF3NRmF",{"_1793":4786,"_1798":4789,"_1837":4801},{"_1795":4787,"_1805":4788},[],[],{"_1808":4790,"_13":1813,"_1803":4784,"_1815":4792,"_1820":4794,"_1822":4795,"_1824":4796,"_1826":4796,"_1827":4797,"_1829":4798,"_1779":4799,"_1835":1836},{"_1798":4791},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":4793},{"_13":1800,"_1801":1818,"_1803":2458},108,"2021-11-15T11:13:27.272Z","2026-05-22T12:32:24.582Z","2021-11-15T11:14:06.246Z",141,{"_1798":4800},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":4802,"_1840":1841,"_2466":192,"_2468":1277,"_2469":4803},"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. ",{"_1948":4945,"_49":4946,"_1946":1952},{},[4947,4951,4955],{"_1948":4948,"_1959":4949,"_1957":4950,"_1946":1956},{},[],"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’",{"_1948":4952,"_1959":4953,"_1957":2895,"_1946":1956},{},[4954],{"_13":3130},{"_1948":4956,"_1959":4957,"_1957":4958,"_1946":1956},{},[],"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.",{"_1948":4960,"_49":4961,"_1946":1952},{},[4962,4966,4974],{"_1948":4963,"_1959":4964,"_1957":4965,"_1946":1956},{},[],"You can see ",{"_1948":4967,"_49":4969,"_1946":2292},{"_2283":4968},"/editorial-policy",[4970],{"_1948":4971,"_1959":4972,"_1957":4973,"_1946":1956},{},[],"our editorial policy",{"_1948":4975,"_1959":4976,"_1957":4977,"_1946":1956},{},[]," here.\n\n",{"_1948":4979,"_49":4980,"_1946":1952},{},[4981],{"_1948":4982,"_1959":4983,"_1957":9,"_1946":1956},{},[],{"_1793":4985,"_1798":4988,"_1837":4999},{"_1795":4986,"_1805":4987},[],[],{"_1808":4989,"_13":1813,"_1803":3853,"_1815":4991,"_1820":3831,"_1822":4993,"_1824":4994,"_1826":4995,"_1827":4996,"_1829":3026,"_1779":4997,"_1835":1836},{"_1798":4990},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":4992},{"_13":1800,"_1801":1818,"_1803":1934},"2025-04-10T09:54:20.042Z","2026-05-22T09:09:29.541Z","2026-03-17T18:20:52.112Z","2025-04-17T12:52:55.925Z",{"_1798":4998},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5000,"_1943":5001,"_49":5002,"_1840":1841},"Gather your documents","4. Prepare your documents",{"_1946":1947,"_1948":5003,"_49":5004},{},[5005,5012,5019],{"_1946":1952,"_1948":5006,"_49":5007},{},[5008],{"_1946":1956,"_1957":5009,"_1959":5010,"_1948":5011},"Prepare your business details like your turnover, registered address, company registration number and unique taxpayer reference.",[],{},{"_1946":1952,"_1948":5013,"_49":5014},{},[5015],{"_1946":1956,"_1957":5016,"_1959":5017,"_1948":5018},"Providers will also ask you for personal details like your home address, and you'll need proof of your identification.",[],{},{"_1946":1952,"_1948":5020,"_49":5021},{},[5022],{"_1946":1956,"_1957":9,"_1959":5023,"_1948":5024},[],{},"3dMQFuFwL6BTIow6LidVW5",{"_1793":5027,"_1798":5030,"_1837":5039},{"_1795":5028,"_1805":5029},[],[],{"_1808":5031,"_13":1813,"_1803":5025,"_1815":5033,"_1820":2041,"_1822":5035,"_1824":5036,"_1779":5037,"_1835":1836},{"_1798":5032},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5034},{"_13":1800,"_1801":1818,"_1803":1934},"2026-05-21T11:56:48.628Z","2026-05-21T12:08:37.498Z",{"_1798":5038},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5040,"_1943":5040,"_2048":5041,"_49":5044,"_1840":1841},"Scaling your business",{"_1798":5042},{"_13":1800,"_1801":2051,"_1803":5043},"6XvxO4NW0cg4TJrPXJe3fw",{"_1948":5045,"_49":5046,"_1946":1947},{},[5047,5054],{"_1948":5048,"_49":5049,"_1946":1952},{},[5050],{"_1948":5051,"_1959":5052,"_1957":5053,"_1946":1956},{},[],"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. ",{"_1948":5055,"_49":5056,"_1946":1952},{},[5057],{"_1948":5058,"_1959":5059,"_1957":5060,"_1946":1956},{},[],"You could consider a card with accounting integrations, which also offers the option to have multiple cards for your employees.","3dYPrLudzHp9TnjmXLCwM",{"_1793":5063,"_1798":5066,"_1837":5078},{"_1795":5064,"_1805":5065},[],[],{"_1808":5067,"_13":1813,"_1803":5061,"_1815":5069,"_1820":5071,"_1822":5072,"_1824":5073,"_1826":5073,"_1827":5074,"_1829":5075,"_1779":5076,"_1835":1836},{"_1798":5068},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5070},{"_13":1800,"_1801":1818,"_1803":2361},32,"2023-05-16T14:30:50.054Z","2026-05-20T12:49:32.750Z","2023-05-18T13:04:21.637Z",77,{"_1798":5077},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5079,"_1840":1841,"_1989":5080,"_2372":5081,"_2447":1786},"Platinum - Business current accounts - Sticky Nav","sticky-nav",{"_5082":5083},"sections",[5084,5088,5092,5096,5100],{"_1819":5085,"_47":5086,"_1803":5087},"Platinum - business bank account - at a glance","At a glance","59CSAthniFl4YlHk4DHSBg",{"_1819":5089,"_47":5090,"_1803":5091},"Platinum - Business current accounts - What to look for in a business bank account","What to look for","uBUWUf9XgCtl6klUtuIfr",{"_1819":5093,"_47":5094,"_1803":5095},"Platinum - Business current accounts - How to compare ","How to compare","3uxscYf39N8Zv9CWAR55OY",{"_1819":5097,"_47":5098,"_1803":5099},"Platinum - Business current accounts - What do you need?","What you need to apply","68C8zenar0UwR7yEUvEhJB",{"_1819":5101,"_47":5102,"_1803":5103},"Platinum - Business current accounts - FAQs","FAQs","5m0t0sKX9ECCfpMRHZLrmp","3iJuZSD4jffkLFgkKt5zIb",{"_1793":5106,"_1798":5109,"_1837":5119},{"_1795":5107,"_1805":5108},[],[],{"_1808":5110,"_13":1813,"_1803":5104,"_1815":5112,"_1820":3635,"_1822":5114,"_1824":5115,"_1826":5115,"_1827":5116,"_1829":1830,"_1779":5117,"_1835":1836},{"_1798":5111},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5113},{"_13":1800,"_1801":1818,"_1803":4618},"2025-02-03T10:25:53.095Z","2026-05-16T13:18:03.733Z","2025-02-13T17:13:19.704Z",{"_1798":5118},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5120,"_1840":1841,"_2048":5121,"_1956":5122,"_2092":5123},"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":5126,"_1798":5129,"_1837":5139},{"_1795":5127,"_1805":5128},[],[],{"_1808":5130,"_13":1813,"_1803":5124,"_1815":5132,"_1820":2261,"_1822":5134,"_1824":5135,"_1826":5135,"_1827":5136,"_1829":3831,"_1779":5137,"_1835":1836},{"_1798":5131},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5133},{"_13":1800,"_1801":1818,"_1803":2192},"2026-04-24T09:26:33.632Z","2026-05-16T13:18:03.833Z","2026-04-24T16:59:21.907Z",{"_1798":5138},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5140,"_49":5141,"_1840":1841},"Am I eligible?",{"_1798":5142},{"_13":1800,"_1801":1813,"_1803":5143},"kfsTKGyJA5kgJHhzh7a3F",{"_1793":5145,"_1798":5148,"_1837":5157},{"_1795":5146,"_1805":5147},[],[],{"_1808":5149,"_13":1813,"_1803":3715,"_1815":5151,"_1820":2041,"_1822":5153,"_1824":5154,"_1779":5155,"_1835":1836},{"_1798":5150},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5152},{"_13":1800,"_1801":1818,"_1803":1979},"2026-05-20T14:03:30.596Z","2026-05-20T15:14:47.130Z",{"_1798":5156},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5158,"_1840":1841,"_1989":1990,"_2141":5159,"_49":5174},"Business credit cards at a glance",{"_1948":5160,"_49":5161,"_1946":1947},{},[5162,5168],{"_1948":5163,"_49":5164,"_1946":2331},{},[5165],{"_1948":5166,"_1959":5167,"_1957":5158,"_1946":1956},{},[],{"_1948":5169,"_49":5170,"_1946":1952},{},[5171],{"_1948":5172,"_1959":5173,"_1957":9,"_1946":1956},{},[],{"_1946":1947,"_1948":5175,"_49":5176},{},[5177,5185,5208,5216,5239,5247,5270],{"_1946":1952,"_1948":5178,"_49":5179},{},[5180],{"_1946":1956,"_1957":5181,"_1959":5182,"_1948":5184},"Can I apply?",[5183],{"_13":2838},{},{"_1946":2824,"_1948":5186,"_49":5187},{},[5188,5198],{"_1946":2828,"_1948":5189,"_49":5190},{},[5191],{"_1946":1952,"_1948":5192,"_49":5193},{},[5194],{"_1946":1956,"_1957":5195,"_1959":5196,"_1948":5197},"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.",[],{},{"_1946":2828,"_1948":5199,"_49":5200},{},[5201],{"_1946":1952,"_1948":5202,"_49":5203},{},[5204],{"_1946":1956,"_1957":5205,"_1959":5206,"_1948":5207},"When deciding what to apply for, it’s best to choose a card that suits your company and profile.",[],{},{"_1946":1952,"_1948":5209,"_49":5210},{},[5211],{"_1946":1956,"_1957":5212,"_1959":5213,"_1948":5215},"Am I Eligible? ",[5214],{"_13":2838},{},{"_1946":2824,"_1948":5217,"_49":5218},{},[5219,5229],{"_1946":2828,"_1948":5220,"_49":5221},{},[5222],{"_1946":1952,"_1948":5223,"_49":5224},{},[5225],{"_1946":1956,"_1957":5226,"_1959":5227,"_1948":5228},"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.",[],{},{"_1946":2828,"_1948":5230,"_49":5231},{},[5232],{"_1946":1952,"_1948":5233,"_49":5234},{},[5235],{"_1946":1956,"_1957":5236,"_1959":5237,"_1948":5238},"Some providers offer soft eligibility checks to show your chances of approval before you apply (which won't impact your credit score).",[],{},{"_1946":1952,"_1948":5240,"_49":5241},{},[5242],{"_1946":1956,"_1957":5243,"_1959":5244,"_1948":5246},"How long will it take?",[5245],{"_13":2838},{},{"_1946":2824,"_1948":5248,"_49":5249},{},[5250,5260],{"_1946":2828,"_1948":5251,"_49":5252},{},[5253],{"_1946":1952,"_1948":5254,"_49":5255},{},[5256],{"_1946":1956,"_1957":5257,"_1959":5258,"_1948":5259},"Approval can range from an instant decision to a few days, depending on how quickly the provider completes your credit checks. ",[],{},{"_1946":2828,"_1948":5261,"_49":5262},{},[5263],{"_1946":1952,"_1948":5264,"_49":5265},{},[5266],{"_1946":1956,"_1957":5267,"_1959":5268,"_1948":5269},"Once you're approved, your card will generally arrive within 7-10 days, but virtual cards can be available immediately.",[],{},{"_1946":1952,"_1948":5271,"_49":5272},{},[5273],{"_1946":1956,"_1957":9,"_1959":5274,"_1948":5275},[],{},"3px7oJ6B9N9RbX0b9WAmrS",{"_1793":5278,"_1798":5281,"_1837":5292},{"_1795":5279,"_1805":5280},[],[],{"_1808":5282,"_13":1813,"_1803":5276,"_1815":5284,"_1820":2261,"_1822":5287,"_1824":5288,"_1826":5288,"_1827":5289,"_1829":2106,"_1779":5290,"_1835":1836},{"_1798":5283},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5285},{"_13":1800,"_1801":1818,"_1803":5286},"linkList","2024-08-14T15:19:30.491Z","2025-06-19T15:37:22.039Z","2024-08-16T08:37:03.162Z",{"_1798":5291},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5293,"_1840":1841,"_1943":5294,"_3599":5295},"Business - Guides - You may also like - Business credit cards","You may also like",[5296,5298,5301,5304,5306],{"_1798":5297},{"_13":1800,"_1801":1813,"_1803":2715},{"_1798":5299},{"_13":1800,"_1801":1813,"_1803":5300},"5Jgmgf3k9pTwikKGxNQGCV",{"_1798":5302},{"_13":1800,"_1801":1813,"_1803":5303},"4T8LwalL4lbPjvDlrkXxnM",{"_1798":5305},{"_13":1800,"_1801":1813,"_1803":4364},{"_1798":5307},{"_13":1800,"_1801":1813,"_1803":2202},"3q0PQcUj25hYubm8nnwzhl",{"_1793":5310,"_1798":5313,"_1837":5323},{"_1795":5311,"_1805":5312},[],[],{"_1808":5314,"_13":1813,"_1803":5308,"_1815":5316,"_1820":2106,"_1822":5318,"_1824":5319,"_1826":5319,"_1827":5320,"_1829":3894,"_1779":5321,"_1835":1836},{"_1798":5315},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5317},{"_13":1800,"_1801":1818,"_1803":1934},"2025-02-24T14:45:01.487Z","2026-02-17T12:06:38.572Z","2025-02-24T14:46:00.748Z",{"_1798":5322},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5324,"_1943":5325,"_49":5326,"_1840":1841},"Platinum - Business - Business Credit Cards - Interest-free","Are there any interest-free business credit cards?",{"_1946":1947,"_1948":5327,"_49":5328},{},[5329,5336,5343],{"_1946":1952,"_1948":5330,"_49":5331},{},[5332],{"_1946":1956,"_1957":5333,"_1959":5334,"_1948":5335},"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.",[],{},{"_1946":1952,"_1948":5337,"_49":5338},{},[5339],{"_1946":1956,"_1957":5340,"_1959":5341,"_1948":5342},"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.",[],{},{"_1946":1952,"_1948":5344,"_49":5345},{},[5346,5350,5354,5357,5365],{"_1946":1956,"_1957":5347,"_1959":5348,"_1948":5349},"Choosing a card with a generous interest-free window can help ",[],{},{"_1946":1956,"_1957":5351,"_1959":5352,"_1948":5353},"free up",[],{},{"_1946":1956,"_1957":2895,"_1959":5355,"_1948":5356},[],{},{"_1946":2292,"_1948":5358,"_49":5360},{"_2283":5359},"https://www.money.co.uk/business/guides/what-is-working-capital",[5361],{"_1946":1956,"_1957":5362,"_1959":5363,"_1948":5364},"working capital",[],{},{"_1946":1956,"_1957":5366,"_1959":5367,"_1948":5368},", especially when spreading the cost of large purchases.",[],{},"3uGVJMHgLuZVxyuW9kI1Fh",{"_1793":5371,"_1798":5374,"_1837":5384},{"_1795":5372,"_1805":5373},[],[],{"_1808":5375,"_13":1813,"_1803":5369,"_1815":5377,"_1820":3831,"_1822":5379,"_1824":5380,"_1826":5380,"_1827":5381,"_1829":3026,"_1779":5382,"_1835":1836},{"_1798":5376},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5378},{"_13":1800,"_1801":1818,"_1803":1934},"2025-12-04T10:53:56.846Z","2026-05-16T13:18:04.970Z","2025-12-04T10:55:14.779Z",{"_1798":5383},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5385,"_1943":5386,"_49":5387,"_1840":1841},"Platinum - business loans - FAQ 11","Can I apply for a business loan if my company isn’t profitable yet?",{"_1948":5388,"_49":5389,"_1946":1947},{},[5390],{"_1948":5391,"_49":5392,"_1946":1952},{},[5393],{"_1948":5394,"_1959":5395,"_1957":5396,"_1946":1956},{},[],"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":5398,"_1798":5401,"_1837":5411},{"_1795":5399,"_1805":5400},[],[],{"_1808":5402,"_13":1813,"_1803":5095,"_1815":5404,"_1820":4726,"_1822":5406,"_1824":5407,"_1826":5407,"_1827":5408,"_1829":5071,"_1779":5409,"_1835":1836},{"_1798":5403},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5405},{"_13":1800,"_1801":1818,"_1803":2361},"2023-05-16T13:41:35.456Z","2026-04-29T09:42:14.753Z","2023-05-16T13:46:08.265Z",{"_1798":5410},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5093,"_1840":1841,"_1989":5412,"_2372":5413,"_2447":1786},"card-carousel",{"_1943":5414,"_5415":59,"_5416":5417,"_5418":5419},"How to compare business bank accounts","showSubHeader","subHeaderContent","When comparing business accounts, consider the following factors:","cards",[5420,5427,5430,5434,5438],{"_5421":1943,"_1943":5422,"_5423":5424,"_5425":5422,"_2048":5426},"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",{"_5421":1943,"_1943":5428,"_5423":5429,"_5425":5428,"_2048":4626},"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.",{"_5421":1943,"_1943":5431,"_5423":5432,"_5425":5433,"_2048":5121},"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",{"_5421":1943,"_1943":5435,"_5423":5436,"_5425":5435,"_2048":5437},"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",{"_5421":1943,"_1943":5439,"_5423":5440,"_5425":5439,"_2048":5441},"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":5443,"_1798":5446,"_1837":5458},{"_1795":5444,"_1805":5445},[],[],{"_1808":5447,"_13":1813,"_1803":3756,"_1815":5449,"_1820":5451,"_1822":5452,"_1824":5453,"_1826":5453,"_1827":5454,"_1829":5455,"_1779":5456,"_1835":1836},{"_1798":5448},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5450},{"_13":1800,"_1801":1818,"_1803":2361},74,"2024-06-20T12:28:06.280Z","2026-05-22T12:32:26.635Z","2024-06-20T12:31:59.548Z",91,{"_1798":5457},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5459,"_1840":1841,"_1989":5460,"_2372":5461,"_2447":1786},"About the author - Joe","about-the-author",{"_3525":5462,"_47":4240,"_3512":5463,"_4241":4242},"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":5465,"_1798":5468,"_1837":5479},{"_1795":5466,"_1805":5467},[],[],{"_1808":5469,"_13":1813,"_1803":3764,"_1815":5471,"_1820":2702,"_1822":5473,"_1824":5474,"_1826":5474,"_1827":5475,"_1829":5476,"_1779":5477,"_1835":1836},{"_1798":5470},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5472},{"_13":1800,"_1801":1818,"_1803":3334},"2023-06-15T11:32:49.883Z","2026-04-10T14:54:38.829Z","2023-06-16T10:38:38.238Z",71,{"_1798":5478},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5480,"_1840":1841,"_1943":5102,"_3345":59,"_1989":1990,"_3347":5481},"Platinum - Business - Business Credit Cards - FAQs",[5482,5485,5488,5491,5494,5496,5498,5500,5502,5505,5507],{"_1798":5483},{"_13":1800,"_1801":1813,"_1803":5484},"50yiTEl1DLAS5FcxYlimZx",{"_1798":5486},{"_13":1800,"_1801":1813,"_1803":5487},"47e4BHm7vMQWgGNSKnhKBC",{"_1798":5489},{"_13":1800,"_1801":1813,"_1803":5490},"m63i6Gj55vylUbcr12jVL",{"_1798":5492},{"_13":1800,"_1801":1813,"_1803":5493},"4Zj31SLcUoGj3HIAJV59aL",{"_1798":5495},{"_13":1800,"_1801":1813,"_1803":3920},{"_1798":5497},{"_13":1800,"_1801":1813,"_1803":1924},{"_1798":5499},{"_13":1800,"_1801":1813,"_1803":5308},{"_1798":5501},{"_13":1800,"_1801":1813,"_1803":4075},{"_1798":5503},{"_13":1800,"_1801":1813,"_1803":5504},"7ySEA0ugXQ8hJI1RIegKmn",{"_1798":5506},{"_13":1800,"_1801":1813,"_1803":2796},{"_1798":5508},{"_13":1800,"_1801":1813,"_1803":5509},"7EkmNKHazjGmFcPlhZuVoM","3x9gnXQCMVNkkDix5cFygo",{"_1793":5512,"_1798":5515,"_1837":5524},{"_1795":5513,"_1805":5514},[],[],{"_1808":5516,"_13":1813,"_1803":5510,"_1815":5518,"_1820":2459,"_1822":5520,"_1824":5521,"_1826":5521,"_1827":5521,"_1829":3831,"_1779":5522,"_1835":1836},{"_1798":5517},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5519},{"_13":1800,"_1801":1818,"_1803":1934},"2026-04-16T10:13:53.824Z","2026-04-16T10:15:12.473Z",{"_1798":5523},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5525,"_1943":5525,"_49":5526,"_1840":1841},"How long does it take to apply for a business credit card?",{"_1948":5527,"_49":5528,"_1946":1947},{},[5529],{"_1948":5530,"_49":5531,"_1946":1952},{},[5532],{"_1948":5533,"_1959":5534,"_1957":5535,"_1946":1956},{},[],"The application itself can take as little as 10 minutes if you have all the necessary information to hand. But the approval process may take longer and varies by provider. Some lenders may give an instant decision while others may take a few days to review your application in more