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This is due to renewed concerns about inflation, particularly linked to energy costs. ",{"_1937":4531,"_49":4532,"_1935":1941},{},[4533],{"_1937":4534,"_1948":4535,"_1946":4536,"_1935":1945},{},[],"Higher base rates typically lead to higher borrowing costs for businesses. That said, lenders set their own criteria and pricing, so any changes will depend on how financial providers respond to future rate decisions.",{"_1937":4538,"_49":4539,"_1935":1941},{},[4540,4544,4552],{"_1937":4541,"_1948":4542,"_1946":4543,"_1935":1945},{},[],"The next base interest rate decision is due on Thursday 18 June, and you can track updates on the ",{"_1937":4545,"_49":4547,"_1935":2284},{"_2275":4546},"https://www.bankofengland.co.uk/explainers/current-interest-rate",[4548],{"_1937":4549,"_1948":4550,"_1946":4551,"_1935":1945},{},[],"Bank of England's explainer page",{"_1937":4553,"_1948":4554,"_1946":2507,"_1935":1945},{},[],"3DiQIjXP6lIghlEoqHsQnT",{"_1793":4557,"_1799":4560,"_1833":4570},{"_1795":4558,"_1797":4559},[],[],{"_1801":4561,"_13":1809,"_1807":4555,"_1811":4563,"_1816":2253,"_1818":4565,"_1820":4566,"_1822":4566,"_1823":4567,"_1825":2257,"_1779":4568,"_1831":1832},{"_1799":4562},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":4564},{"_13":1804,"_1805":1814,"_1807":1923},"2026-03-20T15:09:25.564Z","2026-04-29T09:42:14.827Z","2026-03-20T16:35:30.477Z",{"_1799":4569},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4571,"_1932":4572,"_49":4573,"_1836":1837},"BCA -- Do I need a business bank account?","Do I need a business bank account?",{"_1935":1936,"_1937":4574,"_49":4575},{},[4576,4583,4616],{"_1935":1941,"_1937":4577,"_49":4578},{},[4579],{"_1935":1945,"_1946":4580,"_1948":4581,"_1937":4582},"If you operate as a limited company it’s a legal requirement, as your company is a separate legal entity from you personally.",[],{},{"_1935":1941,"_1937":4584,"_49":4585},{},[4586,4590,4599,4603,4612],{"_1935":1945,"_1946":4587,"_1948":4588,"_1937":4589},"For ",[],{},{"_1935":2284,"_1937":4591,"_49":4593},{"_2275":4592},"https://www.money.co.uk/business/bank-accounts/sole-trader",[4594],{"_1935":1945,"_1946":4595,"_1948":4596,"_1937":4598},"sole traders",[4597],{"_13":2282},{},{"_1935":1945,"_1946":4600,"_1948":4601,"_1937":4602},", there’s no legal obligation, but it’s generally recommended. 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Lenders typically look at your business’s financial health, cash flow, and overall stability, rather than just your personal credit score. 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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.",{"_1937":5034,"_49":5035,"_1935":1941},{},[5036,5040,5048],{"_1937":5037,"_1948":5038,"_1946":5039,"_1935":1945},{},[],"You can see ",{"_1937":5041,"_49":5043,"_1935":2284},{"_2275":5042},"/editorial-policy",[5044],{"_1937":5045,"_1948":5046,"_1946":5047,"_1935":1945},{},[],"our editorial policy",{"_1937":5049,"_1948":5050,"_1946":5051,"_1935":1945},{},[]," here.\n\n",{"_1937":5053,"_49":5054,"_1935":1941},{},[5055],{"_1937":5056,"_1948":5057,"_1946":9,"_1935":1945},{},[],{"_1793":5059,"_1799":5062,"_1833":5073},{"_1795":5060,"_1797":5061},[],[],{"_1801":5063,"_13":1809,"_1807":3851,"_1811":5065,"_1816":3480,"_1818":5067,"_1820":5068,"_1822":5069,"_1823":5070,"_1825":2987,"_1779":5071,"_1831":1832},{"_1799":5064},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5066},{"_13":1804,"_1805":1814,"_1807":1923},"2025-04-10T09:54:20.042Z","2026-05-22T09:09:29.541Z","2026-03-17T18:20:52.112Z","2025-04-17T12:52:55.925Z",{"_1799":5072},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5074,"_1932":5075,"_49":5076,"_1836":1837},"Gather your documents","4. Prepare your documents",{"_1935":1936,"_1937":5077,"_49":5078},{},[5079,5086,5093],{"_1935":1941,"_1937":5080,"_49":5081},{},[5082],{"_1935":1945,"_1946":5083,"_1948":5084,"_1937":5085},"Prepare your business details like your turnover, registered address, company registration number and unique taxpayer reference.",[],{},{"_1935":1941,"_1937":5087,"_49":5088},{},[5089],{"_1935":1945,"_1946":5090,"_1948":5091,"_1937":5092},"Providers will also ask you for personal details like your home address, and you'll need proof of your identification.",[],{},{"_1935":1941,"_1937":5094,"_49":5095},{},[5096],{"_1935":1945,"_1946":9,"_1948":5097,"_1937":5098},[],{},"3dMQFuFwL6BTIow6LidVW5",{"_1793":5101,"_1799":5104,"_1833":5113},{"_1795":5102,"_1797":5103},[],[],{"_1801":5105,"_13":1809,"_1807":5099,"_1811":5107,"_1816":2030,"_1818":5109,"_1820":5110,"_1779":5111,"_1831":1832},{"_1799":5106},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5108},{"_13":1804,"_1805":1814,"_1807":1923},"2026-05-21T11:56:48.628Z","2026-05-21T12:08:37.498Z",{"_1799":5112},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5114,"_1932":5114,"_2037":5115,"_49":5118,"_1836":1837},"Scaling your business",{"_1799":5116},{"_13":1804,"_1805":2040,"_1807":5117},"6XvxO4NW0cg4TJrPXJe3fw",{"_1937":5119,"_49":5120,"_1935":1936},{},[5121,5128],{"_1937":5122,"_49":5123,"_1935":1941},{},[5124],{"_1937":5125,"_1948":5126,"_1946":5127,"_1935":1945},{},[],"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. ",{"_1937":5129,"_49":5130,"_1935":1941},{},[5131],{"_1937":5132,"_1948":5133,"_1946":5134,"_1935":1945},{},[],"You could consider a card with accounting integrations, which also offers the option to have multiple cards for your employees.","3dYPrLudzHp9TnjmXLCwM",{"_1793":5137,"_1799":5140,"_1833":5152},{"_1795":5138,"_1797":5139},[],[],{"_1801":5141,"_13":1809,"_1807":5135,"_1811":5143,"_1816":5145,"_1818":5146,"_1820":5147,"_1822":5147,"_1823":5148,"_1825":5149,"_1779":5150,"_1831":1832},{"_1799":5142},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5144},{"_13":1804,"_1805":1814,"_1807":2380},32,"2023-05-16T14:30:50.054Z","2026-05-20T12:49:32.750Z","2023-05-18T13:04:21.637Z",77,{"_1799":5151},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5153,"_1836":1837,"_1978":5154,"_2391":5155,"_2466":1786},"Platinum - Business current accounts - Sticky Nav","sticky-nav",{"_5156":5157},"sections",[5158,5162,5166,5170,5174],{"_1815":5159,"_47":5160,"_1807":5161},"Platinum - business bank account - at a glance","At a glance","59CSAthniFl4YlHk4DHSBg",{"_1815":5163,"_47":5164,"_1807":5165},"Platinum - Business current accounts - What to look for in a business bank account","What to look for","uBUWUf9XgCtl6klUtuIfr",{"_1815":5167,"_47":5168,"_1807":5169},"Platinum - Business current accounts - How to compare ","How to compare","3uxscYf39N8Zv9CWAR55OY",{"_1815":5171,"_47":5172,"_1807":5173},"Platinum - Business current accounts - What do you need?","What you need to apply","68C8zenar0UwR7yEUvEhJB",{"_1815":5175,"_47":5176,"_1807":5177},"Platinum - Business current accounts - FAQs","FAQs","5m0t0sKX9ECCfpMRHZLrmp","3iJuZSD4jffkLFgkKt5zIb",{"_1793":5180,"_1799":5183,"_1833":5193},{"_1795":5181,"_1797":5182},[],[],{"_1801":5184,"_13":1809,"_1807":5178,"_1811":5186,"_1816":3650,"_1818":5188,"_1820":5189,"_1822":5189,"_1823":5190,"_1825":2335,"_1779":5191,"_1831":1832},{"_1799":5185},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5187},{"_13":1804,"_1805":1814,"_1807":4674},"2025-02-03T10:25:53.095Z","2026-05-16T13:18:03.733Z","2025-02-13T17:13:19.704Z",{"_1799":5192},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5194,"_1836":1837,"_2037":5195,"_1945":5196,"_2083":5197},"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":5200,"_1799":5203,"_1833":5213},{"_1795":5201,"_1797":5202},[],[],{"_1801":5204,"_13":1809,"_1807":5198,"_1811":5206,"_1816":2253,"_1818":5208,"_1820":5209,"_1822":5209,"_1823":5210,"_1825":3480,"_1779":5211,"_1831":1832},{"_1799":5205},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5207},{"_13":1804,"_1805":1814,"_1807":2183},"2026-04-24T09:26:33.632Z","2026-05-16T13:18:03.833Z","2026-04-24T16:59:21.907Z",{"_1799":5212},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5214,"_49":5215,"_1836":1837},"Am I eligible?",{"_1799":5216},{"_13":1804,"_1805":1809,"_1807":5217},"kfsTKGyJA5kgJHhzh7a3F",{"_1793":5219,"_1799":5222,"_1833":5231},{"_1795":5220,"_1797":5221},[],[],{"_1801":5223,"_13":1809,"_1807":3731,"_1811":5225,"_1816":2030,"_1818":5227,"_1820":5228,"_1779":5229,"_1831":1832},{"_1799":5224},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5226},{"_13":1804,"_1805":1814,"_1807":1968},"2026-05-20T14:03:30.596Z","2026-05-20T15:14:47.130Z",{"_1799":5230},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5232,"_1836":1837,"_1978":1979,"_2132":5233,"_49":5248},"Business credit cards at a glance",{"_1937":5234,"_49":5235,"_1935":1936},{},[5236,5242],{"_1937":5237,"_49":5238,"_1935":2350},{},[5239],{"_1937":5240,"_1948":5241,"_1946":5232,"_1935":1945},{},[],{"_1937":5243,"_49":5244,"_1935":1941},{},[5245],{"_1937":5246,"_1948":5247,"_1946":9,"_1935":1945},{},[],{"_1935":1936,"_1937":5249,"_49":5250},{},[5251,5259,5282,5290,5313,5321,5344],{"_1935":1941,"_1937":5252,"_49":5253},{},[5254],{"_1935":1945,"_1946":5255,"_1948":5256,"_1937":5258},"Can I apply?",[5257],{"_13":2834},{},{"_1935":2820,"_1937":5260,"_49":5261},{},[5262,5272],{"_1935":2824,"_1937":5263,"_49":5264},{},[5265],{"_1935":1941,"_1937":5266,"_49":5267},{},[5268],{"_1935":1945,"_1946":5269,"_1948":5270,"_1937":5271},"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.",[],{},{"_1935":2824,"_1937":5273,"_49":5274},{},[5275],{"_1935":1941,"_1937":5276,"_49":5277},{},[5278],{"_1935":1945,"_1946":5279,"_1948":5280,"_1937":5281},"When deciding what to apply for, it’s best to choose a card that suits your company and profile.",[],{},{"_1935":1941,"_1937":5283,"_49":5284},{},[5285],{"_1935":1945,"_1946":5286,"_1948":5287,"_1937":5289},"Am I Eligible? ",[5288],{"_13":2834},{},{"_1935":2820,"_1937":5291,"_49":5292},{},[5293,5303],{"_1935":2824,"_1937":5294,"_49":5295},{},[5296],{"_1935":1941,"_1937":5297,"_49":5298},{},[5299],{"_1935":1945,"_1946":5300,"_1948":5301,"_1937":5302},"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.",[],{},{"_1935":2824,"_1937":5304,"_49":5305},{},[5306],{"_1935":1941,"_1937":5307,"_49":5308},{},[5309],{"_1935":1945,"_1946":5310,"_1948":5311,"_1937":5312},"Some providers offer soft eligibility checks to show your chances of approval before you apply (which won't impact your credit score).",[],{},{"_1935":1941,"_1937":5314,"_49":5315},{},[5316],{"_1935":1945,"_1946":5317,"_1948":5318,"_1937":5320},"How long will it take?",[5319],{"_13":2834},{},{"_1935":2820,"_1937":5322,"_49":5323},{},[5324,5334],{"_1935":2824,"_1937":5325,"_49":5326},{},[5327],{"_1935":1941,"_1937":5328,"_49":5329},{},[5330],{"_1935":1945,"_1946":5331,"_1948":5332,"_1937":5333},"Approval can range from an instant decision to a few days, depending on how quickly the provider completes your credit checks. ",[],{},{"_1935":2824,"_1937":5335,"_49":5336},{},[5337],{"_1935":1941,"_1937":5338,"_49":5339},{},[5340],{"_1935":1945,"_1946":5341,"_1948":5342,"_1937":5343},"Once you're approved, your card will generally arrive within 7-10 days, but virtual cards can be available immediately.",[],{},{"_1935":1941,"_1937":5345,"_49":5346},{},[5347],{"_1935":1945,"_1946":9,"_1948":5348,"_1937":5349},[],{},"3ouIkm6aTJOTQXwtIxPTZr",{"_1793":5352,"_1799":5355,"_1833":5365},{"_1795":5353,"_1797":5354},[],[],{"_1801":5356,"_13":1809,"_1807":5350,"_1811":5358,"_1816":2203,"_1818":5360,"_1820":5361,"_1822":5361,"_1823":5362,"_1825":3480,"_1779":5363,"_1831":1832},{"_1799":5357},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5359},{"_13":1804,"_1805":1814,"_1807":3315},"2024-09-03T15:47:27.768Z","2026-04-15T11:22:58.099Z","2024-09-09T10:19:01.991Z",{"_1799":5364},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5366,"_1836":1837,"_1932":5176,"_3326":59,"_1978":1979,"_2466":1786,"_3328":5367},"Business - Savings Accounts - Pros and cons of a business savings account - FAQs",[5368,5371,5374,5377,5380],{"_1799":5369},{"_13":1804,"_1805":1809,"_1807":5370},"7m9qEWVaoVRiHZ7GPWpBGN",{"_1799":5372},{"_13":1804,"_1805":1809,"_1807":5373},"6A5iGtI9uJqAJ0c5tAgKhM",{"_1799":5375},{"_13":1804,"_1805":1809,"_1807":5376},"CjQ7JhF1xlUzWYLMnDHTy",{"_1799":5378},{"_13":1804,"_1805":1809,"_1807":5379},"6xak9daPiljMdjlyQgzZ7U",{"_1799":5381},{"_13":1804,"_1805":1809,"_1807":4359},"3q0PQcUj25hYubm8nnwzhl",{"_1793":5384,"_1799":5387,"_1833":5397},{"_1795":5385,"_1797":5386},[],[],{"_1801":5388,"_13":1809,"_1807":5382,"_1811":5390,"_1816":2097,"_1818":5392,"_1820":5393,"_1822":5393,"_1823":5394,"_1825":2310,"_1779":5395,"_1831":1832},{"_1799":5389},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5391},{"_13":1804,"_1805":1814,"_1807":1923},"2025-02-24T14:45:01.487Z","2026-02-17T12:06:38.572Z","2025-02-24T14:46:00.748Z",{"_1799":5396},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5398,"_1932":5399,"_49":5400,"_1836":1837},"Platinum - Business - Business Credit Cards - Interest-free","Are there any interest-free business credit cards?",{"_1935":1936,"_1937":5401,"_49":5402},{},[5403,5410,5417],{"_1935":1941,"_1937":5404,"_49":5405},{},[5406],{"_1935":1945,"_1946":5407,"_1948":5408,"_1937":5409},"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.",[],{},{"_1935":1941,"_1937":5411,"_49":5412},{},[5413],{"_1935":1945,"_1946":5414,"_1948":5415,"_1937":5416},"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.",[],{},{"_1935":1941,"_1937":5418,"_49":5419},{},[5420,5424,5428,5431,5439],{"_1935":1945,"_1946":5421,"_1948":5422,"_1937":5423},"Choosing a card with a generous interest-free window can help ",[],{},{"_1935":1945,"_1946":5425,"_1948":5426,"_1937":5427},"free up",[],{},{"_1935":1945,"_1946":2891,"_1948":5429,"_1937":5430},[],{},{"_1935":2284,"_1937":5432,"_49":5434},{"_2275":5433},"https://www.money.co.uk/business/guides/what-is-working-capital",[5435],{"_1935":1945,"_1946":5436,"_1948":5437,"_1937":5438},"working capital",[],{},{"_1935":1945,"_1946":5440,"_1948":5441,"_1937":5442},", especially when spreading the cost of large purchases.",[],{},"3uGVJMHgLuZVxyuW9kI1Fh",{"_1793":5445,"_1799":5448,"_1833":5458},{"_1795":5446,"_1797":5447},[],[],{"_1801":5449,"_13":1809,"_1807":5443,"_1811":5451,"_1816":3480,"_1818":5453,"_1820":5454,"_1822":5454,"_1823":5455,"_1825":2987,"_1779":5456,"_1831":1832},{"_1799":5450},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5452},{"_13":1804,"_1805":1814,"_1807":1923},"2025-12-04T10:53:56.846Z","2026-05-16T13:18:04.970Z","2025-12-04T10:55:14.779Z",{"_1799":5457},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5459,"_1932":5460,"_49":5461,"_1836":1837},"Platinum - business loans - FAQ 11","Can I apply for a business loan if my company isn’t profitable yet?",{"_1937":5462,"_49":5463,"_1935":1936},{},[5464],{"_1937":5465,"_49":5466,"_1935":1941},{},[5467],{"_1937":5468,"_1948":5469,"_1946":5470,"_1935":1945},{},[],"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":5472,"_1799":5475,"_1833":5485},{"_1795":5473,"_1797":5474},[],[],{"_1801":5476,"_13":1809,"_1807":5169,"_1811":5478,"_1816":4697,"_1818":5480,"_1820":5481,"_1822":5481,"_1823":5482,"_1825":5145,"_1779":5483,"_1831":1832},{"_1799":5477},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5479},{"_13":1804,"_1805":1814,"_1807":2380},"2023-05-16T13:41:35.456Z","2026-04-29T09:42:14.753Z","2023-05-16T13:46:08.265Z",{"_1799":5484},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5167,"_1836":1837,"_1978":5486,"_2391":5487,"_2466":1786},"card-carousel",{"_1932":5488,"_5489":59,"_5490":5491,"_5492":5493},"How to compare business bank accounts","showSubHeader","subHeaderContent","When comparing business accounts, consider the following factors:","cards",[5494,5501,5504,5508,5512],{"_5495":1932,"_1932":5496,"_5497":5498,"_5499":5496,"_2037":5500},"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",{"_5495":1932,"_1932":5502,"_5497":5503,"_5499":5502,"_2037":4682},"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.",{"_5495":1932,"_1932":5505,"_5497":5506,"_5499":5507,"_2037":5195},"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",{"_5495":1932,"_1932":5509,"_5497":5510,"_5499":5509,"_2037":5511},"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",{"_5495":1932,"_1932":5513,"_5497":5514,"_5499":5513,"_2037":5515},"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":5517,"_1799":5520,"_1833":5532},{"_1795":5518,"_1797":5519},[],[],{"_1801":5521,"_13":1809,"_1807":3772,"_1811":5523,"_1816":5525,"_1818":5526,"_1820":5527,"_1822":5527,"_1823":5528,"_1825":5529,"_1779":5530,"_1831":1832},{"_1799":5522},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5524},{"_13":1804,"_1805":1814,"_1807":2380},74,"2024-06-20T12:28:06.280Z","2026-05-22T12:32:26.635Z","2024-06-20T12:31:59.548Z",91,{"_1799":5531},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5533,"_1836":1837,"_1978":5534,"_2391":5535,"_2466":1786},"About the author - Joe","about-the-author",{"_3541":5536,"_47":4270,"_3528":5537,"_4271":4272},"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":5539,"_1799":5542,"_1833":5553},{"_1795":5540,"_1797":5541},[],[],{"_1801":5543,"_13":1809,"_1807":3780,"_1811":5545,"_1816":2696,"_1818":5547,"_1820":5548,"_1822":5548,"_1823":5549,"_1825":5550,"_1779":5551,"_1831":1832},{"_1799":5544},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5546},{"_13":1804,"_1805":1814,"_1807":3315},"2023-06-15T11:32:49.883Z","2026-04-10T14:54:38.829Z","2023-06-16T10:38:38.238Z",71,{"_1799":5552},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5554,"_1836":1837,"_1932":5176,"_3326":59,"_1978":1979,"_3328":5555},"Platinum - Business - Business Credit Cards - FAQs",[5556,5559,5562,5565,5568,5570,5572,5574,5576,5579,5581],{"_1799":5557},{"_13":1804,"_1805":1809,"_1807":5558},"50yiTEl1DLAS5FcxYlimZx",{"_1799":5560},{"_13":1804,"_1805":1809,"_1807":5561},"47e4BHm7vMQWgGNSKnhKBC",{"_1799":5563},{"_13":1804,"_1805":1809,"_1807":5564},"m63i6Gj55vylUbcr12jVL",{"_1799":5566},{"_13":1804,"_1805":1809,"_1807":5567},"4Zj31SLcUoGj3HIAJV59aL",{"_1799":5569},{"_13":1804,"_1805":1809,"_1807":3917},{"_1799":5571},{"_13":1804,"_1805":1809,"_1807":1913},{"_1799":5573},{"_13":1804,"_1805":1809,"_1807":5382},{"_1799":5575},{"_13":1804,"_1805":1809,"_1807":4072},{"_1799":5577},{"_13":1804,"_1805":1809,"_1807":5578},"7ySEA0ugXQ8hJI1RIegKmn",{"_1799":5580},{"_13":1804,"_1805":1809,"_1807":2792},{"_1799":5582},{"_13":1804,"_1805":1809,"_1807":5583},"7EkmNKHazjGmFcPlhZuVoM","4448z5Vn5vWtli48s745nn",{"_1793":5586,"_1799":5589,"_1833":5600},{"_1795":5587,"_1797":5588},[],[],{"_1801":5590,"_13":1809,"_1807":5584,"_1811":5592,"_1816":4316,"_1818":5594,"_1820":5595,"_1822":5595,"_1823":5596,"_1825":5597,"_1779":5598,"_1831":1832},{"_1799":5591},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5593},{"_13":1804,"_1805":1814,"_1807":1968},"2026-05-15T16:46:10.698Z","2026-05-19T15:22:47.122Z","2026-05-15T17:04:32.101Z",107,{"_1799":5599},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5601,"_1836":1837,"_1978":1979,"_2132":5602,"_49":5618,"_1997":5667},"What are the main types of business loan?",{"_1937":5603,"_49":5604,"_1935":1936},{},[5605,5612],{"_1937":5606,"_49":5607,"_1935":2350},{},[5608],{"_1937":5609,"_1948":5610,"_1946":5611,"_1935":1945},{},[],"Main types of business loan",{"_1937":5613,"_49":5614,"_1935":1941},{},[5615],{"_1937":5616,"_1948":5617,"_1946":9,"_1935":1945},{},[],{"_1937":5619,"_49":5620,"_1935":1936},{},[5621,5628,5661],{"_1937":5622,"_49":5623,"_1935":2002},{},[5624],{"_1937":5625,"_1948":5626,"_1946":5627,"_1935":1945},{},[],"Secured business loan",{"_1937":5629,"_49":5630,"_1935":2820},{},[5631,5641,5651],{"_1937":5632,"_49":5633,"_1935":2824},{},[5634],{"_1937":5635,"_49":5636,"_1935":1941},{},[5637],{"_1937":5638,"_1948":5639,"_1946":5640,"_1935":1945},{},[],"You need to provide assets as security to cover the amount being borrowed. 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Accurate as of 03/02/26.",{"_1793":5771,"_1799":5774,"_1833":5785},{"_1795":5772,"_1797":5773},[],[],{"_1801":5775,"_13":1809,"_1807":5561,"_1811":5777,"_1816":2101,"_1818":5779,"_1820":5780,"_1822":5780,"_1823":5781,"_1825":5782,"_1779":5783,"_1831":1832},{"_1799":5776},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5778},{"_13":1804,"_1805":1814,"_1807":1923},"2023-06-15T11:34:00.981Z","2026-03-24T15:59:52.351Z","2023-06-16T10:37:41.312Z",54,{"_1799":5784},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5786,"_1932":5787,"_49":5788,"_1836":1837},"Platinum - Business - Business Credit Cards - Is my credit","Is my credit record checked for a business credit card?",{"_1935":1936,"_1937":5789,"_49":5790},{},[5791,5810,5817,5836],{"_1935":1941,"_1937":5792,"_49":5793},{},[5794,5798,5806],{"_1935":1945,"_1946":5795,"_1948":5796,"_1937":5797},"Yes, when you apply for a business credit card, credit card providers will typically assess both your ",[],{},{"_1935":2284,"_1937":5799,"_49":5801},{"_2275":5800},"https://www.money.co.uk/business/credit-reports/business-credit-scores-explained",[5802],{"_1935":1945,"_1946":5803,"_1948":5804,"_1937":5805},"business's credit record",[],{},{"_1935":1945,"_1946":5807,"_1948":5808,"_1937":5809}," and your company’s overall financial health. ",[],{},{"_1935":1941,"_1937":5811,"_49":5812},{},[5813],{"_1935":1945,"_1946":5814,"_1948":5815,"_1937":5816},"If your business has limited or no credit history, the card issuer may also check your personal credit score to evaluate your creditworthiness.",[],{},{"_1935":1941,"_1937":5818,"_49":5819},{},[5820,5824,5828,5832],{"_1935":1945,"_1946":5821,"_1948":5822,"_1937":5823},"Your",[],{},{"_1935":1945,"_1946":5825,"_1948":5826,"_1937":5827}," business credit card usage can also affect your personal credit ",[],{},{"_1935":1945,"_1946":5829,"_1948":5830,"_1937":5831},"if ",[],{},{"_1935":1945,"_1946":5833,"_1948":5834,"_1937":5835},"you're the primary account holder or have personally guaranteed the account.",[],{},{"_1935":1941,"_1937":5837,"_49":5838},{},[5839,5843,5851],{"_1935":1945,"_1946":5840,"_1948":5841,"_1937":5842},"To avoid negative impacts, ",[],{},{"_1935":2284,"_1937":5844,"_49":5846},{"_2275":5845},"https://www.money.co.uk/business/business-credit-cards/how-to-use-business-credit-card",[5847],{"_1935":1945,"_1946":5848,"_1948":5849,"_1937":5850},"use your business card responsibly",[],{},{"_1935":1945,"_1946":5852,"_1948":5853,"_1937":5854},": pay on time, keep your balance low, and avoid maxing out your limit.",[],{},{"_1793":5856,"_1799":5859,"_1833":5869},{"_1795":5857,"_1797":5858},[],[],{"_1801":5860,"_13":1809,"_1807":2366,"_1811":5862,"_1816":4316,"_1818":5864,"_1820":5865,"_1822":5865,"_1823":5866,"_1825":2097,"_1779":5867,"_1831":1832},{"_1799":5861},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":5863},{"_13":1804,"_1805":1814,"_1807":1968},"2025-11-17T14:48:56.654Z","2026-02-17T12:06:36.574Z","2025-11-18T17:07:06.092Z",{"_1799":5868},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5870,"_1836":1837,"_1978":1979,"_49":5871,"_1997":5885},"Business credit cards - money.co.uk - experts",{"_1937":5872,"_49":5873,"_1935":1936},{},[5874,5879],{"_1937":5875,"_49":5878,"_1935":1990},{"_1985":5876},{"_1799":5877},{"_1807":1988,"_13":1804,"_1805":1809},[],{"_1937":5880,"_49":5881,"_1935":1941},{},[5882],{"_1937":5883,"_1948":5884,"_1946":9,"_1935":1945},{},[],{"_1935":1936,"_1937":5886,"_49":5887},{},[5888,5895],{"_1935":2002,"_1937":5889,"_49":5890},{},[5891],{"_1935":1945,"_1946":5892,"_1948":5893,"_1937":5894},"Experts in finance",[],{},{"_1935":1941,"_1937":5896,"_49":5897},{},[5898],{"_1935":1945,"_1946":5899,"_1948":5900,"_1937":5901},"We've spent nearly 20 years simplifying business finance. 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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.",[],{},{"_1935":1941,"_1937":7869,"_49":7870},{},[7871,7875,7884],{"_1935":1945,"_1946":7872,"_1948":7873,"_1937":7874},"All business plans need to contain ",[],{},{"_1935":2284,"_1937":7876,"_49":7878},{"_2275":7877},"/business/guides/key-business-plan-sections",[7879],{"_1935":1945,"_1946":7880,"_1948":7881,"_1937":7883},"several key sections",[7882],{"_13":2282},{},{"_1935":1945,"_1946":7885,"_1948":7886,"_1937":7887},", including: ",[],{},{"_1935":2820,"_1937":7889,"_49":7890},{},[7891,7925,7940,7955,7970,7985,8000,8015,8030,8045],{"_1935":2824,"_1937":7892,"_49":7893},{},[7894],{"_1935":1941,"_1937":7895,"_49":7896},{},[7897,7902,7907,7917,7921],{"_1935":1945,"_1946":7898,"_1948":7899,"_1937":7901},"A",[7900],{"_13":2834},{},{"_1935":1945,"_1946":7903,"_1948":7904,"_1937":7906},"n ",[7905],{"_13":2834},{},{"_1935":2284,"_1937":7908,"_49":7910},{"_2275":7909},"/business/guides/business-plan-executive-summary",[7911],{"_1935":1945,"_1946":7912,"_1948":7913,"_1937":7916},"executive summary",[7914,7915],{"_13":2282},{"_13":2834},{},{"_1935":1945,"_1946":2891,"_1948":7918,"_1937":7920},[7919],{"_13":2834},{},{"_1935":1945,"_1946":7922,"_1948":7923,"_1937":7924},"- think of this as your elevator pitch",[],{},{"_1935":2824,"_1937":7926,"_49":7927},{},[7928],{"_1935":1941,"_1937":7929,"_49":7930},{},[7931,7936],{"_1935":1945,"_1946":7932,"_1948":7933,"_1937":7935},"Company information",[7934],{"_13":2834},{},{"_1935":1945,"_1946":7937,"_1948":7938,"_1937":7939}," - what's your business? How is it structured?",[],{},{"_1935":2824,"_1937":7941,"_49":7942},{},[7943],{"_1935":1941,"_1937":7944,"_49":7945},{},[7946,7951],{"_1935":1945,"_1946":7947,"_1948":7948,"_1937":7950},"Owner information",[7949],{"_13":2834},{},{"_1935":1945,"_1946":7952,"_1948":7953,"_1937":7954}," - information about you, your partners and anyone else that makes up the ownership of the business ",[],{},{"_1935":2824,"_1937":7956,"_49":7957},{},[7958],{"_1935":1941,"_1937":7959,"_49":7960},{},[7961,7966],{"_1935":1945,"_1946":7962,"_1948":7963,"_1937":7965},"Market research",[7964],{"_13":2834},{},{"_1935":1945,"_1946":7967,"_1948":7968,"_1937":7969}," - who are your customers, what do they need and what does the wider market look like?",[],{},{"_1935":2824,"_1937":7971,"_49":7972},{},[7973],{"_1935":1941,"_1937":7974,"_49":7975},{},[7976,7981],{"_1935":1945,"_1946":7977,"_1948":7978,"_1937":7980},"Marketing strategies",[7979],{"_13":2834},{},{"_1935":1945,"_1946":7982,"_1948":7983,"_1937":7984}," - how will you promote your business and attract customers?",[],{},{"_1935":2824,"_1937":7986,"_49":7987},{},[7988],{"_1935":1941,"_1937":7989,"_49":7990},{},[7991,7996],{"_1935":1945,"_1946":7992,"_1948":7993,"_1937":7995},"Competitor analysis",[7994],{"_13":2834},{},{"_1935":1945,"_1946":7997,"_1948":7998,"_1937":7999}," - who else serves your market and how will your business stand out?",[],{},{"_1935":2824,"_1937":8001,"_49":8002},{},[8003],{"_1935":1941,"_1937":8004,"_49":8005},{},[8006,8011],{"_1935":1945,"_1946":8007,"_1948":8008,"_1937":8010},"Product and service design",[8009],{"_13":2834},{},{"_1935":1945,"_1946":8012,"_1948":8013,"_1937":8014}," - what will you sell, how will it work and why will customers value it?",[],{},{"_1935":2824,"_1937":8016,"_49":8017},{},[8018],{"_1935":1941,"_1937":8019,"_49":8020},{},[8021,8026],{"_1935":1945,"_1946":8022,"_1948":8023,"_1937":8025},"Development plans",[8024],{"_13":2834},{},{"_1935":1945,"_1946":8027,"_1948":8028,"_1937":8029}," - how do you plan to launch and grow the business over time?",[],{},{"_1935":2824,"_1937":8031,"_49":8032},{},[8033],{"_1935":1941,"_1937":8034,"_49":8035},{},[8036,8041],{"_1935":1945,"_1946":8037,"_1948":8038,"_1937":8040},"Operations and logistics plans",[8039],{"_13":2834},{},{"_1935":1945,"_1946":8042,"_1948":8043,"_1937":8044}," - how will the business run day to day - from suppliers and stock to delivery and customer service?",[],{},{"_1935":2824,"_1937":8046,"_49":8047},{},[8048],{"_1935":1941,"_1937":8049,"_49":8050},{},[8051,8055,8065,8069],{"_1935":1945,"_1946":9,"_1948":8052,"_1937":8054},[8053],{"_13":2834},{},{"_1935":2284,"_1937":8056,"_49":8058},{"_2275":8057},"/business/guides/business-plan-financial-projections",[8059],{"_1935":1945,"_1946":8060,"_1948":8061,"_1937":8064},"Financial information",[8062,8063],{"_13":2282},{"_13":2834},{},{"_1935":1945,"_1946":2891,"_1948":8066,"_1937":8068},[8067],{"_13":2834},{},{"_1935":1945,"_1946":8070,"_1948":8071,"_1937":8072},"- including start up costs and pricing, to day-to-day operations",[],{},{"_1935":1941,"_1937":8074,"_49":8075},{},[8076,8080,8089],{"_1935":1945,"_1946":8077,"_1948":8078,"_1937":8079},"The Prince's Trust has a helpful ",[],{},{"_1935":2284,"_1937":8081,"_49":8083},{"_2275":8082},"https://www.princes-trust.org.uk/how-we-can-help/tools-resources/business-tools/business-plans",[8084],{"_1935":1945,"_1946":8085,"_1948":8086,"_1937":8088},"template",[8087],{"_13":2282},{},{"_1935":1945,"_1946":8090,"_1948":8091,"_1937":8092}," to get you started.",[],{},{"_1935":2350,"_1937":8094,"_49":8095},{},[8096],{"_1935":1945,"_1946":8097,"_1948":8098,"_1937":8099},"How to name your business",[],{},{"_1935":1941,"_1937":8101,"_49":8102},{},[8103],{"_1935":1945,"_1946":8104,"_1948":8105,"_1937":8106},"Now you have a plan, it's time to get creative. ",[],{},{"_1935":1941,"_1937":8108,"_49":8109},{},[8110],{"_1935":1945,"_1946":8111,"_1948":8112,"_1937":8113},"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.",[],{},{"_1935":1941,"_1937":8115,"_49":8116},{},[8117],{"_1935":1945,"_1946":8118,"_1948":8119,"_1937":8120},"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. ",[],{},{"_1935":1941,"_1937":8122,"_49":8123},{},[8124,8128,8137],{"_1935":1945,"_1946":8125,"_1948":8126,"_1937":8127},"Trademarking will prevent other businesses from stealing your intellectual property, including slogans, brand names, logos, etc. To find out more, read our ",[],{},{"_1935":2284,"_1937":8129,"_49":8131},{"_2275":8130},"/business/guides/how-to-register-a-trademark",[8132],{"_1935":1945,"_1946":8133,"_1948":8134,"_1937":8136},"guide to trademarking",[8135],{"_13":2282},{},{"_1935":1945,"_1946":2507,"_1948":8138,"_1937":8139},[],{},{"_1935":8141,"_1937":8142,"_49":8143},"blockquote",{},[8144],{"_1935":1941,"_1937":8145,"_49":8146},{},[8147,8152,8160],{"_1935":1945,"_1946":8148,"_1948":8149,"_1937":8151},"Case study: ",[8150],{"_13":2834},{},{"_1935":2284,"_1937":8153,"_49":8155},{"_2275":8154},"/business/case-studies/hay-events",[8156],{"_1935":1945,"_1946":8157,"_1948":8158,"_1937":8159},"Meet Tinique: the events expert who turned a ‘lightbulb moment’ into a successful business",[],{},{"_1935":1945,"_1946":9,"_1948":8161,"_1937":8162},[],{},{"_1935":2350,"_1937":8164,"_49":8165},{},[8166],{"_1935":1945,"_1946":8167,"_1948":8168,"_1937":8169},"How to register a business",[],{},{"_1935":1941,"_1937":8171,"_49":8172},{},[8173],{"_1935":1945,"_1946":8174,"_1948":8175,"_1937":8176},"Once you've decided which type of company to set up and you have a name, you'll need to register it. ",[],{},{"_1935":1941,"_1937":8178,"_49":8179},{},[8180],{"_1935":1945,"_1946":8181,"_1948":8182,"_1937":8183},"The process differs depending on the type of company structure you choose. There are three main options: ",[],{},{"_1935":2820,"_1937":8185,"_49":8186},{},[8187,8201,8211],{"_1935":2824,"_1937":8188,"_49":8189},{},[8190],{"_1935":1941,"_1937":8191,"_49":8192},{},[8193,8197],{"_1935":1945,"_1946":8194,"_1948":8195,"_1937":8196},"S",[],{},{"_1935":1945,"_1946":8198,"_1948":8199,"_1937":8200},"ole trader",[],{},{"_1935":2824,"_1937":8202,"_49":8203},{},[8204],{"_1935":1941,"_1937":8205,"_49":8206},{},[8207],{"_1935":1945,"_1946":8208,"_1948":8209,"_1937":8210},"Limited company",[],{},{"_1935":2824,"_1937":8212,"_49":8213},{},[8214],{"_1935":1941,"_1937":8215,"_49":8216},{},[8217,8221],{"_1935":1945,"_1946":8218,"_1948":8219,"_1937":8220},"L",[],{},{"_1935":1945,"_1946":8222,"_1948":8223,"_1937":8224},"imited liability partnership. ",[],{},{"_1935":1941,"_1937":8226,"_49":8227},{},[8228,8232,8241],{"_1935":1945,"_1946":8229,"_1948":8230,"_1937":8231},"Read our ",[],{},{"_1935":2284,"_1937":8233,"_49":8235},{"_2275":8234},"/business/guides/sole-trader-vs-limited-company",[8236],{"_1935":1945,"_1946":8237,"_1948":8238,"_1937":8240},"Sole trader vs limited company guide",[8239],{"_13":2282},{},{"_1935":1945,"_1946":8242,"_1948":8243,"_1937":8244}," to find out which is right for you and the first steps to take to get started.",[],{},{"_1935":2350,"_1937":8246,"_49":8247},{},[8248],{"_1935":1945,"_1946":8249,"_1948":8250,"_1937":8251},"How much does it cost to start a business?",[],{},{"_1935":1941,"_1937":8253,"_49":8254},{},[8255,8258,8266],{"_1935":1945,"_1946":9,"_1948":8256,"_1937":8257},[],{},{"_1935":2284,"_1937":8259,"_49":8261},{"_2275":8260},"/business/guides/startup-costs",[8262],{"_1935":1945,"_1946":8263,"_1948":8264,"_1937":8265},"The cost of setting up a business",[],{},{"_1935":1945,"_1946":8267,"_1948":8268,"_1937":8269}," varies greatly depending on your industry, the type of business you want to start, and what you need to get started. ",[],{},{"_1935":1941,"_1937":8271,"_49":8272},{},[8273],{"_1935":1945,"_1946":8274,"_1948":8275,"_1937":8276},"Many businesses require nothing more than a computer and a wi-fi connection, such as freelance writing, bookkeeping or being an e-book novelist. ",[],{},{"_1935":1941,"_1937":8278,"_49":8279},{},[8280],{"_1935":1945,"_1946":8281,"_1948":8282,"_1937":8283},"Some jobs require some goods or materials to get started, such as wool for a knitting business or supplies for a cleaning business. ",[],{},{"_1935":1941,"_1937":8285,"_49":8286},{},[8287],{"_1935":1945,"_1946":8288,"_1948":8289,"_1937":8290},"Some enterprises have much larger overheads, such as offices, factories or heavy equipment.",[],{},{"_1935":1941,"_1937":8292,"_49":8293},{},[8294,8298,8305],{"_1935":1945,"_1946":8295,"_1948":8296,"_1937":8297},"Many