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main cta",{"_2509":4262,"_2549":2550},{"_2507":4263},{"_2512":4264},{"_2523":4265,"_2533":2534,"_2535":4270},[4266,4268],{"_2526":4267},{"_2528":2529},{"_2526":4269},{"_2532":2529},[4271,4273],{"_2526":4272},{"_2539":2529},{"_2526":4274},{"_2542":2529},"34TmxzpgKwEoWCipuq3lvP",{"_1793":4277,"_1798":4282,"_1837":4293},{"_1795":4278,"_1805":4281},[4279],{"_1798":4280},{"_13":1800,"_1801":1802,"_1803":1804},[],{"_1808":4283,"_13":1813,"_1803":4275,"_1815":4285,"_1820":2261,"_1822":4288,"_1824":4289,"_1826":4289,"_1827":4290,"_1829":3528,"_1779":4291,"_1835":1836},{"_1798":4284},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":4286},{"_13":1800,"_1801":1818,"_1803":4287},"richTextModule","2024-12-17T12:15:23.046Z","2025-10-28T15:10:58.924Z","2024-12-20T10:33:37.779Z",{"_1798":4292},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":4294,"_49":4295,"_5090":59,"_5091":5092,"_1990":5093,"_1840":1841},"Business - Guides - Business credit scores explained - RTM (Business guide template)",{"_1947":1948,"_1949":4296,"_49":4297},{},[4298,4305,4312,4377,4383,4390,4397,4404,4411,4418,4425,4431,4438,4445,4476,4494,4501,4508,4515,4546,4553,4560,4567,4593,4600,4607,4655,4662,4669,4676,4683,4690,4697,4704,4711,4718,4725,4732,4739,4759,4766,4797,4804,4811,4818,4837,4844,4876,4883,4890,4897,4904,4911,4918,4925,4944,4951,4958,4965,4972,4979,4998,5005,5012,5019,5038,5045,5052,5072,5078,5084],{"_1947":1953,"_1949":4299,"_49":4300},{},[4301],{"_1947":1957,"_1958":4302,"_1960":4303,"_1949":4304},"As a business, it’s essential to understand how your business credit score works and how it affects your chances of securing finance and negotiating better terms with your suppliers. ",[],{},{"_1947":2332,"_1949":4306,"_49":4307},{},[4308],{"_1947":1957,"_1958":4309,"_1960":4310,"_1949":4311},"Key takeaways",[],{},{"_1947":2801,"_1949":4313,"_49":4314},{},[4315,4337,4347,4357,4367],{"_1947":2805,"_1949":4316,"_49":4317},{},[4318],{"_1947":1953,"_1949":4319,"_49":4320},{},[4321,4325,4333],{"_1947":1957,"_1958":4322,"_1960":4323,"_1949":4324},"Your ",[],{},{"_1947":2292,"_1949":4326,"_49":4328},{"_2283":4327},"https://www.money.co.uk/business/credit-reports",[4329],{"_1947":1957,"_1958":4330,"_1960":4331,"_1949":4332},"business credit score",[],{},{"_1947":1957,"_1958":4334,"_1960":4335,"_1949":4336}," informs lenders and investors about your company’s creditworthiness",[],{},{"_1947":2805,"_1949":4338,"_49":4339},{},[4340],{"_1947":1953,"_1949":4341,"_49":4342},{},[4343],{"_1947":1957,"_1958":4344,"_1960":4345,"_1949":4346},"The main business credit reference agencies are Credit Passport, Experian, Equifax, Dun & Bradstreet and Creditsafe",[],{},{"_1947":2805,"_1949":4348,"_49":4349},{},[4350],{"_1947":1953,"_1949":4351,"_49":4352},{},[4353],{"_1947":1957,"_1958":4354,"_1960":4355,"_1949":4356},"Business credit scores are usually rated from 0 to 100 and the higher it is, the better",[],{},{"_1947":2805,"_1949":4358,"_49":4359},{},[4360],{"_1947":1953,"_1949":4361,"_49":4362},{},[4363],{"_1947":1957,"_1958":4364,"_1960":4365,"_1949":4366},"There’s a range of factors that can influence your credit score and plenty of steps you can take to improve it",[],{},{"_1947":2805,"_1949":4368,"_49":4369},{},[4370],{"_1947":1953,"_1949":4371,"_49":4372},{},[4373],{"_1947":1957,"_1958":4374,"_1960":4375,"_1949":4376},"Regularly checking your business credit report helps you track your credit score and spot mistakes on your report.",[],{},{"_1947":2002,"_1949":4378,"_49":4382},{"_1997":4379},{"_1798":4380},{"_1803":4381,"_13":1800,"_1801":1813},"7rGbJHbBTura1hZP16M8Vk",[],{"_1947":2332,"_1949":4384,"_49":4385},{},[4386],{"_1947":1957,"_1958":4387,"_1960":4388,"_1949":4389},"What is a business credit score?",[],{},{"_1947":1953,"_1949":4391,"_49":4392},{},[4393],{"_1947":1957,"_1958":4394,"_1960":4395,"_1949":4396},"A business credit score is similar to a personal credit score. However, rather than looking at your personal financial transactions, it focuses on your business transactions and informs lenders and potential investors of your company’s creditworthiness. ",[],{},{"_1947":1953,"_1949":4398,"_49":4399},{},[4400],{"_1947":1957,"_1958":4401,"_1960":4402,"_1949":4403},"Lenders and investors use this information to determine whether they are willing to let you borrow money or if they should invest in your business.",[],{},{"_1947":1953,"_1949":4405,"_49":4406},{},[4407],{"_1947":1957,"_1958":4408,"_1960":4409,"_1949":4410},"As with personal credit scores, credit reference agencies (CRA) calculate your business credit score. In the business world, the main UK CRAs are Credit Passport, Experian, Equifax, Dun & Bradstreet and Creditsafe. ",[],{},{"_1947":1953,"_1949":4412,"_49":4413},{},[4414],{"_1947":1957,"_1958":4415,"_1960":4416,"_1949":4417},"These CRAs compile your credit report and score by looking at how your company has managed its finances in the past, including whether it’s repaid debts and filed its company accounts on time.",[],{},{"_1947":1953,"_1949":4419,"_49":4420},{},[4421],{"_1947":1957,"_1958":4422,"_1960":4423,"_1949":4424},"Your business credit score can vary depending on the CRA you use, so you won’t have one single credit score. ",[],{},{"_1947":2002,"_1949":4426,"_49":4430},{"_1997":4427},{"_1798":4428},{"_1803":4429,"_13":1800,"_1801":1813},"6CJTYujtpQihCEV86k1GI9",[],{"_1947":2332,"_1949":4432,"_49":4433},{},[4434],{"_1947":1957,"_1958":4435,"_1960":4436,"_1949":4437},"Do all businesses have their own credit scores?",[],{},{"_1947":1953,"_1949":4439,"_49":4440},{},[4441],{"_1947":1957,"_1958":4442,"_1960":4443,"_1949":4444},"Not all businesses have their own credit scores – whether you have one depends on the type of business you operate.",[],{},{"_1947":1953,"_1949":4446,"_49":4447},{},[4448,4452,4460,4464,4472],{"_1947":1957,"_1958":4449,"_1960":4450,"_1949":4451},"If you’re a ",[],{},{"_1947":2292,"_1949":4453,"_49":4455},{"_2283":4454},"https://www.money.co.uk/business/guides/what-is-a-sole-trader",[4456],{"_1947":1957,"_1958":4457,"_1960":4458,"_1949":4459},"sole trader",[],{},{"_1947":1957,"_1958":4461,"_1960":4462,"_1949":4463}," or in a ",[],{},{"_1947":2292,"_1949":4465,"_49":4467},{"_2283":4466},"https://www.money.co.uk/business/guides/what-is-a-business-partnership",[4468],{"_1947":1957,"_1958":4469,"_1960":4470,"_1949":4471},"partnership",[],{},{"_1947":1957,"_1958":4473,"_1960":4474,"_1949":4475},", your personal and business finances are not separate. This means you won’t have a company credit score; instead, lenders will review your personal credit score when you apply for credit.",[],{},{"_1947":1953,"_1949":4477,"_49":4478},{},[4479,4482,4490],{"_1947":1957,"_1958":9,"_1960":4480,"_1949":4481},[],{},{"_1947":2292,"_1949":4483,"_49":4485},{"_2283":4484},"https://www.money.co.uk/business/guides/what-is-a-limited-company",[4486],{"_1947":1957,"_1958":4487,"_1960":4488,"_1949":4489},"Limited companies",[],{},{"_1947":1957,"_1958":4491,"_1960":4492,"_1949":4493},", on the other hand, are separate legal entities from their owners, so all limited companies have a business credit score. ",[],{},{"_1947":1953,"_1949":4495,"_49":4496},{},[4497],{"_1947":1957,"_1958":4498,"_1960":4499,"_1949":4500},"However, if your business is new, it’s unlikely to have much of a credit history. In such cases, lenders may consider the personal credit histories of the business owners instead.",[],{},{"_1947":2332,"_1949":4502,"_49":4503},{},[4504],{"_1947":1957,"_1958":4505,"_1960":4506,"_1949":4507},"Why your business credit score matters",[],{},{"_1947":1953,"_1949":4509,"_49":4510},{},[4511],{"_1947":1957,"_1958":4512,"_1960":4513,"_1949":4514},"Your business credit score is important because it gives lenders and investors a snapshot of your business’ financial health.",[],{},{"_1947":1953,"_1949":4516,"_49":4517},{},[4518,4521,4529,4533,4542],{"_1947":1957,"_1958":9,"_1960":4519,"_1949":4520},[],{},{"_1947":2292,"_1949":4522,"_49":4524},{"_2283":4523},"https://www.money.co.uk/business/credit-reports/what-is-a-good-business-credit-score",[4525],{"_1947":1957,"_1958":4526,"_1960":4527,"_1949":4528},"Having a good business credit score",[],{},{"_1947":1957,"_1958":4530,"_1960":4531,"_1949":4532}," indicates that you have a history of repaying debts on time. This can help you to secure finance for your company, such as a ",[],{},{"_1947":2292,"_1949":4534,"_49":4536},{"_2283":4535},"https://www.money.co.uk/business/business-loans",[4537],{"_1947":1957,"_1958":4538,"_1960":4539,"_1949":4541},"business