detail.","4448z5Vn5vWtli48s745nn",{"_1793":5538,"_1798":5541,"_1837":5552},{"_1795":5539,"_1805":5540},[],[],{"_1808":5542,"_13":1813,"_1803":5536,"_1815":5544,"_1820":4286,"_1822":5546,"_1824":5547,"_1826":5547,"_1827":5548,"_1829":5549,"_1779":5550,"_1835":1836},{"_1798":5543},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5545},{"_13":1800,"_1801":1818,"_1803":1979},"2026-05-15T16:46:10.698Z","2026-05-19T15:22:47.122Z","2026-05-15T17:04:32.101Z",107,{"_1798":5551},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5553,"_1840":1841,"_1989":1990,"_2141":5554,"_49":5570,"_2008":5619},"What are the main types of business loan?",{"_1948":5555,"_49":5556,"_1946":1947},{},[5557,5564],{"_1948":5558,"_49":5559,"_1946":2331},{},[5560],{"_1948":5561,"_1959":5562,"_1957":5563,"_1946":1956},{},[],"Main types of business loan",{"_1948":5565,"_49":5566,"_1946":1952},{},[5567],{"_1948":5568,"_1959":5569,"_1957":9,"_1946":1956},{},[],{"_1948":5571,"_49":5572,"_1946":1947},{},[5573,5580,5613],{"_1948":5574,"_49":5575,"_1946":2013},{},[5576],{"_1948":5577,"_1959":5578,"_1957":5579,"_1946":1956},{},[],"Secured business loan",{"_1948":5581,"_49":5582,"_1946":2824},{},[5583,5593,5603],{"_1948":5584,"_49":5585,"_1946":2828},{},[5586],{"_1948":5587,"_49":5588,"_1946":1952},{},[5589],{"_1948":5590,"_1959":5591,"_1957":5592,"_1946":1956},{},[],"You need to provide assets as security to cover the amount being borrowed. Assets can include property or company shares.",{"_1948":5594,"_49":5595,"_1946":2828},{},[5596],{"_1948":5597,"_49":5598,"_1946":1952},{},[5599],{"_1948":5600,"_1959":5601,"_1957":5602,"_1946":1956},{},[],"Usually most suited if you want to borrow large amounts over a longer period.",{"_1948":5604,"_49":5605,"_1946":2828},{},[5606],{"_1948":5607,"_49":5608,"_1946":1952},{},[5609],{"_1948":5610,"_1959":5611,"_1957":5612,"_1946":1956},{},[],"Interest rates are typically lower than those for unsecured loans.",{"_1948":5614,"_49":5615,"_1946":1952},{},[5616],{"_1948":5617,"_1959":5618,"_1957":9,"_1946":1956},{},[],{"_1946":1947,"_1948":5620,"_49":5621},{},[5622,5629,5662],{"_1946":2013,"_1948":5623,"_49":5624},{},[5625],{"_1946":1956,"_1957":5626,"_1959":5627,"_1948":5628},"Unsecured business loan",[],{},{"_1946":2824,"_1948":5630,"_49":5631},{},[5632,5642,5652],{"_1946":2828,"_1948":5633,"_49":5634},{},[5635],{"_1946":1952,"_1948":5636,"_49":5637},{},[5638],{"_1946":1956,"_1957":5639,"_1959":5640,"_1948":5641},"Your business can borrow money without offering any assets as collateral.",[],{},{"_1946":2828,"_1948":5643,"_49":5644},{},[5645],{"_1946":1952,"_1948":5646,"_49":5647},{},[5648],{"_1946":1956,"_1957":5649,"_1959":5650,"_1948":5651},"If you prefer the funds to be released quickly (sometimes 3-4 days), it could be a better-suited option.",[],{},{"_1946":2828,"_1948":5653,"_49":5654},{},[5655],{"_1946":1952,"_1948":5656,"_49":5657},{},[5658],{"_1946":1956,"_1957":5659,"_1959":5660,"_1948":5661},"Interest rates tend to be higher as lenders take on more risk.",[],{},{"_1946":1952,"_1948":5663,"_49":5664},{},[5665],{"_1946":1956,"_1957":9,"_1959":5666,"_1948":5667},[],{},{"_1793":5669,"_1798":5672,"_1837":5682},{"_1795":5670,"_1805":5671},[],[],{"_1808":5673,"_13":1813,"_1803":4382,"_1815":5675,"_1820":2212,"_1822":5677,"_1824":5678,"_1826":5678,"_1827":5679,"_1829":1980,"_1779":5680,"_1835":1836},{"_1798":5674},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5676},{"_13":1800,"_1801":1818,"_1803":3674},"2020-05-05T13:30:51.959Z","2023-04-20T11:05:53.709Z","2020-05-05T13:37:02.507Z",{"_1798":5681},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":4761,"_1840":1841,"_1943":4761,"_3686":5683,"_3688":1786,"_2116":5684},"We assess business insurance, in a range of helpful guides, to help you find the best policy to help protect your staff, your business and yourself.",[5685,5687,5690,5693],{"_1798":5686},{"_13":1800,"_1801":1813,"_1803":4744},{"_1798":5688},{"_13":1800,"_1801":1813,"_1803":5689},"5Wf2ghSTTSgkV35h7gZGK9",{"_1798":5691},{"_13":1800,"_1801":1813,"_1803":5692},"iSaORWIvvtS70oaUGCM72",{"_1798":5694},{"_13":1800,"_1801":1813,"_1803":5695},"5ElTFNS4uGdsARn6eoWvI2",{"_1793":5697,"_1798":5700,"_1837":5710},{"_1795":5698,"_1805":5699},[],[],{"_1808":5701,"_13":1813,"_1803":3781,"_1815":5703,"_1820":2083,"_1822":5705,"_1824":5706,"_1826":5706,"_1827":5707,"_1829":1938,"_1779":5708,"_1835":1836},{"_1798":5702},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5704},{"_13":1800,"_1801":1818,"_1803":1979},"2026-02-03T17:10:59.828Z","2026-02-17T12:06:38.934Z","2026-02-03T17:12:06.967Z",{"_1798":5709},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5711,"_1840":1841,"_49":5712},"Business CC stat reference ",{"_1948":5713,"_49":5714,"_1946":1947},{},[5715],{"_1948":5716,"_49":5717,"_1946":1952},{},[5718],{"_1948":5719,"_1959":5720,"_1957":5721,"_1946":1956},{},[],"*Based on average application data from trackable providers (22/09/25-03/02/26). Accurate as of 03/02/26.",{"_1793":5723,"_1798":5726,"_1837":5737},{"_1795":5724,"_1805":5725},[],[],{"_1808":5727,"_13":1813,"_1803":5487,"_1815":5729,"_1820":2110,"_1822":5731,"_1824":5732,"_1826":5732,"_1827":5733,"_1829":5734,"_1779":5735,"_1835":1836},{"_1798":5728},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5730},{"_13":1800,"_1801":1818,"_1803":1934},"2023-06-15T11:34:00.981Z","2026-03-24T15:59:52.351Z","2023-06-16T10:37:41.312Z",54,{"_1798":5736},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5738,"_1943":5739,"_49":5740,"_1840":1841},"Platinum - Business - Business Credit Cards - Is my credit","Is my credit record checked for a business credit card?",{"_1946":1947,"_1948":5741,"_49":5742},{},[5743,5762,5769,5788],{"_1946":1952,"_1948":5744,"_49":5745},{},[5746,5750,5758],{"_1946":1956,"_1957":5747,"_1959":5748,"_1948":5749},"Yes, when you apply for a business credit card, credit card providers will typically assess both your ",[],{},{"_1946":2292,"_1948":5751,"_49":5753},{"_2283":5752},"https://www.money.co.uk/business/credit-reports/business-credit-scores-explained",[5754],{"_1946":1956,"_1957":5755,"_1959":5756,"_1948":5757},"business's credit record",[],{},{"_1946":1956,"_1957":5759,"_1959":5760,"_1948":5761}," and your company’s overall financial health. 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A strong idea, a clear customer need and a practical plan can help you move from a plan in practice to your very first sale. 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Try to ensure that your product or service solves a problem, and ",[],{},{"_1946":2292,"_1948":7650,"_49":7652},{"_2283":7651},"/business/guides/how-to-validate-a-business-idea",[7653],{"_1946":1956,"_1957":7654,"_1959":7655,"_1948":7657},"validate your idea",[7656],{"_13":2290},{},{"_1946":1956,"_1957":7659,"_1959":7660,"_1948":7661}," to gain confidence before moving forward",[],{},{"_1946":1952,"_1948":7663,"_49":7664},{},[7665,7669,7678],{"_1946":1956,"_1957":7666,"_1959":7667,"_1948":7668},"If you're considering an online business, check out our step-by-step guide on ",[],{},{"_1946":2292,"_1948":7670,"_49":7672},{"_2283":7671},"/business/guides/how-to-start-an-online-business",[7673],{"_1946":1956,"_1957":7674,"_1959":7675,"_1948":7677},"how to start an online business",[7676],{"_13":2290},{},{"_1946":1956,"_1957":2513,"_1959":7679,"_1948":7680},[],{},{"_1946":2001,"_1948":7682,"_49":7685},{"_1996":7683},{"_1798":7684},{"_1803":6456,"_13":1800,"_1801":1813},[],{"_1946":2013,"_1948":7687,"_49":7688},{},[7689],{"_1946":1956,"_1957":7690,"_1959":7691,"_1948":7692},"2. 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Consider their disposable income and determine whether you can charge enough to cover your time and make a profit.",[],{},{"_1946":2013,"_1948":7727,"_49":7728},{},[7729],{"_1946":1956,"_1957":7730,"_1959":7731,"_1948":7732},"3. Check out the competition",[],{},{"_1946":1952,"_1948":7734,"_49":7735},{},[7736],{"_1946":1956,"_1957":7737,"_1959":7738,"_1948":7739},"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. ",[],{},{"_1946":1952,"_1948":7741,"_49":7742},{},[7743],{"_1946":1956,"_1957":7744,"_1959":7745,"_1948":7746},"You might be able to achieve this with cheaper pricing, improvements in quality, better customer service or a new twist or innovation.",[],{},{"_1946":2013,"_1948":7748,"_49":7749},{},[7750],{"_1946":1956,"_1957":7751,"_1959":7752,"_1948":7753},"4. 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Create a business plan",[],{},{"_1946":1952,"_1948":7797,"_49":7798},{},[7799,7803,7812],{"_1946":1956,"_1957":7800,"_1959":7801,"_1948":7802},"Use all this research to ",[],{},{"_1946":2292,"_1948":7804,"_49":7806},{"_2283":7805},"/business/guides/how-to-write-a-business-plan",[7807],{"_1946":1956,"_1957":7808,"_1959":7809,"_1948":7811},"create a proper business plan",[7810],{"_13":2290},{},{"_1946":1956,"_1957":7813,"_1959":7814,"_1948":7815},": 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.",[],{},{"_1946":1952,"_1948":7817,"_49":7818},{},[7819,7823,7832],{"_1946":1956,"_1957":7820,"_1959":7821,"_1948":7822},"All business plans need to contain ",[],{},{"_1946":2292,"_1948":7824,"_49":7826},{"_2283":7825},"/business/guides/key-business-plan-sections",[7827],{"_1946":1956,"_1957":7828,"_1959":7829,"_1948":7831},"several key sections",[7830],{"_13":2290},{},{"_1946":1956,"_1957":7833,"_1959":7834,"_1948":7835},", including: ",[],{},{"_1946":2824,"_1948":7837,"_49":7838},{},[7839,7873,7888,7903,7918,7933,7948,7963,7978,7993],{"_1946":2828,"_1948":7840,"_49":7841},{},[7842],{"_1946":1952,"_1948":7843,"_49":7844},{},[7845,7850,7855,7865,7869],{"_1946":1956,"_1957":7846,"_1959":7847,"_1948":7849},"A",[7848],{"_13":2838},{},{"_1946":1956,"_1957":7851,"_1959":7852,"_1948":7854},"n ",[7853],{"_13":2838},{},{"_1946":2292,"_1948":7856,"_49":7858},{"_2283":7857},"/business/guides/business-plan-executive-summary",[7859],{"_1946":1956,"_1957":7860,"_1959":7861,"_1948":7864},"executive summary",[7862,7863],{"_13":2290},{"_13":2838},{},{"_1946":1956,"_1957":2895,"_1959":7866,"_1948":7868},[7867],{"_13":2838},{},{"_1946":1956,"_1957":7870,"_1959":7871,"_1948":7872},"- think of this as your elevator pitch",[],{},{"_1946":2828,"_1948":7874,"_49":7875},{},[7876],{"_1946":1952,"_1948":7877,"_49":7878},{},[7879,7884],{"_1946":1956,"_1957":7880,"_1959":7881,"_1948":7883},"Company information",[7882],{"_13":2838},{},{"_1946":1956,"_1957":7885,"_1959":7886,"_1948":7887}," - what's your business? How is it structured?",[],{},{"_1946":2828,"_1948":7889,"_49":7890},{},[7891],{"_1946":1952,"_1948":7892,"_49":7893},{},[7894,7899],{"_1946":1956,"_1957":7895,"_1959":7896,"_1948":7898},"Owner information",[7897],{"_13":2838},{},{"_1946":1956,"_1957":7900,"_1959":7901,"_1948":7902}," - information about you, your partners and anyone else that makes up the ownership of the business ",[],{},{"_1946":2828,"_1948":7904,"_49":7905},{},[7906],{"_1946":1952,"_1948":7907,"_49":7908},{},[7909,7914],{"_1946":1956,"_1957":7910,"_1959":7911,"_1948":7913},"Market research",[7912],{"_13":2838},{},{"_1946":1956,"_1957":7915,"_1959":7916,"_1948":7917}," - who are your customers, what do they need and what does the wider market look like?",[],{},{"_1946":2828,"_1948":7919,"_49":7920},{},[7921],{"_1946":1952,"_1948":7922,"_49":7923},{},[7924,7929],{"_1946":1956,"_1957":7925,"_1959":7926,"_1948":7928},"Marketing strategies",[7927],{"_13":2838},{},{"_1946":1956,"_1957":7930,"_1959":7931,"_1948":7932}," - how will you promote your business and attract customers?",[],{},{"_1946":2828,"_1948":7934,"_49":7935},{},[7936],{"_1946":1952,"_1948":7937,"_49":7938},{},[7939,7944],{"_1946":1956,"_1957":7940,"_1959":7941,"_1948":7943},"Competitor analysis",[7942],{"_13":2838},{},{"_1946":1956,"_1957":7945,"_1959":7946,"_1948":7947}," - who else serves your market and how will your business stand out?",[],{},{"_1946":2828,"_1948":7949,"_49":7950},{},[7951],{"_1946":1952,"_1948":7952,"_49":7953},{},[7954,7959],{"_1946":1956,"_1957":7955,"_1959":7956,"_1948":7958},"Product and service design",[7957],{"_13":2838},{},{"_1946":1956,"_1957":7960,"_1959":7961,"_1948":7962}," - what will you sell, how will it work and why will customers value it?",[],{},{"_1946":2828,"_1948":7964,"_49":7965},{},[7966],{"_1946":1952,"_1948":7967,"_49":7968},{},[7969,7974],{"_1946":1956,"_1957":7970,"_1959":7971,"_1948":7973},"Development plans",[7972],{"_13":2838},{},{"_1946":1956,"_1957":7975,"_1959":7976,"_1948":7977}," - how do you plan to launch and grow the business over time?",[],{},{"_1946":2828,"_1948":7979,"_49":7980},{},[7981],{"_1946":1952,"_1948":7982,"_49":7983},{},[7984,7989],{"_1946":1956,"_1957":7985,"_1959":7986,"_1948":7988},"Operations and logistics plans",[7987],{"_13":2838},{},{"_1946":1956,"_1957":7990,"_1959":7991,"_1948":7992}," - how will the business run day to day - from suppliers and stock to delivery and customer service?",[],{},{"_1946":2828,"_1948":7994,"_49":7995},{},[7996],{"_1946":1952,"_1948":7997,"_49":7998},{},[7999,8003,8013,8017],{"_1946":1956,"_1957":9,"_1959":8000,"_1948":8002},[8001],{"_13":2838},{},{"_1946":2292,"_1948":8004,"_49":8006},{"_2283":8005},"/business/guides/business-plan-financial-projections",[8007],{"_1946":1956,"_1957":8008,"_1959":8009,"_1948":8012},"Financial information",[8010,8011],{"_13":2290},{"_13":2838},{},{"_1946":1956,"_1957":2895,"_1959":8014,"_1948":8016},[8015],{"_13":2838},{},{"_1946":1956,"_1957":8018,"_1959":8019,"_1948":8020},"- including start up costs and pricing, to day-to-day operations",[],{},{"_1946":1952,"_1948":8022,"_49":8023},{},[8024,8028,8037],{"_1946":1956,"_1957":8025,"_1959":8026,"_1948":8027},"The Prince's Trust has a helpful ",[],{},{"_1946":2292,"_1948":8029,"_49":8031},{"_2283":8030},"https://www.princes-trust.org.uk/how-we-can-help/tools-resources/business-tools/business-plans",[8032],{"_1946":1956,"_1957":8033,"_1959":8034,"_1948":8036},"template",[8035],{"_13":2290},{},{"_1946":1956,"_1957":8038,"_1959":8039,"_1948":8040}," to get you started.",[],{},{"_1946":2331,"_1948":8042,"_49":8043},{},[8044],{"_1946":1956,"_1957":8045,"_1959":8046,"_1948":8047},"How to name your business",[],{},{"_1946":1952,"_1948":8049,"_49":8050},{},[8051],{"_1946":1956,"_1957":8052,"_1959":8053,"_1948":8054},"Now you have a plan, it's time to get creative. ",[],{},{"_1946":1952,"_1948":8056,"_49":8057},{},[8058],{"_1946":1956,"_1957":8059,"_1959":8060,"_1948":8061},"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.",[],{},{"_1946":1952,"_1948":8063,"_49":8064},{},[8065],{"_1946":1956,"_1957":8066,"_1959":8067,"_1948":8068},"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. ",[],{},{"_1946":1952,"_1948":8070,"_49":8071},{},[8072,8076,8085],{"_1946":1956,"_1957":8073,"_1959":8074,"_1948":8075},"Trademarking will prevent other businesses from stealing your intellectual property, including slogans, brand names, logos, etc. To find out more, read our ",[],{},{"_1946":2292,"_1948":8077,"_49":8079},{"_2283":8078},"/business/guides/how-to-register-a-trademark",[8080],{"_1946":1956,"_1957":8081,"_1959":8082,"_1948":8084},"guide to trademarking",[8083],{"_13":2290},{},{"_1946":1956,"_1957":2513,"_1959":8086,"_1948":8087},[],{},{"_1946":8089,"_1948":8090,"_49":8091},"blockquote",{},[8092],{"_1946":1952,"_1948":8093,"_49":8094},{},[8095,8100,8108],{"_1946":1956,"_1957":8096,"_1959":8097,"_1948":8099},"Case study: ",[8098],{"_13":2838},{},{"_1946":2292,"_1948":8101,"_49":8103},{"_2283":8102},"/business/case-studies/hay-events",[8104],{"_1946":1956,"_1957":8105,"_1959":8106,"_1948":8107},"Meet Tinique: the events expert who turned a ‘lightbulb moment’ into a successful business",[],{},{"_1946":1956,"_1957":9,"_1959":8109,"_1948":8110},[],{},{"_1946":2331,"_1948":8112,"_49":8113},{},[8114],{"_1946":1956,"_1957":8115,"_1959":8116,"_1948":8117},"How to register a business",[],{},{"_1946":1952,"_1948":8119,"_49":8120},{},[8121],{"_1946":1956,"_1957":8122,"_1959":8123,"_1948":8124},"Once you've decided which type of company to set up and you have a name, you'll need to register it. ",[],{},{"_1946":1952,"_1948":8126,"_49":8127},{},[8128],{"_1946":1956,"_1957":8129,"_1959":8130,"_1948":8131},"The process differs depending on the type of company structure you choose. There are three main options: ",[],{},{"_1946":2824,"_1948":8133,"_49":8134},{},[8135,8149,8159],{"_1946":2828,"_1948":8136,"_49":8137},{},[8138],{"_1946":1952,"_1948":8139,"_49":8140},{},[8141,8145],{"_1946":1956,"_1957":8142,"_1959":8143,"_1948":8144},"S",[],{},{"_1946":1956,"_1957":8146,"_1959":8147,"_1948":8148},"ole trader",[],{},{"_1946":2828,"_1948":8150,"_49":8151},{},[8152],{"_1946":1952,"_1948":8153,"_49":8154},{},[8155],{"_1946":1956,"_1957":8156,"_1959":8157,"_1948":8158},"Limited company",[],{},{"_1946":2828,"_1948":8160,"_49":8161},{},[8162],{"_1946":1952,"_1948":8163,"_49":8164},{},[8165,8169],{"_1946":1956,"_1957":8166,"_1959":8167,"_1948":8168},"L",[],{},{"_1946":1956,"_1957":8170,"_1959":8171,"_1948":8172},"imited liability partnership. ",[],{},{"_1946":1952,"_1948":8174,"_49":8175},{},[8176,8180,8189],{"_1946":1956,"_1957":8177,"_1959":8178,"_1948":8179},"Read our ",[],{},{"_1946":2292,"_1948":8181,"_49":8183},{"_2283":8182},"/business/guides/sole-trader-vs-limited-company",[8184],{"_1946":1956,"_1957":8185,"_1959":8186,"_1948":8188},"Sole trader vs limited company guide",[8187],{"_13":2290},{},{"_1946":1956,"_1957":8190,"_1959":8191,"_1948":8192}," to find out which is right for you and the first steps to take to get started.",[],{},{"_1946":2331,"_1948":8194,"_49":8195},{},[8196],{"_1946":1956,"_1957":8197,"_1959":8198,"_1948":8199},"How much does it cost to start a business?",[],{},{"_1946":1952,"_1948":8201,"_49":8202},{},[8203,8206,8214],{"_1946":1956,"_1957":9,"_1959":8204,"_1948":8205},[],{},{"_1946":2292,"_1948":8207,"_49":8209},{"_2283":8208},"/business/guides/startup-costs",[8210],{"_1946":1956,"_1957":8211,"_1959":8212,"_1948":8213},"The cost of setting up a business",[],{},{"_1946":1956,"_1957":8215,"_1959":8216,"_1948":8217}," varies greatly depending on your