entrepreneurs either self-fund their new business or ",[],{},{"_1935":2284,"_1937":8299,"_49":8300},{"_2275":286},[8301],{"_1935":1945,"_1946":8302,"_1948":8303,"_1937":8304},"seek investment",[],{},{"_1935":1945,"_1946":8306,"_1948":8307,"_1937":8308}," from friends and family. However, if additional start-up capital is required, numerous options are available. Most fall into three categories: ",[],{},{"_1935":2820,"_1937":8310,"_49":8311},{},[8312,8322,8332],{"_1935":2824,"_1937":8313,"_49":8314},{},[8315],{"_1935":1941,"_1937":8316,"_49":8317},{},[8318],{"_1935":1945,"_1946":8319,"_1948":8320,"_1937":8321},"Loans that require repayment",[],{},{"_1935":2824,"_1937":8323,"_49":8324},{},[8325],{"_1935":1941,"_1937":8326,"_49":8327},{},[8328],{"_1935":1945,"_1946":8329,"_1948":8330,"_1937":8331},"Grants that do not",[],{},{"_1935":2824,"_1937":8333,"_49":8334},{},[8335],{"_1935":1941,"_1937":8336,"_49":8337},{},[8338],{"_1935":1945,"_1946":8339,"_1948":8340,"_1937":8341},"Funding from investors in exchange for equity",[],{},{"_1935":1941,"_1937":8343,"_49":8344},{},[8345,8348,8357],{"_1935":1945,"_1946":9,"_1948":8346,"_1937":8347},[],{},{"_1935":2284,"_1937":8349,"_49":8351},{"_2275":8350},"/business/guides/how-to-get-funding-for-a-business",[8352],{"_1935":1945,"_1946":8353,"_1948":8354,"_1937":8356},"Read our in-depth guide to business funding options to learn more",[8355],{"_13":2282},{},{"_1935":1945,"_1946":9,"_1948":8358,"_1937":8359},[],{},{"_1935":2350,"_1937":8361,"_49":8362},{},[8363],{"_1935":1945,"_1946":8364,"_1948":8365,"_1937":8366},"Tax",[],{},{"_1935":1941,"_1937":8368,"_49":8369},{},[8370],{"_1935":1945,"_1946":8371,"_1948":8372,"_1937":8373},"Taxes and finances are a huge part of running your own business. Self-employed individuals must complete a personal tax return each year. ",[],{},{"_1935":1941,"_1937":8375,"_49":8376},{},[8377,8381,8389],{"_1935":1945,"_1946":8378,"_1948":8379,"_1937":8380},"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, ",[],{},{"_1935":2284,"_1937":8382,"_49":8384},{"_2275":8383},"/business/guides/vat-explained",[8385],{"_1935":1945,"_1946":8386,"_1948":8387,"_1937":8388},"VAT registration",[],{},{"_1935":1945,"_1946":8390,"_1948":8391,"_1937":8392},", corporation tax, workplace pensions and more.",[],{},{"_1935":1941,"_1937":8394,"_49":8395},{},[8396,8400,8408],{"_1935":1945,"_1946":8397,"_1948":8398,"_1937":8399},"You should also keep comprehensive records, including all your sales and expenses receipts. Hiring an accountant will cost money, but they can help you ",[],{},{"_1935":2284,"_1937":8401,"_49":8403},{"_2275":8402},"/business/guides/small-business-tax-relief",[8404],{"_1935":1945,"_1946":8405,"_1948":8406,"_1937":8407},"navigate all your responsibilities",[],{},{"_1935":1945,"_1946":8409,"_1948":8410,"_1937":8411}," and ensure that you comply with UK legislation. ",[],{},{"_1935":1941,"_1937":8413,"_49":8414},{},[8415,8419,8427],{"_1935":1945,"_1946":8416,"_1948":8417,"_1937":8418},"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 ",[],{},{"_1935":2284,"_1937":8420,"_49":8422},{"_2275":8421},"/business/making-tax-digital",[8423],{"_1935":1945,"_1946":8424,"_1948":8425,"_1937":8426},"here",[],{},{"_1935":1945,"_1946":8428,"_1948":8429,"_1937":8430},". 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",[],{},{"_1935":1941,"_1937":9406,"_49":9407},{},[9408],{"_1935":1945,"_1946":9409,"_1948":9410,"_1937":9411},"The amount your business can borrow will depend on a range of factors, including: ",[],{},{"_1935":2820,"_1937":9413,"_49":9414},{},[9415,9425,9435],{"_1935":2824,"_1937":9416,"_49":9417},{},[9418],{"_1935":1941,"_1937":9419,"_49":9420},{},[9421],{"_1935":1945,"_1946":9422,"_1948":9423,"_1937":9424},"Your business credit history",[],{},{"_1935":2824,"_1937":9426,"_49":9427},{},[9428],{"_1935":1941,"_1937":9429,"_49":9430},{},[9431],{"_1935":1945,"_1946":9432,"_1948":9433,"_1937":9434},"Business turnover ",[],{},{"_1935":2824,"_1937":9436,"_49":9437},{},[9438],{"_1935":1941,"_1937":9439,"_49":9440},{},[9441],{"_1935":1945,"_1946":9442,"_1948":9443,"_1937":9444},"Length of loan",[],{},{"_1935":1941,"_1937":9446,"_49":9447},{},[9448],{"_1935":1945,"_1946":9449,"_1948":9450,"_1937":9451},"For smaller businesses, lenders will typically offer loans worth up to £500,000. ",[],{},{"_1935":1941,"_1937":9453,"_49":9454},{},[9455],{"_1935":1945,"_1946":9456,"_1948":9457,"_1937":9458},"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.",[],{},{"_1935":1990,"_1937":9460,"_49":9464},{"_1985":9461},{"_1799":9462},{"_1807":9463,"_13":1804,"_1805":1809},"7tKpJDd821BsPqlRnlCPY8",[],{"_1935":2002,"_1937":9466,"_49":9467},{},[9468],{"_1935":1945,"_1946":9,"_1948":9469,"_1937":9470},[],{},{"_1935":2002,"_1937":9472,"_49":9473},{},[9474],{"_1935":1945,"_1946":9475,"_1948":9476,"_1937":9477},"Potential repayments:",[],{},{"_1935":1941,"_1937":9479,"_49":9480},{},[9481],{"_1935":1945,"_1946":9482,"_1948":9483,"_1937":9484},"Below are three examples² of how much business loans could cost with different terms and rates:\n",[],{},{"_1935":1990,"_1937":9486,"_49":9490},{"_1985":9487},{"_1799":9488},{"_1807":9489,"_13":1804,"_1805":1809},"7CIlCIBfQ8UtN9vTm5wEsb",[],{"_1935":1941,"_1937":9492,"_49":9493},{},[9494,9498,9505],{"_1935":1945,"_1946":9495,"_1948":9496,"_1937":9497},"Use our ",[],{},{"_1935":2284,"_1937":9499,"_49":9500},{"_2275":4477},[9501],{"_1935":1945,"_1946":9502,"_1948":9503,"_1937":9504},"loan calculator",[],{},{"_1935":1945,"_1946":9506,"_1948":9507,"_1937":9508}," to find out how much a business loan could cost you each month.",[],{},{"_1793":9510,"_1799":9513,"_1833":9523},{"_1795":9511,"_1797":9512},[],[],{"_1801":9514,"_13":1809,"_1807":6323,"_1811":9516,"_1816":2074,"_1818":9518,"_1820":9519,"_1822":9519,"_1823":9520,"_1825":2207,"_1779":9521,"_1831":1832},{"_1799":9515},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":9517},{"_13":1804,"_1805":1814,"_1807":2122},"2026-04-20T10:37:42.819Z","2026-04-24T16:59:23.252Z","2026-04-21T09:21:31.276Z",{"_1799":9522},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":9524,"_1836":1837,"_2132":9525,"_2160":2161,"_2162":9552,"_2170":59,"_2171":16,"_2172":222},"Business loans - 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business loans - FAQ 10","Can I use a business loan for any business purpose?",{"_1937":9642,"_49":9643,"_1935":1936},{},[9644,9651,9670],{"_1937":9645,"_49":9646,"_1935":1941},{},[9647],{"_1937":9648,"_1948":9649,"_1946":9650,"_1935":1945},{},[],"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. ",{"_1937":9652,"_49":9653,"_1935":1941},{},[9654,9658,9666],{"_1937":9655,"_1948":9656,"_1946":9657,"_1935":1945},{},[],"For example, equipment financing must be used specifically to buy equipment, commercial mortgages are limited to purchasing or refinancing property, and ",{"_1937":9659,"_49":9661,"_1935":2284},{"_2275":9660},"https://www.money.co.uk/business/business-loans/invoice-finance",[9662],{"_1937":9663,"_1948":9664,"_1946":9665,"_1935":1945},{},[],"invoice financing",{"_1937":9667,"_1948":9668,"_1946":9669,"_1935":1945},{},[]," 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. ",{"_1937":9671,"_49":9672,"_1935":1941},{},[9673],{"_1937":9674,"_1948":9675,"_1946":9676,"_1935":1945},{},[],"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":9678,"_1799":9681,"_1833":9691},{"_1795":9679,"_1797":9680},[],[],{"_1801":9682,"_13":1809,"_1807":5173,"_1811":9684,"_1816":2987,"_1818":9686,"_1820":9687,"_1822":9687,"_1823":9688,"_1825":4258,"_1779":9689,"_1831":1832},{"_1799":9683},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":9685},{"_13":1804,"_1805":1814,"_1807":1968},"2025-02-11T13:22:52.451Z","2026-04-29T09:42:14.783Z","2025-02-11T18:10:21.064Z",{"_1799":9690},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":5171,"_1836":1837,"_1978":1979,"_2132":9692,"_49":9708},{"_1937":9693,"_49":9694,"_1935":1936},{},[9695,9702],{"_1937":9696,"_49":9697,"_1935":2350},{},[9698],{"_1937":9699,"_1948":9700,"_1946":9701,"_1935":1945},{},[],"What do you need to open a business bank account?",{"_1937":9703,"_49":9704,"_1935":1941},{},[9705],{"_1937":9706,"_1948":9707,"_1946":9,"_1935":1945},{},[],{"_1935":1936,"_1937":9709,"_49":9710},{},[9711,9718,9780],{"_1935":1941,"_1937":9712,"_49":9713},{},[9714],{"_1935":1945,"_1946":9715,"_1948":9716,"_1937":9717},"Most providers will ask for the following before your account can be opened:",[],{},{"_1935":2820,"_1937":9719,"_49":9720},{},[9721,9736,9751,9766],{"_1935":2824,"_1937":9722,"_49":9723},{},[9724],{"_1935":1941,"_1937":9725,"_49":9726},{},[9727,9732],{"_1935":1945,"_1946":9728,"_1948":9729,"_1937":9731},"Proof of identity",[9730],{"_13":2834},{},{"_1935":1945,"_1946":9733,"_1948":9734,"_1937":9735}," - a valid passport, driving licence, or national ID card",[],{},{"_1935":2824,"_1937":9737,"_49":9738},{},[9739],{"_1935":1941,"_1937":9740,"_49":9741},{},[9742,9747],{"_1935":1945,"_1946":9743,"_1948":9744,"_1937":9746},"Proof of address",[9745],{"_13":2834},{},{"_1935":1945,"_1946":9748,"_1948":9749,"_1937":9750}," - a utility bill, mortgage statement, or council tax bill dated within the last three months",[],{},{"_1935":2824,"_1937":9752,"_49":9753},{},[9754],{"_1935":1941,"_1937":9755,"_49":9756},{},[9757,9762],{"_1935":1945,"_1946":9758,"_1948":9759,"_1937":9761},"Business documentation",[9760],{"_13":2834},{},{"_1935":1945,"_1946":9763,"_1948":9764,"_1937":9765}," - a registration certificate and articles of association for limited companies; a partnership agreement if applicable",[],{},{"_1935":2824,"_1937":9767,"_49":9768},{},[9769],{"_1935":1941,"_1937":9770,"_49":9771},{},[9772,9776],{"_1935":1945,"_1946":8060,"_1948":9773,"_1937":9775},[9774],{"_13":2834},{},{"_1935":1945,"_1946":9777,"_1948":9778,"_1937":9779}," - details of personal and business income, assets, and liabilities",[],{},{"_1935":1941,"_1937":9781,"_49":9782},{},[9783],{"_1935":1945,"_1946":9784,"_1948":9785,"_1937":9786},"Most providers let you apply online in minutes, though approval times vary; anywhere from instant to a few days depending on the provider.",[],{},{"_1793":9788,"_1799":9791,"_1833":9801},{"_1795":9789,"_1797":9790},[],[],{"_1801":9792,"_13":1809,"_1807":2231,"_1811":9794,"_1816":2101,"_1818":9796,"_1820":9797,"_1822":9797,"_1823":9798,"_1825":3964,"_1779":9799,"_1831":1832},{"_1799":9793},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":9795},{"_13":1804,"_1805":1814,"_1807":6009},"2023-11-02T15:38:56.139Z","2025-12-02T09:45:08.783Z","2023-11-02T16:14:43.099Z",{"_1799":9800},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":9802,"_1836":1837,"_6018":9293,"_1815":9803,"_6020":9804,"_6022":9805,"_6026":9808},"Kyle Eaton","/authors/kyle-eaton","https://www.linkedin.com/in/kyle-eaton-a24b32119",{"_1799":9806},{"_13":1804,"_1805":2040,"_1807":9807},"7kDDkLUSydi6zXVfy24vL7",{"_1937":9809,"_49":9810,"_1935":1936},{},[9811],{"_1937":9812,"_49":9813,"_1935":1941},{},[9814],{"_1937":9815,"_1948":9816,"_1946":9817,"_1935":1945},{},[],"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":9819,"_1799":9822,"_1833":9831},{"_1795":9820,"_1797":9821},[],[],{"_1801":9823,"_13":1809,"_1807":5373,"_1811":9825,"_1816":2553,"_1818":9827,"_1820":9828,"_1822":9828,"_1823":9828,"_1825":2203,"_1779":9829,"_1831":1832},{"_1799":9824},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":9826},{"_13":1804,"_1805":1814,"_1807":1923},"2024-09-03T15:48:12.443Z","2024-09-25T15:16:10.419Z",{"_1799":9830},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":9832,"_1932":9833,"_49":9834,"_1836":1837},"Business - Savings Accounts - Pros and cons of a business savings account - How many business savings accounts can my company have?","How many business savings accounts can my company have?",{"_1935":1936,"_1937":9835,"_49":9836},{},[9837],{"_1935":1941,"_1937":9838,"_49":9839},{},[9840],{"_1935":1945,"_1946":9841,"_1948":9842,"_1937":9843},"Your business can have multiple savings accounts – there’s no limit. You might want an easy-access account for emergency funds and a fixed-term account for longer-term savings, for instance. Just remember that multiple accounts mean additional administrative work for your business. ",[],{},{"_1793":9845,"_1799":9848,"_1833":9858},{"_1795":9846,"_1797":9847},[],[],{"_1801":9849,"_13":1809,"_1807":9246,"_1811":9851,"_1816":1973,"_1818":9853,"_1820":9854,"_1822":9854,"_1823":9855,"_1825":2804,"_1779":9856,"_1831":1832},{"_1799":9850},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":9852},{"_13":1804,"_1805":1814,"_1807":2380},"2025-07-17T14:35:22.912Z","2026-05-16T13:18:03.986Z","2025-07-17T14:39:18.747Z",{"_1799":9857},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":9859,"_1836":1837,"_1978":9860,"_2391":9861,"_2466":1786},"government-backed Start Up Loans","stat-snippet",{"_1932":9862,"_9863":9864,"_9866":9867},"Number of government-backed Start Up Loans have been delivered since 2012","stat",{"_9863":9865},"125,000","superscriptTag",{"_9868":9869,"_28":4464},"word","[1]",{"_1793":9871,"_1799":9874,"_1833":9884},{"_1795":9872,"_1797":9873},[],[],{"_1801":9875,"_13":1809,"_1807":2238,"_1811":9877,"_1816":2257,"_1818":9879,"_1820":9880,"_1822":9880,"_1823":9881,"_1825":1817,"_1779":9882,"_1831":1832},{"_1799":9876},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":9878},{"_13":1804,"_1805":1814,"_1807":1867},"2023-11-15T12:12:48.396Z","2025-12-01T20:30:11.458Z","2023-11-15T12:12:58.308Z",{"_1799":9883},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4049,"_1836":1837},{"_1793":9886,"_1799":9889,"_1833":9899},{"_1795":9887,"_1797":9888},[],[],{"_1801":9890,"_13":1809,"_1807":3854,"_1811":9892,"_1816":3480,"_1818":9894,"_1820":9895,"_1822":9895,"_1823":9896,"_1825":2127,"_1779":9897,"_1831":1832},{"_1799":9891},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":9893},{"_13":1804,"_1805":1814,"_1807":1923},"2025-04-10T09:54:53.959Z","2026-03-17T18:20:52.124Z","2025-04-17T12:53:00.281Z",{"_1799":9898},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":9900,"_1932":9901,"_49":9902,"_1836":1837},"Submit your application","4. Submit your application",{"_1935":1936,"_1937":9903,"_49":9904},{},[9905,9912],{"_1935":1941,"_1937":9906,"_49":9907},{},[9908],{"_1935":1945,"_1946":9909,"_1948":9910,"_1937":9911},"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. ",[],{},{"_1935":1941,"_1937":9913,"_49":9914},{},[9915],{"_1935":1945,"_1946":9916,"_1948":9917,"_1937":9918},"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":9920,"_1799":9923,"_1833":9933},{"_1795":9921,"_1797":9922},[],[],{"_1801":9924,"_13":1809,"_1807":8782,"_1811":9926,"_1816":2203,"_1818":9928,"_1820":9929,"_1822":9929,"_1823":9930,"_1825":5145,"_1779":9931,"_1831":1832},{"_1799":9925},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":9927},{"_13":1804,"_1805":1814,"_1807":2380},"2026-03-24T12:08:34.302Z","2026-04-29T09:42:13.922Z","2026-03-24T13:58:31.613Z",{"_1799":9932},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":9934,"_1836":1837,"_1978":6980,"_2391":9935,"_2466":1786,"_49":9942},"Business bank account forced journey call out card",{"_6114":9936,"_6985":6986,"_147":9938,"_2132":9941,"_1978":9,"_6991":6992},{"_1945":9937,"_6984":59,"_1978":5997},"💷 See how much you could save",{"_34":9939,"_1945":9940},"https://www.money.co.uk/business/bank-accounts/results","See bank accounts","An easier way to open a business bank account",{"_1937":9943,"_49":9944,"_1935":1936},{},[9945,9978],{"_1937":9946,"_49":9947,"_1935":2820},{},[9948,9958,9968],{"_1937":9949,"_49":9950,"_1935":2824},{},[9951],{"_1937":9952,"_49":9953,"_1935":1941},{},[9954],{"_1937":9955,"_1948":9956,"_1946":9957,"_1935":1945},{},[],"Compare accounts from leading UK providers.",{"_1937":9959,"_49":9960,"_1935":2824},{},[9961],{"_1937":9962,"_49":9963,"_1935":1941},{},[9964],{"_1937":9965,"_1948":9966,"_1946":9967,"_1935":1945},{},[],"Find the right fit for your business, free of charge.",{"_1937":9969,"_49":9970,"_1935":2824},{},[9971],{"_1937":9972,"_49":9973,"_1935":1941},{},[9974],{"_1937":9975,"_1948":9976,"_1946":9977,"_1935":1945},{},[],"Open an account in as little as one working day.",{"_1937":9979,"_49":9980,"_1935":1941},{},[9981],{"_1937":9982,"_1948":9983,"_1946":9,"_1935":1945},{},[],{"_1793":9985,"_1799":9988,"_1833":9998},{"_1795":9986,"_1797":9987},[],[],{"_1801":9989,"_13":1809,"_1807":3755,"_1811":9991,"_1816":2257,"_1818":9993,"_1820":9994,"_1822":9994,"_1823":9995,"_1825":3650,"_1779":9996,"_1831":1832},{"_1799":9990},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":9992},{"_13":1804,"_1805":1814,"_1807":2380},"2025-11-27T16:11:28.094Z","2026-03-11T19:29:46.913Z","2025-11-27T16:55:08.060Z",{"_1799":9997},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":9999,"_1836":1837,"_1978":10000,"_2391":10001,"_2466":1786,"_2705":10010},"Platinum - Business credit cards - CTA 2","credit-card-finder-module-low-prominence",{"_1932":10002,"_10003":10004,"_10005":10006,"_1815":10007,"_10008":10009},"Find a company credit card today","subtitle","See the latest offers available from a range of trusted UK providers.","buttonText","Search now","/business/business-credit-cards/results","logosOverrideOrder",[],{"_1799":10011},{"_13":1804,"_1805":1809,"_1807":4328},{"_1793":10013,"_1799":10018,"_1833":10028},{"_1795":10014,"_1797":10017},[10015],{"_1799":10016},{"_13":1804,"_1805":2065,"_1807":2066},[],{"_1801":10019,"_13":1809,"_1807":3783,"_1811":10021,"_1816":3248,"_1818":10023,"_1820":10024,"_1822":10024,"_1823":10025,"_1825":6924,"_1779":10026,"_1831":1832},{"_1799":10020},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10022},{"_13":1804,"_1805":1814,"_1807":2380},"2023-06-12T11:46:36.324Z","2026-02-17T12:06:38.786Z","2023-06-13T11:12:47.181Z",{"_1799":10027},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":9362,"_1836":1837,"_1978":3518,"_2391":10029,"_2466":59},{"_1932":10030,"_2462":10031,"_3522":10032,"_3524":10033,"_3526":10034,"_3534":10037},"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",{"_3528":10035,"_3222":10036,"_1932":10036,"_3532":5939},"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?",[10038,10043],{"_3528":10039,"_3222":10040,"_1932":10040,"_3532":10041,"_3541":10042},"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.",{"_3528":10044,"_3222":10045,"_1932":10045,"_3532":3392,"_3541":10046},"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":10048,"_1799":10051,"_1833":10060},{"_1795":10049,"_1797":10050},[],[],{"_1801":10052,"_13":1809,"_1807":3766,"_1811":10054,"_1816":2553,"_1818":10056,"_1820":10057,"_1822":10057,"_1823":10057,"_1825":3248,"_1779":10058,"_1831":1832},{"_1799":10053},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10055},{"_13":1804,"_1805":1814,"_1807":1968},"2026-05-11T15:33:45.410Z","2026-05-11T15:42:32.181Z",{"_1799":10059},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10061,"_1836":1837,"_1978":1979,"_2132":10062,"_49":10077},"What costs should I consider before applying?",{"_1937":10063,"_49":10064,"_1935":1936},{},[10065,10071],{"_1937":10066,"_49":10067,"_1935":2350},{},[10068],{"_1937":10069,"_1948":10070,"_1946":10061,"_1935":1945},{},[],{"_1937":10072,"_49":10073,"_1935":1941},{},[10074],{"_1937":10075,"_1948":10076,"_1946":9,"_1935":1945},{},[],{"_1937":10078,"_49":10079,"_1935":1936},{},[10080,10087,10135],{"_1937":10081,"_49":10082,"_1935":1941},{},[10083],{"_1937":10084,"_1948":10085,"_1946":10086,"_1935":1945},{},[],"Before applying for your business credit card, it’s important to think about:",{"_1937":10088,"_49":10089,"_1935":2820},{},[10090,10105,10120],{"_1937":10091,"_49":10092,"_1935":2824},{},[10093],{"_1937":10094,"_49":10095,"_1935":1941},{},[10096,10101],{"_1937":10097,"_1948":10098,"_1946":10100,"_1935":1945},{},[10099],{"_13":2834},"Annual fees",{"_1937":10102,"_1948":10103,"_1946":10104,"_1935":1945},{},[]," – make sure the value of the rewards outweighs any fees.",{"_1937":10106,"_49":10107,"_1935":2824},{},[10108],{"_1937":10109,"_49":10110,"_1935":1941},{},[10111,10116],{"_1937":10112,"_1948":10113,"_1946":10115,"_1935":1945},{},[10114],{"_13":2834},"Interest rates",{"_1937":10117,"_1948":10118,"_1946":10119,"_1935":1945},{},[]," – carrying a balance can quickly negate your rewards.",{"_1937":10121,"_49":10122,"_1935":2824},{},[10123],{"_1937":10124,"_49":10125,"_1935":1941},{},[10126,10131],{"_1937":10127,"_1948":10128,"_1946":10130,"_1935":1945},{},[10129],{"_13":2834},"Reward terms",{"_1937":10132,"_1948":10133,"_1946":10134,"_1935":1945},{},[]," – check for expiry dates, restrictions, or tax implications.",{"_1937":10136,"_49":10137,"_1935":1941},{},[10138],{"_1937":10139,"_1948":10140,"_1946":10141,"_1935":1945},{},[],"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":10143,"_1799":10146,"_1833":10155},{"_1795":10144,"_1797":10145},[],[],{"_1801":10147,"_13":1809,"_1807":3749,"_1811":10149,"_1816":2030,"_1818":10151,"_1820":10152,"_1779":10153,"_1831":1832},{"_1799":10148},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10150},{"_13":1804,"_1805":1814,"_1807":1968},"2026-05-20T16:15:12.272Z","2026-05-22T08:47:19.787Z",{"_1799":10154},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10156,"_1836":1837,"_1978":1979,"_2132":10157,"_49":10172},"Key things to consider when comparing business credit cards",{"_1937":10158,"_49":10159,"_1935":1936},{},[10160,10166],{"_1937":10161,"_49":10162,"_1935":2350},{},[10163],{"_1937":10164,"_1948":10165,"_1946":10156,"_1935":1945},{},[],{"_1937":10167,"_49":10168,"_1935":1941},{},[10169],{"_1937":10170,"_1948":10171,"_1946":9,"_1935":1945},{},[],{"_1935":1936,"_1937":10173,"_49":10174},{},[10175,10189,10196,10210,10217,10231,10238,10252,10259,10273,10280],{"_1935":2820,"_1937":10176,"_49":10177},{},[10178],{"_1935":2824,"_1937":10179,"_49":10180},{},[10181],{"_1935":1941,"_1937":10182,"_49":10183},{},[10184],{"_1935":1945,"_1946":10185,"_1948":10186,"_1937":10188},"APR (Annual Percentage Rate)",[10187],{"_13":2834},{},{"_1935":1941,"_1937":10190,"_49":10191},{},[10192],{"_1935":1945,"_1946":10193,"_1948":10194,"_1937":10195},"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.",[],{},{"_1935":2820,"_1937":10197,"_49":10198},{},[10199],{"_1935":2824,"_1937":10200,"_49":10201},{},[10202],{"_1935":1941,"_1937":10203,"_49":10204},{},[10205],{"_1935":1945,"_1946":10206,"_1948":10207,"_1937":10209},"Rewards and perks",[10208],{"_13":2834},{},{"_1935":1941,"_1937":10211,"_49":10212},{},[10213],{"_1935":1945,"_1946":10214,"_1948":10215,"_1937":10216},"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.",[],{},{"_1935":2820,"_1937":10218,"_49":10219},{},[10220],{"_1935":2824,"_1937":10221,"_49":10222},{},[10223],{"_1935":1941,"_1937":10224,"_49":10225},{},[10226],{"_1935":1945,"_1946":10227,"_1948":10228,"_1937":10230},"Credit limits",[10229],{"_13":2834},{},{"_1935":1941,"_1937":10232,"_49":10233},{},[10234],{"_1935":1945,"_1946":10235,"_1948":10236,"_1937":10237},"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.",[],{},{"_1935":2820,"_1937":10239,"_49":10240},{},[10241],{"_1935":2824,"_1937":10242,"_49":10243},{},[10244],{"_1935":1941,"_1937":10245,"_49":10246},{},[10247],{"_1935":1945,"_1946":10248,"_1948":10249,"_1937":10251},"Interest-free period",[10250],{"_13":2834},{},{"_1935":1941,"_1937":10253,"_49":10254},{},[10255],{"_1935":1945,"_1946":10256,"_1948":10257,"_1937":10258},"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.",[],{},{"_1935":2820,"_1937":10260,"_49":10261},{},[10262],{"_1935":2824,"_1937":10263,"_49":10264},{},[10265],{"_1935":1941,"_1937":10266,"_49":10267},{},[10268],{"_1935":1945,"_1946":10269,"_1948":10270,"_1937":10272},"Extras",[10271],{"_13":2834},{},{"_1935":1941,"_1937":10274,"_49":10275},{},[10276],{"_1935":1945,"_1946":10277,"_1948":10278,"_1937":10279},"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.",[],{},{"_1935":1941,"_1937":10281,"_49":10282},{},[10283],{"_1935":1945,"_1946":10284,"_1948":10285,"_1937":10287},"APRs and offers are subject to change. Always verify current rates and terms directly with the provider before applying.",[10286],{"_13":3091},{},{"_1793":10289,"_1799":10292,"_1833":10302},{"_1795":10290,"_1797":10291},[],[],{"_1801":10293,"_13":1809,"_1807":7515,"_1811":10295,"_1816":2253,"_1818":10297,"_1820":10298,"_1822":10298,"_1823":10299,"_1825":1924,"_1779":10300,"_1831":1832},{"_1799":10294},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10296},{"_13":1804,"_1805":1814,"_1807":4225},"2020-05-05T13:37:57.075Z","2025-06-12T13:31:15.644Z","2020-05-05T13:38:05.870Z",{"_1799":10301},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4836,"_1836":1837},{"_1793":10304,"_1799":10307,"_1833":10316},{"_1795":10305,"_1797":10306},[],[],{"_1801":10308,"_13":1809,"_1807":3737,"_1811":10310,"_1816":2030,"_1818":10312,"_1820":10313,"_1779":10314,"_1831":1832},{"_1799":10309},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10311},{"_13":1804,"_1805":1814,"_1807":1968},"2026-05-20T15:32:19.890Z","2026-05-20T15:48:01.858Z",{"_1799":10315},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10317,"_1836":1837,"_1978":1979,"_2132":10318,"_49":10333},"How do business credit cards work?",{"_1937":10319,"_49":10320,"_1935":1936},{},[10321,10327],{"_1937":10322,"_49":10323,"_1935":2350},{},[10324],{"_1937":10325,"_1948":10326,"_1946":10317,"_1935":1945},{},[],{"_1937":10328,"_49":10329,"_1935":1941},{},[10330],{"_1937":10331,"_1948":10332,"_1946":9,"_1935":1945},{},[],{"_1935":1936,"_1937":10334,"_49":10335},{},[10336,10343,10350,10357,10364,10371],{"_1935":2002,"_1937":10337,"_49":10338},{},[10339],{"_1935":1945,"_1946":10340,"_1948":10341,"_1937":10342},"1. Compare and choose a card",[],{},{"_1935":1941,"_1937":10344,"_49":10345},{},[10346],{"_1935":1945,"_1946":10347,"_1948":10348,"_1937":10349},"Compare credit cards and find the right card that suits your business needs.",[],{},{"_1935":2002,"_1937":10351,"_49":10352},{},[10353],{"_1935":1945,"_1946":10354,"_1948":10355,"_1937":10356},"2. Apply for your card",[],{},{"_1935":1941,"_1937":10358,"_49":10359},{},[10360],{"_1935":1945,"_1946":10361,"_1948":10362,"_1937":10363},"Applying for a credit card can take just minutes with some applications. ",[],{},{"_1935":2002,"_1937":10365,"_49":10366},{},[10367],{"_1935":1945,"_1946":10368,"_1948":10369,"_1937":10370},"3. 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Look for an account with built-in invoicing and accounting integrations to simplify your bookkeeping.",{"_1793":10397,"_1799":10400,"_1833":10410},{"_1795":10398,"_1797":10399},[],[],{"_1801":10401,"_13":1809,"_1807":7403,"_1811":10403,"_1816":2207,"_1818":10405,"_1820":10406,"_1822":10406,"_1823":10407,"_1825":2101,"_1779":10408,"_1831":1832},{"_1799":10402},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":10404},{"_13":1804,"_1805":1814,"_1807":2380},"2026-05-16T12:44:10.340Z","2026-05-19T15:37:52.409Z","2026-05-16T13:17:09.851Z",{"_1799":10409},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":10411,"_1836":1837,"_1978":7055,"_2391":10412,"_2466":1786},"Pros and cons of a business loan",{"_1932":10411,"_7058":7059,"_7060":7061,"_7062":10413,"_7069":10417},[10414,10415,10416],"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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",[],{},{"_1935":1941,"_1937":11135,"_49":11136},{},[11137],{"_1935":1945,"_1946":11138,"_1948":11139,"_1937":11140},"You will typically need: ",[],{},{"_1935":2820,"_1937":11142,"_49":11143},{},[11144,11154,11164,11174,11184],{"_1935":2824,"_1937":11145,"_49":11146},{},[11147],{"_1935":1941,"_1937":11148,"_49":11149},{},[11150],{"_1935":1945,"_1946":11151,"_1948":11152,"_1937":11153},"To be over 18 years old",[],{},{"_1935":2824,"_1937":11155,"_49":11156},{},[11157],{"_1935":1941,"_1937":11158,"_49":11159},{},[11160],{"_1935":1945,"_1946":11161,"_1948":11162,"_1937":11163},"To have a UK bank account",[],{},{"_1935":2824,"_1937":11165,"_49":11166},{},[11167],{"_1935":1941,"_1937":11168,"_49":11169},{},[11170],{"_1935":1945,"_1946":11171,"_1948":11172,"_1937":11173},"Up-to-date accounts and bank statements",[],{},{"_1935":2824,"_1937":11175,"_49":11176},{},[11177],{"_1935":1941,"_1937":11178,"_49":11179},{},[11180],{"_1935":1945,"_1946":11181,"_1948":11182,"_1937":11183},"To show your credit profile",[],{},{"_1935":2824,"_1937":11185,"_49":11186},{},[11187],{"_1935":1941,"_1937":11188,"_49":11189},{},[11190],{"_1935":1945,"_1946":11191,"_1948":11192,"_1937":11193},"A business plan with the loan's purpose and how you plan to repay it",[],{},{"_1935":1941,"_1937":11195,"_49":11196},{},[11197],{"_1935":1945,"_1946":11198,"_1948":11199,"_1937":11200},"The credit score required to secure a business loan varies depending on your lender and the type of loan you're applying for.",[],{},{"_1793":11202,"_1799":11205,"_1833":11215},{"_1795":11203,"_1797":11204},[],[],{"_1801":11206,"_13":1809,"_1807":6409,"_1811":11208,"_1816":2335,"_1818":11210,"_1820":11211,"_1822":11211,"_1823":11212,"_1825":2634,"_1779":11213,"_1831":1832},{"_1799":11207},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11209},{"_13":1804,"_1805":1814,"_1807":1867},"2020-09-09T13:25:09.130Z","2026-04-29T09:42:15.309Z","2020-09-09T13:25:12.695Z",{"_1799":11214},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11216,"_1836":1837},"seo_category_business_current_accounts","7MQtnn52PxDWpz3Xv6gwI9",{"_1793":11219,"_1799":11222,"_1833":11233},{"_1795":11220,"_1797":11221},[],[],{"_1801":11223,"_13":1809,"_1807":11217,"_1811":11225,"_1816":1969,"_1818":11227,"_1820":11228,"_1822":11228,"_1823":11229,"_1825":11230,"_1779":11231,"_1831":1832},{"_1799":11224},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11226},{"_13":1804,"_1805":1814,"_1807":1923},"2023-06-02T13:36:05.386Z","2026-05-19T15:37:27.107Z","2023-06-14T14:10:31.963Z",29,{"_1799":11232},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11234,"_1932":11235,"_49":11236,"_1836":1837},"Platinum - business loans - FAQ 4","How can I check if my business has a credit record?",{"_1935":1936,"_1937":11237,"_49":11238},{},[11239],{"_1935":1941,"_1937":11240,"_49":11241},{},[11242],{"_1935":1945,"_1946":11243,"_1948":11244,"_1937":11245},"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":11247,"_1799":11250,"_1833":11260},{"_1795":11248,"_1797":11249},[],[],{"_1801":11251,"_13":1809,"_1807":3758,"_1811":11253,"_1816":4697,"_1818":11255,"_1820":11256,"_1822":11256,"_1823":11257,"_1825":6245,"_1779":11258,"_1831":1832},{"_1799":11252},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11254},{"_13":1804,"_1805":1814,"_1807":2380},"2023-11-17T11:29:10.385Z","2026-03-17T18:20:52.138Z","2023-11-21T15:19:54.486Z",{"_1799":11259},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11261,"_1836":1837,"_1978":4810,"_2391":11262,"_2466":1786},"Platinum - Business credit cards - Expert quote",{"_4812":11263,"_3528":4814,"_4269":4270,"_4815":4816,"_4817":4818},"Business credit cards can give you breathing room when cash flow is tight. They also make expense tracking far simpler. 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Registered company directors can apply for most business loans.",{"_1793":11328,"_1799":11333,"_1833":11343},{"_1795":11329,"_1797":11332},[11330],{"_1799":11331},{"_13":1804,"_1805":2065,"_1807":2066},[],{"_1801":11334,"_13":1809,"_1807":2215,"_1811":11336,"_1816":2257,"_1818":11338,"_1820":11339,"_1822":11339,"_1823":11340,"_1825":2335,"_1779":11341,"_1831":1832},{"_1799":11335},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11337},{"_13":1804,"_1805":1814,"_1807":3689},"2024-01-25T10:07:26.131Z","2026-01-07T16:13:23.326Z","2024-01-30T12:34:35.724Z",{"_1799":11342},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11344,"_1836":1837,"_1932":2085,"_3701":11345,"_8823":11346,"_3703":59,"_3704":3705,"_2107":11348,"_8838":8839,"_8840":1839,"_2744":11357},"Business - Guides - Starting a business from scratch - Modular page (SME)","Find out the key elements of starting a business from scratch, including tax, finances, insurance, market research and advertising.",{"_1799":11347},{"_13":1804,"_1805":2040,"_1807":6290},[11349,11351,11353,11355],{"_1799":11350},{"_13":1804,"_1805":1809,"_1807":4704},{"_1799":11352},{"_13":1804,"_1805":1809,"_1807":2059},{"_1799":11354},{"_13":1804,"_1805":1809,"_1807":6268},{"_1799":11356},{"_13":1804,"_1805":1809,"_1807":7582},"Read More","7iXxFsLEQknOX5LxPKi2zs",{"_1793":11360,"_1799":11363,"_1833":11373},{"_1795":11361,"_1797":11362},[],[],{"_1801":11364,"_13":1809,"_1807":11358,"_1811":11366,"_1816":3650,"_1818":11368,"_1820":11369,"_1822":11369,"_1823":11370,"_1825":2310,"_1779":11371,"_1831":1832},{"_1799":11365},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11367},{"_13":1804,"_1805":1814,"_1807":1968},"2025-07-16T12:45:26.836Z","2026-05-16T13:18:04.525Z","2025-07-17T14:39:18.695Z",{"_1799":11372},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11374,"_1836":1837,"_1978":1979,"_49":11375,"_1997":11390},"Business loans - why choose money.co.uk - get approved",{"_1937":11376,"_49":11377,"_1935":1936},{},[11378,11384],{"_1937":11379,"_49":11383,"_1935":1990},{"_1985":11380},{"_1799":11381},{"_1807":11382,"_13":1804,"_1805":1809},"XVEwLvY5GWwvDoXlAsPb7",[],{"_1937":11385,"_49":11386,"_1935":1941},{},[11387],{"_1937":11388,"_1948":11389,"_1946":9,"_1935":1945},{},[],{"_1935":1936,"_1937":11391,"_49":11392},{},[11393,11400],{"_1935":2002,"_1937":11394,"_49":11395},{},[11396],{"_1935":1945,"_1946":11397,"_1948":11398,"_1937":11399},"Get approved quickly",[],{},{"_1935":1941,"_1937":11401,"_49":11402},{},[11403],{"_1935":1945,"_1946":11404,"_1948":11405,"_1937":11406},"We work with partners who can approve your business loan in as little as 24 hours, so