loan",[4540],{"_13":2290},{},{"_1947":1957,"_1958":4543,"_1960":4544,"_1949":4545},", but it can also make your business more attractive to investors. ",[],{},{"_1947":1953,"_1949":4547,"_49":4548},{},[4549],{"_1947":1957,"_1958":4550,"_1960":4551,"_1949":4552},"Some suppliers and companies carry out credit checks before agreeing to work with businesses, so a good credit score can be helpful. It can also enable you to negotiate better deals and win more contracts with bigger clients, which can be hugely beneficial for your business.",[],{},{"_1947":1953,"_1949":4554,"_49":4555},{},[4556],{"_1947":1957,"_1958":4557,"_1960":4558,"_1949":4559},"By contrast, a low credit score suggests you’ve had problems repaying debts – perhaps you’ve missed repayments in the past or got into financial difficulties. ",[],{},{"_1947":1953,"_1949":4561,"_49":4562},{},[4563],{"_1947":1957,"_1958":4564,"_1960":4565,"_1949":4566},"Lenders may refuse to lend to you or only let you borrow at a higher interest rate. You could also find it harder to secure funding from investors. ",[],{},{"_1947":4568,"_1949":4569,"_49":4570},"blockquote",{},[4571],{"_1947":1953,"_1949":4572,"_49":4573},{},[4574,4579,4582,4590],{"_1947":1957,"_1958":4575,"_1960":4576,"_1949":4578},"💡 The SME blind spot:",[4577],{"_13":2815},{},{"_1947":1957,"_1958":2872,"_1960":4580,"_1949":4581},[],{},{"_1947":2292,"_1949":4583,"_49":4585},{"_2283":4584},"https://www.money.co.uk/business/insights/the-SME-blind-spot",[4586],{"_1947":1957,"_1958":4587,"_1960":4588,"_1949":4589},"Why it pays to know your business credit score",[],{},{"_1947":1957,"_1958":9,"_1960":4591,"_1949":4592},[],{},{"_1947":2332,"_1949":4594,"_49":4595},{},[4596],{"_1947":1957,"_1958":4597,"_1960":4598,"_1949":4599},"What is a good business credit score?",[],{},{"_1947":1953,"_1949":4601,"_49":4602},{},[4603],{"_1947":1957,"_1958":4604,"_1960":4605,"_1949":4606},"Much like a personal credit score, the higher your credit score, the better. However, while a personal credit score can range from 0 to 1,000, business credit scores usually range from 0 to 100. ",[],{},{"_1947":2801,"_1949":4608,"_49":4609},{},[4610,4625,4640],{"_1947":2805,"_1949":4611,"_49":4612},{},[4613],{"_1947":1953,"_1949":4614,"_49":4615},{},[4616,4621],{"_1947":1957,"_1958":4617,"_1960":4618,"_1949":4620},"A score of 80 or over:",[4619],{"_13":2815},{},{"_1947":1957,"_1958":4622,"_1960":4623,"_1949":4624}," This is generally considered excellent. It can help you to secure borrowing at competitive interest rates, and encourages investment. ",[],{},{"_1947":2805,"_1949":4626,"_49":4627},{},[4628],{"_1947":1953,"_1949":4629,"_49":4630},{},[4631,4636],{"_1947":1957,"_1958":4632,"_1960":4633,"_1949":4635},"A score of between 40 and 80:",[4634],{"_13":2815},{},{"_1947":1957,"_1958":4637,"_1960":4638,"_1949":4639}," If your credit score sits at the lower end of this range, you can expect lenders or suppliers to ask for additional information about the business to give them a better understanding of your creditworthiness. ",[],{},{"_1947":2805,"_1949":4641,"_49":4642},{},[4643],{"_1947":1953,"_1949":4644,"_49":4645},{},[4646,4651],{"_1947":1957,"_1958":4647,"_1960":4648,"_1949":4650},"A score of between 0 and 40:",[4649],{"_13":2815},{},{"_1947":1957,"_1958":4652,"_1960":4653,"_1949":4654}," This is generally considered high risk, and you could find it harder to secure funding, or lenders could charge higher rates. ",[],{},{"_1947":1953,"_1949":4656,"_49":4657},{},[4658],{"_1947":1957,"_1958":4659,"_1960":4660,"_1949":4661},"You might also come across alphabetical scoring. In this case, a score of A++ is excellent, while a score of E is very poor. ",[],{},{"_1947":2332,"_1949":4663,"_49":4664},{},[4665],{"_1947":1957,"_1958":4666,"_1960":4667,"_1949":4668},"Key factors that affect your business credit score",[],{},{"_1947":1953,"_1949":4670,"_49":4671},{},[4672],{"_1947":1957,"_1958":4673,"_1960":4674,"_1949":4675},"There’s a range of factors that can cause your business credit score to increase or decrease. These include:",[],{},{"_1947":2014,"_1949":4677,"_49":4678},{},[4679],{"_1947":1957,"_1958":4680,"_1960":4681,"_1949":4682},"The accounts you file",[],{},{"_1947":1953,"_1949":4684,"_49":4685},{},[4686],{"_1947":1957,"_1958":4687,"_1960":4688,"_1949":4689},"It’s important to file your accounts on time with HMRC, whether you’re a sole trader or limited company. CRAs also look at whether you filed your accounts in full, rather than submitting abridged or micro-entity accounts. Filing in full is better for your credit score.",[],{},{"_1947":2014,"_1949":4691,"_49":4692},{},[4693],{"_1947":1957,"_1958":4694,"_1960":4695,"_1949":4696},"Your payment history",[],{},{"_1947":1953,"_1949":4698,"_49":4699},{},[4700],{"_1947":1957,"_1958":4701,"_1960":4702,"_1949":4703},"Making debt repayments and paying bills on time is important for your credit score. Missing repayments or paying bills late can have a negative impact on your score.",[],{},{"_1947":2014,"_1949":4705,"_49":4706},{},[4707],{"_1947":1957,"_1958":4708,"_1960":4709,"_1949":4710},"Length of credit history",[],{},{"_1947":1953,"_1949":4712,"_49":4713},{},[4714],{"_1947":1957,"_1958":4715,"_1960":4716,"_1949":4717},"A longer credit history generally has a positive effect on your business credit score. A well-established track record of positive financial behaviour works in your favour.",[],{},{"_1947":2014,"_1949":4719,"_49":4720},{},[4721],{"_1947":1957,"_1958":4722,"_1960":4723,"_1949":4724},"Public records",[],{},{"_1947":1953,"_1949":4726,"_49":4727},{},[4728],{"_1947":1957,"_1958":4729,"_1960":4730,"_1949":4731},"Insolvency proceedings or County Court Judgments against your business can have a negative impact on your credit score and make it hard to secure credit. ",[],{},{"_1947":2014,"_1949":4733,"_49":4734},{},[4735],{"_1947":1957,"_1958":4736,"_1960":4737,"_1949":4738},"Credit applications",[],{},{"_1947":1953,"_1949":4740,"_49":4741},{},[4742,4746,4755],{"_1947":1957,"_1958":4743,"_1960":4744,"_1949":4745},"Making several credit applications in a short space of time can lower your credit score. Lenders might believe you’re struggling to manage your finances if you keep applying for credit and this can make it harder for you to secure business loans or ",[],{},{"_1947":2292,"_1949":4747,"_49":4749},{"_2283":4748},"https://www.money.co.uk/business/business-credit-cards",[4750],{"_1947":1957,"_1958":4751,"_1960":4752,"_1949":4754},"business credit cards",[4753],{"_13":2290},{},{"_1947":1957,"_1958":4756,"_1960":4757,"_1949":4758},". ",[],{},{"_1947":2332,"_1949":4760,"_49":4761},{},[4762],{"_1947":1957,"_1958":4763,"_1960":4764,"_1949":4765},"How to check your business credit score",[],{},{"_1947":1953,"_1949":4767,"_49":4768},{},[4769,4773,4782,4786,4794],{"_1947":1957,"_1958":4770,"_1960":4771,"_1949":4772},"You can ",[],{},{"_1947":2292,"_1949":4774,"_49":4776},{"_2283":4775},"https://www.money.co.uk/business/credit-reports/how-to-check-your-business-credit-report",[4777],{"_1947":1957,"_1958":4778,"_1960":4779,"_1949":4781},"check your business credit score",[4780],{"_13":2290},{},{"_1947":1957,"_1958":4783,"_1960":4784,"_1949":4785}," with any of the CRAs mentioned above. Many CRAs offer free trials, but once your trial has expired, you need to pay a subscription fee to access your ",[],{},{"_1947":2292,"_1949":4787,"_49":4788},{"_2283":4327},[4789],{"_1947":1957,"_1958":4790,"_1960":4791,"_1949":4793},"business credit report",[4792],{"_13":2290},{},{"_1947":1957,"_1958":2488,"_1960":4795,"_1949":4796},[],{},{"_1947":1953,"_1949":4798,"_49":4799},{},[4800],{"_1947":1957,"_1958":4801,"_1960":4802,"_1949":4803},"Your credit score can vary depending on the CRA you use, as each agency uses a different algorithm to calculate your score. ",[],{},{"_1947":1953,"_1949":4805,"_49":4806},{},[4807],{"_1947":1957,"_1958":4808,"_1960":4809,"_1949":4810},"If you’re a sole trader, you can check your personal credit score with Equifax, Experian or TransUnion. ",[],{},{"_1947":2332,"_1949":4812,"_49":4813},{},[4814],{"_1947":1957,"_1958":4815,"_1960":4816,"_1949":4817},"How to improve your business credit score",[],{},{"_1947":1953,"_1949":4819,"_49":4820},{},[4821,4825,4833],{"_1947":1957,"_1958":4822,"_1960":4823,"_1949":4824},"If your business credit score is low, there are plenty of ",[],{},{"_1947":2292,"_1949":4826,"_49":4828},{"_2283":4827},"https://www.money.co.uk/business/credit-reports/how-to-improve-your-business-credit-score",[4829],{"_1947":1957,"_1958":4830,"_1960":4831,"_1949":4832},"steps you can take to give it a