industry, the type of business you want to start, and what you need to get started. ",[],{},{"_1946":1952,"_1948":8219,"_49":8220},{},[8221],{"_1946":1956,"_1957":8222,"_1959":8223,"_1948":8224},"Many businesses require nothing more than a computer and a wi-fi connection, such as freelance writing, bookkeeping or being an e-book novelist. ",[],{},{"_1946":1952,"_1948":8226,"_49":8227},{},[8228],{"_1946":1956,"_1957":8229,"_1959":8230,"_1948":8231},"Some jobs require some goods or materials to get started, such as wool for a knitting business or supplies for a cleaning business. ",[],{},{"_1946":1952,"_1948":8233,"_49":8234},{},[8235],{"_1946":1956,"_1957":8236,"_1959":8237,"_1948":8238},"Some enterprises have much larger overheads, such as offices, factories or heavy equipment.",[],{},{"_1946":1952,"_1948":8240,"_49":8241},{},[8242,8246,8253],{"_1946":1956,"_1957":8243,"_1959":8244,"_1948":8245},"Many entrepreneurs either self-fund their new business or ",[],{},{"_1946":2292,"_1948":8247,"_49":8248},{"_2283":286},[8249],{"_1946":1956,"_1957":8250,"_1959":8251,"_1948":8252},"seek investment",[],{},{"_1946":1956,"_1957":8254,"_1959":8255,"_1948":8256}," from friends and family. However, if additional start-up capital is required, numerous options are available. Most fall into three categories: ",[],{},{"_1946":2824,"_1948":8258,"_49":8259},{},[8260,8270,8280],{"_1946":2828,"_1948":8261,"_49":8262},{},[8263],{"_1946":1952,"_1948":8264,"_49":8265},{},[8266],{"_1946":1956,"_1957":8267,"_1959":8268,"_1948":8269},"Loans that require repayment",[],{},{"_1946":2828,"_1948":8271,"_49":8272},{},[8273],{"_1946":1952,"_1948":8274,"_49":8275},{},[8276],{"_1946":1956,"_1957":8277,"_1959":8278,"_1948":8279},"Grants that do not",[],{},{"_1946":2828,"_1948":8281,"_49":8282},{},[8283],{"_1946":1952,"_1948":8284,"_49":8285},{},[8286],{"_1946":1956,"_1957":8287,"_1959":8288,"_1948":8289},"Funding from investors in exchange for equity",[],{},{"_1946":1952,"_1948":8291,"_49":8292},{},[8293,8296,8305],{"_1946":1956,"_1957":9,"_1959":8294,"_1948":8295},[],{},{"_1946":2292,"_1948":8297,"_49":8299},{"_2283":8298},"/business/guides/how-to-get-funding-for-a-business",[8300],{"_1946":1956,"_1957":8301,"_1959":8302,"_1948":8304},"Read our in-depth guide to business funding options to learn more",[8303],{"_13":2290},{},{"_1946":1956,"_1957":9,"_1959":8306,"_1948":8307},[],{},{"_1946":2331,"_1948":8309,"_49":8310},{},[8311],{"_1946":1956,"_1957":8312,"_1959":8313,"_1948":8314},"Tax",[],{},{"_1946":1952,"_1948":8316,"_49":8317},{},[8318],{"_1946":1956,"_1957":8319,"_1959":8320,"_1948":8321},"Taxes and finances are a huge part of running your own business. Self-employed individuals must complete a personal tax return each year. ",[],{},{"_1946":1952,"_1948":8323,"_49":8324},{},[8325,8329,8337],{"_1946":1956,"_1957":8326,"_1959":8327,"_1948":8328},"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, ",[],{},{"_1946":2292,"_1948":8330,"_49":8332},{"_2283":8331},"/business/guides/vat-explained",[8333],{"_1946":1956,"_1957":8334,"_1959":8335,"_1948":8336},"VAT registration",[],{},{"_1946":1956,"_1957":8338,"_1959":8339,"_1948":8340},", corporation tax, workplace pensions and more.",[],{},{"_1946":1952,"_1948":8342,"_49":8343},{},[8344,8348,8356],{"_1946":1956,"_1957":8345,"_1959":8346,"_1948":8347},"You should also keep comprehensive records, including all your sales and expenses receipts. Hiring an accountant will cost money, but they can help you ",[],{},{"_1946":2292,"_1948":8349,"_49":8351},{"_2283":8350},"/business/guides/small-business-tax-relief",[8352],{"_1946":1956,"_1957":8353,"_1959":8354,"_1948":8355},"navigate all your responsibilities",[],{},{"_1946":1956,"_1957":8357,"_1959":8358,"_1948":8359}," and ensure that you comply with UK legislation. ",[],{},{"_1946":1952,"_1948":8361,"_49":8362},{},[8363,8367,8375],{"_1946":1956,"_1957":8364,"_1959":8365,"_1948":8366},"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 ",[],{},{"_1946":2292,"_1948":8368,"_49":8370},{"_2283":8369},"/business/making-tax-digital",[8371],{"_1946":1956,"_1957":8372,"_1959":8373,"_1948":8374},"here",[],{},{"_1946":1956,"_1957":8376,"_1959":8377,"_1948":8378},". 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You can also use a business bank to arrange finance, such as a business credit card or overdraft.",[],{},{"_1946":2013,"_1948":8433,"_49":8434},{},[8435],{"_1946":1956,"_1957":8436,"_1959":8437,"_1948":8438},"Insurance",[],{},{"_1946":1952,"_1948":8440,"_49":8441},{},[8442],{"_1946":1956,"_1957":8443,"_1959":8444,"_1948":8445},"Insurance is another critical area to consider. There are plenty of different types, and while they don’t tend to be compulsory, they’re usually well worth having. 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",[],{},{"_1946":1952,"_1948":9361,"_49":9362},{},[9363],{"_1946":1956,"_1957":9364,"_1959":9365,"_1948":9366},"The amount your business can borrow will depend on a range of factors, including: ",[],{},{"_1946":2824,"_1948":9368,"_49":9369},{},[9370,9380,9390],{"_1946":2828,"_1948":9371,"_49":9372},{},[9373],{"_1946":1952,"_1948":9374,"_49":9375},{},[9376],{"_1946":1956,"_1957":9377,"_1959":9378,"_1948":9379},"Your business credit history",[],{},{"_1946":2828,"_1948":9381,"_49":9382},{},[9383],{"_1946":1952,"_1948":9384,"_49":9385},{},[9386],{"_1946":1956,"_1957":9387,"_1959":9388,"_1948":9389},"Business turnover ",[],{},{"_1946":2828,"_1948":9391,"_49":9392},{},[9393],{"_1946":1952,"_1948":9394,"_49":9395},{},[9396],{"_1946":1956,"_1957":9397,"_1959":9398,"_1948":9399},"Length of loan",[],{},{"_1946":1952,"_1948":9401,"_49":9402},{},[9403],{"_1946":1956,"_1957":9404,"_1959":9405,"_1948":9406},"For smaller businesses, lenders will typically offer loans worth up to £500,000. ",[],{},{"_1946":1952,"_1948":9408,"_49":9409},{},[9410],{"_1946":1956,"_1957":9411,"_1959":9412,"_1948":9413},"Larger businesses with higher turnover are generally more likely to be accepted for loans over £1 million, but this varies depending on the lender and the business’s eligibility.",[],{},{"_1946":2001,"_1948":9415,"_49":9419},{"_1996":9416},{"_1798":9417},{"_1803":9418,"_13":1800,"_1801":1813},"7tKpJDd821BsPqlRnlCPY8",[],{"_1946":2013,"_1948":9421,"_49":9422},{},[9423],{"_1946":1956,"_1957":9,"_1959":9424,"_1948":9425},[],{},{"_1946":2013,"_1948":9427,"_49":9428},{},[9429],{"_1946":1956,"_1957":9430,"_1959":9431,"_1948":9432},"Potential repayments:",[],{},{"_1946":1952,"_1948":9434,"_49":9435},{},[9436],{"_1946":1956,"_1957":9437,"_1959":9438,"_1948":9439},"Below are three examples² of how much business loans could cost with different terms and rates:\n",[],{},{"_1946":2001,"_1948":9441,"_49":9445},{"_1996":9442},{"_1798":9443},{"_1803":9444,"_13":1800,"_1801":1813},"7CIlCIBfQ8UtN9vTm5wEsb",[],{"_1946":1952,"_1948":9447,"_49":9448},{},[9449,9453,9460],{"_1946":1956,"_1957":9450,"_1959":9451,"_1948":9452},"Use our ",[],{},{"_1946":2292,"_1948":9454,"_49":9455},{"_2283":4421},[9456],{"_1946":1956,"_1957":9457,"_1959":9458,"_1948":9459},"loan calculator",[],{},{"_1946":1956,"_1957":9461,"_1959":9462,"_1948":9463}," to find out how much a business loan could cost you each month.",[],{},{"_1793":9465,"_1798":9468,"_1837":9478},{"_1795":9466,"_1805":9467},[],[],{"_1808":9469,"_13":1813,"_1803":6271,"_1815":9471,"_1820":2083,"_1822":9473,"_1824":9474,"_1826":9474,"_1827":9475,"_1829":2216,"_1779":9476,"_1835":1836},{"_1798":9470},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9472},{"_13":1800,"_1801":1818,"_1803":2131},"2026-04-20T10:37:42.819Z","2026-04-24T16:59:23.252Z","2026-04-21T09:21:31.276Z",{"_1798":9477},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":9479,"_1840":1841,"_2141":9480,"_2169":2170,"_2171":9507,"_2179":59,"_2180":16,"_2181":222},"Business loans - forced journey - billboard (shared module) - FSPLT-1516",{"_1948":9481,"_49":9482,"_1946":1947},{},[9483,9489,9495,9501],{"_1948":9484,"_49":9485,"_1946":1952},{},[9486],{"_1948":9487,"_1959":9488,"_1957":9,"_1946":1956},{},[],{"_1948":9490,"_49":9491,"_1946":1952},{},[9492],{"_1948":9493,"_1959":9494,"_1957":9,"_1946":1956},{},[],{"_1948":9496,"_49":9497,"_1946":1952},{},[9498],{"_1948":9499,"_1959":9500,"_1957":9,"_1946":1956},{},[],{"_1948":9502,"_49":9503,"_1946":1952},{},[9504],{"_1948":9505,"_1959":9506,"_1957":9,"_1946":1956},{},[],[9508,9510],{"_1798":9509},{"_13":1800,"_1801":1813,"_1803":2752},{"_1798":9511},{"_13":1800,"_1801":1813,"_1803":2178},"66k2aBl8cuBUz3t5eqq7cl",{"_1793":9514,"_1798":9517,"_1837":9528},{"_1795":9515,"_1805":9516},[],[],{"_1808":9518,"_13":1813,"_1803":9512,"_1815":9520,"_1820":4286,"_1822":9522,"_1824":9523,"_1826":9524,"_1827":9525,"_1829":5476,"_1779":9526,"_1835":1836},{"_1798":9519},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9521},{"_13":1800,"_1801":1818,"_1803":2361},"2026-02-03T15:07:10.896Z","2026-05-19T13:16:03.310Z","2026-04-20T15:16:57.610Z","2026-02-03T16:02:07.348Z",{"_1798":9527},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":9529,"_1840":1841,"_1989":6928,"_2372":9530,"_2447":1786,"_49":9536},"Business credit cards call out card",{"_6062":9531,"_6933":6934,"_147":9533,"_2141":9081,"_1989":9,"_6939":6940},{"_1956":9532,"_6932":59,"_1989":5949},"🎯 Built for your business needs",{"_34":9534,"_1956":9535},"https://www.money.co.uk/business/business-credit-cards/results","View deals",{"_1946":1947,"_1948":9537,"_49":9538},{},[9539,9572],{"_1946":2824,"_1948":9540,"_49":9541},{},[9542,9552,9562],{"_1946":2828,"_1948":9543,"_49":9544},{},[9545],{"_1946":1952,"_1948":9546,"_49":9547},{},[9548],{"_1946":1956,"_1957":9549,"_1959":9550,"_1948":9551},"Explore offers from multiple providers",[],{},{"_1946":2828,"_1948":9553,"_49":9554},{},[9555],{"_1946":1952,"_1948":9556,"_49":9557},{},[9558],{"_1946":1956,"_1957":9559,"_1959":9560,"_1948":9561},"Compare APR, fees and features at a glance",[],{},{"_1946":2828,"_1948":9563,"_49":9564},{},[9565],{"_1946":1952,"_1948":9566,"_49":9567},{},[9568],{"_1946":1956,"_1957":9569,"_1959":9570,"_1948":9571},"Choose a card that suits your business needs",[],{},{"_1946":1952,"_1948":9573,"_49":9574},{},[9575],{"_1946":1956,"_1957":9,"_1959":9576,"_1948":9577},[],{},"67SUNvendN9aJMzxnWB6If",{"_1793":9580,"_1798":9583,"_1837":9593},{"_1795":9581,"_1805":9582},[],[],{"_1808":9584,"_13":1813,"_1803":9578,"_1815":9586,"_1820":1980,"_1822":9588,"_1824":9589,"_1826":9589,"_1827":9590,"_1829":9107,"_1779":9591,"_1835":1836},{"_1798":9585},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9587},{"_13":1800,"_1801":1818,"_1803":1934},"2025-09-25T14:54:21.993Z","2026-05-16T13:18:04.953Z","2025-09-25T14:54:52.988Z",{"_1798":9592},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":9594,"_1943":9595,"_49":9596,"_1840":1841},"Platinum - business loans - FAQ 10","Can I use a business loan for any business purpose?",{"_1948":9597,"_49":9598,"_1946":1947},{},[9599,9606,9625],{"_1948":9600,"_49":9601,"_1946":1952},{},[9602],{"_1948":9603,"_1959":9604,"_1957":9605,"_1946":1956},{},[],"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. ",{"_1948":9607,"_49":9608,"_1946":1952},{},[9609,9613,9621],{"_1948":9610,"_1959":9611,"_1957":9612,"_1946":1956},{},[],"For example, equipment financing must be used specifically to buy equipment, commercial mortgages are limited to purchasing or refinancing property, and ",{"_1948":9614,"_49":9616,"_1946":2292},{"_2283":9615},"https://www.money.co.uk/business/business-loans/invoice-finance",[9617],{"_1948":9618,"_1959":9619,"_1957":9620,"_1946":1956},{},[],"invoice financing",{"_1948":9622,"_1959":9623,"_1957":9624,"_1946":1956},{},[]," 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. ",{"_1948":9626,"_49":9627,"_1946":1952},{},[9628],{"_1948":9629,"_1959":9630,"_1957":9631,"_1946":1956},{},[],"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":9633,"_1798":9636,"_1837":9646},{"_1795":9634,"_1805":9635},[],[],{"_1808":9637,"_13":1813,"_1803":5099,"_1815":9639,"_1820":3026,"_1822":9641,"_1824":9642,"_1826":9642,"_1827":9643,"_1829":4228,"_1779":9644,"_1835":1836},{"_1798":9638},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9640},{"_13":1800,"_1801":1818,"_1803":1979},"2025-02-11T13:22:52.451Z","2026-04-29T09:42:14.783Z","2025-02-11T18:10:21.064Z",{"_1798":9645},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5097,"_1840":1841,"_1989":1990,"_2141":9647,"_49":9663},{"_1948":9648,"_49":9649,"_1946":1947},{},[9650,9657],{"_1948":9651,"_49":9652,"_1946":2331},{},[9653],{"_1948":9654,"_1959":9655,"_1957":9656,"_1946":1956},{},[],"What do you need to open a business bank account?",{"_1948":9658,"_49":9659,"_1946":1952},{},[9660],{"_1948":9661,"_1959":9662,"_1957":9,"_1946":1956},{},[],{"_1946":1947,"_1948":9664,"_49":9665},{},[9666,9673,9735],{"_1946":1952,"_1948":9667,"_49":9668},{},[9669],{"_1946":1956,"_1957":9670,"_1959":9671,"_1948":9672},"Most providers will ask for the following before your account can be opened:",[],{},{"_1946":2824,"_1948":9674,"_49":9675},{},[9676,9691,9706,9721],{"_1946":2828,"_1948":9677,"_49":9678},{},[9679],{"_1946":1952,"_1948":9680,"_49":9681},{},[9682,9687],{"_1946":1956,"_1957":9683,"_1959":9684,"_1948":9686},"Proof of identity",[9685],{"_13":2838},{},{"_1946":1956,"_1957":9688,"_1959":9689,"_1948":9690}," - a valid passport, driving licence, or national ID card",[],{},{"_1946":2828,"_1948":9692,"_49":9693},{},[9694],{"_1946":1952,"_1948":9695,"_49":9696},{},[9697,9702],{"_1946":1956,"_1957":9698,"_1959":9699,"_1948":9701},"Proof of address",[9700],{"_13":2838},{},{"_1946":1956,"_1957":9703,"_1959":9704,"_1948":9705}," - a utility bill, mortgage statement, or council tax bill dated within the last three months",[],{},{"_1946":2828,"_1948":9707,"_49":9708},{},[9709],{"_1946":1952,"_1948":9710,"_49":9711},{},[9712,9717],{"_1946":1956,"_1957":9713,"_1959":9714,"_1948":9716},"Business documentation",[9715],{"_13":2838},{},{"_1946":1956,"_1957":9718,"_1959":9719,"_1948":9720}," - a registration certificate and articles of association for limited companies; a partnership agreement if applicable",[],{},{"_1946":2828,"_1948":9722,"_49":9723},{},[9724],{"_1946":1952,"_1948":9725,"_49":9726},{},[9727,9731],{"_1946":1956,"_1957":8008,"_1959":9728,"_1948":9730},[9729],{"_13":2838},{},{"_1946":1956,"_1957":9732,"_1959":9733,"_1948":9734}," - details of personal and business income, assets, and liabilities",[],{},{"_1946":1952,"_1948":9736,"_49":9737},{},[9738],{"_1946":1956,"_1957":9739,"_1959":9740,"_1948":9741},"Most providers let you apply online in minutes, though approval times vary; anywhere from instant to a few days depending on the provider.",[],{},{"_1793":9743,"_1798":9746,"_1837":9756},{"_1795":9744,"_1805":9745},[],[],{"_1808":9747,"_13":1813,"_1803":2240,"_1815":9749,"_1820":2110,"_1822":9751,"_1824":9752,"_1826":9752,"_1827":9753,"_1829":3967,"_1779":9754,"_1835":1836},{"_1798":9748},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9750},{"_13":1800,"_1801":1818,"_1803":2990},"2023-11-02T15:38:56.139Z","2025-12-02T09:45:08.783Z","2023-11-02T16:14:43.099Z",{"_1798":9755},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":9757,"_1840":1841,"_2998":2999,"_1819":9758,"_5970":9759,"_3001":9760,"_3005":9763},"Kyle Eaton","/authors/kyle-eaton","https://www.linkedin.com/in/kyle-eaton-a24b32119",{"_1798":9761},{"_13":1800,"_1801":2051,"_1803":9762},"7kDDkLUSydi6zXVfy24vL7",{"_1948":9764,"_49":9765,"_1946":1947},{},[9766],{"_1948":9767,"_49":9768,"_1946":1952},{},[9769],{"_1948":9770,"_1959":9771,"_1957":9772,"_1946":1956},{},[],"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":9774,"_1798":9777,"_1837":9787},{"_1795":9775,"_1805":9776},[],[],{"_1808":9778,"_13":1813,"_1803":9195,"_1815":9780,"_1820":1984,"_1822":9782,"_1824":9783,"_1826":9783,"_1827":9784,"_1829":2808,"_1779":9785,"_1835":1836},{"_1798":9779},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9781},{"_13":1800,"_1801":1818,"_1803":2361},"2025-07-17T14:35:22.912Z","2026-05-16T13:18:03.986Z","2025-07-17T14:39:18.747Z",{"_1798":9786},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":9788,"_1840":1841,"_1989":9789,"_2372":9790,"_2447":1786},"government-backed Start Up Loans","stat-snippet",{"_1943":9791,"_9792":9793,"_9795":9796},"Number of government-backed Start Up Loans have been delivered since 2012","stat",{"_9792":9794},"125,000","superscriptTag",{"_9797":9798,"_28":4408},"word","[1]",{"_1793":9800,"_1798":9803,"_1837":9813},{"_1795":9801,"_1805":9802},[],[],{"_1808":9804,"_13":1813,"_1803":2246,"_1815":9806,"_1820":2265,"_1822":9808,"_1824":9809,"_1826":9809,"_1827":9810,"_1829":1938,"_1779":9811,"_1835":1836},{"_1798":9805},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9807},{"_13":1800,"_1801":1818,"_1803":1871},"2023-11-15T12:12:48.396Z","2025-12-01T20:30:11.458Z","2023-11-15T12:12:58.308Z",{"_1798":9812},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":4052,"_1840":1841},{"_1793":9815,"_1798":9818,"_1837":9828},{"_1795":9816,"_1805":9817},[],[],{"_1808":9819,"_13":1813,"_1803":3856,"_1815":9821,"_1820":3831,"_1822":9823,"_1824":9824,"_1826":9824,"_1827":9825,"_1829":2136,"_1779":9826,"_1835":1836},{"_1798":9820},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9822},{"_13":1800,"_1801":1818,"_1803":1934},"2025-04-10T09:54:53.959Z","2026-03-17T18:20:52.124Z","2025-04-17T12:53:00.281Z",{"_1798":9827},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":9829,"_1943":9830,"_49":9831,"_1840":1841},"Submit your application","4. Submit your