you can quickly access your funding.",[],{},{"_1793":11408,"_1799":11411,"_1833":11421},{"_1795":11409,"_1797":11410},[],[],{"_1801":11412,"_13":1809,"_1807":2363,"_1811":11414,"_1816":2257,"_1818":11416,"_1820":11417,"_1822":11417,"_1823":11418,"_1825":2480,"_1779":11419,"_1831":1832},{"_1799":11413},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11415},{"_13":1804,"_1805":1814,"_1807":1968},"2025-11-17T14:42:27.749Z","2026-02-23T18:21:04.864Z","2025-11-18T17:06:55.220Z",{"_1799":11420},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11422,"_1836":1837,"_1978":1979,"_49":11423,"_1997":11437},"Business credit cards - why money.co.uk - Easy to compare and apply",{"_1937":11424,"_49":11425,"_1935":1936},{},[11426,11431],{"_1937":11427,"_49":11430,"_1935":1990},{"_1985":11428},{"_1799":11429},{"_1807":2417,"_13":1804,"_1805":1809},[],{"_1937":11432,"_49":11433,"_1935":1941},{},[11434],{"_1937":11435,"_1948":11436,"_1946":9,"_1935":1945},{},[],{"_1937":11438,"_49":11439,"_1935":1936},{},[11440,11447],{"_1937":11441,"_49":11442,"_1935":2002},{},[11443],{"_1937":11444,"_1948":11445,"_1946":11446,"_1935":1945},{},[],"Easy to compare and apply",{"_1937":11448,"_49":11449,"_1935":1941},{},[11450],{"_1937":11451,"_1948":11452,"_1946":11453,"_1935":1945},{},[],"Compare rates, fees and terms upfront, so you can apply for the card that ticks all your boxes with confidence.",{"_1793":11455,"_1799":11458,"_1833":11467},{"_1795":11456,"_1797":11457},[],[],{"_1801":11459,"_13":1809,"_1807":5370,"_1811":11461,"_1816":2553,"_1818":11463,"_1820":11464,"_1822":11464,"_1823":11464,"_1825":2253,"_1779":11465,"_1831":1832},{"_1799":11460},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11462},{"_13":1804,"_1805":1814,"_1807":1923},"2024-09-03T15:47:47.711Z","2024-09-25T15:15:55.609Z",{"_1799":11466},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11468,"_1932":11469,"_49":11470,"_1836":1837},"Business - Savings Accounts - Pros and cons of a business savings account - How do I open a business savings account?","How do I open a business savings account?",{"_1935":1936,"_1937":11471,"_49":11472},{},[11473],{"_1935":1941,"_1937":11474,"_49":11475},{},[11476],{"_1935":1945,"_1946":11477,"_1948":11478,"_1937":11479},"Depending on the provider, you may be able to open your account online, over the phone, by post or in branch. You usually need to fill in an application form, providing details about your business and its annual turnover, as well as ID and address verification documents and proof of business registration. ",[],{},{"_1793":11481,"_1799":11484,"_1833":11494},{"_1795":11482,"_1797":11483},[],[],{"_1801":11485,"_13":1809,"_1807":4443,"_1811":11487,"_1816":6924,"_1818":11489,"_1820":11490,"_1822":11490,"_1823":11491,"_1825":7355,"_1779":11492,"_1831":1832},{"_1799":11486},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11488},{"_13":1804,"_1805":1814,"_1807":1867},"2021-08-10T14:47:57.125Z","2026-02-19T12:03:21.922Z","2021-08-10T14:47:57.668Z",{"_1799":11493},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11495,"_1836":1837},"Not set",{"_1793":11497,"_1799":11500,"_1833":11510},{"_1795":11498,"_1797":11499},[],[],{"_1801":11501,"_13":1809,"_1807":2235,"_1811":11503,"_1816":3598,"_1818":11505,"_1820":11506,"_1822":11506,"_1823":11507,"_1825":4805,"_1779":11508,"_1831":1832},{"_1799":11502},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11504},{"_13":1804,"_1805":1814,"_1807":1867},"2021-12-01T11:27:11.598Z","2026-05-22T12:32:26.874Z","2022-03-23T13:00:15.414Z",{"_1799":11509},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11511,"_1836":1837},"Business - Sitemap",{"_1793":11513,"_1799":11516,"_1833":11527},{"_1795":11514,"_1797":11515},[],[],{"_1801":11517,"_13":1809,"_1807":9463,"_1811":11519,"_1816":2207,"_1818":11521,"_1820":11522,"_1822":11522,"_1823":11523,"_1825":11524,"_1779":11525,"_1831":1832},{"_1799":11518},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11520},{"_13":1804,"_1805":1814,"_1807":1968},"2026-04-02T12:35:48.191Z","2026-05-16T13:18:04.352Z","2026-04-08T14:21:24.243Z",83,{"_1799":11526},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11528,"_1836":1837,"_1978":1979},"How a lender decides loan size",{"_1793":11530,"_1799":11533,"_1833":11544},{"_1795":11531,"_1797":11532},[],[],{"_1801":11534,"_13":1809,"_1807":3740,"_1811":11536,"_1816":2696,"_1818":11538,"_1820":11539,"_1822":11539,"_1823":11540,"_1825":11541,"_1779":11542,"_1831":1832},{"_1799":11535},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11537},{"_13":1804,"_1805":1814,"_1807":1968},"2023-06-14T12:39:57.430Z","2026-02-19T15:05:28.304Z","2023-06-16T10:35:37.059Z",146,{"_1799":11543},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":9351,"_1836":1837,"_1978":1979,"_2132":11545,"_49":11561},{"_1937":11546,"_49":11547,"_1935":1936},{},[11548,11555],{"_1937":11549,"_49":11550,"_1935":2350},{},[11551],{"_1937":11552,"_1948":11553,"_1946":11554,"_1935":1945},{},[],"Am I eligible for a business credit card?",{"_1937":11556,"_49":11557,"_1935":1941},{},[11558],{"_1937":11559,"_1948":11560,"_1946":9,"_1935":1945},{},[],{"_1935":1936,"_1937":11562,"_49":11563},{},[11564,11583,11590,11623,11630,11647,11652],{"_1935":1941,"_1937":11565,"_49":11566},{},[11567,11571,11579],{"_1935":1945,"_1946":11568,"_1948":11569,"_1937":11570},"Eligibility depends on the provider’s criteria and your company’s financial profile. While some business credit cards are designed for ",[],{},{"_1935":2284,"_1937":11572,"_49":11574},{"_2275":11573},"https://www.money.co.uk/business/business-credit-cards/startups",[11575],{"_1935":1945,"_1946":11576,"_1948":11577,"_1937":11578},"startups",[],{},{"_1935":1945,"_1946":11580,"_1948":11581,"_1937":11582}," or sole traders, others may require a minimum turnover or business history. ",[],{},{"_1935":1941,"_1937":11584,"_49":11585},{},[11586],{"_1935":1945,"_1946":11587,"_1948":11588,"_1937":11589},"To apply for a business credit card in the UK, you need to:",[],{},{"_1935":2820,"_1937":11591,"_49":11592},{},[11593,11603,11613],{"_1935":2824,"_1937":11594,"_49":11595},{},[11596],{"_1935":1941,"_1937":11597,"_49":11598},{},[11599],{"_1935":1945,"_1946":11600,"_1948":11601,"_1937":11602},"Be aged 18 or over",[],{},{"_1935":2824,"_1937":11604,"_49":11605},{},[11606],{"_1935":1941,"_1937":11607,"_49":11608},{},[11609],{"_1935":1945,"_1946":11610,"_1948":11611,"_1937":11612},"Be a UK resident",[],{},{"_1935":2824,"_1937":11614,"_49":11615},{},[11616],{"_1935":1941,"_1937":11617,"_49":11618},{},[11619],{"_1935":1945,"_1946":11620,"_1948":11621,"_1937":11622},"Run a UK-registered business (sole trader, partner, or limited company director)",[],{},{"_1935":1941,"_1937":11624,"_49":11625},{},[11626],{"_1935":1945,"_1946":11627,"_1948":11628,"_1937":11629},"Some will also ask you to pass a personal credit check as well as a business one, or request proof of steady cash flow. ",[],{},{"_1935":1941,"_1937":11631,"_49":11632},{},[11633,11637,11644],{"_1935":1945,"_1946":11634,"_1948":11635,"_1937":11636},"To improve your approval chances, check the provider’s specific criteria and consider using an eligibility checker to avoid impacting your ",[],{},{"_1935":2284,"_1937":11638,"_49":11639},{"_2275":5800},[11640],{"_1935":1945,"_1946":11641,"_1948":11642,"_1937":11643},"credit score",[],{},{"_1935":1945,"_1946":2507,"_1948":11645,"_1937":11646},[],{},{"_1935":1990,"_1937":11648,"_49":11651},{"_1985":11649},{"_1799":11650},{"_1807":10587,"_13":1804,"_1805":1809},[],{"_1935":1941,"_1937":11653,"_49":11654},{},[11655],{"_1935":1945,"_1946":9,"_1948":11656,"_1937":11657},[],{},{"_1793":11659,"_1799":11662,"_1833":11673},{"_1795":11660,"_1797":11661},[],[],{"_1801":11663,"_13":1809,"_1807":4840,"_1811":11665,"_1816":3865,"_1818":11667,"_1820":11668,"_1822":11668,"_1823":11669,"_1825":11670,"_1779":11671,"_1831":1832},{"_1799":11664},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11666},{"_13":1804,"_1805":1814,"_1807":2306},"2020-03-10T16:17:30.214Z","2025-07-08T13:26:36.106Z","2020-03-10T16:18:00.383Z",75,{"_1799":11672},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11674,"_1836":1837,"_2315":11675,"_2317":455,"_2318":11676},"Business INS comparison - Money home - Parent","Business Insurance",{"_1799":11677},{"_13":1804,"_1805":1809,"_1807":4879},{"_1793":11679,"_1799":11682,"_1833":11693},{"_1795":11680,"_1797":11681},[],[],{"_1801":11683,"_13":1809,"_1807":6464,"_1811":11685,"_1816":3598,"_1818":11687,"_1820":11688,"_1822":11688,"_1823":11689,"_1825":11690,"_1779":11691,"_1831":1832},{"_1799":11684},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11686},{"_13":1804,"_1805":1814,"_1807":2122},"2024-12-17T15:12:01.705Z","2026-04-29T09:42:14.500Z","2024-12-17T15:41:08.064Z",58,{"_1799":11692},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11694,"_1836":1837,"_2132":11695,"_2160":11711,"_2162":11712,"_2170":59,"_5996":5997},"SME Case Studies - Collection Module",{"_1937":11696,"_49":11697,"_1935":1936},{},[11698,11705],{"_1937":11699,"_49":11700,"_1935":2350},{},[11701],{"_1937":11702,"_1948":11703,"_1946":11704,"_1935":1945},{},[],"Business success stories",{"_1937":11706,"_49":11707,"_1935":1941},{},[11708],{"_1937":11709,"_1948":11710,"_1946":9,"_1935":1945},{},[],"pills",[11713,11715,11717],{"_1799":11714},{"_13":1804,"_1805":1809,"_1807":2086},{"_1799":11716},{"_13":1804,"_1805":1809,"_1807":4279},{"_1799":11718},{"_13":1804,"_1805":1809,"_1807":3855},{"_1793":11720,"_1799":11723,"_1833":11733},{"_1795":11721,"_1797":11722},[],[],{"_1801":11724,"_13":1809,"_1807":5578,"_1811":11726,"_1816":2101,"_1818":11728,"_1820":11729,"_1822":11729,"_1823":11730,"_1825":4041,"_1779":11731,"_1831":1832},{"_1799":11725},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11727},{"_13":1804,"_1805":1814,"_1807":1923},"2025-04-10T09:32:04.600Z","2026-04-01T10:16:10.601Z","2025-04-17T12:54:41.054Z",{"_1799":11732},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11734,"_1932":11735,"_49":11736,"_1836":1837},"Platinum - Business - Business Credit Cards - More than one","Is it worth having more than one business credit card?",{"_1935":1936,"_1937":11737,"_49":11738},{},[11739,11746,11765,11772,11779,11787,11806,11848],{"_1935":1941,"_1937":11740,"_49":11741},{},[11742],{"_1935":1945,"_1946":11743,"_1948":11744,"_1937":11745},"The number of business credit cards you need depends on your business’s spending habits and financial goals. ",[],{},{"_1935":1941,"_1937":11747,"_49":11748},{},[11749,11753,11761],{"_1935":1945,"_1946":11750,"_1948":11751,"_1937":11752},"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",[],{},{"_1935":2284,"_1937":11754,"_49":11756},{"_2275":11755},"https://www.money.co.uk/business/guides/how-to-improve-cash-flow",[11757],{"_1935":1945,"_1946":11758,"_1948":11759,"_1937":11760}," improve cash flow",[],{},{"_1935":1945,"_1946":11762,"_1948":11763,"_1937":11764}," by spreading out payment due dates.",[],{},{"_1935":1941,"_1937":11766,"_49":11767},{},[11768],{"_1935":1945,"_1946":11769,"_1948":11770,"_1937":11771},"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. ",[],{},{"_1935":1941,"_1937":11773,"_49":11774},{},[11775],{"_1935":1945,"_1946":11776,"_1948":11777,"_1937":11778},"Ultimately, the best approach is to choose the number of cards that fits your business needs and financial management capabilities. ",[],{},{"_1935":1941,"_1937":11780,"_49":11781},{},[11782],{"_1935":1945,"_1946":11783,"_1948":11784,"_1937":11786},"Tax deductions",[11785],{"_13":2834},{},{"_1935":1941,"_1937":11788,"_49":11789},{},[11790,11794,11802],{"_1935":1945,"_1946":11791,"_1948":11792,"_1937":11793},"Using your business credit card for ",[],{},{"_1935":2284,"_1937":11795,"_49":11797},{"_2275":11796},"https://www.money.co.uk/business/guides/business-expenses-explained",[11798],{"_1935":1945,"_1946":11799,"_1948":11800,"_1937":11801},"legitimate business expenses",[],{},{"_1935":1945,"_1946":11803,"_1948":11804,"_1937":11805},", like office supplies, travel, or client entertainment, can also help you claim tax deductions. ",[],{},{"_1935":1941,"_1937":11807,"_49":11808},{},[11809,11813,11821,11825,11833,11837,11845],{"_1935":1945,"_1946":11810,"_1948":11811,"_1937":11812},"These purchases are typically considered tax-deductible business expenses when ",[],{},{"_1935":2284,"_1937":11814,"_49":11816},{"_2275":11815},"https://www.money.co.uk/business/guides/beginners-guide-to-self-assessment",[11817],{"_1935":1945,"_1946":11818,"_1948":11819,"_1937":11820},"filing your self-assessment",[],{},{"_1935":1945,"_1946":11822,"_1948":11823,"_1937":11824}," or ",[],{},{"_1935":2284,"_1937":11826,"_49":11828},{"_2275":11827},"https://www.money.co.uk/business/guides/corporation-tax-guide",[11829],{"_1935":1945,"_1946":11830,"_1948":11831,"_1937":11832},"corporate tax return",[],{},{"_1935":1945,"_1946":11834,"_1948":11835,"_1937":11836},". To make the process easier, keep detailed records of all transactions. Credit card statements can be a useful tool for ",[],{},{"_1935":2284,"_1937":11838,"_49":11840},{"_2275":11839},"https://www.money.co.uk/business/guides/how-to-track-business-expenses",[11841],{"_1935":1945,"_1946":11842,"_1948":11843,"_1937":11844},"tracking and categorising expenses",[],{},{"_1935":1945,"_1946":8428,"_1948":11846,"_1937":11847},[],{},{"_1935":1941,"_1937":11849,"_49":11850},{},[11851,11855,11859,11867],{"_1935":1945,"_1946":11852,"_1948":11853,"_1937":11854},"I",[],{},{"_1935":1945,"_1946":11856,"_1948":11857,"_1937":11858},"nterest on outstanding balances is generally not tax-deductible, so it’s important to pay off your credit card on time to avoid unnecessary costs. For personalised advice and to maximise your deductions while staying compliant, consult a qualified ",[],{},{"_1935":2284,"_1937":11860,"_49":11862},{"_2275":11861},"https://www.money.co.uk/business/guides/tax-advisors-and-accountants",[11863],{"_1935":1945,"_1946":11864,"_1948":11865,"_1937":11866},"accountant or tax adviser",[],{},{"_1935":1945,"_1946":2507,"_1948":11868,"_1937":11869},[],{},{"_1793":11871,"_1799":11874,"_1833":11885},{"_1795":11872,"_1797":11873},[],[],{"_1801":11875,"_13":1809,"_1807":7551,"_1811":11877,"_1816":2987,"_1818":11879,"_1820":11880,"_1822":11880,"_1823":11881,"_1825":11882,"_1779":11883,"_1831":1832},{"_1799":11876},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11878},{"_13":1804,"_1805":1814,"_1807":7548},"2025-02-10T11:25:06.921Z","2026-05-16T13:18:03.747Z","2025-02-13T17:13:19.722Z",45,{"_1799":11884},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11886,"_1836":1837,"_1978":11887,"_2701":11888},"Business Loans forced journey test","platinum-ppc",{"_11889":11890,"_11901":11902,"_11903":11904,"_1978":11905,"_11906":11907,"_1878":11896},"steps",[11891],{"_1833":11892,"_11899":11900},[11893,11897],{"_47":11894,"_13":11895,"_1946":11896},"source","hidden","business-loans",{"_47":11898,"_13":11895,"_1946":286},"page","buttonProps",{"_4471":6989,"_1978":5997},"action",{"_6108":6177},"method","GET","simple","productId","fa532f9b-f932-4cf6-bc30-3764d59e98b8",{"_1793":11909,"_1799":11912,"_1833":11922},{"_1795":11910,"_1797":11911},[],[],{"_1801":11913,"_13":1809,"_1807":9107,"_1811":11915,"_1816":2253,"_1818":11917,"_1820":11918,"_1822":11918,"_1823":11919,"_1825":2257,"_1779":11920,"_1831":1832},{"_1799":11914},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11916},{"_13":1804,"_1805":1814,"_1807":1923},"2026-03-20T15:11:15.849Z","2026-04-29T09:42:14.872Z","2026-03-20T16:35:30.522Z",{"_1799":11921},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11923,"_1932":11924,"_49":11925,"_1836":1837},"BCA -- Is my money protected?","Is my money protected?",{"_1935":1936,"_1937":11926,"_49":11927},{},[11928],{"_1935":1941,"_1937":11929,"_49":11930},{},[11931,11935,11944],{"_1935":1945,"_1946":11932,"_1948":11933,"_1937":11934},"Most UK business bank accounts are protected by the ",[],{},{"_1935":2284,"_1937":11936,"_49":11938},{"_2275":11937},"https://www.fscs.org.uk/",[11939],{"_1935":1945,"_1946":11940,"_1948":11941,"_1937":11943},"FSCS",[11942],{"_13":2282},{},{"_1935":1945,"_1946":11945,"_1948":11946,"_1937":11947}," 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":11949,"_1799":11952,"_1833":11962},{"_1795":11950,"_1797":11951},[],[],{"_1801":11953,"_13":1809,"_1807":2227,"_1811":11955,"_1816":2257,"_1818":11957,"_1820":11958,"_1822":11958,"_1823":11959,"_1825":2101,"_1779":11960,"_1831":1832},{"_1799":11954},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11956},{"_13":1804,"_1805":1814,"_1807":6009},"2021-04-12T09:32:13.605Z","2026-01-28T11:38:09.635Z","2021-04-12T09:37:21.563Z",{"_1799":11961},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11963,"_1836":1837,"_6018":9293,"_1815":11964,"_9295":11965,"_6020":11966,"_6022":11967},"Sara