boost",[],{},{"_1947":1957,"_1958":4834,"_1960":4835,"_1949":4836},". For example:",[],{},{"_1947":2014,"_1949":4838,"_49":4839},{},[4840],{"_1947":1957,"_1958":4841,"_1960":4842,"_1949":4843},"Pay bills on time",[],{},{"_1947":1953,"_1949":4845,"_49":4846},{},[4847,4851,4860,4864,4872],{"_1947":1957,"_1958":4848,"_1960":4849,"_1949":4850},"Staying on top of your financial obligations is a key part of ",[],{},{"_1947":2292,"_1949":4852,"_49":4854},{"_2283":4853},"https://www.money.co.uk/business/credit-reports/how-to-build-business-credit",[4855],{"_1947":1957,"_1958":4856,"_1960":4857,"_1949":4859},"building business credit",[4858],{"_13":2290},{},{"_1947":1957,"_1958":4861,"_1960":4862,"_1949":4863},". Being chased for payments can ultimately lead to insolvency proceedings or CCJs, so it’s crucial to ",[],{},{"_1947":2292,"_1949":4865,"_49":4866},{"_2283":2889},[4867],{"_1947":1957,"_1958":4868,"_1960":4869,"_1949":4871},"manage business debt",[4870],{"_13":2290},{},{"_1947":1957,"_1958":4873,"_1960":4874,"_1949":4875}," sensibly and pay all your bills on time. ",[],{},{"_1947":2014,"_1949":4877,"_49":4878},{},[4879],{"_1947":1957,"_1958":4880,"_1960":4881,"_1949":4882},"File accounts in full",[],{},{"_1947":1953,"_1949":4884,"_49":4885},{},[4886],{"_1947":1957,"_1958":4887,"_1960":4888,"_1949":4889},"Filing full accounts, rather than abridged or micro-entity accounts, can result in a higher credit score for your business as it provides more information about your company’s financial health.",[],{},{"_1947":2014,"_1949":4891,"_49":4892},{},[4893],{"_1947":1957,"_1958":4894,"_1960":4895,"_1949":4896},"Build good customer and supplier relationships",[],{},{"_1947":1953,"_1949":4898,"_49":4899},{},[4900],{"_1947":1957,"_1958":4901,"_1960":4902,"_1949":4903},"Building trust with your customers and suppliers means they are more likely to pay you on time and offer good trade credit arrangements. You can also ask suppliers to pass on information about your payment record to credit reference agencies, which can help your credit score. ",[],{},{"_1947":2014,"_1949":4905,"_49":4906},{},[4907],{"_1947":1957,"_1958":4908,"_1960":4909,"_1949":4910},"Space out credit applications",[],{},{"_1947":1953,"_1949":4912,"_49":4913},{},[4914],{"_1947":1957,"_1958":4915,"_1960":4916,"_1949":4917},"It’s best to spread out credit applications by at least three to six months. Every time you apply for credit, it’s recorded on your credit file and can cause your credit score to temporarily dip. Spacing out applications reduces any impact. ",[],{},{"_1947":1953,"_1949":4919,"_49":4920},{},[4921],{"_1947":1957,"_1958":4922,"_1960":4923,"_1949":4924},"Where possible, use an eligibility checker first before applying for credit. These searches only carry out soft credit checks that won’t appear on your credit file. They can give you a good indication of how likely you are to get a particular loan or credit card.",[],{},{"_1947":1953,"_1949":4926,"_49":4927},{},[4928,4933,4941],{"_1947":1957,"_1958":4929,"_1960":4930,"_1949":4932},"Read more: ",[4931],{"_13":2815},{},{"_1947":2292,"_1949":4934,"_49":4936},{"_2283":4935},"https://www.money.co.uk/business/business-credit-cards/eligibility-checkers-explained",[4937],{"_1947":1957,"_1958":4938,"_1960":4939,"_1949":4940},"What are business credit card eligibility checkers?",[],{},{"_1947":1957,"_1958":9,"_1960":4942,"_1949":4943},[],{},{"_1947":2014,"_1949":4945,"_49":4946},{},[4947],{"_1947":1957,"_1958":4948,"_1960":4949,"_1949":4950},"Update HMRC about changes",[],{},{"_1947":1953,"_1949":4952,"_49":4953},{},[4954],{"_1947":1957,"_1958":4955,"_1960":4956,"_1949":4957},"If any of your business information changes, including moving to a new business address, you should update HMRC and Companies House immediately. It’s also important to inform suppliers and customers of these changes. ",[],{},{"_1947":2014,"_1949":4959,"_49":4960},{},[4961],{"_1947":1957,"_1958":4962,"_1960":4963,"_1949":4964},"Correct mistakes on credit report",[],{},{"_1947":1953,"_1949":4966,"_49":4967},{},[4968],{"_1947":1957,"_1958":4969,"_1960":4970,"_1949":4971},"Regularly checking your credit report helps you to spot any mistakes. If there are any errors on your report (even if it’s something as simple as a mistake in your address), you should flag them with the relevant agency as soon as possible so they don’t affect your chances of getting credit.",[],{},{"_1947":2014,"_1949":4973,"_49":4974},{},[4975],{"_1947":1957,"_1958":4976,"_1960":4977,"_1949":4978},"Use business credit where possible",[],{},{"_1947":1953,"_1949":4980,"_49":4981},{},[4982,4986,4994],{"_1947":1957,"_1958":4983,"_1960":4984,"_1949":4985},"If you have yet to build a business credit history, it’s important to use ",[],{},{"_1947":2292,"_1949":4987,"_49":4989},{"_2283":4988},"https://www.money.co.uk/business/guides/what-is-business-finance",[4990],{"_1947":1957,"_1958":4991,"_1960":4992,"_1949":4993},"business finance",[],{},{"_1947":1957,"_1958":4995,"_1960":4996,"_1949":4997}," rather than personal credit so that you build up your business credit score. If you use personal loans or credit cards, your repayments are only recorded on your personal credit report.",[],{},{"_1947":2014,"_1949":4999,"_49":5000},{},[5001],{"_1947":1957,"_1958":5002,"_1960":5003,"_1949":5004},"Check the credit scores of businesses you plan to work with",[],{},{"_1947":1953,"_1949":5006,"_49":5007},{},[5008],{"_1947":1957,"_1958":5009,"_1960":5010,"_1949":5011},"This can help you to select suppliers and partners that are in good financial shape. ",[],{},{"_1947":2332,"_1949":5013,"_49":5014},{},[5015],{"_1947":1957,"_1958":5016,"_1960":5017,"_1949":5018},"I’m looking for finance – what are my options if my credit score is poor?",[],{},{"_1947":1953,"_1949":5020,"_49":5021},{},[5022,5026,5034],{"_1947":1957,"_1958":5023,"_1960":5024,"_1949":5025},"If you have poor credit, it can be harder to ",[],{},{"_1947":2292,"_1949":5027,"_49":5029},{"_2283":5028},"https://www.money.co.uk/business/guides/practical-ways-to-get-business-finance",[5030],{"_1947":1957,"_1958":5031,"_1960":5032,"_1949":5033},"secure business finance and funding",[],{},{"_1947":1957,"_1958":5035,"_1960":5036,"_1949":5037},". However, some lenders are more lenient than others, so you still have options to explore. Just be aware you may need to pay a higher interest rate, and you may not be able to borrow as much as you’d originally hoped. ",[],{},{"_1947":1953,"_1949":5039,"_49":5040},{},[5041],{"_1947":1957,"_1958":5042,"_1960":5043,"_1949":5044},"If you have poor credit, you are usually better off approaching specialist online lenders rather than traditional banks. You may find it easier to get a secured loan which requires you to use an asset, such as property, as security because this lowers the risk for the lender. However, you could lose this asset if you don’t keep up with your repayments. ",[],{},{"_1947":1953,"_1949":5046,"_49":5047},{},[5048],{"_1947":1957,"_1958":5049,"_1960":5050,"_1949":5051},"Alternatively, you may be able to get a guarantor loan, where a friend or family member agrees to step in to repay the loan if you’re unable to. ",[],{},{"_1947":1953,"_1949":5053,"_49":5054},{},[5055,5059,5068],{"_1947":1957,"_1958":5056,"_1960":5057,"_1949":5058},"You could also consider opening a business bank account with a ",[],{},{"_1947":2292,"_1949":5060,"_49":5062},{"_2283":5061},"https://www.money.co.uk/business/bank-accounts/business-overdraft",[5063],{"_1947":1957,"_1958":5064,"_1960":5065,"_1949":5067},"business overdraft",[5066],{"_13":2290},{},{"_1947":1957,"_1958":5069,"_1960":5070,"_1949":5071},". You won’t be able to borrow as much as you could with a business loan, but this gives you access to credit and can help you build a business credit score at the same time. ",[],{},{"_1947":2002,"_1949":5073,"_49":5077},{"_1997":5074},{"_1798":5075},{"_1803":5076,"_13":1800,"_1801":1813},"4eh8WT6hRRVADC7Qy7Uyqz",[],{"_1947":2002,"_1949":5079,"_49":5083},{"_1997":5080},{"_1798":5081},{"_1803":5082,"_13":1800,"_1801":1813},"3px7oJ6B9N9RbX0b9WAmrS",[],{"_1947":1953,"_1949":5085,"_49":5086},{},[5087],{"_1947":1957,"_1958":9,"_1960":5088,"_1949":5089},[],{},"hasSideBar","textAlign","left","full-width",{"_1793":5095,"_1798":5098,"_1837":5109},{"_1795":5096,"_1805":5097},[],[],{"_1808":5099,"_13":1813,"_1803":2690,"_1815":5101,"_1820":2619,"_1822":5103,"_1824":5104,"_1826":5104,"_1827":5105,"_1829":5106,"_1779":5107,"_1835":1836},{"_1798":5100},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5102},{"_13":1800,"_1801":1818,"_1803":2499},"2023-05-18T08:32:31.081Z","2026-04-29T09:42:14.397Z","2023-05-18T14:35:47.075Z",49,{"_1798":5108},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5110,"_2507":5111,"_1840":1841},"Business