application",{"_1946":1947,"_1948":9832,"_49":9833},{},[9834,9841],{"_1946":1952,"_1948":9835,"_49":9836},{},[9837],{"_1946":1956,"_1957":9838,"_1959":9839,"_1948":9840},"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. ",[],{},{"_1946":1952,"_1948":9842,"_49":9843},{},[9844],{"_1946":1956,"_1957":9845,"_1959":9846,"_1948":9847},"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":9849,"_1798":9852,"_1837":9862},{"_1795":9850,"_1805":9851},[],[],{"_1808":9853,"_13":1813,"_1803":8756,"_1815":9855,"_1820":2212,"_1822":9857,"_1824":9858,"_1826":9858,"_1827":9859,"_1829":5071,"_1779":9860,"_1835":1836},{"_1798":9854},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9856},{"_13":1800,"_1801":1818,"_1803":2361},"2026-03-24T12:08:34.302Z","2026-04-29T09:42:13.922Z","2026-03-24T13:58:31.613Z",{"_1798":9861},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":9863,"_1840":1841,"_1989":6928,"_2372":9864,"_2447":1786,"_49":9871},"Business bank account forced journey call out card",{"_6062":9865,"_6933":6934,"_147":9867,"_2141":9870,"_1989":9,"_6939":6940},{"_1956":9866,"_6932":59,"_1989":5949},"💷 See how much you could save",{"_34":9868,"_1956":9869},"https://www.money.co.uk/business/bank-accounts/results","See bank accounts","An easier way to open a business bank account",{"_1948":9872,"_49":9873,"_1946":1947},{},[9874,9907],{"_1948":9875,"_49":9876,"_1946":2824},{},[9877,9887,9897],{"_1948":9878,"_49":9879,"_1946":2828},{},[9880],{"_1948":9881,"_49":9882,"_1946":1952},{},[9883],{"_1948":9884,"_1959":9885,"_1957":9886,"_1946":1956},{},[],"Compare accounts from leading UK providers.",{"_1948":9888,"_49":9889,"_1946":2828},{},[9890],{"_1948":9891,"_49":9892,"_1946":1952},{},[9893],{"_1948":9894,"_1959":9895,"_1957":9896,"_1946":1956},{},[],"Find the right fit for your business, free of charge.",{"_1948":9898,"_49":9899,"_1946":2828},{},[9900],{"_1948":9901,"_49":9902,"_1946":1952},{},[9903],{"_1948":9904,"_1959":9905,"_1957":9906,"_1946":1956},{},[],"Open an account in as little as one working day.",{"_1948":9908,"_49":9909,"_1946":1952},{},[9910],{"_1948":9911,"_1959":9912,"_1957":9,"_1946":1956},{},[],{"_1793":9914,"_1798":9917,"_1837":9927},{"_1795":9915,"_1805":9916},[],[],{"_1808":9918,"_13":1813,"_1803":3739,"_1815":9920,"_1820":2265,"_1822":9922,"_1824":9923,"_1826":9923,"_1827":9924,"_1829":3635,"_1779":9925,"_1835":1836},{"_1798":9919},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9921},{"_13":1800,"_1801":1818,"_1803":2361},"2025-11-27T16:11:28.094Z","2026-03-11T19:29:46.913Z","2025-11-27T16:55:08.060Z",{"_1798":9926},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":9928,"_1840":1841,"_1989":9929,"_2372":9930,"_2447":1786,"_2711":9939},"Platinum - Business credit cards - CTA 2","credit-card-finder-module-low-prominence",{"_1943":9931,"_9932":9933,"_9934":9935,"_1819":9936,"_9937":9938},"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",[],{"_1798":9940},{"_13":1800,"_1801":1813,"_1803":4298},{"_1793":9942,"_1798":9947,"_1837":9957},{"_1795":9943,"_1805":9946},[9944],{"_1798":9945},{"_13":1800,"_1801":1802,"_1803":1804},[],{"_1808":9948,"_13":1813,"_1803":3767,"_1815":9950,"_1820":3267,"_1822":9952,"_1824":9953,"_1826":9953,"_1827":9954,"_1829":6872,"_1779":9955,"_1835":1836},{"_1798":9949},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9951},{"_13":1800,"_1801":1818,"_1803":2361},"2023-06-12T11:46:36.324Z","2026-02-17T12:06:38.786Z","2023-06-13T11:12:47.181Z",{"_1798":9956},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":9317,"_1840":1841,"_1989":3502,"_2372":9958,"_2447":59},{"_1943":9959,"_2443":9960,"_3506":9961,"_3508":9962,"_3510":9963,"_3518":9966},"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",{"_3512":9964,"_3241":9965,"_1943":9965,"_3516":5891},"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?",[9967,9972],{"_3512":9968,"_3241":9969,"_1943":9969,"_3516":9970,"_3525":9971},"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.",{"_3512":9973,"_3241":9974,"_1943":9974,"_3516":3411,"_3525":9975},"https://img.money.co.uk/t014ej9w3ur1/2lchm0Ma3ovBaTgM1sCnh9/a2e37a9f650423123089a0299ab8724b/How_to_use_a_business_credit_card_to_collect_rewards__money_.jpg?auto=format%2Ccompress&q=45&ixlib=react-9.8.1&w=2400","How to get the most out of your business credit card rewards","Most business credit cards offer perks that could save your company a small fortune. We explain how to pick the right card for your business.",{"_1793":9977,"_1798":9980,"_1837":9989},{"_1795":9978,"_1805":9979},[],[],{"_1808":9981,"_13":1813,"_1803":3750,"_1815":9983,"_1820":2459,"_1822":9985,"_1824":9986,"_1826":9986,"_1827":9986,"_1829":3267,"_1779":9987,"_1835":1836},{"_1798":9982},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":9984},{"_13":1800,"_1801":1818,"_1803":1979},"2026-05-11T15:33:45.410Z","2026-05-11T15:42:32.181Z",{"_1798":9988},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":9990,"_1840":1841,"_1989":1990,"_2141":9991,"_49":10006},"What costs should I consider before applying?",{"_1948":9992,"_49":9993,"_1946":1947},{},[9994,10000],{"_1948":9995,"_49":9996,"_1946":2331},{},[9997],{"_1948":9998,"_1959":9999,"_1957":9990,"_1946":1956},{},[],{"_1948":10001,"_49":10002,"_1946":1952},{},[10003],{"_1948":10004,"_1959":10005,"_1957":9,"_1946":1956},{},[],{"_1948":10007,"_49":10008,"_1946":1947},{},[10009,10016,10064],{"_1948":10010,"_49":10011,"_1946":1952},{},[10012],{"_1948":10013,"_1959":10014,"_1957":10015,"_1946":1956},{},[],"Before applying for your business credit card, it’s important to think about:",{"_1948":10017,"_49":10018,"_1946":2824},{},[10019,10034,10049],{"_1948":10020,"_49":10021,"_1946":2828},{},[10022],{"_1948":10023,"_49":10024,"_1946":1952},{},[10025,10030],{"_1948":10026,"_1959":10027,"_1957":10029,"_1946":1956},{},[10028],{"_13":2838},"Annual fees",{"_1948":10031,"_1959":10032,"_1957":10033,"_1946":1956},{},[]," – make sure the value of the rewards outweighs any fees.",{"_1948":10035,"_49":10036,"_1946":2828},{},[10037],{"_1948":10038,"_49":10039,"_1946":1952},{},[10040,10045],{"_1948":10041,"_1959":10042,"_1957":10044,"_1946":1956},{},[10043],{"_13":2838},"Interest rates",{"_1948":10046,"_1959":10047,"_1957":10048,"_1946":1956},{},[]," – carrying a balance can quickly negate your rewards.",{"_1948":10050,"_49":10051,"_1946":2828},{},[10052],{"_1948":10053,"_49":10054,"_1946":1952},{},[10055,10060],{"_1948":10056,"_1959":10057,"_1957":10059,"_1946":1956},{},[10058],{"_13":2838},"Reward terms",{"_1948":10061,"_1959":10062,"_1957":10063,"_1946":1956},{},[]," – check for expiry dates, restrictions, or tax implications.",{"_1948":10065,"_49":10066,"_1946":1952},{},[10067],{"_1948":10068,"_1959":10069,"_1957":10070,"_1946":1956},{},[],"By managing your card responsibly, your company can turn everyday expenses into meaningful rewards, helping to boost cash flow, save on travel, and unlock valuable perks.",{"_1793":10072,"_1798":10075,"_1837":10084},{"_1795":10073,"_1805":10074},[],[],{"_1808":10076,"_13":1813,"_1803":3733,"_1815":10078,"_1820":2041,"_1822":10080,"_1824":10081,"_1779":10082,"_1835":1836},{"_1798":10077},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10079},{"_13":1800,"_1801":1818,"_1803":1979},"2026-05-20T16:15:12.272Z","2026-05-22T08:47:19.787Z",{"_1798":10083},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10085,"_1840":1841,"_1989":1990,"_2141":10086,"_49":10101},"Key things to consider when comparing business credit cards",{"_1948":10087,"_49":10088,"_1946":1947},{},[10089,10095],{"_1948":10090,"_49":10091,"_1946":2331},{},[10092],{"_1948":10093,"_1959":10094,"_1957":10085,"_1946":1956},{},[],{"_1948":10096,"_49":10097,"_1946":1952},{},[10098],{"_1948":10099,"_1959":10100,"_1957":9,"_1946":1956},{},[],{"_1946":1947,"_1948":10102,"_49":10103},{},[10104,10118,10125,10139,10146,10160,10167,10181,10188,10202,10209],{"_1946":2824,"_1948":10105,"_49":10106},{},[10107],{"_1946":2828,"_1948":10108,"_49":10109},{},[10110],{"_1946":1952,"_1948":10111,"_49":10112},{},[10113],{"_1946":1956,"_1957":10114,"_1959":10115,"_1948":10117},"APR (Annual Percentage Rate)",[10116],{"_13":2838},{},{"_1946":1952,"_1948":10119,"_49":10120},{},[10121],{"_1946":1956,"_1957":10122,"_1959":10123,"_1948":10124},"APR is the total cost of borrowing over a year, including interest and any standard fees. For business credit cards, APR helps you compare the true cost of different card options.",[],{},{"_1946":2824,"_1948":10126,"_49":10127},{},[10128],{"_1946":2828,"_1948":10129,"_49":10130},{},[10131],{"_1946":1952,"_1948":10132,"_49":10133},{},[10134],{"_1946":1956,"_1957":10135,"_1959":10136,"_1948":10138},"Rewards and perks",[10137],{"_13":2838},{},{"_1946":1952,"_1948":10140,"_49":10141},{},[10142],{"_1946":1956,"_1957":10143,"_1959":10144,"_1948":10145},"Some cards offer cashback, travel points, or other rewards. If you regularly make business purchases, a rewards card can help you earn back a percentage of your spending.",[],{},{"_1946":2824,"_1948":10147,"_49":10148},{},[10149],{"_1946":2828,"_1948":10150,"_49":10151},{},[10152],{"_1946":1952,"_1948":10153,"_49":10154},{},[10155],{"_1946":1956,"_1957":10156,"_1959":10157,"_1948":10159},"Credit limits",[10158],{"_13":2838},{},{"_1946":1952,"_1948":10161,"_49":10162},{},[10163],{"_1946":1956,"_1957":10164,"_1959":10165,"_1948":10166},"A higher credit limit provides more room for larger purchases and can help you manage cash flow. However, choose a card with a limit that aligns with your current business spending to avoid unnecessary debt or overspending.",[],{},{"_1946":2824,"_1948":10168,"_49":10169},{},[10170],{"_1946":2828,"_1948":10171,"_49":10172},{},[10173],{"_1946":1952,"_1948":10174,"_49":10175},{},[10176],{"_1946":1956,"_1957":10177,"_1959":10178,"_1948":10180},"Interest-free period",[10179],{"_13":2838},{},{"_1946":1952,"_1948":10182,"_49":10183},{},[10184],{"_1946":1956,"_1957":10185,"_1959":10186,"_1948":10187},"Many providers offer an interest-free period of up to 42 days, with some beyond that. There are also introductory 0% APR deals for a fixed period, which typically range from 6-18 months, but check what the rate changes to once the promotion ends.",[],{},{"_1946":2824,"_1948":10189,"_49":10190},{},[10191],{"_1946":2828,"_1948":10192,"_49":10193},{},[10194],{"_1946":1952,"_1948":10195,"_49":10196},{},[10197],{"_1946":1956,"_1957":10198,"_1959":10199,"_1948":10201},"Extras",[10200],{"_13":2838},{},{"_1946":1952,"_1948":10203,"_49":10204},{},[10205],{"_1946":1956,"_1957":10206,"_1959":10207,"_1948":10208},"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.",[],{},{"_1946":1952,"_1948":10210,"_49":10211},{},[10212],{"_1946":1956,"_1957":10213,"_1959":10214,"_1948":10216},"APRs and offers are subject to change. Always verify current rates and terms directly with the provider before applying.",[10215],{"_13":3130},{},{"_1793":10218,"_1798":10221,"_1837":10231},{"_1795":10219,"_1805":10220},[],[],{"_1808":10222,"_13":1813,"_1803":7463,"_1815":10224,"_1820":2261,"_1822":10226,"_1824":10227,"_1826":10227,"_1827":10228,"_1829":1821,"_1779":10229,"_1835":1836},{"_1798":10223},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10225},{"_13":1800,"_1801":1818,"_1803":3814},"2020-05-05T13:37:57.075Z","2025-06-12T13:31:15.644Z","2020-05-05T13:38:05.870Z",{"_1798":10230},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":4761,"_1840":1841},"6NT2a7b5Kxu8Mhtz4QjF92",{"_1793":10234,"_1798":10237,"_1837":10247},{"_1795":10235,"_1805":10236},[],[],{"_1808":10238,"_13":1813,"_1803":10232,"_1815":10240,"_1820":2083,"_1822":10242,"_1824":10243,"_1826":10243,"_1827":10244,"_1829":1821,"_1779":10245,"_1835":1836},{"_1798":10239},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10241},{"_13":1800,"_1801":1818,"_1803":147},"2024-08-14T15:17:47.842Z","2024-12-16T11:25:30.835Z","2024-08-16T08:37:02.952Z",{"_1798":10246},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10248,"_28":304,"_1956":9081,"_1989":5949,"_10249":10250,"_1840":1841},"Compare Business credit cards - CTA - CTA Button","size","small",{"_1793":10252,"_1798":10257,"_1837":10267},{"_1795":10253,"_1805":10256},[10254],{"_1798":10255},{"_13":1800,"_1801":1802,"_1803":1804},[],{"_1808":10258,"_13":1813,"_1803":9261,"_1815":10260,"_1820":2265,"_1822":10262,"_1824":10263,"_1826":10263,"_1827":10264,"_1829":9295,"_1779":10265,"_1835":1836},{"_1798":10259},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10261},{"_13":1800,"_1801":1818,"_1803":7542},"2024-12-17T12:32:41.795Z","2026-04-27T13:16:46.672Z","2024-12-20T10:43:18.980Z",{"_1798":10266},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10268,"_49":10269,"_8616":59,"_8617":8618,"_1989":8619,"_1840":1841},"Business - Guides - What you need for a business credit card - RTM (Business guide template)",{"_1946":1947,"_1948":10270,"_49":10271},{},[10272,10279,10286,10292,10336,10342,10349,10386,10406,10413,10434,10441,10460,10467,10475,10518,10526,10589,10597,10660,10668,10681,10689,10712,10720,10727,10734,10741,10748,10755,10800,10816,10823,10830,10837,10844,10863,10870,10890,10955,10977,10982,10987],{"_1946":1952,"_1948":10273,"_49":10274},{},[10275],{"_1946":1956,"_1957":10276,"_1959":10277,"_1948":10278},"The key to running a successful business is good organisation and consistent cash flow. A business credit card can help you achieve both of these aims, offering a safe and secure payment method while keeping your personal and work finances separate. ",[],{},{"_1946":1952,"_1948":10280,"_49":10281},{},[10282],{"_1946":1956,"_1957":10283,"_1959":10284,"_1948":10285},"In this guide, we explain what documents and information you need to get a business credit card. ",[],{},{"_1946":2331,"_1948":10287,"_49":10288},{},[10289],{"_1946":1956,"_1957":7565,"_1959":10290,"_1948":10291},[],{},{"_1946":2824,"_1948":10293,"_49":10294},{},[10295,10316,10326],{"_1946":2828,"_1948":10296,"_49":10297},{},[10298],{"_1946":1952,"_1948":10299,"_49":10300},{},[10301,10305,10312],{"_1946":1956,"_1957":10302,"_1959":10303,"_1948":10304},"Business credit cards can be highly beneficial for ",[],{},{"_1946":2292,"_1948":10306,"_49":10307},{"_2283":313},[10308],{"_1946":1956,"_1957":10309,"_1959":10310,"_1948":10311},"startups",[],{},{"_1946":1956,"_1957":10313,"_1959":10314,"_1948":10315},", small businesses, self-employed individuals and side hustlers",[],{},{"_1946":2828,"_1948":10317,"_49":10318},{},[10319],{"_1946":1952,"_1948":10320,"_49":10321},{},[10322],{"_1946":1956,"_1957":10323,"_1959":10324,"_1948":10325},"Getting a business credit card often requires meeting several requirements, so ensure you have all the necessary documents and information ready when applying",[],{},{"_1946":2828,"_1948":10327,"_49":10328},{},[10329],{"_1946":1952,"_1948":10330,"_49":10331},{},[10332],{"_1946":1956,"_1957":10333,"_1959":10334,"_1948":10335},"Card providers will review your credit report, so it’s important to take steps to keep yours in good shape",[],{},{"_1946":2001,"_1948":10337,"_49":10341},{"_1996":10338},{"_1798":10339},{"_1803":10340,"_13":1800,"_1801":1813},"7rGbJHbBTura1hZP16M8Vk",[],{"_1946":2331,"_1948":10343,"_49":10344},{},[10345],{"_1946":1956,"_1957":10346,"_1959":10347,"_1948":10348},"Who can get a business credit card?",[],{},{"_1946":1952,"_1948":10350,"_49":10351},{},[10352,10356,10365,10369,10373,10382],{"_1946":1956,"_1957":10353,"_1959":10354,"_1948":10355},"You can apply for a ",[],{},{"_1946":2292,"_1948":10357,"_49":10359},{"_2283":10358},"/business/business-credit-cards/what-is-a-business-credit-card",[10360],{"_1946":1956,"_1957":10361,"_1959":10362,"_1948":10364},"business credit card",[10363],{"_13":2290},{},{"_1946":1956,"_1957":10366,"_1959":10367,"_1948":10368}," whether you’re operating",[],{},{"_1946":1956,"_1957":2895,"_1959":10370,"_1948":10372},[10371],{"_13":2290},{},{"_1946":2292,"_1948":10374,"_49":10376},{"_2283":10375},"/business/business-credit-cards/can-you-get-a-business-credit-card-as-a-sole-trader",[10377],{"_1946":1956,"_1957":10378,"_1959":10379,"_1948":10381},"as a sole trader",[10380],{"_13":2290},{},{"_1946":1956,"_1957":10383,"_1959":10384,"_1948":10385},", partnership or limited company. Business credit cards are similar to personal ones (which small businesses can also use) but are registered in a company’s name rather than an individual’s. ",[],{},{"_1946":1952,"_1948":10387,"_49":10388},{},[10389,10393,10402],{"_1946":1956,"_1957":10390,"_1959":10391,"_1948":10392},"Other ",[],{},{"_1946":2292,"_1948":10394,"_49":10396},{"_2283":10395},"/business/bank-accounts/personal-vs-business-current-accounts",[10397],{"_1946":1956,"_1957":10398,"_1959":10399,"_1948":10401},"differences between business and personal credit cards",[10400],{"_13":2290},{},{"_1946":1956,"_1957":10403,"_1959":10404,"_1948":10405}," include the fact that you can often get multiple cards linked to a single card account. That means your staff can also use company cards to make any necessary payments, saving you the bother of reimbursing expenses. ",[],{},{"_1946":1952,"_1948":10407,"_49":10408},{},[10409],{"_1946":1956,"_1957":10410,"_1959":10411,"_1948":10412},"It’s important to note that money spent on company credit cards must be paid off by the company, not the individual staff member, so it’s crucial to enforce spending limits when handing out these cards. ",[],{},{"_1946":8089,"_1948":10414,"_49":10415},{},[10416],{"_1946":1952,"_1948":10417,"_49":10418},{},[10419,10422,10430],{"_1946":1956,"_1957":8177,"_1959":10420,"_1948":10421},[],{},{"_1946":2292,"_1948":10423,"_49":10424},{"_2283":10358},[10425],{"_1946":1956,"_1957":10426,"_1959":10427,"_1948":10429},"What is a business credit card guide",[10428],{"_13":2290},{},{"_1946":1956,"_1957":10431,"_1959":10432,"_1948":10433}," for more information.",[],{},{"_1946":2331,"_1948":10435,"_49":10436},{},[10437],{"_1946":1956,"_1957":10438,"_1959":10439,"_1948":10440},"What do I need to provide to get a business credit card?",[],{},{"_1946":1952,"_1948":10442,"_49":10443},{},[10444,10448,10456],{"_1946":1956,"_1957":10445,"_1959":10446,"_1948":10447},"As with personal credit cards, the card provider takes on an element of risk when they offer a ",[],{},{"_1946":2292,"_1948":10449,"_49":10451},{"_2283":10450},"/business/business-loans/what-is-a-business-line-of-credit",[10452],{"_1946":1956,"_1957":10453,"_1959":10454,"_1948":10455},"line