Benwell","/authors/sara-benwell","https://twitter.com/sarabenwell","https://www.linkedin.com/in/sara-benwell-66a37b21/",{"_1799":11968},{"_13":1804,"_1805":2040,"_1807":11969},"2mT9nHQz9NUoVYHOJIJzzU",{"_1793":11971,"_1799":11974,"_1833":11984},{"_1795":11972,"_1797":11973},[],[],{"_1801":11975,"_13":1809,"_1807":4323,"_1811":11977,"_1816":2097,"_1818":11979,"_1820":11980,"_1822":11980,"_1823":11981,"_1825":4262,"_1779":11982,"_1831":1832},{"_1799":11976},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":11978},{"_13":1804,"_1805":1814,"_1807":6095},"2026-01-19T11:54:54.441Z","2026-05-11T14:51:41.443Z","2026-01-27T13:42:39.613Z",{"_1799":11983},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":11985,"_1836":1837,"_2701":11986},"Business Finance Credit Cards Products Schema Test",{"_11987":11988,"_6114":11989,"_6117":11993,"_12009":12010,"_12020":12021,"_12023":12024,"_6167":12026,"_6168":12027,"_12035":12036,"_12037":12038},"logo",{"_6108":6140},{"_1945":11990,"_1978":11991},{"_6108":6116},{"_1946":11992},"tertiary",[11994,11999,12004],{"_4471":11995,"_49":11997},{"_1946":11996},"Purchases",{"_6108":11998},"_source.definition.column_purchases",{"_4471":12000,"_49":12002},{"_1946":12001},"Annual fee",{"_6108":12003},"_source.definition.column_annual_fee",{"_4471":12005,"_49":12007},{"_1946":12006},"Representative APR (variable)",{"_6108":12008},"_source.definition.column_representative_apr_variable","keyInfo",[12011,12015],{"_6198":12012,"_1932":12014},{"_6108":12013},"_source.definition.usps",{"_1946":6193},{"_6198":12016,"_1932":12018},{"_6108":12017},"fees",{"_1946":12019},"Fees","provider",{"_6108":12022},"_source.definition.provider.name","footNotes",{"_6108":12025},"_source.definition.usp_representative_example",{"_1946":2253},[12028,12032],{"_34":12029,"_1945":12030},{"_6108":6177},{"_1946":12031},"Apply online",{"_34":12033,"_1945":12034},{"_6108":6172},{"_1946":6174},"displayName",{"_6108":6164},"cardFootnote",{"_6108":12039},"_source.definition.card_footnote",{"_1793":12041,"_1799":12044,"_1833":12053},{"_1795":12042,"_1797":12043},[],[],{"_1801":12045,"_13":1809,"_1807":5376,"_1811":12047,"_1816":2553,"_1818":12049,"_1820":12050,"_1822":12050,"_1823":12050,"_1825":2203,"_1779":12051,"_1831":1832},{"_1799":12046},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12048},{"_13":1804,"_1805":1814,"_1807":1923},"2024-09-03T15:48:33.435Z","2024-09-25T15:16:24.636Z",{"_1799":12052},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12054,"_1932":12055,"_49":12056,"_1836":1837},"Business - Savings Accounts - Pros and cons of a business savings account - Can I open a business ISA?","Can I open a business ISA?",{"_1935":1936,"_1937":12057,"_49":12058},{},[12059],{"_1935":1941,"_1937":12060,"_49":12061},{},[12062],{"_1935":1945,"_1946":12063,"_1948":12064,"_1937":12065},"No, ISAs are only available for individuals, not businesses. However, if you’re a sole trader, you might be able to use a personal ISA for your business savings. 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Some accounts also cap how much cash you can deposit in a single day. Before committing, check that the account’s limits match your expected transaction volume.",[],{},{"_1935":1941,"_1937":12131,"_49":12132},{},[12133],{"_1935":1945,"_1946":12134,"_1948":12135,"_1937":12136},"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":12138,"_1799":12143,"_1833":12152},{"_1795":12139,"_1797":12142},[12140],{"_1799":12141},{"_13":1804,"_1805":2065,"_1807":2066},[],{"_1801":12144,"_13":1809,"_1807":8834,"_1811":12146,"_1816":2553,"_1818":12148,"_1820":12149,"_1822":12149,"_1823":12149,"_1825":4316,"_1779":12150,"_1831":1832},{"_1799":12145},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12147},{"_13":1804,"_1805":1814,"_1807":6280},"2024-09-03T10:52:56.807Z","2024-09-09T10:18:48.825Z",{"_1799":12151},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12153,"_6022":12154,"_6291":12156,"_2170":59,"_6293":59,"_6294":6295,"_1836":1837},"Business - Savings Accounts - Pros and cons of a business savings account - Image module (Business Savings guide template)",{"_1799":12155},{"_13":1804,"_1805":2040,"_1807":8826},"Business savings accounts allow you to earn interest on your spare cash, 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to improve your chances of getting a business credit card",{"_1937":12213,"_49":12214,"_1935":1936},{},[12215,12221],{"_1937":12216,"_49":12217,"_1935":2350},{},[12218],{"_1937":12219,"_1948":12220,"_1946":12211,"_1935":1945},{},[],{"_1937":12222,"_49":12223,"_1935":1941},{},[12224],{"_1937":12225,"_1948":12226,"_1946":9,"_1935":1945},{},[],{"_1935":1936,"_1937":12228,"_49":12229},{},[12230,12237,12299],{"_1935":1941,"_1937":12231,"_49":12232},{},[12233],{"_1935":1945,"_1946":12234,"_1948":12235,"_1937":12236},"Here are the five most effective ways to boost your chances of getting approved:",[],{},{"_1935":2820,"_1937":12238,"_49":12239},{},[12240,12255,12266,12277,12288],{"_1935":2824,"_1937":12241,"_49":12242},{},[12243],{"_1935":1941,"_1937":12244,"_49":12245},{},[12246,12251],{"_1935":1945,"_1946":12247,"_1948":12248,"_1937":12250},"Use your business bank account: ",[12249],{"_13":2834},{},{"_1935":1945,"_1946":12252,"_1948":12253,"_1937":12254},"Use your account regularly to prove your turnover over a sustained period of time.",[],{},{"_1935":2824,"_1937":12256,"_49":12257},{},[12258],{"_1935":1941,"_1937":12259,"_49":12260},{},[12261],{"_1935":1945,"_1946":12262,"_1948":12263,"_1937":12265},"Better cashflow visibility: ",[12264],{"_13":2834},{},{"_1935":2824,"_1937":12267,"_49":12268},{},[12269],{"_1935":1941,"_1937":12270,"_49":12271},{},[12272],{"_1935":1945,"_1946":12273,"_1948":12274,"_1937":12276},"Simplify tax reporting: ",[12275],{"_13":2834},{},{"_1935":2824,"_1937":12278,"_49":12279},{},[12280],{"_1935":1941,"_1937":12281,"_49":12282},{},[12283],{"_1935":1945,"_1946":12284,"_1948":12285,"_1937":12287},"Stick to the terms of your accounts: ",[12286],{"_13":2834},{},{"_1935":2824,"_1937":12289,"_49":12290},{},[12291],{"_1935":1941,"_1937":12292,"_49":12293},{},[12294],{"_1935":1945,"_1946":12295,"_1948":12296,"_1937":12298},"Build business credit history: ",[12297],{"_13":2834},{},{"_1935":1941,"_1937":12300,"_49":12301},{},[12302],{"_1935":1945,"_1946":9,"_1948":12303,"_1937":12304},[],{},{"_1793":12306,"_1799":12309,"_1833":12319},{"_1795":12307,"_1797":12308},[],[],{"_1801":12310,"_13":1809,"_1807":9104,"_1811":12312,"_1816":2253,"_1818":12314,"_1820":12315,"_1822":12315,"_1823":12316,"_1825":2257,"_1779":12317,"_1831":1832},{"_1799":12311},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12313},{"_13":1804,"_1805":1814,"_1807":1923},"2026-03-20T15:10:13.670Z","2026-04-29T09:42:14.856Z","2026-03-20T16:35:30.508Z",{"_1799":12318},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12320,"_1932":12321,"_49":12322,"_1836":1837},"BCA -- What fees should I expect?","What fees should I expect?",{"_1935":1936,"_1937":12323,"_49":12324},{},[12325,12332,12410],{"_1935":1941,"_1937":12326,"_49":12327},{},[12328],{"_1935":1945,"_1946":12329,"_1948":12330,"_1937":12331},"Common charges to look out for include:",[],{},{"_1935":2820,"_1937":12333,"_49":12334},{},[12335,12350,12365,12380,12395],{"_1935":2824,"_1937":12336,"_49":12337},{},[12338],{"_1935":1941,"_1937":12339,"_49":12340},{},[12341,12346],{"_1935":1945,"_1946":12342,"_1948":12343,"_1937":12345},"Monthly maintenance fees:",[12344],{"_13":2834},{},{"_1935":1945,"_1946":12347,"_1948":12348,"_1937":12349}," A fixed charge for maintaining your account.",[],{},{"_1935":2824,"_1937":12351,"_49":12352},{},[12353],{"_1935":1941,"_1937":12354,"_49":12355},{},[12356,12361],{"_1935":1945,"_1946":12357,"_1948":12358,"_1937":12360},"Transaction fees:",[12359],{"_13":2834},{},{"_1935":1945,"_1946":12362,"_1948":12363,"_1937":12364}," Costs for deposits, withdrawals, and payments.",[],{},{"_1935":2824,"_1937":12366,"_49":12367},{},[12368],{"_1935":1941,"_1937":12369,"_49":12370},{},[12371,12376],{"_1935":1945,"_1946":12372,"_1948":12373,"_1937":12375},"Overdraft charges:",[12374],{"_13":2834},{},{"_1935":1945,"_1946":12377,"_1948":12378,"_1937":12379}," Fees for accessing overdraft facilities.",[],{},{"_1935":2824,"_1937":12381,"_49":12382},{},[12383],{"_1935":1941,"_1937":12384,"_49":12385},{},[12386,12391],{"_1935":1945,"_1946":12387,"_1948":12388,"_1937":12390},"International transfer fees:",[12389],{"_13":2834},{},{"_1935":1945,"_1946":12392,"_1948":12393,"_1937":12394}," Charges for sending or receiving money abroad.",[],{},{"_1935":2824,"_1937":12396,"_49":12397},{},[12398],{"_1935":1941,"_1937":12399,"_49":12400},{},[12401,12406],{"_1935":1945,"_1946":12402,"_1948":12403,"_1937":12405},"Debit card usage fees:",[12404],{"_13":2834},{},{"_1935":1945,"_1946":12407,"_1948":12408,"_1937":12409}," Costs for using your business debit card, especially abroad.",[],{},{"_1935":1941,"_1937":12411,"_49":12412},{},[12413],{"_1935":1945,"_1946":12414,"_1948":12415,"_1937":12416},"Some accounts offer free banking for an introductory period.",[],{},{"_1793":12418,"_1799":12421,"_1833":12431},{"_1795":12419,"_1797":12420},[],[],{"_1801":12422,"_13":1809,"_1807":9110,"_1811":12424,"_1816":2253,"_1818":12426,"_1820":12427,"_1822":12427,"_1823":12428,"_1825":3865,"_1779":12429,"_1831":1832},{"_1799":12423},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12425},{"_13":1804,"_1805":1814,"_1807":1923},"2026-03-20T15:12:16.269Z","2026-04-29T09:42:14.888Z","2026-03-20T16:35:30.540Z",{"_1799":12430},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12432,"_1932":12433,"_49":12434,"_1836":1837},"BCA -- Can I get an overdraft?","Can I get an overdraft?",{"_1937":12435,"_49":12436,"_1935":1936},{},[12437,12456,12472],{"_1937":12438,"_49":12439,"_1935":1941},{},[12440,12443,12452],{"_1937":12441,"_1948":12442,"_1946":7162,"_1935":1945},{},[],{"_1937":12444,"_49":12446,"_1935":2284},{"_2275":12445},"https://www.money.co.uk/business/bank-accounts/business-overdraft",[12447],{"_1937":12448,"_1948":12449,"_1946":12451,"_1935":1945},{},[12450],{"_13":2282},"business overdraft",{"_1937":12453,"_1948":12454,"_1946":12455,"_1935":1945},{},[]," 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.",{"_1937":12457,"_49":12458,"_1935":1941},{},[12459,12463,12469],{"_1937":12460,"_1948":12461,"_1946":12462,"_1935":1945},{},[],"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 ",{"_1937":12464,"_49":12465,"_1935":2284},{"_2275":5800},[12466],{"_1937":12467,"_1948":12468,"_1946":11641,"_1935":1945},{},[],{"_1937":12470,"_1948":12471,"_1946":2507,"_1935":1945},{},[],{"_1937":12473,"_49":12474,"_1935":1941},{},[12475],{"_1937":12476,"_1948":12477,"_1946":12478,"_1935":1945},{},[],"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":12480,"_1799":12485,"_1833":12495},{"_1795":12481,"_1797":12484},[12482],{"_1799":12483},{"_13":1804,"_1805":2065,"_1807":2066},[],{"_1801":12486,"_13":1809,"_1807":8837,"_1811":12488,"_1816":2207,"_1818":12490,"_1820":12491,"_1822":12491,"_1823":12492,"_1825":7517,"_1779":12493,"_1831":1832},{"_1799":12487},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":12489},{"_13":1804,"_1805":1814,"_1807":7594},"2024-09-03T10:52:57.568Z","2026-04-15T11:23:20.388Z","2024-09-09T10:19:08.363Z",{"_1799":12494},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":12496,"_49":12497,"_8668":59,"_8669":8670,"_1978":8671,"_1836":1837},"Business - Savings Accounts - Pros and cons of a business savings account - RTM (Business Savings guide template)",{"_1935":1936,"_1937":12498,"_49":12499},{},[12500,12507,12514,12519,12525,12568,12575,12593,12623,12642,12649,12656,12758,12779,12786,12793,12882,12889,12896,12915,12922,12953,12960,12967,13052,13059,13066,13073,13078,13083],{"_1935":1941,"_1937":12501,"_49":12502},{},[12503],{"_1935":1945,"_1946":12504,"_1948":12505,"_1937":12506},"If you run a business, stashing any spare cash into a savings account can help you build a financial safety net to fall back on in an emergency or to help expand your business. ",[],{},{"_1935":1941,"_1937":12508,"_49":12509},{},[12510],{"_1935":1945,"_1946":12511,"_1948":12512,"_1937":12513},"But it’s important to understand what you’re signing up for before you apply, including potential drawbacks. ",[],{},{"_1935":1990,"_1937":12515,"_49":12518},{"_1985":12516},{"_1799":12517},{"_1807":10611,"_13":1804,"_1805":1809},[],{"_1935":2350,"_1937":12520,"_49":12521},{},[12522],{"_1935":1945,"_1946":7617,"_1948":12523,"_1937":12524},[],{},{"_1935":2820,"_1937":12526,"_49":12527},{},[12528,12538,12548,12558],{"_1935":2824,"_1937":12529,"_49":12530},{},[12531],{"_1935":1941,"_1937":12532,"_49":12533},{},[12534],{"_1935":1945,"_1946":12535,"_1948":12536,"_1937":12537},"Earn interest on spare business cash - helping your money grow while it’s not in use",[],{},{"_1935":2824,"_1937":12539,"_49":12540},{},[12541],{"_1935":1941,"_1937":12542,"_49":12543},{},[12544],{"_1935":1945,"_1946":12545,"_1948":12546,"_1937":12547},"It’s a simple way to set money aside for things like tax bills or future expenses",[],{},{"_1935":2824,"_1937":12549,"_49":12550},{},[12551],{"_1935":1941,"_1937":12552,"_49":12553},{},[12554],{"_1935":1945,"_1946":12555,"_1948":12556,"_1937":12557},"Some accounts limit access, so you may need to wait or give notice before you can withdraw funds",[],{},{"_1935":2824,"_1937":12559,"_49":12560},{},[12561],{"_1935":1941,"_1937":12562,"_49":12563},{},[12564],{"_1935":1945,"_1946":12565,"_1948":12566,"_1937":12567},"Interest rates and terms vary so it’s worth comparing options to find one that fits your business's cash flow needs",[],{},{"_1935":2350,"_1937":12569,"_49":12570},{},[12571],{"_1935":1945,"_1946":12572,"_1948":12573,"_1937":12574},"What is a business savings account?",[],{},{"_1935":1941,"_1937":12576,"_49":12577},{},[12578,12581,12589],{"_1935":1945,"_1946":7162,"_1948":12579,"_1937":12580},[],{},{"_1935":2284,"_1937":12582,"_49":12584},{"_2275":12583},"/business/business-savings-accounts/what-is-a-business-savings-account",[12585],{"_1935":1945,"_1946":12586,"_1948":12587,"_1937":12588},"business savings account",[],{},{"_1935":1945,"_1946":12590,"_1948":12591,"_1937":12592}," is an account you can use to deposit any surplus cash your business has. ",[],{},{"_1935":1941,"_1937":12594,"_49":12595},{},[12596,12600,12608,12612,12620],{"_1935":1945,"_1946":12597,"_1948":12598,"_1937":12599},"You shouldn’t use your business savings account for everyday transactions, but to put money aside that you want to save. Your saving goals will be unique to your business, but could include ",[],{},{"_1935":2284,"_1937":12601,"_49":12603},{"_2275":12602},"/business/guides/how-much-to-put-aside-for-tax",[12604],{"_1935":1945,"_1946":12605,"_1948":12606,"_1937":12607},"saving for a tax bill",[],{},{"_1935":1945,"_1946":12609,"_1948":12610,"_1937":12611},", buying new equipment or ",[],{},{"_1935":2284,"_1937":12613,"_49":12615},{"_2275":12614},"/business/business-savings-accounts/how-to-save-as-a-business",[12616],{"_1935":1945,"_1946":12617,"_1948":12618,"_1937":12619},"building a rainy-day fund",[],{},{"_1935":1945,"_1946":2507,"_1948":12621,"_1937":12622},[],{},{"_1935":1941,"_1937":12624,"_49":12625},{},[12626,12630,12638],{"_1935":1945,"_1946":12627,"_1948":12628,"_1937":12629},"Unlike most ",[],{},{"_1935":2284,"_1937":12631,"_49":12633},{"_2275":12632},"/business/bank-accounts/benefits-of-business-bank-account",[12634],{"_1935":1945,"_1946":12635,"_1948":12636,"_1937":12637},"business bank accounts",[],{},{"_1935":1945,"_1946":12639,"_1948":12640,"_1937":12641},", you earn interest on the funds paid into a business savings account. This helps your savings pot to grow over time.",[],{},{"_1935":2350,"_1937":12643,"_49":12644},{},[12645],{"_1935":1945,"_1946":12646,"_1948":12647,"_1937":12648},"Benefits of a business savings account",[],{},{"_1935":1941,"_1937":12650,"_49":12651},{},[12652],{"_1935":1945,"_1946":12653,"_1948":12654,"_1937":12655},"Business savings accounts offer the following benefits:",[],{},{"_1935":2820,"_1937":12657,"_49":12658},{},[12659,12674,12689,12716,12731],{"_1935":2824,"_1937":12660,"_49":12661},{},[12662],{"_1935":1941,"_1937":12663,"_49":12664},{},[12665,12670],{"_1935":1945,"_1946":12666,"_1948":12667,"_1937":12669},"Interest on savings: ",[12668],{"_13":2834},{},{"_1935":1945,"_1946":12671,"_1948":12672,"_1937":12673},"You can earn interest on any cash you don’t need for day-to-day operating expenses, helping your savings to grow.",[],{},{"_1935":2824,"_1937":12675,"_49":12676},{},[12677],{"_1935":1941,"_1937":12678,"_49":12679},{},[12680,12685],{"_1935":1945,"_1946":12681,"_1948":12682,"_1937":12684},"Financial safety net: ",[12683],{"_13":2834},{},{"_1935":1945,"_1946":12686,"_1948":12687,"_1937":12688},"You have a savings pot to fall back on in case of unexpected expenses or if sales suddenly