current accounts - SEO Results Table",{"_2509":5112,"_2549":5128},{"_2507":5113},{"_2512":5114},{"_2514":5115,"_2535":5123},[5116],{"_2512":5117},{"_2523":5118,"_2533":2534},[5119,5121],{"_2526":5120},{"_2528":2529},{"_2526":5122},{"_2532":2529},[5124,5126],{"_2526":5125},{"_2539":2529},{"_2526":5127},{"_2542":2529},"business-current-accounts","392A5woiqujlKSGuy7d5bP",{"_1793":5131,"_1798":5134,"_1837":5143},{"_1795":5132,"_1805":5133},[],[],{"_1808":5135,"_13":1813,"_1803":5129,"_1815":5137,"_1820":2534,"_1822":5139,"_1824":5140,"_1826":5140,"_1827":5140,"_1829":2534,"_1779":5141,"_1835":1836},{"_1798":5136},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5138},{"_13":1800,"_1801":1818,"_1803":1819},"2025-06-18T13:56:07.401Z","2025-06-18T13:56:07.675Z",{"_1798":5142},{"_1803":1833,"_13":1800,"_1801":1834},{"_1819":1367,"_1840":1841,"_1842":1843,"_1844":5144,"_1849":5148,"_1871":5149,"_1883":5155,"_1885":5156},[5145],{"_1798":5146},{"_13":1800,"_1801":1813,"_1803":5147},"45fqXzgzAZGuZr5EzJtvXa","2020-05-05T13:39:04.215Z",[5150,5153],{"_1798":5151},{"_13":1800,"_1801":1813,"_1803":5152},"7nsucUUDsPEQPjq2FsjXEy",{"_1798":5154},{"_13":1800,"_1801":1813,"_1803":1878},"/business/business-insurance/guides:money","business_insurance","3ACRenqNGIzrlIvhAoy9oq",{"_1793":5159,"_1798":5162,"_1837":5172},{"_1795":5160,"_1805":5161},[],[],{"_1808":5163,"_13":1813,"_1803":5157,"_1815":5165,"_1820":4232,"_1822":5167,"_1824":5168,"_1826":5168,"_1827":5169,"_1829":1830,"_1779":5170,"_1835":1836},{"_1798":5164},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5166},{"_13":1800,"_1801":1818,"_1803":2362},"2026-03-11T17:39:49.982Z","2026-05-16T13:18:05.121Z","2026-03-11T17:43:07.554Z",{"_1798":5171},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5173,"_1840":1841,"_1990":5174,"_2373":5175,"_2448":1786},"Footnotes","foot-notes-module",{"_1944":5176,"_5177":5178},"References","references",[5179,5184],{"_5180":5181,"_1819":5182,"_2093":5183},"label","British Business Bank","https://www.startuploans.co.uk/media-centre/start-loans-celebrates-summer-business-record-demand-finance","Start Up Loan statistics September 2025",{"_5180":5185,"_1819":5186,"_2093":5187},"Loan repayment calculator","https://www.money.co.uk/loans/loan-repayment-calculator","Potential costs of borrowing based on money's loan repayment calculator","3C3bOBbr3NiHZSIPfbFIcT",{"_1793":5190,"_1798":5193,"_1837":5204},{"_1795":5191,"_1805":5192},[],[],{"_1808":5194,"_13":1813,"_1803":5188,"_1815":5196,"_1820":3757,"_1822":5198,"_1824":5199,"_1826":5199,"_1827":5200,"_1829":5201,"_1779":5202,"_1835":1836},{"_1798":5195},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5197},{"_13":1800,"_1801":1818,"_1803":1980},"2026-04-30T10:32:41.248Z","2026-05-16T13:18:04.383Z","2026-04-30T11:17:31.757Z",89,{"_1798":5203},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5205,"_1840":1841,"_1990":1991,"_2142":5206,"_49":5222},"Platinum - Bank of England base rate ",{"_1947":1948,"_1949":5207,"_49":5208},{},[5209,5216],{"_1947":2332,"_1949":5210,"_49":5211},{},[5212],{"_1947":1957,"_1958":5213,"_1960":5214,"_1949":5215},"What the base rate means for your business in 2026",[],{},{"_1947":1953,"_1949":5217,"_49":5218},{},[5219],{"_1947":1957,"_1958":9,"_1960":5220,"_1949":5221},[],{},{"_1949":5223,"_49":5224,"_1947":1948},{},[5225,5232,5239,5246],{"_1949":5226,"_49":5227,"_1947":1953},{},[5228],{"_1949":5229,"_1960":5230,"_1958":5231,"_1947":1957},{},[],"At the start of 2026, many forecasts predicted the Monetary Policy Committee (MPC) would lower the Bank of England base rate, which has stood at 3.75% since December 2025.",{"_1949":5233,"_49":5234,"_1947":1953},{},[5235],{"_1949":5236,"_1960":5237,"_1958":5238,"_1947":1957},{},[],"After another decision to hold in April, financial markets are pricing in the possibility of rate rises in the second half of the year. This is due to renewed concerns about inflation, particularly linked to energy costs. ",{"_1949":5240,"_49":5241,"_1947":1953},{},[5242],{"_1949":5243,"_1960":5244,"_1958":5245,"_1947":1957},{},[],"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.",{"_1949":5247,"_49":5248,"_1947":1953},{},[5249,5253,5261],{"_1949":5250,"_1960":5251,"_1958":5252,"_1947":1957},{},[],"The next base interest rate decision is due on Thursday 18 June, and you can track updates on the ",{"_1949":5254,"_49":5256,"_1947":2292},{"_2283":5255},"https://www.bankofengland.co.uk/explainers/current-interest-rate",[5257],{"_1949":5258,"_1960":5259,"_1958":5260,"_1947":1957},{},[],"Bank of England's explainer page",{"_1949":5262,"_1960":5263,"_1958":2488,"_1947":1957},{},[],"3DiQIjXP6lIghlEoqHsQnT",{"_1793":5266,"_1798":5269,"_1837":5279},{"_1795":5267,"_1805":5268},[],[],{"_1808":5270,"_13":1813,"_1803":5264,"_1815":5272,"_1820":2261,"_1822":5274,"_1824":5275,"_1826":5275,"_1827":5276,"_1829":2265,"_1779":5277,"_1835":1836},{"_1798":5271},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5273},{"_13":1800,"_1801":1818,"_1803":1934},"2026-03-20T15:09:25.564Z","2026-04-29T09:42:14.827Z","2026-03-20T16:35:30.477Z",{"_1798":5278},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5280,"_1944":5281,"_49":5282,"_1840":1841},"BCA -- Do I need a business bank account?","Do I need a business bank account?",{"_1947":1948,"_1949":5283,"_49":5284},{},[5285,5292,5325],{"_1947":1953,"_1949":5286,"_49":5287},{},[5288],{"_1947":1957,"_1958":5289,"_1960":5290,"_1949":5291},"If you operate as a limited company it’s a legal requirement, as your company is a separate legal entity from you personally.",[],{},{"_1947":1953,"_1949":5293,"_49":5294},{},[5295,5299,5308,5312,5321],{"_1947":1957,"_1958":5296,"_1960":5297,"_1949":5298},"For ",[],{},{"_1947":2292,"_1949":5300,"_49":5302},{"_2283":5301},"https://www.money.co.uk/business/bank-accounts/sole-trader",[5303],{"_1947":1957,"_1958":5304,"_1960":5305,"_1949":5307},"sole traders",[5306],{"_13":2290},{},{"_1947":1957,"_1958":5309,"_1960":5310,"_1949":5311},", there’s no legal obligation, but it’s generally recommended. Mixing personal and business finances makes it harder to track expenses, manage ",[],{},{"_1947":2292,"_1949":5313,"_49":5315},{"_2283":5314},"https://www.money.co.uk/business/guides/what-is-cash-flow",[5316],{"_1947":1957,"_1958":5317,"_1960":5318,"_1949":5320},"cash flow",[5319],{"_13":2290},{},{"_1947":1957,"_1958":5322,"_1960":5323,"_1949":5324},", and handle your taxes. Also, many banks actively prohibit using a business account for personal spending.",[],{},{"_1947":1953,"_1949":5326,"_49":5327},{},[5328,5332,5341],{"_1947":1957,"_1958":5329,"_1960":5330,"_1949":5331},"A dedicated account also unlocks features designed for running a business: ",[],{},{"_1947":2292,"_1949":5333,"_49":5335},{"_2283":5334},"https://www.money.co.uk/business/best-accounting-software",[5336],{"_1947":1957,"_1958":5337,"_1960":5338,"_1949":5340},"accounting integrations",[5339],{"_13":2290},{},{"_1947":1957,"_1958":5342,"_1960":5343,"_1949":5344},", invoicing tools, and simplified financial reporting. Most sole traders tend to find a business account saves significant time and stress when tax season arrives.",[],{},"3KWZngeMet3UyyZR7kIy4s",{"_1793":5347,"_1798":5350,"_1837":5360},{"_1795":5348,"_1805":5349},[],[],{"_1808":5351,"_13":1813,"_1803":5345,"_1815":5353,"_1820":2107,"_1822":5355,"_1824":5356,"_1826":5356,"_1827":5357,"_1829":2968,"_1779":5358,"_1835":1836},{"_1798":5352},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5354},{"_13":1800,"_1801":1818,"_1803":1934},"2025-01-24T15:48:02.442Z","2026-05-16T13:18:04.924Z","2025-01-24T15:49:01.531Z",{"_1798":5359},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5361,"_1944":5362,"_49":5363,"_1840":1841},"Platinum - business loans - FAQ 8","Can I get a business loan with bad credit?",{"_1949":5364,"_49":5365,"_1947":1948},{},[5366],{"_1949":5367,"_49":5368,"_1947":1953},{},[5369],{"_1949":5370,"_1960":5371,"_1958":5372,"_1947":1957},{},[],"Yes, it is possible to get a business loan with bad credit, but it can be more challenging. Lenders typically look at your business’s financial health, cash flow, and overall stability, rather than just your personal credit score. However, you may face higher interest rates or stricter terms if you have bad