of credit",[],{},{"_1946":1956,"_1957":10457,"_1959":10458,"_1948":10459},". The difference is that businesses are more likely to struggle financially, particularly new or small ones – over half of these fail within three years of starting up. ",[],{},{"_1946":1952,"_1948":10461,"_49":10462},{},[10463],{"_1946":1956,"_1957":10464,"_1959":10465,"_1948":10466},"For this reason, card providers require a lot of information about the company owner and the firm itself. Here’s what you typically need to provide to get a business credit card:",[],{},{"_1946":2013,"_1948":10468,"_49":10469},{},[10470],{"_1946":1956,"_1957":10471,"_1959":10472,"_1948":10474},"Personal details",[10473],{"_13":2838},{},{"_1946":2824,"_1948":10476,"_49":10477},{},[10478,10488,10498,10508],{"_1946":2828,"_1948":10479,"_49":10480},{},[10481],{"_1946":1952,"_1948":10482,"_49":10483},{},[10484],{"_1946":1956,"_1957":10485,"_1959":10486,"_1948":10487},"Your full name",[],{},{"_1946":2828,"_1948":10489,"_49":10490},{},[10491],{"_1946":1952,"_1948":10492,"_49":10493},{},[10494],{"_1946":1956,"_1957":10495,"_1959":10496,"_1948":10497},"Your home address and any addresses you have lived at over the past three years ",[],{},{"_1946":2828,"_1948":10499,"_49":10500},{},[10501],{"_1946":1952,"_1948":10502,"_49":10503},{},[10504],{"_1946":1956,"_1957":10505,"_1959":10506,"_1948":10507},"Your date of birth",[],{},{"_1946":2828,"_1948":10509,"_49":10510},{},[10511],{"_1946":1952,"_1948":10512,"_49":10513},{},[10514],{"_1946":1956,"_1957":10515,"_1959":10516,"_1948":10517},"The personal details of all business partners or directors ",[],{},{"_1946":2013,"_1948":10519,"_49":10520},{},[10521],{"_1946":1956,"_1957":10522,"_1959":10523,"_1948":10525},"Business details",[10524],{"_13":2838},{},{"_1946":2824,"_1948":10527,"_49":10528},{},[10529,10539,10549,10559,10569,10579],{"_1946":2828,"_1948":10530,"_49":10531},{},[10532],{"_1946":1952,"_1948":10533,"_49":10534},{},[10535],{"_1946":1956,"_1957":10536,"_1959":10537,"_1948":10538},"Your company address",[],{},{"_1946":2828,"_1948":10540,"_49":10541},{},[10542],{"_1946":1952,"_1948":10543,"_49":10544},{},[10545],{"_1946":1956,"_1957":10546,"_1959":10547,"_1948":10548},"Your business start date",[],{},{"_1946":2828,"_1948":10550,"_49":10551},{},[10552],{"_1946":1952,"_1948":10553,"_49":10554},{},[10555],{"_1946":1956,"_1957":10556,"_1959":10557,"_1948":10558},"A description of your business, including the business structure (e.g. sole trader, partnership, limited company) and the sector or industry you work in or serve",[],{},{"_1946":2828,"_1948":10560,"_49":10561},{},[10562],{"_1946":1952,"_1948":10563,"_49":10564},{},[10565],{"_1946":1956,"_1957":10566,"_1959":10567,"_1948":10568},"Where you operate and which countries you do business with. For example, UK only, EU countries or beyond Europe",[],{},{"_1946":2828,"_1948":10570,"_49":10571},{},[10572],{"_1946":1952,"_1948":10573,"_49":10574},{},[10575],{"_1946":1956,"_1957":10576,"_1959":10577,"_1948":10578},"Number of employees (including yourself)",[],{},{"_1946":2828,"_1948":10580,"_49":10581},{},[10582],{"_1946":1952,"_1948":10583,"_49":10584},{},[10585],{"_1946":1956,"_1957":10586,"_1959":10587,"_1948":10588},"Company’s Registration Number (if registered with Companies House)",[],{},{"_1946":2013,"_1948":10590,"_49":10591},{},[10592],{"_1946":1956,"_1957":10593,"_1959":10594,"_1948":10596},"Financial details",[10595],{"_13":2838},{},{"_1946":2824,"_1948":10598,"_49":10599},{},[10600,10620,10630,10640,10650],{"_1946":2828,"_1948":10601,"_49":10602},{},[10603],{"_1946":1952,"_1948":10604,"_49":10605},{},[10606,10610,10616],{"_1946":1956,"_1957":10607,"_1959":10608,"_1948":10609},"Your bank account details. Many banks require business credit card customers to hold a ",[],{},{"_1946":2292,"_1948":10611,"_49":10612},{"_2283":376},[10613],{"_1946":1956,"_1957":8419,"_1959":10614,"_1948":10615},[],{},{"_1946":1956,"_1957":10617,"_1959":10618,"_1948":10619}," with them",[],{},{"_1946":2828,"_1948":10621,"_49":10622},{},[10623],{"_1946":1952,"_1948":10624,"_49":10625},{},[10626],{"_1946":1956,"_1957":10627,"_1959":10628,"_1948":10629},"The company’s annual revenue, which affects your credit limit",[],{},{"_1946":2828,"_1948":10631,"_49":10632},{},[10633],{"_1946":1952,"_1948":10634,"_49":10635},{},[10636],{"_1946":1956,"_1957":10637,"_1959":10638,"_1948":10639},"Your ideal preferred credit limit",[],{},{"_1946":2828,"_1948":10641,"_49":10642},{},[10643],{"_1946":1952,"_1948":10644,"_49":10645},{},[10646],{"_1946":1956,"_1957":10647,"_1959":10648,"_1948":10649},"How you intend to use the card. For example, making regular supplier purchases, paying commercial property rent, buying equipment or tools, smoothing cash flow",[],{},{"_1946":2828,"_1948":10651,"_49":10652},{},[10653],{"_1946":1952,"_1948":10654,"_49":10655},{},[10656],{"_1946":1956,"_1957":10657,"_1959":10658,"_1948":10659},"Your personal income, which might be available to cover any shortfall in business credit card repayments",[],{},{"_1946":2013,"_1948":10661,"_49":10662},{},[10663],{"_1946":1956,"_1957":10664,"_1959":10665,"_1948":10667},"Tax details",[10666],{"_13":2838},{},{"_1946":2824,"_1948":10669,"_49":10670},{},[10671],{"_1946":2828,"_1948":10672,"_49":10673},{},[10674],{"_1946":1952,"_1948":10675,"_49":10676},{},[10677],{"_1946":1956,"_1957":10678,"_1959":10679,"_1948":10680},"Your unique taxpayer reference (UTR). This 10-digit number features on the front page of your tax return. This is form SA100 if you operate as a sole trader or form CT600 if you pay corporation tax",[],{},{"_1946":2013,"_1948":10682,"_49":10683},{},[10684],{"_1946":1956,"_1957":10685,"_1959":10686,"_1948":10688},"Credit history",[10687],{"_13":2838},{},{"_1946":2824,"_1948":10690,"_49":10691},{},[10692,10702],{"_1946":2828,"_1948":10693,"_49":10694},{},[10695],{"_1946":1952,"_1948":10696,"_49":10697},{},[10698],{"_1946":1956,"_1957":10699,"_1959":10700,"_1948":10701},"Credit checks establish how much of a risk you are to providers. They look at your history, taking note of missed or late payments, County Court Judgments (CCJs) or anything else that suggests there’s a risk of you failing to make repayments",[],{},{"_1946":2828,"_1948":10703,"_49":10704},{},[10705],{"_1946":1952,"_1948":10706,"_49":10707},{},[10708],{"_1946":1956,"_1957":10709,"_1959":10710,"_1948":10711},"If you’ve only just started trading and don’t have a business credit report, providers run a check on your personal credit file",[],{},{"_1946":2013,"_1948":10713,"_49":10714},{},[10715],{"_1946":1956,"_1957":10716,"_1959":10717,"_1948":10719},"Extra information ",[10718],{"_13":2838},{},{"_1946":1952,"_1948":10721,"_49":10722},{},[10723],{"_1946":1956,"_1957":10724,"_1959":10725,"_1948":10726},"Some providers only issue business credit cards to existing business current account holders, and only if applicants agree to restrict card use to business purchases only. ",[],{},{"_1946":1952,"_1948":10728,"_49":10729},{},[10730],{"_1946":1956,"_1957":10731,"_1959":10732,"_1948":10733},"Certain providers won’t accept applications from company owners who already have a business credit card, so check the fine print before making a request, as failed applications can affect your credit score.",[],{},{"_1946":2331,"_1948":10735,"_49":10736},{},[10737],{"_1946":1956,"_1957":10738,"_1959":10739,"_1948":10740},"What credit score do I need for a business credit card? ",[],{},{"_1946":1952,"_1948":10742,"_49":10743},{},[10744],{"_1946":1956,"_1957":10745,"_1959":10746,"_1948":10747},"Each of the three main credit reference agencies – Equifax, Experian, and TransUnion – has its own rating criteria. The higher up the scale your rating is, the more attractive you are as a potential customer. ",[],{},{"_1946":1952,"_1948":10749,"_49":10750},{},[10751],{"_1946":1956,"_1957":10752,"_1959":10753,"_1948":10754},"For example, Experian’s business credit rating structure is as follows:",[],{},{"_1946":2824,"_1948":10756,"_49":10757},{},[10758,10768,10778],{"_1946":2828,"_1948":10759,"_49":10760},{},[10761],{"_1946":1952,"_1948":10762,"_49":10763},{},[10764],{"_1946":1956,"_1957":10765,"_1959":10766,"_1948":10767},"A score of 80 to 100 indicates your business is low risk",[],{},{"_1946":2828,"_1948":10769,"_49":10770},{},[10771],{"_1946":1952,"_1948":10772,"_49":10773},{},[10774],{"_1946":1956,"_1957":10775,"_1959":10776,"_1948":10777},"A score of between 40 and 80 may mean you need to provide more information about your personal or business history to become a credit card customer",[],{},{"_1946":2828,"_1948":10779,"_49":10780},{},[10781],{"_1946":1952,"_1948":10782,"_49":10783},{},[10784,10788,10797],{"_1946":1956,"_1957":10785,"_1959":10786,"_1948":10787},"Below 40 means you may need to investigate ",[],{},{"_1946":2292,"_1948":10789,"_49":10791},{"_2283":10790},"/business/business-credit-cards/how-to-get-a-business-credit-card-with-bad-credit",[10792],{"_1946":1956,"_1957":10793,"_1959":10794,"_1948":10796},"how to get a business credit card with a poor credit history",[10795],{"_13":2290},{},{"_1946":1956,"_1957":9,"_1959":10798,"_1948":10799},[],{},{"_1946":1952,"_1948":10801,"_49":10802},{},[10803,10807,10813],{"_1946":1956,"_1957":10804,"_1959":10805,"_1948":10806},"You can check your business credit score and how to improve it ",[],{},{"_1946":2292,"_1948":10808,"_49":10809},{"_2283":332},[10810],{"_1946":1956,"_1957":8372,"_1959":10811,"_1948":10812},[],{},{"_1946":1956,"_1957":8376,"_1959":10814,"_1948":10815},[],{},{"_1946":2013,"_1948":10817,"_49":10818},{},[10819],{"_1946":1956,"_1957":10820,"_1959":10821,"_1948":10822},"What if I don’t have a business credit history?",[],{},{"_1946":1952,"_1948":10824,"_49":10825},{},[10826],{"_1946":1956,"_1957":10827,"_1959":10828,"_1948":10829},"If you’re a startup with no experience running a company, you probably won’t have much of a business credit history. In this case, lenders tend to focus on your personal credit history. They may also ask you to sign a personal guarantee. ",[],{},{"_1946":1952,"_1948":10831,"_49":10832},{},[10833],{"_1946":1956,"_1957":10834,"_1959":10835,"_1948":10836},"This is a legally binding agreement where you and your partners or fellow directors accept personal liability for any money owed to the lender in the event that the company can’t cover the debt. ",[],{},{"_1946":1952,"_1948":10838,"_49":10839},{},[10840],{"_1946":1956,"_1957":10841,"_1959":10842,"_1948":10843},"Employees aren’t usually asked to sign a personal guarantee, even if they have a business credit card.",[],{},{"_1946":1952,"_1948":10845,"_49":10846},{},[10847,10851,10859],{"_1946":1956,"_1957":10848,"_1959":10849,"_1948":10850},"If you’re in this position, it’s still possible to get approved for a card, some providers offer ",[],{},{"_1946":2292,"_1948":10852,"_49":10853},{"_2283":313},[10854],{"_1946":1956,"_1957":10855,"_1959":10856,"_1948":10858},"business credit cards for startups",[10857],{"_13":2290},{},{"_1946":1956,"_1957":10860,"_1959":10861,"_1948":10862}," that are designed for new businesses and sole traders with limited credit history.",[],{},{"_1946":2013,"_1948":10864,"_49":10865},{},[10866],{"_1946":1956,"_1957":10867,"_1959":10868,"_1948":10869},"How can I improve my credit score?",[],{},{"_1946":1952,"_1948":10871,"_49":10872},{},[10873,10877,10886],{"_1946":1956,"_1957":10874,"_1959":10875,"_1948":10876},"If you’re struggling to get a business credit card, don’t apply repeatedly – this signals desperation to lenders and makes them even less likely to accept you. Instead, you can do the following to ",[],{},{"_1946":2292,"_1948":10878,"_49":10880},{"_2283":10879},"/business/credit-reports/how-to-build-business-credit",[10881],{"_1946":1956,"_1957":10882,"_1959":10883,"_1948":10885},"build your business credit score",[10884],{"_13":2290},{},{"_1946":1956,"_1957":10887,"_1959":10888,"_1948":10889},":",[],{},{"_1946":2824,"_1948":10891,"_49":10892},{},[10893,10903,10913,10935,10945],{"_1946":2828,"_1948":10894,"_49":10895},{},[10896],{"_1946":1952,"_1948":10897,"_49":10898},{},[10899],{"_1946":1956,"_1957":10900,"_1959":10901,"_1948":10902},"Ensure you pay creditors promptly",[],{},{"_1946":2828,"_1948":10904,"_49":10905},{},[10906],{"_1946":1952,"_1948":10907,"_49":10908},{},[10909],{"_1946":1956,"_1957":10910,"_1959":10911,"_1948":10912},"Register your business with each of the three credit reference agencies (CRAs)",[],{},{"_1946":2828,"_1948":10914,"_49":10915},{},[10916],{"_1946":1952,"_1948":10917,"_49":10918},{},[10919,10922,10931],{"_1946":1956,"_1957":9,"_1959":10920,"_1948":10921},[],{},{"_1946":2292,"_1948":10923,"_49":10925},{"_2283":10924},"/business/credit-reports/how-to-check-your-business-credit-report",[10926],{"_1946":1956,"_1957":10927,"_1959":10928,"_1948":10930},"Check your personal and business credit reports regularly",[10929],{"_13":2290},{},{"_1946":1956,"_1957":10932,"_1959":10933,"_1948":10934},", and notify the CRAs if you spot any errors or anomalies",[],{},{"_1946":2828,"_1948":10936,"_49":10937},{},[10938],{"_1946":1952,"_1948":10939,"_49":10940},{},[10941],{"_1946":1956,"_1957":10942,"_1959":10943,"_1948":10944},"Get on the electoral roll",[],{},{"_1946":2828,"_1948":10946,"_49":10947},{},[10948],{"_1946":1952,"_1948":10949,"_49":10950},{},[10951],{"_1946":1956,"_1957":10952,"_1959":10953,"_1948":10954},"Take care of your tax returns on time",[],{},{"_1946":8089,"_1948":10956,"_49":10957},{},[10958],{"_1946":1952,"_1948":10959,"_49":10960},{},[10961,10965,10974],{"_1946":1956,"_1957":8386,"_1959":10962,"_1948":10964},[10963],{"_13":2838},{},{"_1946":2292,"_1948":10966,"_49":10968},{"_2283":10967},"/business/insights/is-your-business-loan-ready",[10969],{"_1946":1956,"_1957":10970,"_1959":10971,"_1948":10973},"Is your business 'loan ready'? How lenders really assess SMEs",[10972],{"_13":2838},{},{"_1946":1956,"_1957":9,"_1959":10975,"_1948":10976},[],{},{"_1946":2001,"_1948":10978,"_49":10981},{"_1996":10979},{"_1798":10980},{"_1803":8620,"_13":1800,"_1801":1813},[],{"_1946":2001,"_1948":10983,"_49":10986},{"_1996":10984},{"_1798":10985},{"_1803":5276,"_13":1800,"_1801":1813},[],{"_1946":1952,"_1948":10988,"_49":10989},{},[10990],{"_1946":1956,"_1957":9,"_1959":10991,"_1948":10992},[],{},{"_1793":10994,"_1798":10997,"_1837":11006},{"_1795":10995,"_1805":10996},[],[],{"_1808":10998,"_13":1813,"_1803":3721,"_1815":11000,"_1820":2041,"_1822":11002,"_1824":11003,"_1779":11004,"_1835":1836},{"_1798":10999},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":11001},{"_13":1800,"_1801":1818,"_1803":1979},"2026-05-20T15:32:19.890Z","2026-05-20T15:48:01.858Z",{"_1798":11005},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":11007,"_1840":1841,"_1989":1990,"_2141":11008,"_49":11023},"How do business credit cards work?",{"_1948":11009,"_49":11010,"_1946":1947},{},[11011,11017],{"_1948":11012,"_49":11013,"_1946":2331},{},[11014],{"_1948":11015,"_1959":11016,"_1957":11007,"_1946":1956},{},[],{"_1948":11018,"_49":11019,"_1946":1952},{},[11020],{"_1948":11021,"_1959":11022,"_1957":9,"_1946":1956},{},[],{"_1946":1947,"_1948":11024,"_49":11025},{},[11026,11033,11040,11047,11054,11061],{"_1946":2013,"_1948":11027,"_49":11028},{},[11029],{"_1946":1956,"_1957":11030,"_1959":11031,"_1948":11032},"1. Compare and choose a card",[],{},{"_1946":1952,"_1948":11034,"_49":11035},{},[11036],{"_1946":1956,"_1957":11037,"_1959":11038,"_1948":11039},"Compare credit cards and find the right card that suits your business needs.",[],{},{"_1946":2013,"_1948":11041,"_49":11042},{},[11043],{"_1946":1956,"_1957":11044,"_1959":11045,"_1948":11046},"2. Apply for your card",[],{},{"_1946":1952,"_1948":11048,"_49":11049},{},[11050],{"_1946":1956,"_1957":11051,"_1959":11052,"_1948":11053},"Applying for a credit card can take just minutes with some applications. ",[],{},{"_1946":2013,"_1948":11055,"_49":11056},{},[11057],{"_1946":1956,"_1957":11058,"_1959":11059,"_1948":11060},"3. Spend and repay",[],{},{"_1946":1952,"_1948":11062,"_49":11063},{},[11064],{"_1946":1956,"_1957":11065,"_1959":11066,"_1948":11067},"Once your provider approves your application, you can start your business spending with your card, but be sure to keep up with the monthly repayments.",[],{},{"_1793":11069,"_1798":11072,"_1837":11082},{"_1795":11070,"_1805":11071},[],[],{"_1808":11073,"_13":1813,"_1803":6417,"_1815":11075,"_1820":2110,"_1822":11077,"_1824":11078,"_1826":11078,"_1827":11079,"_1829":2639,"_1779":11080,"_1835":1836},{"_1798":11074},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":11076},{"_13":1800,"_1801":1818,"_1803":2361},"2025-02-11T13:18:46.492Z","2026-04-29T09:42:14.768Z","2025-02-11T18:10:15.860Z",{"_1798":11081},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":11083,"_1840":1841,"_1989":4735,"_2372":11084,"_2447":1786},"Platinum - business bank - expert quote",{"_4737":11085,"_3512":4739,"_4239":4240,"_4740":4741,"_4742":4242},"Keeping personal and business finances separate is essential for tax compliance. Look for an account with built-in invoicing and accounting integrations to simplify your bookkeeping.",{"_1793":11087,"_1798":11090,"_1837":11100},{"_1795":11088,"_1805":11089},[],[],{"_1808":11091,"_13":1813,"_1803":7351,"_1815":11093,"_1820":2216,"_1822":11095,"_1824":11096,"_1826":11096,"_1827":11097,"_1829":2110,"_1779":11098,"_1835":1836},{"_1798":11092},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":11094},{"_13":1800,"_1801":1818,"_1803":2361},"2026-05-16T12:44:10.340Z","2026-05-19T15:37:52.409Z","2026-05-16T13:17:09.851Z",{"_1798":11099},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":11101,"_1840":1841,"_1989":7003,"_2372":11102,"_2447":1786},"Pros and cons of a business loan",{"_1943":11101,"_7006":7007,"_7008":7009,"_7010":11103,"_7017":11107},[11104,11105,11106],"Funds can be provided quickly to help you accelerate growth","You remain in control of your business as you won't be using external investment. 