drop.",[],{},{"_1935":2824,"_1937":12690,"_49":12691},{},[12692],{"_1935":1941,"_1937":12693,"_49":12694},{},[12695,12698,12707,12712],{"_1935":1945,"_1946":9,"_1948":12696,"_1937":12697},[],{},{"_1935":2284,"_1937":12699,"_49":12701},{"_2275":12700},"/business/bank-accounts/fscs-protection-for-business-accounts",[12702],{"_1935":1945,"_1946":12703,"_1948":12704,"_1937":12706},"FSCS protection",[12705],{"_13":2834},{},{"_1935":1945,"_1946":12708,"_1948":12709,"_1937":12711},":",[12710],{"_13":2834},{},{"_1935":1945,"_1946":12713,"_1948":12714,"_1937":12715}," The FSCS protects business savings deposits of up to £120,000 per financial institution. This means your money is safe if your bank goes bust.",[],{},{"_1935":2824,"_1937":12717,"_49":12718},{},[12719],{"_1935":1941,"_1937":12720,"_49":12721},{},[12722,12727],{"_1935":1945,"_1946":12723,"_1948":12724,"_1937":12726},"Flexibility:",[12725],{"_13":2834},{},{"_1935":1945,"_1946":12728,"_1948":12729,"_1937":12730}," You can choose from a range of business savings accounts. Some offer instant access to your money, while others let you lock away a lump sum for a set time in return for a higher interest rate. ",[],{},{"_1935":2824,"_1937":12732,"_49":12733},{},[12734],{"_1935":1941,"_1937":12735,"_49":12736},{},[12737,12740,12749,12754],{"_1935":1945,"_1946":9,"_1948":12738,"_1937":12739},[],{},{"_1935":2284,"_1937":12741,"_49":12743},{"_2275":12742},"/business/guides/how-to-separate-personal-and-business-finances",[12744],{"_1935":1945,"_1946":12745,"_1948":12746,"_1937":12748},"Separate business finances",[12747],{"_13":2834},{},{"_1935":1945,"_1946":12750,"_1948":12751,"_1937":12753},": ",[12752],{"_13":2834},{},{"_1935":1945,"_1946":12755,"_1948":12756,"_1937":12757},"If you’re a limited company, you’re legally required to keep your business and personal finances separate. Sole traders don’t need to do this by law, but a separate account can make it much easier to complete tax returns and stay on top of your finances. ",[],{},{"_1935":8141,"_1937":12759,"_49":12760},{},[12761],{"_1935":1941,"_1937":12762,"_49":12763},{},[12764,12768,12776],{"_1935":1945,"_1946":8438,"_1948":12765,"_1937":12767},[12766],{"_13":2834},{},{"_1935":2284,"_1937":12769,"_49":12771},{"_2275":12770},"/business/insights/how-business-savings-accounts-can-help-SMEs-to-grow",[12772],{"_1935":1945,"_1946":12773,"_1948":12774,"_1937":12775},"How business savings accounts can help SMEs to grow",[],{},{"_1935":1945,"_1946":9,"_1948":12777,"_1937":12778},[],{},{"_1935":2350,"_1937":12780,"_49":12781},{},[12782],{"_1935":1945,"_1946":12783,"_1948":12784,"_1937":12785},"Limitations of a business savings account",[],{},{"_1935":1941,"_1937":12787,"_49":12788},{},[12789],{"_1935":1945,"_1946":12790,"_1948":12791,"_1937":12792},"Business savings accounts also have a few drawbacks.",[],{},{"_1935":2820,"_1937":12794,"_49":12795},{},[12796,12811,12826,12852,12867],{"_1935":2824,"_1937":12797,"_49":12798},{},[12799],{"_1935":1941,"_1937":12800,"_49":12801},{},[12802,12807],{"_1935":1945,"_1946":12803,"_1948":12804,"_1937":12806},"Variable interest rates: ",[12805],{"_13":2834},{},{"_1935":1945,"_1946":12808,"_1948":12809,"_1937":12810},"Some business savings accounts – usually easy-access ones - pay a variable rate of interest. This means it can go up or down at any time and can impact your overall earnings.",[],{},{"_1935":2824,"_1937":12812,"_49":12813},{},[12814],{"_1935":1941,"_1937":12815,"_49":12816},{},[12817,12822],{"_1935":1945,"_1946":12818,"_1948":12819,"_1937":12821},"Withdrawal penalties: ",[12820],{"_13":2834},{},{"_1935":1945,"_1946":12823,"_1948":12824,"_1937":12825},"Fixed-term and notice business savings accounts can charge penalties if you withdraw funds during the account term or without giving sufficient notice. ",[],{},{"_1935":2824,"_1937":12827,"_49":12828},{},[12829],{"_1935":1941,"_1937":12830,"_49":12831},{},[12832,12837,12841,12848],{"_1935":1945,"_1946":12833,"_1948":12834,"_1937":12836},"Bonus rates: ",[12835],{"_13":2834},{},{"_1935":1945,"_1946":12838,"_1948":12839,"_1937":12840},"Some ",[],{},{"_1935":2284,"_1937":12842,"_49":12843},{"_2275":412},[12844],{"_1935":1945,"_1946":12845,"_1948":12846,"_1937":12847},"easy-access accounts",[],{},{"_1935":1945,"_1946":12849,"_1948":12850,"_1937":12851}," pay a bonus rate that temporarily boosts the overall interest rate. Typically, the bonus expires after 12 months and the rate drops, meaning you need to move your money to another account if you want the best rate.",[],{},{"_1935":2824,"_1937":12853,"_49":12854},{},[12855],{"_1935":1941,"_1937":12856,"_49":12857},{},[12858,12863],{"_1935":1945,"_1946":12859,"_1948":12860,"_1937":12862},"Minimum deposits: ",[12861],{"_13":2834},{},{"_1935":1945,"_1946":12864,"_1948":12865,"_1937":12866},"Each provider sets a minimum deposit amount. You need to be sure you can meet this requirement before opening the account. Also, find out if you need to maintain a certain balance. Failure to comply with this requirement could result in the provider closing the account or cutting the interest rate. ",[],{},{"_1935":2824,"_1937":12868,"_49":12869},{},[12870],{"_1935":1941,"_1937":12871,"_49":12872},{},[12873,12878],{"_1935":1945,"_1946":12874,"_1948":12875,"_1937":12877},"Tax: ",[12876],{"_13":2834},{},{"_1935":1945,"_1946":12879,"_1948":12880,"_1937":12881},"Business savings accounts pay interest gross (without tax deducted), so you need to pay tax on the interest earned. The amount you need to pay depends on whether you’re a sole trader or a limited company and how much you've earned across the year.",[],{},{"_1935":2350,"_1937":12883,"_49":12884},{},[12885],{"_1935":1945,"_1946":12886,"_1948":12887,"_1937":12888},"Should you have a business savings account or can you use a personal savings account? ",[],{},{"_1935":1941,"_1937":12890,"_49":12891},{},[12892],{"_1935":1945,"_1946":12893,"_1948":12894,"_1937":12895},"You don’t have to open a business savings account, but it can be beneficial to do so. ",[],{},{"_1935":1941,"_1937":12897,"_49":12898},{},[12899,12903,12911],{"_1935":1945,"_1946":12900,"_1948":12901,"_1937":12902},"It’s generally a good idea to have a ",[],{},{"_1935":2284,"_1937":12904,"_49":12906},{"_2275":12905},"/business/business-savings-accounts/how-much-should-you-have-in-your-account",[12907],{"_1935":1945,"_1946":12908,"_1948":12909,"_1937":12910},"cash reserve to support your business for at least three months",[],{},{"_1935":1945,"_1946":12912,"_1948":12913,"_1937":12914}," if your sales suddenly drop or you’re unable to trade for some reason. ",[],{},{"_1935":1941,"_1937":12916,"_49":12917},{},[12918],{"_1935":1945,"_1946":12919,"_1948":12920,"_1937":12921},"If you run a limited company, you can’t use a personal savings account for your company savings as your business is classed as a separate legal entity. This means if you want to open a savings account for your company, it must be a business savings account. ",[],{},{"_1935":1941,"_1937":12923,"_49":12924},{},[12925,12929,12937,12941,12949],{"_1935":1945,"_1946":12926,"_1948":12927,"_1937":12928},"If you operate as a sole trader, you could use a personal savings account instead of a business one. But a separate business savings account makes it easier to ",[],{},{"_1935":2284,"_1937":12930,"_49":12932},{"_2275":12931},"/business/guides/how-to-manage-business-finances",[12933],{"_1935":1945,"_1946":12934,"_1948":12935,"_1937":12936},"manage your finances",[],{},{"_1935":1945,"_1946":12938,"_1948":12939,"_1937":12940},", calculate tax bills and ",[],{},{"_1935":2284,"_1937":12942,"_49":12944},{"_2275":12943},"/business/guides/how-to-track-business-expenses",[12945],{"_1935":1945,"_1946":12946,"_1948":12947,"_1937":12948},"keep track of your expenses",[],{},{"_1935":1945,"_1946":12950,"_1948":12951,"_1937":12952},". ",[],{},{"_1935":2350,"_1937":12954,"_49":12955},{},[12956],{"_1935":1945,"_1946":12957,"_1948":12958,"_1937":12959},"How to choose the best business savings account",[],{},{"_1935":1941,"_1937":12961,"_49":12962},{},[12963],{"_1935":1945,"_1946":12964,"_1948":12965,"_1937":12966},"When comparing business savings accounts, think about the following points:",[],{},{"_1935":2820,"_1937":12968,"_49":12969},{},[12970,12993,13008,13023,13037],{"_1935":2824,"_1937":12971,"_49":12972},{},[12973],{"_1935":1941,"_1937":12974,"_49":12975},{},[12976,12981,12985,12989],{"_1935":1945,"_1946":12977,"_1948":12978,"_1937":12980},"Interest rates: ",[12979],{"_13":2834},{},{"_1935":1945,"_1946":12982,"_1948":12983,"_1937":12984},"You ideally want to look for the account with the highest interest rate, but",[],{},{"_1935":1945,"_1946":2891,"_1948":12986,"_1937":12988},[12987],{"_13":2834},{},{"_1935":1945,"_1946":12990,"_1948":12991,"_1937":12992},"don’t forget to also check whether the account offers a variable or fixed rate ",[],{},{"_1935":2824,"_1937":12994,"_49":12995},{},[12996],{"_1935":1941,"_1937":12997,"_49":12998},{},[12999,13004],{"_1935":1945,"_1946":13000,"_1948":13001,"_1937":13003},"Accessibility: ",[13002],{"_13":2834},{},{"_1935":1945,"_1946":13005,"_1948":13006,"_1937":13007},"You need to consider whether you need regular access to your savings or whether you can afford to tie up a lump sum for a set term ",[],{},{"_1935":2824,"_1937":13009,"_49":13010},{},[13011],{"_1935":1941,"_1937":13012,"_49":13013},{},[13014,13019],{"_1935":1945,"_1946":13015,"_1948":13016,"_1937":13018},"Account management: ",[13017],{"_13":2834},{},{"_1935":1945,"_1946":13020,"_1948":13021,"_1937":13022},"Think about whether you’re happy managing your savings account online or whether you’d prefer to have telephone banking or a local bank branch",[],{},{"_1935":2824,"_1937":13024,"_49":13025},{},[13026],{"_1935":1941,"_1937":13027,"_49":13028},{},[13029,13033],{"_1935":1945,"_1946":12859,"_1948":13030,"_1937":13032},[13031],{"_13":2834},{},{"_1935":1945,"_1946":13034,"_1948":13035,"_1937":13036},"Check how much you need to deposit to open the account and whether it is affordable. Also, find out whether you need to keep a minimum balance in the account",[],{},{"_1935":2824,"_1937":13038,"_49":13039},{},[13040],{"_1935":1941,"_1937":13041,"_49":13042},{},[13043,13048],{"_1935":1945,"_1946":13044,"_1948":13045,"_1937":13047},"Eligibility criteria: ",[13046],{"_13":2834},{},{"_1935":1945,"_1946":13049,"_1948":13050,"_1937":13051},"Finally, make sure you qualify for the account – otherwise there’s no point applying for it. Some accounts require your business to be a certain size or have a certain annual turnover",[],{},{"_1935":2350,"_1937":13053,"_49":13054},{},[13055],{"_1935":1945,"_1946":13056,"_1948":13057,"_1937":13058},"In conclusion",[],{},{"_1935":1941,"_1937":13060,"_49":13061},{},[13062],{"_1935":1945,"_1946":13063,"_1948":13064,"_1937":13065},"A business savings account can be a useful way to grow spare cash and set money aside for future costs, but it won’t suit every business. If you need regular access to your funds, the limits on some accounts could be a drawback. ",[],{},{"_1935":1941,"_1937":13067,"_49":13068},{},[13069],{"_1935":1945,"_1946":13070,"_1948":13071,"_1937":13072},"Weigh up how often you need access to the money, how long you can leave it untouched and whether the interest on offer makes it worthwhile before deciding if it’s the right fit for you. 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Accurate as of 14/01/26.",[],{},{"_1793":13226,"_1799":13229,"_1833":13239},{"_1795":13227,"_1797":13228},[],[],{"_1801":13230,"_13":1809,"_1807":3769,"_1811":13232,"_1816":2257,"_1818":13234,"_1820":13235,"_1822":13235,"_1823":13236,"_1825":1969,"_1779":13237,"_1831":1832},{"_1799":13231},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":13233},{"_13":1804,"_1805":1814,"_1807":2380},"2025-11-27T16:24:34.448Z","2026-03-17T18:20:52.187Z","2025-11-27T16:40:35.511Z",{"_1799":13238},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":13240,"_1836":1837,"_1978":4810,"_2391":13241,"_2466":1786},"Platinum - Business Credit Cards Result Case Study 2",{"_4812":13242,"_3528":13243,"_4269":13244,"_4815":13245,"_4817":13246},"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":13248,"_1799":13251,"_1833":13261},{"_1795":13249,"_1797":13250},[],[],{"_1801":13252,"_13":1809,"_1807":3709,"_1811":13254,"_1816":3865,"_1818":13256,"_1820":13257,"_1822":13257,"_1823":13258,"_1825":4697,"_1779":13259,"_1831":1832},{"_1799":13253},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":13255},{"_13":1804,"_1805":1814,"_1807":2306},"2023-06-16T10:32:39.058Z","2026-05-04T08:19:20.629Z","2023-06-16T10:34:30.152Z",{"_1799":13260},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":13262,"_1836":1837,"_2315":2745,"_2317":304,"_2318":13263},"Platinum - Business Credit Cards - Hub",{"_1799":13264},{"_13":1804,"_1805":1809,"_1807":8746},{"_1793":13266,"_1799":13269,"_1833":13279},{"_1795":13267,"_1797":13268},[],[],{"_1801":13270,"_13":1809,"_1807":5740,"_1811":13272,"_1816":2074,"_1818":13274,"_1820":13275,"_1822":13275,"_1823":13276,"_1825":2207,"_1779":13277,"_1831":1832},{"_1799":13271},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":13273},{"_13":1804,"_1805":1814,"_1807":7594},"2020-05-05T13:34:46.612Z","2023-04-20T12:22:30.757Z","2020-05-05T13:36:34.763Z",{"_1799":13278},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":4836,"_49":13280,"_1836":1837},{"_1937":13281,"_49":13282,"_1935":1936},{},[13283,13288],{"_1937":13284,"_49":13287,"_1935":1990},{"_1985":13285},{"_1799":13286},{"_1807":10421,"_13":1804,"_1805":1809},[],{"_1937":13289,"_49":13290,"_1935":1941},{},[13291],{"_1937":13292,"_1948":13293,"_1946":9,"_1935":1945},{},[],{"_1793":13295,"_1799":13298,"_1833":13308},{"_1795":13296,"_1797":13297},[],[],{"_1801":13299,"_13":1809,"_1807":5995,"_1811":13301,"_1816":2253,"_1818":13303,"_1820":13304,"_1822":13304,"_1823":13305,"_1825":1817,"_1779":13306,"_1831":1832},{"_1799":13300},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":13302},{"_13":1804,"_1805":1814,"_1807":2183},"2026-04-24T09:28:56.151Z","2026-05-16T13:18:03.905Z","2026-04-24T16:59:22.214Z",{"_1799":13307},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":2189,"_49":13309,"_1836":1837},{"_1799":13310},{"_13":1804,"_1805":1809,"_1807":13311},"33BhDaZdEJjKRwWBD9LAVh",{"_1793":13313,"_1799":13316,"_1833":13326},{"_1795":13314,"_1797":13315},[],[],{"_1801":13317,"_13":1809,"_1807":9101,"_1811":13319,"_1816":2123,"_1818":13321,"_1820":13322,"_1822":13322,"_1823":13323,"_1825":3316,"_1779":13324,"_1831":1832},{"_1799":13318},{"_13":1804,"_1805":1806,"_1807":1808},{"_1799":13320},{"_13":1804,"_1805":1814,"_1807":1923},"2025-02-11T15:26:02.772Z","2026-04-29T09:42:14.841Z","2025-02-11T18:12:00.592Z",{"_1799":13325},{"_1807":1829,"_13":1804,"_1805":1830},{"_47":13327,"_1932":13328,"_49":13329,"_1836":1837},"BCA- How long does it take to open a business bank account?","How long does it take to open a business account?",{"_1937":13330,"_49":13331,"_1935":1936},{},[13332,13339,13346],{"_1937":13333,"_49":13334,"_1935":1941},{},[13335],{"_1937":13336,"_1948":13337,"_1946":13338,"_1935":1945},{},[],"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.",{"_1937":13340,"_49":13341,"_1935":1941},{},[13342],{"_1937":13343,"_1948":13344,"_1946":13345,"_1935":1945},{},[],"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.",{"_1937":13347,"_49":13348,"_1935":1941},{},[13349],{"_1937":13350,"_1948":13351,"_1946":13352,"_1935":1945},{},[],"Once your application is submitted, the bank will conduct background checks and may contact you for additional information. 