credit.","3KqjXpXcYHlXJDwvDieVWY",{"_1793":5375,"_1798":5378,"_1837":5389},{"_1795":5376,"_1805":5377},[],[],{"_1808":5379,"_13":1813,"_1803":5373,"_1815":5381,"_1820":3577,"_1822":5384,"_1824":5385,"_1826":5385,"_1827":5386,"_1829":2317,"_1779":5387,"_1835":1836},{"_1798":5380},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5382},{"_13":1800,"_1801":1818,"_1803":5383},"tile","2025-02-03T10:24:34.492Z","2026-05-16T13:18:03.717Z","2025-02-13T17:13:19.692Z",{"_1798":5388},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5390,"_1840":1841,"_2049":5391,"_1957":5392,"_2093":5393},"Business loans forced journey benefits 2","number-two-circle","Explore your options","Compare top loan offers tailored to your needs – all in one place.","3M3lTWxKNWJtMKQAxQdkQ1",{"_1793":5396,"_1798":5399,"_1837":5408},{"_1795":5397,"_1805":5398},[],[],{"_1808":5400,"_13":1813,"_1803":5394,"_1815":5402,"_1820":2534,"_1822":5404,"_1824":5405,"_1826":5405,"_1827":5405,"_1829":2213,"_1779":5406,"_1835":1836},{"_1798":5401},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5403},{"_13":1800,"_1801":1818,"_1803":1934},"2024-12-18T17:37:43.137Z","2024-12-18T17:38:46.839Z",{"_1798":5407},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5409,"_1944":5410,"_49":5411,"_1840":1841},"Business - Guides - Business credit scores explained - What if I find a mistake on my business credit report?","What if I find a mistake on my business credit report?",{"_1947":1948,"_1949":5412,"_49":5413},{},[5414],{"_1947":1953,"_1949":5415,"_49":5416},{},[5417],{"_1947":1957,"_1958":5418,"_1960":5419,"_1949":5420},"If you spot a mistake or out-of-date information on your credit report, contact the relevant credit reference agency and ask them to correct it. It’s worth having any supporting documents ready to help your claim. ",[],{},"3OwAG812qY9vGgu2Pwx1Jd",{"_1793":5423,"_1798":5426,"_1837":5437},{"_1795":5424,"_1805":5425},[],[],{"_1808":5427,"_13":1813,"_1803":5421,"_1815":5429,"_1820":1939,"_1822":5431,"_1824":5432,"_1826":5432,"_1827":5433,"_1829":5434,"_1779":5435,"_1835":1836},{"_1798":5428},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5430},{"_13":1800,"_1801":1818,"_1803":1980},"2025-07-16T10:09:51.925Z","2026-04-24T16:59:23.300Z","2025-07-17T14:39:18.282Z",38,{"_1798":5436},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5438,"_1840":1841,"_1990":1991,"_2142":5439,"_49":5455},"Platinum - business loans - at a glance",{"_1947":1948,"_1949":5440,"_49":5441},{},[5442,5449],{"_1947":2332,"_1949":5443,"_49":5444},{},[5445],{"_1947":1957,"_1958":5446,"_1960":5447,"_1949":5448},"Business loans at a glance ",[],{},{"_1947":1953,"_1949":5450,"_49":5451},{},[5452],{"_1947":1957,"_1958":9,"_1960":5453,"_1949":5454},[],{},{"_1949":5456,"_49":5457,"_1947":1948},{},[5458,5502],{"_1949":5459,"_49":5460,"_1947":2801},{},[5461,5482,5492],{"_1949":5462,"_49":5463,"_1947":2805},{},[5464],{"_1949":5465,"_49":5466,"_1947":1953},{},[5467,5471,5478],{"_1949":5468,"_1960":5469,"_1958":5470,"_1947":1957},{},[],"A business loan means you can borrow a specific sum of money and pay it back, ",{"_1949":5472,"_49":5473,"_1947":2292},{"_2283":3466},[5474],{"_1949":5475,"_1960":5476,"_1958":5477,"_1947":1957},{},[],"with interest",{"_1949":5479,"_1960":5480,"_1958":5481,"_1947":1957},{},[],", over a defined period of time.",{"_1949":5483,"_49":5484,"_1947":2805},{},[5485],{"_1949":5486,"_49":5487,"_1947":1953},{},[5488],{"_1949":5489,"_1960":5490,"_1958":5491,"_1947":1957},{},[],"The loan must be used for business purposes, for example paying for stock, hiring employees or marketing.",{"_1949":5493,"_49":5494,"_1947":2805},{},[5495],{"_1949":5496,"_49":5497,"_1947":1953},{},[5498],{"_1949":5499,"_1960":5500,"_1958":5501,"_1947":1957},{},[],"To be eligible for a loan, you'll need to be 18 or over, a UK resident with a UK registered business and able to pass relevant credit checks.",{"_1949":5503,"_49":5504,"_1947":1953},{},[5505],{"_1949":5506,"_1960":5507,"_1958":9,"_1947":1957},{},[],"3QQCGzAlfynFflXUZgazY9",{"_1793":5510,"_1798":5513,"_1837":5525},{"_1795":5511,"_1805":5512},[],[],{"_1808":5514,"_13":1813,"_1803":5508,"_1815":5516,"_1820":5518,"_1822":5519,"_1824":5520,"_1826":5520,"_1827":5521,"_1829":5522,"_1779":5523,"_1835":1836},{"_1798":5515},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5517},{"_13":1800,"_1801":1818,"_1803":2362},20,"2024-01-25T14:25:29.009Z","2026-05-16T13:18:03.946Z","2024-01-25T15:42:00.332Z",35,{"_1798":5524},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5526,"_1840":1841,"_1990":5527,"_2373":5528,"_2448":1786},"Platinum - Business loans - Quote 2","quote-snippet",{"_5529":5530,"_3454":5531,"_4185":4186,"_5532":5533,"_5534":5535},"quote","A business loan can help you get your idea off the ground or grow what you’ve already built. 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Our team of professional writers, editors and fact checkers ensure all guides and content uphold our values of being inclusive, unbiased, and accurate. ",{"_1949":5741,"_49":5742,"_1947":1953},{},[5743,5747,5751],{"_1949":5744,"_1960":5745,"_1958":5746,"_1947":1957},{},[],"Our financial writers have years of experience and check and update our guides before publication to make sure the facts in them are accurate. Where key facts change, such as the Bank of England base rate, the team will review, amend and update, and this will be reflected in the ‘edited by’",{"_1949":5748,"_1960":5749,"_1958":2872,"_1947":1957},{},[5750],{"_13":3072},{"_1949":5752,"_1960":5753,"_1958":5754,"_1947":1957},{},[],"date. Where possible, our writers and editors also seek additional sources of information to confirm the statements in their articles and will cite these in the footnotes.",{"_1949":5756,"_49":5757,"_1947":1953},{},[5758,5762,5770],{"_1949":5759,"_1960":5760,"_1958":5761,"_1947":1957},{},[],"You can see ",{"_1949":5763,"_49":5765,"_1947":2292},{"_2283":5764},"/editorial-policy",[5766],{"_1949":5767,"_1960":5768,"_1958":5769,"_1947":1957},{},[],"our editorial policy",{"_1949":5771,"_1960":5772,"_1958":5773,"_1947":1957},{},[]," here.\n\n",{"_1949":5775,"_49":5776,"_1947":1953},{},[5777],{"_1949":5778,"_1960":5779,"_1958":9,"_1947":1957},{},[],{"_1793":5781,"_1798":5784,"_1837":5795},{"_1795":5782,"_1805":5783},[],[],{"_1808":5785,"_13":1813,"_1803":3779,"_1815":5787,"_1820":3757,"_1822":5789,"_1824":5790,"_1826":5791,"_1827":5792,"_1829":2968,"_1779":5793,"_1835":1836},{"_1798":5786},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5788},{"_13":1800,"_1801":1818,"_1803":1934},"2025-04-10T09:54:20.042Z","2026-05-22T09:09:29.541Z","2026-03-17T18:20:52.112Z","2025-04-17T12:52:55.925Z",{"_1798":5794},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5796,"_1944":5797,"_49":5798,"_1840":1841},"Gather your documents","4. 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",[],{},"3dMQFuFwL6BTIow6LidVW5",{"_1793":5857,"_1798":5860,"_1837":5869},{"_1795":5858,"_1805":5859},[],[],{"_1808":5861,"_13":1813,"_1803":5855,"_1815":5863,"_1820":2042,"_1822":5865,"_1824":5866,"_1779":5867,"_1835":1836},{"_1798":5862},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5864},{"_13":1800,"_1801":1818,"_1803":1934},"2026-05-21T11:56:48.628Z","2026-05-21T12:08:37.498Z",{"_1798":5868},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5870,"_1944":5870,"_2049":5871,"_49":5874,"_1840":1841},"Scaling your business",{"_1798":5872},{"_13":1800,"_1801":2052,"_1803":5873},"6XvxO4NW0cg4TJrPXJe3fw",{"_1949":5875,"_49":5876,"_1947":1948},{},[5877,5884],{"_1949":5878,"_49":5879,"_1947":1953},{},[5880],{"_1949":5881,"_1960":5882,"_1958":5883,"_1947":1957},{},[],"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. ",{"_1949":5885,"_49":5886,"_1947":1953},{},[5887],{"_1949":5888,"_1960":5889,"_1958":5890,"_1947":1957},{},[],"You could consider a card with accounting integrations, which also offers the option to have multiple cards for your employees.","3dYPrLudzHp9TnjmXLCwM",{"_1793":5893,"_1798":5896,"_1837":5908},{"_1795":5894,"_1805":5895},[],[],{"_1808":5897,"_13":1813,"_1803":5891,"_1815":5899,"_1820":5901,"_1822":5902,"_1824":5903,"_1826":5903,"_1827":5904,"_1829":5905,"_1779":5906,"_1835":1836},{"_1798":5898},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5900},{"_13":1800,"_1801":1818,"_1803":2362},32,"2023-05-16T14:30:50.054Z","2026-05-20T12:49:32.750Z","2023-05-18T13:04:21.637Z",77,{"_1798":5907},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5909,"_1840":1841,"_1990":5910,"_2373":5911,"_2448":1786},"Platinum - Business current accounts - Sticky Nav","sticky-nav",{"_5912":5913},"sections",[5914,5918,5922,5926,5930],{"_1819":5915,"_47":5916,"_1803":5917},"Platinum - business bank account - at a glance","At a