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","Research the type of loan you need ",{"_5421":1943,"_1943":11202,"_5423":11203,"_2048":4626},"Decide how much you would like to borrow ","You’ll need to work out how much money you need to ensure the loan can fund your business’ goals. It’s also essential to know how long you’ll need to repay the loan. ",{"_5421":1943,"_1943":11205,"_5423":11206,"_2048":5121},"Check any conditions attached to the loan ","Lenders will have different criteria depending on the loan, so make sure that you can adhere to the conditions and repay the money when needed. ",{"_5421":1943,"_1943":11208,"_5423":11209,"_2048":5437},"Apply for a business loan ","Once you’ve followed these steps you’ll be ready to fill out an application with your financial details. 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",[],{},{"_1946":1952,"_1948":11794,"_49":11795},{},[11796],{"_1946":1956,"_1957":11797,"_1959":11798,"_1948":11799},"You will typically need: ",[],{},{"_1946":2824,"_1948":11801,"_49":11802},{},[11803,11813,11823,11833,11843],{"_1946":2828,"_1948":11804,"_49":11805},{},[11806],{"_1946":1952,"_1948":11807,"_49":11808},{},[11809],{"_1946":1956,"_1957":11810,"_1959":11811,"_1948":11812},"To be over 18 years old",[],{},{"_1946":2828,"_1948":11814,"_49":11815},{},[11816],{"_1946":1952,"_1948":11817,"_49":11818},{},[11819],{"_1946":1956,"_1957":11820,"_1959":11821,"_1948":11822},"To have a UK bank account",[],{},{"_1946":2828,"_1948":11824,"_49":11825},{},[11826],{"_1946":1952,"_1948":11827,"_49":11828},{},[11829],{"_1946":1956,"_1957":11830,"_1959":11831,"_1948":11832},"Up-to-date accounts and bank statements",[],{},{"_1946":2828,"_1948":11834,"_49":11835},{},[11836],{"_1946":1952,"_1948":11837,"_49":11838},{},[11839],{"_1946":1956,"_1957":11840,"_1959":11841,"_1948":11842},"To show your credit profile",[],{},{"_1946":2828,"_1948":11844,"_49":11845},{},[11846],{"_1946":1952,"_1948":11847,"_49":11848},{},[11849],{"_1946":1956,"_1957":11850,"_1959":11851,"_1948":11852},"A business plan with the loan's purpose and how you plan to repay it",[],{},{"_1946":1952,"_1948":11854,"_49":11855},{},[11856],{"_1946":1956,"_1957":11857,"_1959":11858,"_1948":11859},"The credit score required to secure a business loan varies depending on your lender and the type of loan you're applying for.",[],{},{"_1793":11861,"_1798":11864,"_1837":11874},{"_1795":11862,"_1805":11863},[],[],{"_1808":11865,"_13":1813,"_1803":6357,"_1815":11867,"_1820":1830,"_1822":11869,"_1824":11870,"_1826":11870,"_1827":11871,"_1829":2639,"_1779":11872,"_1835":1836},{"_1798":11866},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":11868},{"_13":1800,"_1801":1818,"_1803":1871},"2020-09-09T13:25:09.130Z","2026-04-29T09:42:15.309Z","2020-09-09T13:25:12.695Z",{"_1798":11873},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":11875,"_1840":1841},"seo_category_business_current_accounts","7MQtnn52PxDWpz3Xv6gwI9",{"_1793":11878,"_1798":11881,"_1837":11892},{"_1795":11879,"_1805":11880},[],[],{"_1808":11882,"_13":1813,"_1803":11876,"_1815":11884,"_1820":1980,"_1822":11886,"_1824":11887,"_1826":11887,"_1827":11888,"_1829":11889,"_1779":11890,"_1835":1836},{"_1798":11883},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":11885},{"_13":1800,"_1801":1818,"_1803":1934},"2023-06-02T13:36:05.386Z","2026-05-19T15:37:27.107Z","2023-06-14T14:10:31.963Z",29,{"_1798":11891},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":11893,"_1943":11894,"_49":11895,"_1840":1841},"Platinum - business loans - FAQ 4","How can I check if my business has a credit record?",{"_1946":1947,"_1948":11896,"_49":11897},{},[11898],{"_1946":1952,"_1948":11899,"_49":11900},{},[11901],{"_1946":1956,"_1957":11902,"_1959":11903,"_1948":11904},"Your business credit record may affect whether or not your loan application is accepted. You can find your credit score through credit referencing agencies such as Experian.",[],{},{"_1793":11906,"_1798":11909,"_1837":11919},{"_1795":11907,"_1805":11908},[],[],{"_1808":11910,"_13":1813,"_1803":3742,"_1815":11912,"_1820":4726,"_1822":11914,"_1824":11915,"_1826":11915,"_1827":11916,"_1829":6193,"_1779":11917,"_1835":1836},{"_1798":11911},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":11913},{"_13":1800,"_1801":1818,"_1803":2361},"2023-11-17T11:29:10.385Z","2026-03-17T18:20:52.138Z","2023-11-21T15:19:54.486Z",{"_1798":11918},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":11920,"_1840":1841,"_1989":4735,"_2372":11921,"_2447":1786},"Platinum - Business credit cards - Expert quote",{"_4737":11922,"_3512":4739,"_4239":4240,"_4740":4741,"_4742":4743},"Business credit cards can give you breathing room when cash flow is tight. They also make expense tracking far simpler. 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While some business credit cards are designed for ",[],{},{"_1946":2292,"_1948":12237,"_49":12239},{"_2283":12238},"https://www.money.co.uk/business/business-credit-cards/startups",[12240],{"_1946":1956,"_1957":10309,"_1959":12241,"_1948":12242},[],{},{"_1946":1956,"_1957":12244,"_1959":12245,"_1948":12246}," or sole traders, others may require a minimum turnover or business history. ",[],{},{"_1946":1952,"_1948":12248,"_49":12249},{},[12250],{"_1946":1956,"_1957":12251,"_1959":12252,"_1948":12253},"To apply for a business credit card in the UK, you need to:",[],{},{"_1946":2824,"_1948":12255,"_49":12256},{},[12257,12267,12277],{"_1946":2828,"_1948":12258,"_49":12259},{},[12260],{"_1946":1952,"_1948":12261,"_49":12262},{},[12263],{"_1946":1956,"_1957":12264,"_1959":12265,"_1948":12266},"Be aged 18 or over",[],{},{"_1946":2828,"_1948":12268,"_49":12269},{},[12270],{"_1946":1952,"_1948":12271,"_49":12272},{},[12273],{"_1946":1956,"_1957":12274,"_1959":12275,"_1948":12276},"Be a UK resident",[],{},{"_1946":2828,"_1948":12278,"_49":12279},{},[12280],{"_1946":1952,"_1948":12281,"_49":12282},{},[12283],{"_1946":1956,"_1957":12284,"_1959":12285,"_1948":12286},"Run a UK-registered business (sole trader, partner, or limited company director)",[],{},{"_1946":1952,"_1948":12288,"_49":12289},{},[12290],{"_1946":1956,"_1957":12291,"_1959":12292,"_1948":12293},"Some will also ask you to pass a personal credit check as well as a business one, or request proof of steady cash flow. 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",[],{},{"_1946":1952,"_1948":12411,"_49":12412},{},[12413,12417,12425],{"_1946":1956,"_1957":12414,"_1959":12415,"_1948":12416},"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",[],{},{"_1946":2292,"_1948":12418,"_49":12420},{"_2283":12419},"https://www.money.co.uk/business/guides/how-to-improve-cash-flow",[12421],{"_1946":1956,"_1957":12422,"_1959":12423,"_1948":12424}," improve cash flow",[],{},{"_1946":1956,"_1957":12426,"_1959":12427,"_1948":12428}," by spreading out payment due dates.",[],{},{"_1946":1952,"_1948":12430,"_49":12431},{},[12432],{"_1946":1956,"_1957":12433,"_1959":12434,"_1948":12435},"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. 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For personalised advice and to maximise your deductions while staying compliant, consult a qualified ",[],{},{"_1946":2292,"_1948":12524,"_49":12526},{"_2283":12525},"https://www.money.co.uk/business/guides/tax-advisors-and-accountants",[12527],{"_1946":1956,"_1957":12528,"_1959":12529,"_1948":12530},"accountant or tax adviser",[],{},{"_1946":1956,"_1957":2513,"_1959":12532,"_1948":12533},[],{},{"_1793":12535,"_1798":12538,"_1837":12549},{"_1795":12536,"_1805":12537},[],[],{"_1808":12539,"_13":1813,"_1803":7499,"_1815":12541,"_1820":3026,"_1822":12543,"_1824":12544,"_1826":12544,"_1827":12545,"_1829":12546,"_1779":12547,"_1835":1836},{"_1798":12540},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12542},{"_13":1800,"_1801":1818,"_1803":7496},"2025-02-10T11:25:06.921Z","2026-05-16T13:18:03.747Z","2025-02-13T17:13:19.722Z",45,{"_1798":12548},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12550,"_1840":1841,"_1989":12551,"_2707":12552},"Business Loans forced journey test","platinum-ppc",{"_12553":12554,"_12565":12566,"_12567":12568,"_1989":12569,"_12570":12571,"_1885":12560},"steps",[12555],{"_1837":12556,"_12563":12564},[12557,12561],{"_47":12558,"_13":12559,"_1957":12560},"source","hidden","business-loans",{"_47":12562,"_13":12559,"_1957":286},"page","buttonProps",{"_4415":6937,"_1989":5949},"action",{"_6056":6125},"method","GET","simple","productId","fa532f9b-f932-4cf6-bc30-3764d59e98b8",{"_1793":12573,"_1798":12576,"_1837":12586},{"_1795":12574,"_1805":12575},[],[],{"_1808":12577,"_13":1813,"_1803":9056,"_1815":12579,"_1820":2261,"_1822":12581,"_1824":12582,"_1826":12582,"_1827":12583,"_1829":2265,"_1779":12584,"_1835":1836},{"_1798":12578},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12580},{"_13":1800,"_1801":1818,"_1803":1934},"2026-03-20T15:11:15.849Z","2026-04-29T09:42:14.872Z","2026-03-20T16:35:30.522Z",{"_1798":12585},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12587,"_1943":12588,"_49":12589,"_1840":1841},"BCA -- Is my money protected?","Is my money protected?",{"_1946":1947,"_1948":12590,"_49":12591},{},[12592],{"_1946":1952,"_1948":12593,"_49":12594},{},[12595,12599,12608],{"_1946":1956,"_1957":12596,"_1959":12597,"_1948":12598},"Most UK business bank accounts are protected by the ",[],{},{"_1946":2292,"_1948":12600,"_49":12602},{"_2283":12601},"https://www.fscs.org.uk/",[12603],{"_1946":1956,"_1957":12604,"_1959":12605,"_1948":12607},"FSCS",[12606],{"_13":2290},{},{"_1946":1956,"_1957":12609,"_1959":12610,"_1948":12611}," 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":12613,"_1798":12616,"_1837":12626},{"_1795":12614,"_1805":12615},[],[],{"_1808":12617,"_13":1813,"_1803":2236,"_1815":12619,"_1820":2265,"_1822":12621,"_1824":12622,"_1826":12622,"_1827":12623,"_1829":2110,"_1779":12624,"_1835":1836},{"_1798":12618},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12620},{"_13":1800,"_1801":1818,"_1803":2990},"2021-04-12T09:32:13.605Z","2026-01-28T11:38:09.635Z","2021-04-12T09:37:21.563Z",{"_1798":12625},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12627,"_1840":1841,"_2998":2999,"_1819":12628,"_12629":12630,"_5970":12631,"_3001":12632},"Sara Benwell","/authors/sara-benwell","twitterLink","https://twitter.com/sarabenwell","https://www.linkedin.com/in/sara-benwell-66a37b21/",{"_1798":12633},{"_13":1800,"_1801":2051,"_1803":12634},"2mT9nHQz9NUoVYHOJIJzzU",{"_1793":12636,"_1798":12639,"_1837":12649},{"_1795":12637,"_1805":12638},[],[],{"_1808":12640,"_13":1813,"_1803":4293,"_1815":12642,"_1820":2106,"_1822":12644,"_1824":12645,"_1826":12645,"_1827":12646,"_1829":4232,"_1779":12647,"_1835":1836},{"_1798":12641},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12643},{"_13":1800,"_1801":1818,"_1803":6043},"2026-01-19T11:54:54.441Z","2026-05-11T14:51:41.443Z","2026-01-27T13:42:39.613Z",{"_1798":12648},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12650,"_1840":1841,"_2707":12651},"Business Finance Credit Cards Products Schema Test",{"_12652":12653,"_6062":12654,"_6065":12658,"_12674":12675,"_12685":12686,"_12688":12689,"_6115":12691,"_6116":12692,"_12700":12701,"_12702":12703},"logo",{"_6056":6088},{"_1956":12655,"_1989":12656},{"_6056":6064},{"_1957":12657},"tertiary",[12659,12664,12669],{"_4415":12660,"_49":12662},{"_1957":12661},"Purchases",{"_6056":12663},"_source.definition.column_purchases",{"_4415":12665,"_49":12667},{"_1957":12666},"Annual fee",{"_6056":12668},"_source.definition.column_annual_fee",{"_4415":12670,"_49":12672},{"_1957":12671},"Representative APR (variable)",{"_6056":12673},"_source.definition.column_representative_apr_variable","keyInfo",[12676,12680],{"_6146":12677,"_1943":12679},{"_6056":12678},"_source.definition.usps",{"_1957":6141},{"_6146":12681,"_1943":12683},{"_6056":12682},"fees",{"_1957":12684},"Fees","provider",{"_6056":12687},"_source.definition.provider.name","footNotes",{"_6056":12690},"_source.definition.usp_representative_example",{"_1957":2261},[12693,12697],{"_34":12694,"_1956":12695},{"_6056":6125},{"_1957":12696},"Apply online",{"_34":12698,"_1956":12699},{"_6056":6120},{"_1957":6122},"displayName",{"_6056":6112},"cardFootnote",{"_6056":12704},"_source.definition.card_footnote",{"_1793":12706,"_1798":12709,"_1837":12719},{"_1795":12707,"_1805":12708},[],[],{"_1808":12710,"_13":1813,"_1803":6312,"_1815":12712,"_1820":3148,"_1822":12714,"_1824":12715,"_1826":12715,"_1827":12716,"_1829":3967,"_1779":12717,"_1835":1836},{"_1798":12711},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12713},{"_13":1800,"_1801":1818,"_1803":3334},"2023-06-02T13:32:46.804Z","2026-05-16T13:18:04.555Z","2023-06-14T14:10:56.830Z",{"_1798":12718},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":11472,"_1840":1841,"_1943":5102,"_3345":59,"_1989":1990,"_3347":12720},[12721,12723,12725,12727,12729,12731,12733,12736,12738,12740],{"_1798":12722},{"_13":1800,"_1801":1813,"_1803":2650},{"_1798":12724},{"_13":1800,"_1801":1813,"_1803":11958},{"_1798":12726},{"_13":1800,"_1801":1813,"_1803":2473},{"_1798":12728},{"_13":1800,"_1801":1813,"_1803":11876},{"_1798":12730},{"_13":1800,"_1801":1813,"_1803":4007},{"_1798":12732},{"_13":1800,"_1801":1813,"_1803":4580},{"_1798":12734},{"_13":1800,"_1801":1813,"_1803":12735},"tcURnIgvEr0HHdVzR3CXs",{"_1798":12737},{"_13":1800,"_1801":1813,"_1803":9578},{"_1798":12739},{"_13":1800,"_1801":1813,"_1803":5369},{"_1798":12741},{"_13":1800,"_1801":1813,"_1803":3622},{"_1793":12743,"_1798":12746,"_1837":12756},{"_1795":12744,"_1805":12745},[],[],{"_1808":12747,"_13":1813,"_1803":9062,"_1815":12749,"_1820":2261,"_1822":12751,"_1824":12752,"_1826":12752,"_1827":12753,"_1829":3867,"_1779":12754,"_1835":1836},{"_1798":12748},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12750},{"_13":1800,"_1801":1818,"_1803":1934},"2026-03-20T15:14:11.980Z","2026-04-29T09:42:14.904Z","2026-03-20T16:35:30.560Z",{"_1798":12755},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12757,"_1943":12758,"_49":12759,"_1840":1841},"BCA -- Are there limits on transactions, and can I open multiple accounts?","Are there limits on transactions, and can I open multiple accounts?",{"_1946":1947,"_1948":12760,"_49":12761},{},[12762,12769],{"_1946":1952,"_1948":12763,"_49":12764},{},[12765],{"_1946":1956,"_1957":12766,"_1959":12767,"_1948":12768},"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.",[],{},{"_1946":1952,"_1948":12770,"_49":12771},{},[12772],{"_1946":1956,"_1957":12773,"_1959":12774,"_1948":12775},"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. If you run more than one business, a separate account for each might also make accounting and reporting significantly cleaner.",[],{},{"_1793":12777,"_1798":12780,"_1837":12790},{"_1795":12778,"_1805":12779},[],[],{"_1808":12781,"_13":1813,"_1803":6296,"_1815":12783,"_1820":2132,"_1822":12785,"_1824":12786,"_1826":12786,"_1827":12787,"_1829":4730,"_1779":12788,"_1835":1836},{"_1798":12782},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12784},{"_13":1800,"_1801":1818,"_1803":2131},"2025-07-16T10:51:45.968Z","2026-05-16T13:18:04.426Z","2025-07-17T14:39:18.301Z",{"_1798":12789},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":11464,"_1840":1841,"_2141":12791,"_2169":2338,"_2339":2340,"_2171":12806,"_2179":59,"_2181":222,"_5948":12815,"_5950":5951},{"_1948":12792,"_49":12793,"_1946":1947},{},[12794,12800],{"_1948":12795,"_49":12796,"_1946":2331},{},[12797],{"_1948":12798,"_1959":12799,"_1957":2330,"_1946":1956},{},[],{"_1948":12801,"_49":12802,"_1946":1952},{},[12803],{"_1948":12804,"_1959":12805,"_1957":9,"_1946":1956},{},[],[12807,12809,12811,12813],{"_1798":12808},{"_13":1800,"_1801":1813,"_1803":2374},{"_1798":12810},{"_13":1800,"_1801":1813,"_1803":5985},{"_1798":12812},{"_13":1800,"_1801":1813,"_1803":1969},{"_1798":12814},{"_13":1800,"_1801":1813,"_1803":12016},"featured",{"_1793":12817,"_1798":12820,"_1837":12829},{"_1795":12818,"_1805":12819},[],[],{"_1808":12821,"_13":1813,"_1803":3784,"_1815":12823,"_1820":2041,"_1822":12825,"_1824":12826,"_1779":12827,"_1835":1836},{"_1798":12822},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12824},{"_13":1800,"_1801":1818,"_1803":1979},"2026-05-22T09:17:22.178Z","2026-05-22T10:15:03.182Z",{"_1798":12828},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12830,"_1840":1841,"_1989":1990,"_2141":12831,"_49":12846},"How to improve your chances of getting a business credit card",{"_1948":12832,"_49":12833,"_1946":1947},{},[12834,12840],{"_1948":12835,"_49":12836,"_1946":2331},{},[12837],{"_1948":12838,"_1959":12839,"_1957":12830,"_1946":1956},{},[],{"_1948":12841,"_49":12842,"_1946":1952},{},[12843],{"_1948":12844,"_1959":12845,"_1957":9,"_1946":1956},{},[],{"_1946":1947,"_1948":12847,"_49":12848},{},[12849,12856,12918],{"_1946":1952,"_1948":12850,"_49":12851},{},[12852],{"_1946":1956,"_1957":12853,"_1959":12854,"_1948":12855},"Here are the five most effective ways to boost your chances of getting approved:",[],{},{"_1946":2824,"_1948":12857,"_49":12858},{},[12859,12874,12885,12896,12907],{"_1946":2828,"_1948":12860,"_49":12861},{},[12862],{"_1946":1952,"_1948":12863,"_49":12864},{},[12865,12870],{"_1946":1956,"_1957":12866,"_1959":12867,"_1948":12869},"Use your business bank account: ",[12868],{"_13":2838},{},{"_1946":1956,"_1957":12871,"_1959":12872,"_1948":12873},"Use your account regularly to prove your turnover over a sustained period of time.",[],{},{"_1946":2828,"_1948":12875,"_49":12876},{},[12877],{"_1946":1952,"_1948":12878,"_49":12879},{},[12880],{"_1946":1956,"_1957":12881,"_1959":12882,"_1948":12884},"Better cashflow visibility: ",[12883],{"_13":2838},{},{"_1946":2828,"_1948":12886,"_49":12887},{},[12888],{"_1946":1952,"_1948":12889,"_49":12890},{},[12891],{"_1946":1956,"_1957":12892,"_1959":12893,"_1948":12895},"Simplify tax reporting: ",[12894],{"_13":2838},{},{"_1946":2828,"_1948":12897,"_49":12898},{},[12899],{"_1946":1952,"_1948":12900,"_49":12901},{},[12902],{"_1946":1956,"_1957":12903,"_1959":12904,"_1948":12906},"Stick to the terms of your accounts: ",[12905],{"_13":2838},{},{"_1946":2828,"_1948":12908,"_49":12909},{},[12910],{"_1946":1952,"_1948":12911,"_49":12912},{},[12913],{"_1946":1956,"_1957":12914,"_1959":12915,"_1948":12917},"Build business credit history: ",[12916],{"_13":2838},{},{"_1946":1952,"_1948":12919,"_49":12920},{},[12921],{"_1946":1956,"_1957":9,"_1959":12922,"_1948":12923},[],{},{"_1793":12925,"_1798":12928,"_1837":12938},{"_1795":12926,"_1805":12927},[],[],{"_1808":12929,"_13":1813,"_1803":9053,"_1815":12931,"_1820":2261,"_1822":12933,"_1824":12934,"_1826":12934,"_1827":12935,"_1829":2265,"_1779":12936,"_1835":1836},{"_1798":12930},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12932},{"_13":1800,"_1801":1818,"_1803":1934},"2026-03-20T15:10:13.670Z","2026-04-29T09:42:14.856Z","2026-03-20T16:35:30.508Z",{"_1798":12937},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12939,"_1943":12940,"_49":12941,"_1840":1841},"BCA -- What fees should I expect?","What fees should I expect?",{"_1946":1947,"_1948":12942,"_49":12943},{},[12944,12951,13029],{"_1946":1952,"_1948":12945,"_49":12946},{},[12947],{"_1946":1956,"_1957":12948,"_1959":12949,"_1948":12950},"Common charges to look out for include:",[],{},{"_1946":2824,"_1948":12952,"_49":12953},{},[12954,12969,12984,12999,13014],{"_1946":2828,"_1948":12955,"_49":12956},{},[12957],{"_1946":1952,"_1948":12958,"_49":12959},{},[12960,12965],{"_1946":1956,"_1957":12961,"_1959":12962,"_1948":12964},"Monthly maintenance fees:",[12963],{"_13":2838},{},{"_1946":1956,"_1957":12966,"_1959":12967,"_1948":12968}," A fixed charge for maintaining your account.",[],{},{"_1946":2828,"_1948":12970,"_49":12971},{},[12972],{"_1946":1952,"_1948":12973,"_49":12974},{},[12975,12980],{"_1946":1956,"_1957":12976,"_1959":12977,"_1948":12979},"Transaction fees:",[12978],{"_13":2838},{},{"_1946":1956,"_1957":12981,"_1959":12982,"_1948":12983}," Costs for deposits, withdrawals, and payments.",[],{},{"_1946":2828,"_1948":12985,"_49":12986},{},[12987],{"_1946":1952,"_1948":12988,"_49":12989},{},[12990,12995],{"_1946":1956,"_1957":12991,"_1959":12992,"_1948":12994},"Overdraft charges:",[12993],{"_13":2838},{},{"_1946":1956,"_1957":12996,"_1959":12997,"_1948":12998}," Fees for accessing overdraft facilities.",[],{},{"_1946":2828,"_1948":13000,"_49":13001},{},[13002],{"_1946":1952,"_1948":13003,"_49":13004},{},[13005,13010],{"_1946":1956,"_1957":13006,"_1959":13007,"_1948":13009},"International transfer fees:",[13008],{"_13":2838},{},{"_1946":1956,"_1957":13011,"_1959":13012,"_1948":13013}," Charges for sending or receiving money abroad.",[],{},{"_1946":2828,"_1948":13015,"_49":13016},{},[13017],{"_1946":1952,"_1948":13018,"_49":13019},{},[13020,13025],{"_1946":1956,"_1957":13021,"_1959":13022,"_1948":13024},"Debit card usage fees:",[13023],{"_13":2838},{},{"_1946":1956,"_1957":13026,"_1959":13027,"_1948":13028}," Costs for using your business debit card, especially abroad.",[],{},{"_1946":1952,"_1948":13030,"_49":13031},{},[13032],{"_1946":1956,"_1957":13033,"_1959":13034,"_1948":13035},"Some accounts offer free banking for an introductory period.",[],{},{"_1793":13037,"_1798":13040,"_1837":13050},{"_1795":13038,"_1805":13039},[],[],{"_1808":13041,"_13":1813,"_1803":9059,"_1815":13043,"_1820":2261,"_1822":13045,"_1824":13046,"_1826":13046,"_1827":13047,"_1829":3867,"_1779":13048,"_1835":1836},{"_1798":13042},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13044},{"_13":1800,"_1801":1818,"_1803":1934},"2026-03-20T15:12:16.269Z","2026-04-29T09:42:14.888Z","2026-03-20T16:35:30.540Z",{"_1798":13049},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13051,"_1943":13052,"_49":13053,"_1840":1841},"BCA -- Can I get an overdraft?","Can I get an overdraft?",{"_1948":13054,"_49":13055,"_1946":1947},{},[13056,13075,13091],{"_1948":13057,"_49":13058,"_1946":1952},{},[13059,13062,13071],{"_1948":13060,"_1959":13061,"_1957":7110,"_1946":1956},{},[],{"_1948":13063,"_49":13065,"_1946":2292},{"_2283":13064},"https://www.money.co.uk/business/bank-accounts/business-overdraft",[13066],{"_1948":13067,"_1959":13068,"_1957":13070,"_1946":1956},{},[13069],{"_13":2290},"business overdraft",{"_1948":13072,"_1959":13073,"_1957":13074,"_1946":1956},{},[]," isn’t guaranteed. You’ll generally need to pass a credit check first, and the limit offered will depend on both your financial circumstances and the provider’s assessment of your business.",{"_1948":13076,"_49":13077,"_1946":1952},{},[13078,13082,13088],{"_1948":13079,"_1959":13080,"_1957":13081,"_1946":1956},{},[],"If approved, an agreed overdraft typically comes with lower fees and interest than going overdrawn without one. Without an arrangement in place, providers can apply higher charges and refuse transactions altogether. Repeated unauthorised overdrafts can damage your ",{"_1948":13083,"_49":13084,"_1946":2292},{"_2283":5752},[13085],{"_1948":13086,"_1959":13087,"_1957":12305,"_1946":1956},{},[],{"_1948":13089,"_1959":13090,"_1957":2513,"_1946":1956},{},[],{"_1948":13092,"_49":13093,"_1946":1952},{},[13094],{"_1948":13095,"_1959":13096,"_1957":13097,"_1946":1956},{},[],"If you think you’ll need one, it’s worth discussing it with your provider before you’re in the situation where you need it.",{"_1793":13099,"_1798":13102,"_1837":13112},{"_1795":13100,"_1805":13101},[],[],{"_1808":13103,"_13":1813,"_1803":1860,"_1815":13105,"_1820":1980,"_1822":13107,"_1824":13108,"_1826":13108,"_1827":13109,"_1829":2486,"_1779":13110,"_1835":1836},{"_1798":13104},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13106},{"_13":1800,"_1801":1818,"_1803":3814},"2020-05-04T11:30:40.480Z","2025-12-01T20:30:11.107Z","2020-05-04T11:30:47.306Z",{"_1798":13111},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13113,"_1840":1841},"Business guides",{"_1793":13115,"_1798":13118,"_1837":13128},{"_1795":13116,"_1805":13117},[],[],{"_1808":13119,"_13":1813,"_1803":3698,"_1815":13121,"_1820":2216,"_1822":13123,"_1824":13124,"_1826":13124,"_1827":13125,"_1829":3267,"_1779":13126,"_1835":1836},{"_1798":13120},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13122},{"_13":1800,"_1801":1818,"_1803":2131},"2026-02-03T15:05:11.659Z","2026-02-17T12:06:35.126Z","2026-02-03T17:06:38.411Z",{"_1798":13127},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13129,"_1840":1841,"_2169":2170,"_2171":13130,"_2179":59,"_2180":16,"_2181":222},"Business credit Credit Cards new billboard",[13131,13133],{"_1798":13132},{"_13":1800,"_1801":1813,"_1803":9512},{"_1798":13134},{"_13":1800,"_1801":1813,"_1803":6858},{"_1793":13136,"_1798":13139,"_1837":13149},{"_1795":13137,"_1805":13138},[],[],{"_1808":13140,"_13":1813,"_1803":6398,"_1815":13142,"_1820":3335,"_1822":13144,"_1824":13145,"_1826":13145,"_1827":13146,"_1829":2136,"_1779":13147,"_1835":1836},{"_1798":13141},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13143},{"_13":1800,"_1801":1818,"_1803":1979},"2025-02-13T09:55:18.911Z","2026-04-29T09:42:14.355Z","2025-02-13T09:55:40.077Z",{"_1798":13148},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13150,"_1840":1841,"_49":13151},"Table header for BCA ",{"_1946":1947,"_1948":13152,"_49":13153},{},[13154,13161,13168],{"_1946":2331,"_1948":13155,"_49":13156},{},[13157],{"_1946":1956,"_1957":13158,"_1959":13159,"_1948":13160},"Compare our best business bank accounts for May 2026",[],{},{"_1946":1952,"_1948":13162,"_49":13163},{},[13164],{"_1946":1956,"_1957":13165,"_1959":13166,"_1948":13167},"Whether you’re looking for a free account or one with extra benefits, we can help you find the right fit. 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Accurate as of 14/01/26.",[],{},{"_1793":13235,"_1798":13238,"_1837":13248},{"_1795":13236,"_1805":13237},[],[],{"_1808":13239,"_13":1813,"_1803":3753,"_1815":13241,"_1820":2265,"_1822":13243,"_1824":13244,"_1826":13244,"_1827":13245,"_1829":1980,"_1779":13246,"_1835":1836},{"_1798":13240},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13242},{"_13":1800,"_1801":1818,"_1803":2361},"2025-11-27T16:24:34.448Z","2026-03-17T18:20:52.187Z","2025-11-27T16:40:35.511Z",{"_1798":13247},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13249,"_1840":1841,"_1989":4735,"_2372":13250,"_2447":1786},"Platinum - Business Credit Cards Result Case Study 2",{"_4737":13251,"_3512":13252,"_4239":13253,"_4740":13254,"_4742":13255},"Our Capital on Tap business credit card helps us manage cash flow, especially during periods of uneven income due to seasonality or unexpected expenses. Plus, it connects to QuickBooks, so simplifies book-keeping and expense tracking.","https://img.money.co.uk/t014ej9w3ur1/5otkqAw9hQs6N8oEUUmlP8/cd2eb6b5a21effc66766d17dc01f9eca/CHandCRforMoneycouk.png?auto=format%2Ccompress&q=45&ixlib=react-9.8.1&w=2400","Read Modern Art Distillery case study","Catharine Russell, Modern Art Distillery","https://www.money.co.uk/business/case-studies/modern-art-distillery",{"_1793":13257,"_1798":13260,"_1837":13270},{"_1795":13258,"_1805":13259},[],[],{"_1808":13261,"_13":1813,"_1803":2472,"_1815":13263,"_1820":3867,"_1822":13265,"_1824":13266,"_1826":13266,"_1827":13267,"_1829":4726,"_1779":13268,"_1835":1836},{"_1798":13262},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13264},{"_13":1800,"_1801":1818,"_1803":2458},"2023-06-16T10:32:39.058Z","2026-05-04T08:19:20.629Z","2023-06-16T10:34:30.152Z",{"_1798":13269},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13271,"_1840":1841,"_2466":2750,"_2468":304,"_2469":13272},"Platinum - Business Credit Cards - Hub",{"_1798":13273},{"_13":1800,"_1801":1813,"_1803":8720},{"_1793":13275,"_1798":13278,"_1837":13288},{"_1795":13276,"_1805":13277},[],[],{"_1808":13279,"_13":1813,"_1803":5692,"_1815":13281,"_1820":2083,"_1822":13283,"_1824":13284,"_1826":13284,"_1827":13285,"_1829":2216,"_1779":13286,"_1835":1836},{"_1798":13280},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13282},{"_13":1800,"_1801":1818,"_1803":7542},"2020-05-05T13:34:46.612Z","2023-04-20T12:22:30.757Z","2020-05-05T13:36:34.763Z",{"_1798":13287},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":4761,"_49":13289,"_1840":1841},{"_1948":13290,"_49":13291,"_1946":1947},{},[13292,13297],{"_1948":13293,"_49":13296,"_1946":2001},{"_1996":13294},{"_1798":13295},{"_1803":11111,"_13":1800,"_1801":1813},[],{"_1948":13298,"_49":13299,"_1946":1952},{},[13300],{"_1948":13301,"_1959":13302,"_1957":9,"_1946":1956},{},[],{"_1793":13304,"_1798":13307,"_1837":13317},{"_1795":13305,"_1805":13306},[],[],{"_1808":13308,"_13":1813,"_1803":5947,"_1815":13310,"_1820":2261,"_1822":13312,"_1824":13313,"_1826":13313,"_1827":13314,"_1829":1938,"_1779":13315,"_1835":1836},{"_1798":13309},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13311},{"_13":1800,"_1801":1818,"_1803":2192},"2026-04-24T09:28:56.151Z","2026-05-16T13:18:03.905Z","2026-04-24T16:59:22.214Z",{"_1798":13316},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":2198,"_49":13318,"_1840":1841},{"_1798":13319},{"_13":1800,"_1801":1813,"_1803":13320},"33BhDaZdEJjKRwWBD9LAVh",{"_1793":13322,"_1798":13325,"_1837":13335},{"_1795":13323,"_1805":13324},[],[],{"_1808":13326,"_13":1813,"_1803":9050,"_1815":13328,"_1820":2132,"_1822":13330,"_1824":13331,"_1826":13331,"_1827":13332,"_1829":3335,"_1779":13333,"_1835":1836},{"_1798":13327},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13329},{"_13":1800,"_1801":1818,"_1803":1934},"2025-02-11T15:26:02.772Z","2026-04-29T09:42:14.841Z","2025-02-11T18:12:00.592Z",{"_1798":13334},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13336,"_1943":13337,"_49":13338,"_1840":1841},"BCA- How long does it take to open a business bank account?","How long does it take to open a business account?",{"_1948":13339,"_49":13340,"_1946":1947},{},[13341,13348,13355],{"_1948":13342,"_49":13343,"_1946":1952},{},[13344],{"_1948":13345,"_1959":13346,"_1957":13347,"_1946":1956},{},[],"Opening a business bank account typically takes between one and four weeks, though the process can be faster depending on the bank and your business type. Some banks even offer same-day account opening.",{"_1948":13349,"_49":13350,"_1946":1952},{},[13351],{"_1948":13352,"_1959":13353,"_1957":13354,"_1946":1956},{},[],"Factors that can affect the timeline include your business structure (sole traders usually take less time), your relationship with the bank, and the application method. Some banks offer faster services, and non-residents or high-risk businesses may experience longer processing times.",{"_1948":13356,"_49":13357,"_1946":1952},{},[13358],{"_1948":13359,"_1959":13360,"_1957":13361,"_1946":1956},{},[],"Once your application is submitted, the bank will conduct background checks and may contact you for additional information. ",{"_1793":13363,"_1798":13366,"_1837":13376},{"_1795":13364,"_1805":13365},[],[],{"_1808":13367,"_13":1813,"_1803":5490,"_1815":13369,"_1820":1980,"_1822":13371,"_1824":13372,"_1826":13372,"_1827":13373,"_1829":12354,"_1779":13374,"_1835":1836},{"_1798":13368},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13370},{"_13":1800,"_1801":1818,"_1803":1934},"2024-05-23T12:36:57.592Z","2026-04-01T10:08:30.316Z","2024-05-23T12:40:43.730Z",{"_1798":13375},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13377,"_1943":13378,"_49":13379,"_1840":1841},"Platinum - Business - Business Credit Cards - New company","Can I get a business credit card as a startup?",{"_1948":13380,"_49":13381,"_1946":1947},{},[13382,13400,13419,13438],{"_1948":13383,"_49":13384,"_1946":1952},{},[13385,13389,13396],{"_1948":13386,"_1959":13387,"_1957":13388,"_1946":1956},{},[],"Yes, startups and new businesses in the UK can apply for a business credit card. A business credit card can be an essential tool for ",{"_1948":13390,"_49":13391,"_1946":2292},{"_2283":12419},[13392],{"_1948":13393,"_1959":13394,"_1957":13395,"_1946":1956},{},[],"optimising cash flow",{"_1948":13397,"_1959":13398,"_1957":13399,"_1946":1956},{},[]," and covering initial business expenses in the early stages. ",{"_1948":13401,"_49":13402,"_1946":1952},{},[13403,13407,13415],{"_1948":13404,"_1959":13405,"_1957":13406,"_1946":1956},{},[],"However, as a new company, you may be required to ",{"_1948":13408,"_49":13410,"_1946":2292},{"_2283":13409},"https://www.money.co.uk/business/business-credit-cards/what-you-need-for-business-credit-card",[13411],{"_1948":13412,"_1959":13413,"_1957":13414,"_1946":1956},{},[],"provide additional information",{"_1948":13416,"_1959":13417,"_1957":13418,"_1946":1956},{},[]," to demonstrate your ability to meet repayment obligations. ",{"_1948":13420,"_49":13421,"_1946":1952},{},[13422,13426,13434],{"_1948":13423,"_1959":13424,"_1957":13425,"_1946":1956},{},[],"To assess your eligibility, the provider may conduct a personal credit check (",{"_1948":13427,"_49":13429,"_1946":2292},{"_2283":13428},"https://www.money.co.uk/business/business-credit-cards/can-you-get-a-business-credit-card-as-a-sole-trader",[13430],{"_1948":13431,"_1959":13432,"_1957":13433,"_1946":1956},{},[],"especially if you're a sole trader",{"_1948":13435,"_1959":13436,"_1957":13437,"_1946":1956},{},[]," or have personal liability), request company financial statements, and ask for details about your business assets. This will help the provider determine your credit limit and the terms of your card. 