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",{"_1937":13411,"_49":13412,"_1935":1941},{},[13413,13417,13425],{"_1937":13414,"_1948":13415,"_1946":13416,"_1935":1945},{},[],"To assess your eligibility, the provider may conduct a personal credit check (",{"_1937":13418,"_49":13420,"_1935":2284},{"_2275":13419},"https://www.money.co.uk/business/business-credit-cards/can-you-get-a-business-credit-card-as-a-sole-trader",[13421],{"_1937":13422,"_1948":13423,"_1946":13424,"_1935":1945},{},[],"especially if you're a sole trader",{"_1937":13426,"_1948":13427,"_1946":13428,"_1935":1945},{},[]," 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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apply.","card_fee_monthly_pounds_numeric","card_fee_monthly_percent_numeric","card_fee_annual_ongoing_pounds_numeric","card_fee_annual_ongoing_percent_numeric",{"_1837":14324,"_14114":14349,"_14249":14355},{"_6148":14325,"_14330":14331,"_14215":14335,"_14339":14340,"_14344":14345},{"_1807":14326,"_14218":-5,"_14219":14327,"_14221":1786,"_14222":14328,"_14224":14329},"5b39c5bb-04ac-4abc-9c0f-0bc47f731b03","1000042959","992509","https://www.money.co.uk/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-business%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=default&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000042959&ulvid=992509&link_id=5b39c5bb-04ac-4abc-9c0f-0bc47f731b03&sig=401106a910389a9e8c6bc6cc5b08825133a343325f12418c43bf483f74729684","tenancy",{"_1807":14332,"_14218":-5,"_14219":14327,"_14221":59,"_14222":14333,"_14224":14334},"9b4e6cc1-130f-4d16-90ff-67dc134f5d46","992510","https://www.money.co.uk/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-hero%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=tenancy&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000042959&ulvid=992510&link_id=9b4e6cc1-130f-4d16-90ff-67dc134f5d46&sig=2a21446d73b3a0720e6c60d8681846908a6c9996d5b2b0325215319423c5bc43",{"_1807":14336,"_14218":-5,"_14219":14327,"_14221":59,"_14222":14337,"_14224":14338},"7e7fc75c-0225-4c30-b98e-d9f7f8cb7268","992512","https://www.money.co.uk/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fcapital-on-tap%3Fproduct_id%3D61b752a0-ac8b-491d-b5ef-9612c43a4d09%26index%3Dbusiness-credit-cards%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=application&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000042959&ulvid=992512&link_id=7e7fc75c-0225-4c30-b98e-d9f7f8cb7268&sig=072fa9c70d7bca6a627030f85bb83c79916f4c0bb5da9d7cdc70b6e9223b067f","post-application",{"_1807":14341,"_14218":-5,"_14219":14327,"_14221":59,"_14222":14342,"_14224":14343},"bd7295f0-7356-4fac-a7f1-3e00e9a6e149","992511","https://www.money.co.uk/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-business%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=post-application&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000042959&ulvid=992511&link_id=bd7295f0-7356-4fac-a7f1-3e00e9a6e149&sig=401106a910389a9e8c6bc6cc5b08825133a343325f12418c43bf483f74729684","application_completed",{"_1807":14346,"_14218":-5,"_14219":14327,"_14221":59,"_14222":14347,"_14224":14348},"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",{"_6148":14350},{"_1807":14351,"_14218":-5,"_14219":14352,"_14221":59,"_14222":14353,"_14224":14354},"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",{"_14215":14356},{"_1807":14357,"_14218":-5,"_14219":14358,"_14221":59,"_14222":14359,"_14224":14360},"dbe553e6-d274-4a19-8e24-cb2ace97b2e8","1000036951","974313","https://www.confused.com/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/confused/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fcapital-on-tap%3Fproduct_id%3D61b752a0-ac8b-491d-b5ef-9612c43a4d09%26utm_source%3Dconfused%26utm_medium%3Demail%26utm_referrer%3Dconfused%26partnertrackingid%3D%7B%7Bclick_ref%7D%7D%26utm_content%3D%7B%7Butm_content%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=application&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000036951&ulvid=974313&link_id=dbe553e6-d274-4a19-8e24-cb2ace97b2e8&sig=571608d69181b9c245b031da9fa3673c82dc7867f29a540b6a2c6f61507ab96f",{"_1837":2553,"_14114":4718,"_14249":2553},"61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef","2026-05-22T01:50:54.900Z",[2553],{"_14093":14241,"_14095":14366,"_14096":-5,"_14097":14367,"_2562":14422},"38888122-37e0-4c56-b9c2-e92846587c01",{"_1807":14366,"_14099":14100,"_14101":2569,"_7512":2569,"_14102":14368,"_14107":14371,"_14125":14376,"_3486":14395,"_14226":14419,"_2558":-5,"_14228":-5,"_14229":-5,"_14230":59,"_14231":14420,"_14233":14421},{"_14114":14369,"_1837":14370},{"_14105":4868},{"_14105":6975},{"_1807":14372,"_7512":2569,"_12020":14373,"_14117":14375,"_14260":14258,"_14261":59,"_14125":14376,"_14263":14375,"_14133":14134,"_14264":14377,"_14266":14269,"_14268":14378,"_14270":14379,"_14272":14380,"_14139":2569,"_14275":14381,"_14277":14382,"_14279":14280,"_14281":14282,"_14283":14284,"_14195":14383,"_14285":14286,"_14196":14384,"_14288":14385,"_14290":14386,"_14292":14293,"_14296":14387,"_14298":59,"_14299":14388,"_14300":14289,"_14302":14389,"_14304":14390,"_14306":59,"_14153":14383,"_14154":14384,"_14307":14389,"_14308":14390,"_14309":14391,"_14311":14312,"_14313":14392,"_14315":14393,"_14317":14394,"_14301":-5,"_14319":-5,"_14320":-5,"_14321":-5,"_14322":-5},"0000000000",{"_1807":14254,"_11987":14374,"_47":14258},{"_1837":14256,"_14114":14257},"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",[14381,14382,14280,14282],"Uncapped 1% cashback on all card spending included. Get unlimited airport lounge access and a silver metal card. Limits up to £250,000, and free company cards with spend controls. No ATM or FX fees. Available to limited companies and LLPs. T&Cs apply.",{"_1837":14396,"_14114":14414},{"_6148":14397,"_14215":14402,"_14339":14406,"_14344":14410},{"_1807":14398,"_14218":-5,"_14219":14399,"_14221":1786,"_14222":14400,"_14224":14401},"d4c24861-acf4-4e4e-bb0b-b53f1e2df2d4","1000042958","992504","https://www.money.co.uk/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-pro%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=default&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000042958&ulvid=992504&link_id=d4c24861-acf4-4e4e-bb0b-b53f1e2df2d4&sig=406afa03459527a14486d36b88e86af4dc33c481bb13ad71cfceeab472bc624b",{"_1807":14403,"_14218":-5,"_14219":14399,"_14221":59,"_14222":14404,"_14224":14405},"06125648-5026-4a14-a189-5df36291c455","992507","https://www.money.co.uk/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fcapital-on-tap%3Fproduct_id%3D38888122-37e0-4c56-b9c2-e92846587c01%26index%3Dbusiness-credit-cards%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=application&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000042958&ulvid=992507&link_id=06125648-5026-4a14-a189-5df36291c455&sig=41bda8c34b6f8d54e90a86b5247d919b2984faf2cbc411bd101879757218564d",{"_1807":14407,"_14218":-5,"_14219":14399,"_14221":59,"_14222":14408,"_14224":14409},"89a32c5e-c044-42f2-a0ec-07d5aa945995","992505","https://www.money.co.uk/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-pro%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=post-application&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000042958&ulvid=992505&link_id=89a32c5e-c044-42f2-a0ec-07d5aa945995&sig=406afa03459527a14486d36b88e86af4dc33c481bb13ad71cfceeab472bc624b",{"_1807":14411,"_14218":-5,"_14219":14399,"_14221":59,"_14222":14412,"_14224":14413},"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",{"_6148":14415},{"_1807":14416,"_14218":-5,"_14219":14352,"_14221":59,"_14222":14417,"_14224":14418},"72359a78-1d88-487c-9549-774fddd12fef","970774","https://www.uswitch.com/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/uswitch/business-credit-cards?r=https%3A%2F%2Faccount.capitalontap.com%2Fapps%2Fapply%2F%3Fpromocode%3DUswitch%26utm_source%3Duswitch%26utm_medium%3Dsite%26utm_campaign%3DPro%26step%3D1%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=default&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000036083&ulvid=970774&link_id=72359a78-1d88-487c-9549-774fddd12fef&sig=e1bb461ae08bf9d913728ec84831da3c55c37cc2865a8cc5ffe9649ad7a9522c",{"_1837":9158,"_14114":4718},"38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8","2026-05-22T01:50:56.296Z",[9158],{"_14093":14241,"_14095":14424,"_14096":-5,"_14097":14425,"_2562":14467},"14d9d1c1-e024-4c73-9ccc-cf97d70f7923",{"_1807":14424,"_14099":14100,"_14101":2569,"_7512":2569,"_14102":14426,"_14107":14430,"_14125":14439,"_3486":14453,"_14226":14464,"_2558":-5,"_14228":-5,"_14229":-5,"_14230":59,"_14231":14465,"_14233":14466},{"_14114":14427,"_1837":14428},{"_14105":3316},{"_14105":14429},475,{"_1807":14431,"_7512":2569,"_12020":14432,"_14117":14438,"_14260":14437,"_14261":59,"_14125":14439,"_14263":14438,"_14133":14134,"_14272":14440,"_14139":2569,"_14275":14441,"_14277":14442,"_14279":14280,"_14281":14443,"_14195":14444,"_14285":14286,"_14196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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",[14441,14442,14280,14443],{"_1837":14454},{"_6148":14455,"_14330":14460},{"_1807":14456,"_14218":-5,"_14219":14457,"_14221":59,"_14222":14458,"_14224":14459},"b5c72503-c142-4521-8d3e-8bd572c4d22e","1000043703","994390","https://www.money.co.uk/clk/14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777/money/business-credit-cards?r=https%3A%2F%2Ffundingcircle.sjv.io%2Fc%2F23518%2F2698293%2F27836%3Fprodsku%3DCashback&category=business-credit-cards&supplier=Funding+Circle&product_name=Funding+Circle+Business+Cashback+Credit+Card&pid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923&ln=default&upvid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777&ucvid=1000043703&ulvid=994390&link_id=b5c72503-c142-4521-8d3e-8bd572c4d22e&sig=66a19b6821717267235ad107756313c798243b31f395808c09dc635eb0daa998",{"_1807":14461,"_14218":-5,"_14219":14457,"_14221":1786,"_14222":14462,"_14224":14463},"1bc7aeba-ea71-4f6b-bcb7-8b7938076751","994391","https://www.money.co.uk/clk/14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777/money/business-credit-cards?r=https%3A%2F%2Fwww.fundingcircle.com%2Fuk%2Fpayments%2Fcashback%2F%3Futm_source%3DMoneyCoUK%26utm_medium%3DAffiliate%26utm_campaign%3DMoney_Hero_CBC%26thirdpartyid%3D%7Bclick_ref%7D&category=business-credit-cards&supplier=Funding+Circle&product_name=Funding+Circle+Business+Cashback+Credit+Card&pid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923&ln=tenancy&upvid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777&ucvid=1000043703&ulvid=994391&link_id=1bc7aeba-ea71-4f6b-bcb7-8b7938076751&sig=43a47daa877980a9daaae20939576b17b4856cabc452362ef8904443727d5012",{"_1837":3320},"14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777","2026-05-22T01:50:50.800Z",[3320],{"_14093":14241,"_14095":14469,"_14096":-5,"_14097":14470,"_2562":14539},"bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97",{"_1807":14469,"_14099":14100,"_14101":2569,"_7512":2569,"_14102":14471,"_14107":14475,"_14125":14484,"_3486":14516,"_14226":14535,"_2558":-5,"_14228":-5,"_14229":-5,"_14230":59,"_14231":14537,"_14233":14538},{"_14114":14472,"_1837":14473},{"_14105":4718},{"_14105":14474},352,{"_1807":14476,"_7512":2569,"_12020":14477,"_14117":14483,"_14261":59,"_14125":14484,"_14485":14486,"_14263":14483,"_14133":14134,"_14272":14487,"_14139":2569,"_14275":14488,"_14277":14489,"_14279":14490,"_14281":14491,"_14283":14492,"_14195":14493,"_14196":14494,"_14495":59,"_14496":14497,"_14498":1786,"_14499":59,"_14500":59,"_14290":14501,"_14294":14502,"_14296":9,"_14298":59,"_14299":14503,"_14504":2030,"_14505":14506,"_14507":2030,"_14302":14508,"_14304":14508,"_14153":14493,"_14154":14494,"_14307":14508,"_14309":14509,"_14311":14510,"_14313":14510,"_14511":14512,"_14513":14514,"_14315":14515,"_14317":14508,"_14260":-5,"_14285":-5,"_14288":-5,"_14300":-5,"_14301":-5,"_14319":-5,"_14320":-5,"_14308":-5,"_14321":-5,"_14322":-5,"_14264":-5,"_14266":-5,"_14268":-5,"_14270":-5,"_14292":-5},"88736572",{"_1807":14478,"_11987":14479,"_47":14482},"7461c261-c040-4df0-931e-65905ecbf950",{"_1837":14480,"_14114":14481},"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",[14488,14489,14490,14491],{"_1837":14517},{"_6148":14518,"_14215":14523,"_14339":14527,"_14344":14531},{"_1807":14519,"_14218":-5,"_14219":14520,"_14221":59,"_14222":14521,"_14224":14522},"b816e76f-3854-4262-bb1b-8d283922b7e6","1000045489","999063","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.financeads.net%2Ftc.php%3Ft%3D62682C4744115220T%26rvu_click_ref%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=default&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999063&link_id=b816e76f-3854-4262-bb1b-8d283922b7e6&sig=b853813441fbb5162b3307b0bc29f909842bde856ab038f9125e1a8f5aeea672",{"_1807":14524,"_14218":-5,"_14219":14520,"_14221":59,"_14222":14525,"_14224":14526},"598dd199-3a8a-46d2-b487-5fe9ebfcb3e0","999061","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fmoss%3Fclickref%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=application&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999061&link_id=598dd199-3a8a-46d2-b487-5fe9ebfcb3e0&sig=5cc344a358b1aca48f3b7bc4d407ca1e2cb0c97238f5d4bc44c7f09e65e2f7bd",{"_1807":14528,"_14218":-5,"_14219":14520,"_14221":59,"_14222":14529,"_14224":14530},"a2ed1ecc-d5d6-40d4-907c-4894f000a9a5","999062","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=post-application&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999062&link_id=a2ed1ecc-d5d6-40d4-907c-4894f000a9a5&sig=bcf8fd3c57760f853298da4d045ffc136a6f462feba73d5e6ee66eefcbe45cd9",{"_1807":14532,"_14218":-5,"_14219":14520,"_14221":59,"_14222":14533,"_14224":14534},"97b462d9-46e3-4651-b1d3-67b53c035916","999064","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=application_completed&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999064&link_id=97b462d9-46e3-4651-b1d3-67b53c035916&sig=bcf8fd3c57760f853298da4d045ffc136a6f462feba73d5e6ee66eefcbe45cd9",{"_1837":14536},65,"bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76","2026-05-22T01:50:53.449Z",[14536],{"_14093":14241,"_14095":14541,"_14096":-5,"_14097":14542,"_2562":14597},"90bdb5bb-a4eb-4224-830b-1bc488e50b02",{"_1807":14541,"_14099":14100,"_14101":2569,"_7512":2569,"_14102":14543,"_14107":14546,"_14125":14556,"_3486":14577,"_14226":14593,"_2558":-5,"_14228":-5,"_14229":-5,"_14230":59,"_14231":14595,"_14233":14596},{"_1837":14544},{"_14105":14545},92,{"_1807":14547,"_7512":2569,"_12020":14548,"_14117":14554,"_14260":14555,"_14261":59,"_14125":14556,"_14263":14557,"_14133":14134,"_14264":14558,"_14266":14559,"_14268":14560,"_14270":14561,"_14272":14487,"_14139":2569,"_14275":14560,"_14277":14562,"_14279":14563,"_14281":14564,"_14283":14565,"_14195":14566,"_14285":14286,"_14196":14567,"_14288":14568,"_14290":14569,"_14294":9,"_14296":9,"_14299":14570,"_14300":14571,"_14302":14572,"_14153":14566,"_14154":14567,"_14307":14572,"_14309":14573,"_14311":14574,"_14313":14575,"_14315":14576,"_14317":14572,"_14304":-5,"_14301":-5,"_14319":-5,"_14320":-5,"_14308":-5,"_14321":-5,"_14322":-5,"_14292":-5},"25001",{"_1807":14549,"_11987":14550,"_47":14553},"7721c3e4-07de-43cf-84c3-e23e2c8cbb59",{"_1837":14551,"_14114":14552},"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",[14560,14562,14563,14564],{"_1837":14578},{"_14215":14579,"_14584":14585,"_14344":14589},{"_1807":14580,"_14218":-5,"_14219":14581,"_14221":59,"_14222":14582,"_14224":14583},"f0352504-f6e9-4898-b088-1d5a2ba6965c","1000045719","999994","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Famex-ba&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=application&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999994&link_id=f0352504-f6e9-4898-b088-1d5a2ba6965c&sig=9cf990f9109de773dc804eaf55e5180815492cfc3dda866ce3ecc2934c6fa658","eligibility_checked",{"_1807":14586,"_14218":-5,"_14219":14581,"_14221":59,"_14222":14587,"_14224":14588},"e160db21-97e4-4332-a290-d6e22e91c6c2","999995","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=eligibility_checked&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999995&link_id=e160db21-97e4-4332-a290-d6e22e91c6c2&sig=bea5d21653297801c8ee88a75b1f081a755288d273b9cc1da3e28399de851974",{"_1807":14590,"_14218":-5,"_14219":14581,"_14221":59,"_14222":14591,"_14224":14592},"b0ebb42e-5ede-48b3-af0f-9ad6a6fe545f","999993","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Dg6PfYBeCXNo%26offerid%3D1034633.5%26type%3D3%26subid%3D0%26clickref%3D%7B%7BClick_ref%7D%7D&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=application_completed&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999993&link_id=b0ebb42e-5ede-48b3-af0f-9ad6a6fe545f&sig=f24c441eb8411ac448d3e03e30f1f99eb04893f6263a11b879ac805245ddc86f",{"_1837":14594},67,"90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942","2026-05-22T01:50:55.201Z",[14594],{"_14093":14241,"_14095":14599,"_14096":-5,"_14097":14600,"_2562":14652},"5486c391-d6c4-489d-a5a8-b6b4f8e33692",{"_1807":14599,"_14099":14100,"_14101":2569,"_7512":2569,"_14102":14601,"_14107":14604,"_14125":14611,"_3486":14633,"_14226":14648,"_2558":-5,"_14228":-5,"_14229":-5,"_14230":59,"_14231":14650,"_14233":14651},{"_1837":14602},{"_14105":14603},80,{"_1807":16,"_7512":2569,"_12020":14605,"_14117":14610,"_14261":59,"_14125":14611,"_14263":14612,"_14133":14134,"_14264":14613,"_14266":14614,"_14268":14615,"_14270":14616,"_14272":14487,"_14139":2569,"_14275":14617,"_14277":14618,"_14279":14619,"_14281":14620,"_14283":14621,"_14195":14622,"_14285":14286,"_14196":14623,"_14290":2891,"_14294":14624,"_14296":14625,"_14299":14626,"_14300":14627,"_14302":14628,"_14304":9,"_14153":14622,"_14154":14623,"_14307":14628,"_14309":14629,"_14311":14630,"_14313":14510,"_14315":14631,"_14317":14632,"_14260":-5,"_14288":-5,"_14301":-5,"_14319":-5,"_14320":-5,"_14308":-5,"_14321":-5,"_14322":-5,"_14292":-5},{"_1807":14606,"_11987":14607,"_47":14555},"a42f5bf6-8ae7-48c4-a0f7-350d8bd01729",{"_1837":14608,"_14114":14609},"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",[14617,14618,14619,14620],"*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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