glance","59CSAthniFl4YlHk4DHSBg",{"_1819":5919,"_47":5920,"_1803":5921},"Platinum - Business current accounts - What to look for in a business bank account","What to look for","uBUWUf9XgCtl6klUtuIfr",{"_1819":5923,"_47":5924,"_1803":5925},"Platinum - Business current accounts - How to compare ","How to compare","3uxscYf39N8Zv9CWAR55OY",{"_1819":5927,"_47":5928,"_1803":5929},"Platinum - Business current accounts - What do you need?","What you need to apply","68C8zenar0UwR7yEUvEhJB",{"_1819":5931,"_47":5932,"_1803":5933},"Platinum - Business current accounts - FAQs","FAQs","5m0t0sKX9ECCfpMRHZLrmp","3iJuZSD4jffkLFgkKt5zIb",{"_1793":5936,"_1798":5939,"_1837":5949},{"_1795":5937,"_1805":5938},[],[],{"_1808":5940,"_13":1813,"_1803":5934,"_1815":5942,"_1820":3577,"_1822":5944,"_1824":5945,"_1826":5945,"_1827":5946,"_1829":2317,"_1779":5947,"_1835":1836},{"_1798":5941},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5943},{"_13":1800,"_1801":1818,"_1803":5383},"2025-02-03T10:25:53.095Z","2026-05-16T13:18:03.733Z","2025-02-13T17:13:19.704Z",{"_1798":5948},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5950,"_1840":1841,"_2049":5951,"_1957":5952,"_2093":5953},"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":5956,"_1798":5959,"_1837":5969},{"_1795":5957,"_1805":5958},[],[],{"_1808":5960,"_13":1813,"_1803":5954,"_1815":5962,"_1820":2261,"_1822":5964,"_1824":5965,"_1826":5965,"_1827":5966,"_1829":3757,"_1779":5967,"_1835":1836},{"_1798":5961},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5963},{"_13":1800,"_1801":1818,"_1803":2193},"2026-04-24T09:26:33.632Z","2026-05-16T13:18:03.833Z","2026-04-24T16:59:21.907Z",{"_1798":5968},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5970,"_49":5971,"_1840":1841},"Am I eligible?",{"_1798":5972},{"_13":1800,"_1801":1813,"_1803":5973},"kfsTKGyJA5kgJHhzh7a3F",{"_1793":5975,"_1798":5978,"_1837":5987},{"_1795":5976,"_1805":5977},[],[],{"_1808":5979,"_13":1813,"_1803":3658,"_1815":5981,"_1820":2042,"_1822":5983,"_1824":5984,"_1779":5985,"_1835":1836},{"_1798":5980},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":5982},{"_13":1800,"_1801":1818,"_1803":1980},"2026-05-20T14:03:30.596Z","2026-05-20T15:14:47.130Z",{"_1798":5986},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5988,"_1840":1841,"_1990":1991,"_2142":5989,"_49":6004},"Business credit cards at a glance",{"_1949":5990,"_49":5991,"_1947":1948},{},[5992,5998],{"_1949":5993,"_49":5994,"_1947":2332},{},[5995],{"_1949":5996,"_1960":5997,"_1958":5988,"_1947":1957},{},[],{"_1949":5999,"_49":6000,"_1947":1953},{},[6001],{"_1949":6002,"_1960":6003,"_1958":9,"_1947":1957},{},[],{"_1947":1948,"_1949":6005,"_49":6006},{},[6007,6015,6038,6046,6069,6077,6100],{"_1947":1953,"_1949":6008,"_49":6009},{},[6010],{"_1947":1957,"_1958":6011,"_1960":6012,"_1949":6014},"Can I apply?",[6013],{"_13":2815},{},{"_1947":2801,"_1949":6016,"_49":6017},{},[6018,6028],{"_1947":2805,"_1949":6019,"_49":6020},{},[6021],{"_1947":1953,"_1949":6022,"_49":6023},{},[6024],{"_1947":1957,"_1958":6025,"_1960":6026,"_1949":6027},"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.",[],{},{"_1947":2805,"_1949":6029,"_49":6030},{},[6031],{"_1947":1953,"_1949":6032,"_49":6033},{},[6034],{"_1947":1957,"_1958":6035,"_1960":6036,"_1949":6037},"When deciding what to apply for, it’s best to choose a card that suits your company and profile.",[],{},{"_1947":1953,"_1949":6039,"_49":6040},{},[6041],{"_1947":1957,"_1958":6042,"_1960":6043,"_1949":6045},"Am I Eligible? ",[6044],{"_13":2815},{},{"_1947":2801,"_1949":6047,"_49":6048},{},[6049,6059],{"_1947":2805,"_1949":6050,"_49":6051},{},[6052],{"_1947":1953,"_1949":6053,"_49":6054},{},[6055],{"_1947":1957,"_1958":6056,"_1960":6057,"_1949":6058},"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.",[],{},{"_1947":2805,"_1949":6060,"_49":6061},{},[6062],{"_1947":1953,"_1949":6063,"_49":6064},{},[6065],{"_1947":1957,"_1958":6066,"_1960":6067,"_1949":6068},"Some providers offer soft eligibility checks to show your chances of approval before you apply (which won't impact your credit score).",[],{},{"_1947":1953,"_1949":6070,"_49":6071},{},[6072],{"_1947":1957,"_1958":6073,"_1960":6074,"_1949":6076},"How long will it take?",[6075],{"_13":2815},{},{"_1947":2801,"_1949":6078,"_49":6079},{},[6080,6090],{"_1947":2805,"_1949":6081,"_49":6082},{},[6083],{"_1947":1953,"_1949":6084,"_49":6085},{},[6086],{"_1947":1957,"_1958":6087,"_1960":6088,"_1949":6089},"Approval can range from an instant decision to a few days, depending on how quickly the provider completes your credit checks. ",[],{},{"_1947":2805,"_1949":6091,"_49":6092},{},[6093],{"_1947":1953,"_1949":6094,"_49":6095},{},[6096],{"_1947":1957,"_1958":6097,"_1960":6098,"_1949":6099},"Once you're approved, your card will generally arrive within 7-10 days, but virtual cards can be available immediately.",[],{},{"_1947":1953,"_1949":6101,"_49":6102},{},[6103],{"_1947":1957,"_1958":9,"_1960":6104,"_1949":6105},[],{},{"_1793":6107,"_1798":6110,"_1837":6121},{"_1795":6108,"_1805":6109},[],[],{"_1808":6111,"_13":1813,"_1803":5082,"_1815":6113,"_1820":2261,"_1822":6116,"_1824":6117,"_1826":6117,"_1827":6118,"_1829":2107,"_1779":6119,"_1835":1836},{"_1798":6112},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":6114},{"_13":1800,"_1801":1818,"_1803":6115},"linkList","2024-08-14T15:19:30.491Z","2025-06-19T15:37:22.039Z","2024-08-16T08:37:03.162Z",{"_1798":6120},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":6122,"_1840":1841,"_1944":6123,"_3541":6124},"Business - Guides - You may also like - Business credit cards","You may also like",[6125,6127,6130,6133,6135],{"_1798":6126},{"_13":1800,"_1801":1813,"_1803":2691},{"_1798":6128},{"_13":1800,"_1801":1813,"_1803":6129},"5Jgmgf3k9pTwikKGxNQGCV",{"_1798":6131},{"_13":1800,"_1801":1813,"_1803":6132},"4T8LwalL4lbPjvDlrkXxnM",{"_1798":6134},{"_13":1800,"_1801":1813,"_1803":5129},{"_1798":6136},{"_13":1800,"_1801":1813,"_1803":2203},"3q0PQcUj25hYubm8nnwzhl",{"_1793":6139,"_1798":6142,"_1837":6152},{"_1795":6140,"_1805":6141},[],[],{"_1808":6143,"_13":1813,"_1803":6137,"_1815":6145,"_1820":2107,"_1822":6147,"_1824":6148,"_1826":6148,"_1827":6149,"_1829":3820,"_1779":6150,"_1835":1836},{"_1798":6144},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":6146},{"_13":1800,"_1801":1818,"_1803":1934},"2025-02-24T14:45:01.487Z","2026-02-17T12:06:38.572Z","2025-02-24T14:46:00.748Z",{"_1798":6151},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":6153,"_1944":6154,"_49":6155,"_1840":1841},"Platinum - Business - Business Credit Cards - Interest-free","Are there any interest-free business credit cards?",{"_1947":1948,"_1949":6156,"_49":6157},{},[6158,6165,6172],{"_1947":1953,"_1949":6159,"_49":6160},{},[6161],{"_1947":1957,"_1958":6162,"_1960":6163,"_1949":6164},"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.",[],{},{"_1947":1953,"_1949":6166,"_49":6167},{},[6168],{"_1947":1957,"_1958":6169,"_1960":6170,"_1949":6171},"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.",[],{},{"_1947":1953,"_1949":6173,"_49":6174},{},[6175,6179,6183,6186,6194],{"_1947":1957,"_1958":6176,"_1960":6177,"_1949":6178},"Choosing a card with a generous interest-free window can help ",[],{},{"_1947":1957,"_1958":6180,"_1960":6181,"_1949":6182},"free up",[],{},{"_1947":1957,"_1958":2872,"_1960":6184,"_1949":6185},[],{},{"_1947":2292,"_1949":6187,"_49":6189},{"_2283":6188},"https://www.money.co.uk/business/guides/what-is-working-capital",[6190],{"_1947":1957,"_1958":6191,"_1960":6192,"_1949":6193},"working capital",[],{},{"_1947":1957,"_1958":6195,"_1960":6196,"_1949":6197},", especially when spreading the cost of large purchases.",[],{},"3uGVJMHgLuZVxyuW9kI1Fh",{"_1793":6200,"_1798":6203,"_1837":6213},{"_1795":6201,"_1805":6202},[],[],{"_1808":6204,"_13":1813,"_1803":6198,"_1815":6206,"_1820":3757,"_1822":6208,"_1824":6209,"_1826":6209,"_1827":6210,"_1829":2968,"_1779":6211,"_1835":1836},{"_1798":6205},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":6207},{"_13":1800,"_1801":1818,"_1803":1934},"2025-12-04T10:53:56.846Z","2026-05-16T13:18:04.970Z","2025-12-04T10:55:14.779Z",{"_1798":6212},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":6214,"_1944":6215,"_49":6216,"_1840":1841},"Platinum - business loans - FAQ 11","Can I apply for a business loan if my company isn’t profitable