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Some UK business loans are secured, meaning you pledge assets like property, equipment, or inventory as collateral. Secured loans often offer lower interest rates and higher borrowing limits.",{"_1948":13622,"_49":13623,"_1946":1952},{},[13624],{"_1948":13625,"_1959":13626,"_1957":13627,"_1946":1956},{},[],"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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apply.","card_fee_monthly_pounds_numeric","card_fee_monthly_percent_numeric","card_fee_annual_ongoing_pounds_numeric","card_fee_annual_ongoing_percent_numeric",{"_1841":14333,"_14123":14358,"_14258":14364},{"_6096":14334,"_14339":14340,"_14224":14344,"_14348":14349,"_14353":14354},{"_1803":14335,"_14227":-5,"_14228":14336,"_14230":1786,"_14231":14337,"_14233":14338},"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",{"_1803":14341,"_14227":-5,"_14228":14336,"_14230":59,"_14231":14342,"_14233":14343},"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",{"_1803":14345,"_14227":-5,"_14228":14336,"_14230":59,"_14231":14346,"_14233":14347},"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",{"_1803":14350,"_14227":-5,"_14228":14336,"_14230":59,"_14231":14351,"_14233":14352},"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",{"_1803":14355,"_14227":-5,"_14228":14336,"_14230":59,"_14231":14356,"_14233":14357},"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",{"_6096":14359},{"_1803":14360,"_14227":-5,"_14228":14361,"_14230":59,"_14231":14362,"_14233":14363},"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",{"_14224":14365},{"_1803":14366,"_14227":-5,"_14228":14367,"_14230":59,"_14231":14368,"_14233":14369},"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",{"_1841":2459,"_14123":4642,"_14258":2459},"61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef","2026-05-22T01:50:54.900Z",[2459],{"_14102":14250,"_14104":14375,"_14105":-5,"_14106":14376,"_2567":14431},"38888122-37e0-4c56-b9c2-e92846587c01",{"_1803":14375,"_14108":14109,"_14110":2574,"_7460":2574,"_14111":14377,"_14116":14380,"_14134":14385,"_3599":14404,"_14235":14428,"_2563":-5,"_14237":-5,"_14238":-5,"_14239":59,"_14240":14429,"_14242":14430},{"_14123":14378,"_1841":14379},{"_14114":4794},{"_14114":6923},{"_1803":14381,"_7460":2574,"_12685":14382,"_14126":14384,"_14269":14267,"_14270":59,"_14134":14385,"_14272":14384,"_14142":14143,"_14273":14386,"_14275":14278,"_14277":14387,"_14279":14388,"_14281":14389,"_14148":2574,"_14284":14390,"_14286":14391,"_14288":14289,"_14290":14291,"_14292":14293,"_14204":14392,"_14294":14295,"_14205":14393,"_14297":14394,"_14299":14395,"_14301":14302,"_14305":14396,"_14307":59,"_14308":14397,"_14309":14298,"_14311":14398,"_14313":14399,"_14315":59,"_14162":14392,"_14163":14393,"_14316":14398,"_14317":14399,"_14318":14400,"_14320":14321,"_14322":14401,"_14324":14402,"_14326":14403,"_14310":-5,"_14328":-5,"_14329":-5,"_14330":-5,"_14331":-5},"0000000000",{"_1803":14263,"_12652":14383,"_47":14267},{"_1841":14265,"_14123":14266},"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",[14390,14391,14289,14291],"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.",{"_1841":14405,"_14123":14423},{"_6096":14406,"_14224":14411,"_14348":14415,"_14353":14419},{"_1803":14407,"_14227":-5,"_14228":14408,"_14230":1786,"_14231":14409,"_14233":14410},"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",{"_1803":14412,"_14227":-5,"_14228":14408,"_14230":59,"_14231":14413,"_14233":14414},"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",{"_1803":14416,"_14227":-5,"_14228":14408,"_14230":59,"_14231":14417,"_14233":14418},"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",{"_1803":14420,"_14227":-5,"_14228":14408,"_14230":59,"_14231":14421,"_14233":14422},"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",{"_6096":14424},{"_1803":14425,"_14227":-5,"_14228":14361,"_14230":59,"_14231":14426,"_14233":14427},"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",{"_1841":9107,"_14123":4642},"38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8","2026-05-22T01:50:56.296Z",[9107],{"_14102":14250,"_14104":14433,"_14105":-5,"_14106":14434,"_2567":14476},"14d9d1c1-e024-4c73-9ccc-cf97d70f7923",{"_1803":14433,"_14108":14109,"_14110":2574,"_7460":2574,"_14111":14435,"_14116":14439,"_14134":14448,"_3599":14462,"_14235":14473,"_2563":-5,"_14237":-5,"_14238":-5,"_14239":59,"_14240":14474,"_14242":14475},{"_14123":14436,"_1841":14437},{"_14114":3335},{"_14114":14438},475,{"_1803":14440,"_7460":2574,"_12685":14441,"_14126":14447,"_14269":14446,"_14270":59,"_14134":14448,"_14272":14447,"_14142":14143,"_14281":14449,"_14148":2574,"_14284":14450,"_14286":14451,"_14288":14289,"_14290":14452,"_14204":14453,"_14294":14295,"_14205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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",[14450,14451,14289,14452],{"_1841":14463},{"_6096":14464,"_14339":14469},{"_1803":14465,"_14227":-5,"_14228":14466,"_14230":59,"_14231":14467,"_14233":14468},"b5c72503-c142-4521-8d3e-8bd572c4d22e","1000043703","994390","https://www.money.co.uk/clk/14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777/money/business-credit-cards?r=https%3A%2F%2Ffundingcircle.sjv.io%2Fc%2F23518%2F2698293%2F27836%3Fprodsku%3DCashback&category=business-credit-cards&supplier=Funding+Circle&product_name=Funding+Circle+Business+Cashback+Credit+Card&pid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923&ln=default&upvid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777&ucvid=1000043703&ulvid=994390&link_id=b5c72503-c142-4521-8d3e-8bd572c4d22e&sig=66a19b6821717267235ad107756313c798243b31f395808c09dc635eb0daa998",{"_1803":14470,"_14227":-5,"_14228":14466,"_14230":1786,"_14231":14471,"_14233":14472},"1bc7aeba-ea71-4f6b-bcb7-8b7938076751","994391","https://www.money.co.uk/clk/14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777/money/business-credit-cards?r=https%3A%2F%2Fwww.fundingcircle.com%2Fuk%2Fpayments%2Fcashback%2F%3Futm_source%3DMoneyCoUK%26utm_medium%3DAffiliate%26utm_campaign%3DMoney_Hero_CBC%26thirdpartyid%3D%7Bclick_ref%7D&category=business-credit-cards&supplier=Funding+Circle&product_name=Funding+Circle+Business+Cashback+Credit+Card&pid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923&ln=tenancy&upvid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777&ucvid=1000043703&ulvid=994391&link_id=1bc7aeba-ea71-4f6b-bcb7-8b7938076751&sig=43a47daa877980a9daaae20939576b17b4856cabc452362ef8904443727d5012",{"_1841":3339},"14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777","2026-05-22T01:50:50.800Z",[3339],{"_14102":14250,"_14104":14478,"_14105":-5,"_14106":14479,"_2567":14548},"bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97",{"_1803":14478,"_14108":14109,"_14110":2574,"_7460":2574,"_14111":14480,"_14116":14484,"_14134":14493,"_3599":14525,"_14235":14544,"_2563":-5,"_14237":-5,"_14238":-5,"_14239":59,"_14240":14546,"_14242":14547},{"_14123":14481,"_1841":14482},{"_14114":4642},{"_14114":14483},352,{"_1803":14485,"_7460":2574,"_12685":14486,"_14126":14492,"_14270":59,"_14134":14493,"_14494":14495,"_14272":14492,"_14142":14143,"_14281":14496,"_14148":2574,"_14284":14497,"_14286":14498,"_14288":14499,"_14290":14500,"_14292":14501,"_14204":14502,"_14205":14503,"_14504":59,"_14505":14506,"_14507":1786,"_14508":59,"_14509":59,"_14299":14510,"_14303":14511,"_14305":9,"_14307":59,"_14308":14512,"_14513":2041,"_14514":14515,"_14516":2041,"_14311":14517,"_14313":14517,"_14162":14502,"_14163":14503,"_14316":14517,"_14318":14518,"_14320":14519,"_14322":14519,"_14520":14521,"_14522":14523,"_14324":14524,"_14326":14517,"_14269":-5,"_14294":-5,"_14297":-5,"_14309":-5,"_14310":-5,"_14328":-5,"_14329":-5,"_14317":-5,"_14330":-5,"_14331":-5,"_14273":-5,"_14275":-5,"_14277":-5,"_14279":-5,"_14301":-5},"88736572",{"_1803":14487,"_12652":14488,"_47":14491},"7461c261-c040-4df0-931e-65905ecbf950",{"_1841":14489,"_14123":14490},"https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/provider/logos/Moss-logo-full-black.png","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/provider/logos/Moss-logo-full-black.png","Moss","Spend management platform - Xero, Sage & QuickBooks sync, no per-user fees. Up to 0.5% cashback.","Moss Business Credit Card","uk_residency","UK address required","-","0% interest - repay full balance in up to 30 days, no option to carry a balance","Set spend rules per card - limits, merchants, days and times","Automated receipt capture and AI-powered transaction coding","Good for UK finance teams with 25+ employees - no per-user fees","Up to £2.5 million","https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/product/credit-cards/Moss_card_2026.png","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/product/credit-cards/Moss_card_2026.png","available_to_charities","minimum_annual_turnover",2000000,"rewards_points_available","available_to_partnerships","available_to_sole_traders","Interest rates are not applicable to Charge cards","Employees request cards in seconds. You then approve, block or restrict as necessary. Business owners can view all spend in a detailed, real-time and responsive overview. Ideal for companies with 10+ employees or £2 million annual turnover.",2400,"minimum_trading_history_months","accounting_software_integrations","Sage, XERO, exact, DATEV, Quickbooks, Netsuite, Microsoft Dynamics Business Central and others.","foreign_transaction_fee_percentage","0% interest. Mastercard® World Elite Business Credit Card. Repay full balance in up to 30 days - no option to carry a balance. Credit subject to KYC and eligibility assessment. T&Cs apply.","£2,400","N/A","column_minimum_trading_history","No min trading history","column_minimum_annual_turnover","£2,000,000",[14497,14498,14499,14500],{"_1841":14526},{"_6096":14527,"_14224":14532,"_14348":14536,"_14353":14540},{"_1803":14528,"_14227":-5,"_14228":14529,"_14230":59,"_14231":14530,"_14233":14531},"b816e76f-3854-4262-bb1b-8d283922b7e6","1000045489","999063","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.financeads.net%2Ftc.php%3Ft%3D62682C4744115220T%26rvu_click_ref%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=default&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999063&link_id=b816e76f-3854-4262-bb1b-8d283922b7e6&sig=b853813441fbb5162b3307b0bc29f909842bde856ab038f9125e1a8f5aeea672",{"_1803":14533,"_14227":-5,"_14228":14529,"_14230":59,"_14231":14534,"_14233":14535},"598dd199-3a8a-46d2-b487-5fe9ebfcb3e0","999061","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fmoss%3Fclickref%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=application&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999061&link_id=598dd199-3a8a-46d2-b487-5fe9ebfcb3e0&sig=5cc344a358b1aca48f3b7bc4d407ca1e2cb0c97238f5d4bc44c7f09e65e2f7bd",{"_1803":14537,"_14227":-5,"_14228":14529,"_14230":59,"_14231":14538,"_14233":14539},"a2ed1ecc-d5d6-40d4-907c-4894f000a9a5","999062","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=post-application&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999062&link_id=a2ed1ecc-d5d6-40d4-907c-4894f000a9a5&sig=bcf8fd3c57760f853298da4d045ffc136a6f462feba73d5e6ee66eefcbe45cd9",{"_1803":14541,"_14227":-5,"_14228":14529,"_14230":59,"_14231":14542,"_14233":14543},"97b462d9-46e3-4651-b1d3-67b53c035916","999064","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=application_completed&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999064&link_id=97b462d9-46e3-4651-b1d3-67b53c035916&sig=bcf8fd3c57760f853298da4d045ffc136a6f462feba73d5e6ee66eefcbe45cd9",{"_1841":14545},65,"bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76","2026-05-22T01:50:53.449Z",[14545],{"_14102":14250,"_14104":14550,"_14105":-5,"_14106":14551,"_2567":14606},"90bdb5bb-a4eb-4224-830b-1bc488e50b02",{"_1803":14550,"_14108":14109,"_14110":2574,"_7460":2574,"_14111":14552,"_14116":14555,"_14134":14565,"_3599":14586,"_14235":14602,"_2563":-5,"_14237":-5,"_14238":-5,"_14239":59,"_14240":14604,"_14242":14605},{"_1841":14553},{"_14114":14554},92,{"_1803":14556,"_7460":2574,"_12685":14557,"_14126":14563,"_14269":14564,"_14270":59,"_14134":14565,"_14272":14566,"_14142":14143,"_14273":14567,"_14275":14568,"_14277":14569,"_14279":14570,"_14281":14496,"_14148":2574,"_14284":14569,"_14286":14571,"_14288":14572,"_14290":14573,"_14292":14574,"_14204":14575,"_14294":14295,"_14205":14576,"_14297":14577,"_14299":14578,"_14303":9,"_14305":9,"_14308":14579,"_14309":14580,"_14311":14581,"_14162":14575,"_14163":14576,"_14316":14581,"_14318":14582,"_14320":14583,"_14322":14584,"_14324":14585,"_14326":14581,"_14313":-5,"_14310":-5,"_14328":-5,"_14329":-5,"_14317":-5,"_14330":-5,"_14331":-5,"_14301":-5},"25001",{"_1803":14558,"_12652":14559,"_47":14562},"7721c3e4-07de-43cf-84c3-e23e2c8cbb59",{"_1841":14560,"_14123":14561},"https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/provider/logos/british_airways_2021.png","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/provider/logos/british_airways_2021.png","British Airways","Earn up to 30,000 Avios points as a welcome bonus. T&Cs apply. ","American Express","British Airways American Express® Accelerating Business Card","Earn up to 30,000 Avios points as Welcome Bonus*","Earn up to 30,000 Avios points as a welcome bonus. T&Cs apply.","Collect 1.5 Avios for every £1 spent on business purchases and 2X on Business Points for every £1 spent with British Airways on your card.","Includes complimentary travel cover and up to £250,000 travel accident protection plus enhanced protection when flying with British Airways.","For every £20,000 you spend, get 10,000 bonus Avios up to 3x each calendar year.","Collect 1.5 Avios for every £1 spent on business purchases and 2X on Business Points for every £1 spent at British Airways on your card.","Suitable for UK limited companies, LLPs and Sole Traders","Good for businesses wanting to boost Avios on BA flights and daily spend.","From £1,500","https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/product/credit-cards/Amex_BA_business_CC.png","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/product/credit-cards/Amex_BA_business_CC.png",104.9,"Representative example: The standard interest rate on purchases is 26.6% (variable) so if you borrow £1,200 the APR will be 104.9% (variable). £250 annual fee.",250,26.6,"*30,000 bonus Avios when you spend £5,000 in the first three months of Cardmembership. Terms apply. 18+, subject to status","£250","26.6% p.a. variable","104.9% APR",[14569,14571,14572,14573],{"_1841":14587},{"_14224":14588,"_14593":14594,"_14353":14598},{"_1803":14589,"_14227":-5,"_14228":14590,"_14230":59,"_14231":14591,"_14233":14592},"f0352504-f6e9-4898-b088-1d5a2ba6965c","1000045719","999994","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Famex-ba&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=application&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999994&link_id=f0352504-f6e9-4898-b088-1d5a2ba6965c&sig=9cf990f9109de773dc804eaf55e5180815492cfc3dda866ce3ecc2934c6fa658","eligibility_checked",{"_1803":14595,"_14227":-5,"_14228":14590,"_14230":59,"_14231":14596,"_14233":14597},"e160db21-97e4-4332-a290-d6e22e91c6c2","999995","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=eligibility_checked&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999995&link_id=e160db21-97e4-4332-a290-d6e22e91c6c2&sig=bea5d21653297801c8ee88a75b1f081a755288d273b9cc1da3e28399de851974",{"_1803":14599,"_14227":-5,"_14228":14590,"_14230":59,"_14231":14600,"_14233":14601},"b0ebb42e-5ede-48b3-af0f-9ad6a6fe545f","999993","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Dg6PfYBeCXNo%26offerid%3D1034633.5%26type%3D3%26subid%3D0%26clickref%3D%7B%7BClick_ref%7D%7D&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=application_completed&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999993&link_id=b0ebb42e-5ede-48b3-af0f-9ad6a6fe545f&sig=f24c441eb8411ac448d3e03e30f1f99eb04893f6263a11b879ac805245ddc86f",{"_1841":14603},67,"90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942","2026-05-22T01:50:55.201Z",[14603],{"_14102":14250,"_14104":14608,"_14105":-5,"_14106":14609,"_2567":14661},"5486c391-d6c4-489d-a5a8-b6b4f8e33692",{"_1803":14608,"_14108":14109,"_14110":2574,"_7460":2574,"_14111":14610,"_14116":14613,"_14134":14620,"_3599":14642,"_14235":14657,"_2563":-5,"_14237":-5,"_14238":-5,"_14239":59,"_14240":14659,"_14242":14660},{"_1841":14611},{"_14114":14612},80,{"_1803":16,"_7460":2574,"_12685":14614,"_14126":14619,"_14270":59,"_14134":14620,"_14272":14621,"_14142":14143,"_14273":14622,"_14275":14623,"_14277":14624,"_14279":14625,"_14281":14496,"_14148":2574,"_14284":14626,"_14286":14627,"_14288":14628,"_14290":14629,"_14292":14630,"_14204":14631,"_14294":14295,"_14205":14632,"_14299":2895,"_14303":14633,"_14305":14634,"_14308":14635,"_14309":14636,"_14311":14637,"_14313":9,"_14162":14631,"_14163":14632,"_14316":14637,"_14318":14638,"_14320":14639,"_14322":14519,"_14324":14640,"_14326":14641,"_14269":-5,"_14297":-5,"_14310":-5,"_14328":-5,"_14329":-5,"_14317":-5,"_14330":-5,"_14331":-5,"_14301":-5},{"_1803":14615,"_12652":14616,"_47":14564},"a42f5bf6-8ae7-48c4-a0f7-350d8bd01729",{"_1841":14617,"_14123":14618},"https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/provider/logos/american_express_2021.png","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/provider/logos/american_express_2021.png","Earn 50,000 Membership Rewards points when you spend £6,000 in your first three months. Terms apply.","The American Express® Business Platinum Card","Earn up to 50,000 welcome bonus rewards points*","Earn 50,000 Membership Rewards points when you spend £6,000 in your first three months of Cardmembership. Terms apply.","Receive £200 Annual Travel Credit when you spend at American Express Travel Online.","Enjoy complimentary access to 1,550+ airport lounges with The American Express Global Lounge Collection®.","Up to £300 back annually when you spend on uk.indeed.com plus up to £150 back annually for United Kingdom purchases with Dell Technologies. ","Earn 1x Membership Rewards points for every eligible £1 spent on purchases and 2x points for every £1 spent on American Express Travel.","Get up to £400 in Amex Travel Credits when you spend £120,000 in your Cardmembership year. Terms apply.","Available to UK LTD and LLP businesses, signatories must be 18+ and a director/member of the business. Subject to status.","Complimentary access to 1,550+ airport lounges","Unlimited","https://img.money.co.uk/s3/uswitch-assets-eu/amp/images/product/credit-cards/sbs_plat_metal_2018_di_1920x1216.jpg","https://img.uswitch.com/s3/uswitch-assets-eu/amp/images/product/credit-cards/sbs_plat_metal_2018_di_1920x1216.jpg","*Earn 8x points for every eligible £1 spent (up to 80k points – max £10k spend) in the first 3 months of Cardmembership ","*Annual fee £650. Interest & terms apply. Earn 50,000 Membership Rewards® points when you spend £6,000 in the first three months of Cardmembership. Annual Fee and terms apply. Available to UK LTDs and LLPS. Signatories must be 18+ and a Director/member of the business. Subject to status. ",650,29.1,"*Your card includes a Flexible Payment Option (FPO) Credit Limit, which lets you carry a balance with interest at 29.1% p.a. (variable). You can spend above your FPO Credit Limit, as long as any amount over the limit is paid by the due date. Your FPO Credit Limit will be confirmed when your Card arrives. ","£650","29.1% p.a. variable",[14626,14627,14628,14629],"*Your card includes a Flexible Payment Option (FPO) Credit Limit, which lets you carry a balance with interest at 29.1% p.a. (variable). You can spend above your FPO Credit Limit, as long as any amount over the limit is paid by the due date. Your FPO Credit Limit will be confirmed when your Card arrives. *Annual fee £650. Interest & terms apply. Earn 50,000 Membership Rewards® points when you spend £6,000 in the first three months of Cardmembership. Annual Fee and terms apply. Available to UK LTDs and LLPS. Signatories must be 18+ and a Director/member of the business. 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