yet?",{"_1949":6217,"_49":6218,"_1947":1948},{},[6219],{"_1949":6220,"_49":6221,"_1947":1953},{},[6222],{"_1949":6223,"_1960":6224,"_1958":6225,"_1947":1957},{},[],"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":6227,"_1798":6230,"_1837":6240},{"_1795":6228,"_1805":6229},[],[],{"_1808":6231,"_13":1813,"_1803":5925,"_1815":6233,"_1820":5518,"_1822":6235,"_1824":6236,"_1826":6236,"_1827":6237,"_1829":5901,"_1779":6238,"_1835":1836},{"_1798":6232},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":6234},{"_13":1800,"_1801":1818,"_1803":2362},"2023-05-16T13:41:35.456Z","2026-04-29T09:42:14.753Z","2023-05-16T13:46:08.265Z",{"_1798":6239},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5923,"_1840":1841,"_1990":6241,"_2373":6242,"_2448":1786},"card-carousel",{"_1944":6243,"_6244":59,"_6245":6246,"_6247":6248},"How to compare business bank accounts","showSubHeader","subHeaderContent","When comparing business accounts, consider the following factors:","cards",[6249,6256,6259,6263,6267],{"_6250":1944,"_1944":6251,"_6252":6253,"_6254":6251,"_2049":6255},"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",{"_6250":1944,"_1944":6257,"_6252":6258,"_6254":6257,"_2049":5391},"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.",{"_6250":1944,"_1944":6260,"_6252":6261,"_6254":6262,"_2049":5951},"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",{"_6250":1944,"_1944":6264,"_6252":6265,"_6254":6264,"_2049":6266},"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",{"_6250":1944,"_1944":6268,"_6252":6269,"_6254":6268,"_2049":6270},"Additional services","Consider any extra services that could add value to your business, such as invoicing tools, integration with accounting software, multi-currency accounts, or the option for a business credit card. 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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":6294,"_1798":6297,"_1837":6308},{"_1795":6295,"_1805":6296},[],[],{"_1808":6298,"_13":1813,"_1803":3707,"_1815":6300,"_1820":2678,"_1822":6302,"_1824":6303,"_1826":6303,"_1827":6304,"_1829":6305,"_1779":6306,"_1835":1836},{"_1798":6299},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":6301},{"_13":1800,"_1801":1818,"_1803":3276},"2023-06-15T11:32:49.883Z","2026-04-10T14:54:38.829Z","2023-06-16T10:38:38.238Z",71,{"_1798":6307},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":6309,"_1840":1841,"_1944":5932,"_3287":59,"_1990":1991,"_3289":6310},"Platinum - Business - Business Credit Cards - FAQs",[6311,6314,6317,6320,6323,6325,6327,6329,6331,6334,6336],{"_1798":6312},{"_13":1800,"_1801":1813,"_1803":6313},"50yiTEl1DLAS5FcxYlimZx",{"_1798":6315},{"_13":1800,"_1801":1813,"_1803":6316},"47e4BHm7vMQWgGNSKnhKBC",{"_1798":6318},{"_13":1800,"_1801":1813,"_1803":6319},"m63i6Gj55vylUbcr12jVL",{"_1798":6321},{"_13":1800,"_1801":1813,"_1803":6322},"4Zj31SLcUoGj3HIAJV59aL",{"_1798":6324},{"_13":1800,"_1801":1813,"_1803":3846},{"_1798":6326},{"_13":1800,"_1801":1813,"_1803":1924},{"_1798":6328},{"_13":1800,"_1801":1813,"_1803":6137},{"_1798":6330},{"_13":1800,"_1801":1813,"_1803":4001},{"_1798":6332},{"_13":1800,"_1801":1813,"_1803":6333},"7ySEA0ugXQ8hJI1RIegKmn",{"_1798":6335},{"_13":1800,"_1801":1813,"_1803":2773},{"_1798":6337},{"_13":1800,"_1801":1813,"_1803":6338},"7EkmNKHazjGmFcPlhZuVoM","4448z5Vn5vWtli48s745nn",{"_1793":6341,"_1798":6344,"_1837":6355},{"_1795":6342,"_1805":6343},[],[],{"_1808":6345,"_13":1813,"_1803":6339,"_1815":6347,"_1820":4232,"_1822":6349,"_1824":6350,"_1826":6350,"_1827":6351,"_1829":6352,"_1779":6353,"_1835":1836},{"_1798":6346},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":6348},{"_13":1800,"_1801":1818,"_1803":1980},"2026-05-15T16:46:10.698Z","2026-05-19T15:22:47.122Z","2026-05-15T17:04:32.101Z",107,{"_1798":6354},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":6356,"_1840":1841,"_1990":1991,"_2142":6357,"_49":6373,"_2009":6422},"What are the main types of business loan?",{"_1949":6358,"_49":6359,"_1947":1948},{},[6360,6367],{"_1949":6361,"_49":6362,"_1947":2332},{},[6363],{"_1949":6364,"_1960":6365,"_1958":6366,"_1947":1957},{},[],"Main types of business loan",{"_1949":6368,"_49":6369,"_1947":1953},{},[6370],{"_1949":6371,"_1960":6372,"_1958":9,"_1947":1957},{},[],{"_1949":6374,"_49":6375,"_1947":1948},{},[6376,6383,6416],{"_1949":6377,"_49":6378,"_1947":2014},{},[6379],{"_1949":6380,"_1960":6381,"_1958":6382,"_1947":1957},{},[],"Secured business loan",{"_1949":6384,"_49":6385,"_1947":2801},{},[6386,6396,6406],{"_1949":6387,"_49":6388,"_1947":2805},{},[6389],{"_1949":6390,"_49":6391,"_1947":1953},{},[6392],{"_1949":6393,"_1960":6394,"_1958":6395,"_1947":1957},{},[],"You need to provide assets as security to cover the amount being borrowed. 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",[],{},{"_1947":2014,"_1949":8486,"_49":8487},{},[8488],{"_1947":1957,"_1958":8489,"_1960":8490,"_1949":8491},"1. Come up with an idea",[],{},{"_1947":1953,"_1949":8493,"_49":8494},{},[8495,8499,8508],{"_1947":1957,"_1958":8496,"_1960":8497,"_1949":8498},"The first step in starting a business is having a ",[],{},{"_1947":2292,"_1949":8500,"_49":8502},{"_2283":8501},"/business/guides/small-business-ideas",[8503],{"_1947":1957,"_1958":8504,"_1960":8505,"_1949":8507},"good business idea",[8506],{"_13":2290},{},{"_1947":1957,"_1958":8509,"_1960":8510,"_1949":8511},". Think about what you're passionate about and where you think there might be a gap in the market. ",[],{},{"_1947":1953,"_1949":8513,"_49":8514},{},[8515,8519,8528],{"_1947":1957,"_1958":8516,"_1960":8517,"_1949":8518},"Your idea could be related to jobs you've had in the past or even your hobbies. Try to ensure that your product or service solves a problem, and ",[],{},{"_1947":2292,"_1949":8520,"_49":8522},{"_2283":8521},"/business/guides/how-to-validate-a-business-idea",[8523],{"_1947":1957,"_1958":8524,"_1960":8525,"_1949":8527},"validate your idea",[8526],{"_13":2290},{},{"_1947":1957,"_1958":8529,"_1960":8530,"_1949":8531}," to gain confidence before moving forward",[],{},{"_1947":1953,"_1949":8533,"_49":8534},{},[8535,8539,8548],{"_1947":1957,"_1958":8536,"_1960":8537,"_1949":8538},"If you're considering an online business, check out our step-by-step guide on ",[],{},{"_1947":2292,"_1949":8540,"_49":8542},{"_2283":8541},"/business/guides/how-to-start-an-online-business",[8543],{"_1947":1957,"_1958":8544,"_1960":8545,"_1949":8547},"how to start an online business",[8546],{"_13":2290},{},{"_1947":1957,"_1958":2488,"_1960":8549,"_1949":8550},[],{},{"_1947":2002,"_1949":8552,"_49":8555},{"_1997":8553},{"_1798":8554},{"_1803":7262,"_13":1800,"_1801":1813},[],{"_1947":2014,"_1949":8557,"_49":8558},{},[8559],{"_1947":1957,"_1958":8560,"_1960":8561,"_1949":8562},"2. Road-test your plan",[],{},{"_1947":1953,"_1949":8564,"_49":8565},{},[8566,8570,8579,8583,8592],{"_1947":1957,"_1958":8567,"_1960":8568,"_1949":8569},"Speak to your friends and family to see what they think about your idea. ",[],{},{"_1947":2292,"_1949":8571,"_49":8573},{"_2283":8572},"/business/guides/what-is-market-research",[8574],{"_1947":1957,"_1958":8575,"_1960":8576,"_1949":8578},"Consider market research",[8577],{"_13":2290},{},{"_1947":1957,"_1958":8580,"_1960":8581,"_1949":8582}," to get feedback from potential customers or buyers. Make sure you ",[],{},{"_1947":2292,"_1949":8584,"_49":8586},{"_2283":8585},"/business/guides/how-to-define-target-market",[8587],{"_1947":1957,"_1958":8588,"_1960":8589,"_1949":8591},"completely understand your target market",[8590],{"_13":2290},{},{"_1947":1957,"_1958":8593,"_1960":8594,"_1949":8595}," and audience. Consider their disposable income and determine whether you can charge enough to cover your time and make a profit.",[],{},{"_1947":2014,"_1949":8597,"_49":8598},{},[8599],{"_1947":1957,"_1958":8600,"_1960":8601,"_1949":8602},"3. Check out the competition",[],{},{"_1947":1953,"_1949":8604,"_49":8605},{},[8606],{"_1947":1957,"_1958":8607,"_1960":8608,"_1949":8609},"Look online to see if anyone else has had the same or a similar idea to yours. Most businesses aren't wholly unique, but if similar products or services exist, you'll need something to make yours stand out from the crowd. ",[],{},{"_1947":1953,"_1949":8611,"_49":8612},{},[8613],{"_1947":1957,"_1958":8614,"_1960":8615,"_1949":8616},"You might be able to achieve this with cheaper pricing, improvements in quality, better customer service or a new twist or innovation.",[],{},{"_1947":2014,"_1949":8618,"_49":8619},{},[8620],{"_1947":1957,"_1958":8621,"_1960":8622,"_1949":8623},"4. Work out how to market your business",[],{},{"_1947":1953,"_1949":8625,"_49":8626},{},[8627],{"_1947":1957,"_1958":8628,"_1960":8629,"_1949":8630},"Once you launch, you need a steady stream of customers or clients to make the company successful. ",[],{},{"_1947":1953,"_1949":8632,"_49":8633},{},[8634],{"_1947":1957,"_1958":8635,"_1960":8636,"_1949":8637},"Think carefully about how you’ll attract new business. You could rely on word of mouth, social media, marketing or traditional advertising. All these approaches require resources though - whether in terms of time, money, or both.",[],{},{"_1947":2014,"_1949":8639,"_49":8640},{},[8641],{"_1947":1957,"_1958":8642,"_1960":8643,"_1949":8644},"5. Think about the future of the industry",[],{},{"_1947":1953,"_1949":8646,"_49":8647},{},[8648],{"_1947":1957,"_1958":8649,"_1960":8650,"_1949":8651},"Research market trends and think about the future of your industry. For example, is there a chance that AI will replace your skills, or are people turning away from your product because it's not environmentally friendly? ",[],{},{"_1947":1953,"_1949":8653,"_49":8654},{},[8655],{"_1947":1957,"_1958":8656,"_1960":8657,"_1949":8658},"You need to ensure that your business idea is as future-proof as possible. Thinking about the future may reveal new opportunities or ways to make your business more attractive.",[],{},{"_1947":2014,"_1949":8660,"_49":8661},{},[8662],{"_1947":1957,"_1958":8663,"_1960":8664,"_1949":8665},"6. Create a business plan",[],{},{"_1947":1953,"_1949":8667,"_49":8668},{},[8669,8673,8682],{"_1947":1957,"_1958":8670,"_1960":8671,"_1949":8672},"Use all this research to ",[],{},{"_1947":2292,"_1949":8674,"_49":8676},{"_2283":8675},"/business/guides/how-to-write-a-business-plan",[8677],{"_1947":1957,"_1958":8678,"_1960":8679,"_1949":8681},"create a proper business plan",[8680],{"_13":2290},{},{"_1947":1957,"_1958":8683,"_1960":8684,"_1949":8685},": a written document that describes your business and outlines its future. It should include important information such as how much turnover you expect to make in the short and medium term and your strategy for achieving this.",[],{},{"_1947":1953,"_1949":8687,"_49":8688},{},[8689,8693,8702],{"_1947":1957,"_1958":8690,"_1960":8691,"_1949":8692},"All business plans need to contain ",[],{},{"_1947":2292,"_1949":8694,"_49":8696},{"_2283":8695},"/business/guides/key-business-plan-sections",[8697],{"_1947":1957,"_1958":8698,"_1960":8699,"_1949":8701},"several key sections",[8700],{"_13":2290},{},{"_1947":1957,"_1958":8703,"_1960":8704,"_1949":8705},", including: ",[],{},{"_1947":2801,"_1949":8707,"_49":8708},{},[8709,8743,8758,8773,8788,8803,8818,8833,8848,8863],{"_1947":2805,"_1949":8710,"_49":8711},{},[8712],{"_1947":1953,"_1949":8713,"_49":8714},{},[8715,8720,8725,8735,8739],{"_1947":1957,"_1958":8716,"_1960":8717,"_1949":8719},"A",[8718],{"_13":2815},{},{"_1947":1957,"_1958":8721,"_1960":8722,"_1949":8724},"n ",[8723],{"_13":2815},{},{"_1947":2292,"_1949":8726,"_49":8728},{"_2283":8727},"/business/guides/business-plan-executive-summary",[8729],{"_1947":1957,"_1958":8730,"_1960":8731,"_1949":8734},"executive summary",[8732,8733],{"_13":2290},{"_13":2815},{},{"_1947":1957,"_1958":2872,"_1960":8736,"_1949":8738},[8737],{"_13":2815},{},{"_1947":1957,"_1958":8740,"_1960":8741,"_1949":8742},"- think of this as your elevator pitch",[],{},{"_1947":2805,"_1949":8744,"_49":8745},{},[8746],{"_1947":1953,"_1949":8747,"_49":8748},{},[8749,8754],{"_1947":1957,"_1958":8750,"_1960":8751,"_1949":8753},"Company information",[8752],{"_13":2815},{},{"_1947":1957,"_1958":8755,"_1960":8756,"_1949":8757}," - what's your business? How is it structured?",[],{},{"_1947":2805,"_1949":8759,"_49":8760},{},[8761],{"_1947":1953,"_1949":8762,"_49":8763},{},[8764,8769],{"_1947":1957,"_1958":8765,"_1960":8766,"_1949":8768},"Owner information",[8767],{"_13":2815},{},{"_1947":1957,"_1958":8770,"_1960":8771,"_1949":8772}," - information about you, your partners and anyone else that makes up the ownership of the business ",[],{},{"_1947":2805,"_1949":8774,"_49":8775},{},[8776],{"_1947":1953,"_1949":8777,"_49":8778},{},[8779,8784],{"_1947":1957,"_1958":8780,"_1960":8781,"_1949":8783},"Market research",[8782],{"_13":2815},{},{"_1947":1957,"_1958":8785,"_1960":8786,"_1949":8787}," - who are your customers, what do they need and what does the wider market look like?",[],{},{"_1947":2805,"_1949":8789,"_49":8790},{},[8791],{"_1947":1953,"_1949":8792,"_49":8793},{},[8794,8799],{"_1947":1957,"_1958":8795,"_1960":8796,"_1949":8798},"Marketing strategies",[8797],{"_13":2815},{},{"_1947":1957,"_1958":8800,"_1960":8801,"_1949":8802}," - how will you promote your business and attract customers?",[],{},{"_1947":2805,"_1949":8804,"_49":8805},{},[8806],{"_1947":1953,"_1949":8807,"_49":8808},{},[8809,8814],{"_1947":1957,"_1958":8810,"_1960":8811,"_1949":8813},"Competitor analysis",[8812],{"_13":2815},{},{"_1947":1957,"_1958":8815,"_1960":8816,"_1949":8817}," - who else serves your market and how will your business stand out?",[],{},{"_1947":2805,"_1949":8819,"_49":8820},{},[8821],{"_1947":1953,"_1949":8822,"_49":8823},{},[8824,8829],{"_1947":1957,"_1958":8825,"_1960":8826,"_1949":8828},"Product and service design",[8827],{"_13":2815},{},{"_1947":1957,"_1958":8830,"_1960":8831,"_1949":8832}," - what will you sell, how will it work and why will customers value it?",[],{},{"_1947":2805,"_1949":8834,"_49":8835},{},[8836],{"_1947":1953,"_1949":8837,"_49":8838},{},[8839,8844],{"_1947":1957,"_1958":8840,"_1960":8841,"_1949":8843},"Development plans",[8842],{"_13":2815},{},{"_1947":1957,"_1958":8845,"_1960":8846,"_1949":8847}," - how do you plan to launch and grow the business over time?",[],{},{"_1947":2805,"_1949":8849,"_49":8850},{},[8851],{"_1947":1953,"_1949":8852,"_49":8853},{},[8854,8859],{"_1947":1957,"_1958":8855,"_1960":8856,"_1949":8858},"Operations and logistics plans",[8857],{"_13":2815},{},{"_1947":1957,"_1958":8860,"_1960":8861,"_1949":8862}," - how will the business run day to day - from suppliers and stock to delivery and customer service?",[],{},{"_1947":2805,"_1949":8864,"_49":8865},{},[8866],{"_1947":1953,"_1949":8867,"_49":8868},{},[8869,8873,8883,8887],{"_1947":1957,"_1958":9,"_1960":8870,"_1949":8872},[8871],{"_13":2815},{},{"_1947":2292,"_1949":8874,"_49":8876},{"_2283":8875},"/business/guides/business-plan-financial-projections",[8877],{"_1947":1957,"_1958":8878,"_1960":8879,"_1949":8882},"Financial information",[8880,8881],{"_13":2290},{"_13":2815},{},{"_1947":1957,"_1958":2872,"_1960":8884,"_1949":8886},[8885],{"_13":2815},{},{"_1947":1957,"_1958":8888,"_1960":8889,"_1949":8890},"- including start up costs and pricing, to day-to-day operations",[],{},{"_1947":1953,"_1949":8892,"_49":8893},{},[8894,8898,8907],{"_1947":1957,"_1958":8895,"_1960":8896,"_1949":8897},"The Prince's Trust has a helpful ",[],{},{"_1947":2292,"_1949":8899,"_49":8901},{"_2283":8900},"https://www.princes-trust.org.uk/how-we-can-help/tools-resources/business-tools/business-plans",[8902],{"_1947":1957,"_1958":8903,"_1960":8904,"_1949":8906},"template",[8905],{"_13":2290},{},{"_1947":1957,"_1958":8908,"_1960":8909,"_1949":8910}," to get you started.",[],{},{"_1947":2332,"_1949":8912,"_49":8913},{},[8914],{"_1947":1957,"_1958":8915,"_1960":8916,"_1949":8917},"How to name your business",[],{},{"_1947":1953,"_1949":8919,"_49":8920},{},[8921],{"_1947":1957,"_1958":8922,"_1960":8923,"_1949":8924},"Now you have a plan, it's time to get creative. ",[],{},{"_1947":1953,"_1949":8926,"_49":8927},{},[8928],{"_1947":1957,"_1958":8929,"_1960":8930,"_1949":8931},"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.",[],{},{"_1947":1953,"_1949":8933,"_49":8934},{},[8935],{"_1947":1957,"_1958":8936,"_1960":8937,"_1949":8938},"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. ",[],{},{"_1947":1953,"_1949":8940,"_49":8941},{},[8942,8946,8955],{"_1947":1957,"_1958":8943,"_1960":8944,"_1949":8945},"Trademarking will prevent other businesses from stealing your intellectual property, including slogans, brand names, logos, etc. To find out more, read our ",[],{},{"_1947":2292,"_1949":8947,"_49":8949},{"_2283":8948},"/business/guides/how-to-register-a-trademark",[8950],{"_1947":1957,"_1958":8951,"_1960":8952,"_1949":8954},"guide to trademarking",[8953],{"_13":2290},{},{"_1947":1957,"_1958":2488,"_1960":8956,"_1949":8957},[],{},{"_1947":4568,"_1949":8959,"_49":8960},{},[8961],{"_1947":1953,"_1949":8962,"_49":8963},{},[8964,8969,8977],{"_1947":1957,"_1958":8965,"_1960":8966,"_1949":8968},"Case study: ",[8967],{"_13":2815},{},{"_1947":2292,"_1949":8970,"_49":8972},{"_2283":8971},"/business/case-studies/hay-events",[8973],{"_1947":1957,"_1958":8974,"_1960":8975,"_1949":8976},"Meet Tinique: the events expert who turned a ‘lightbulb moment’ into a successful business",[],{},{"_1947":1957,"_1958":9,"_1960":8978,"_1949":8979},[],{},{"_1947":2332,"_1949":8981,"_49":8982},{},[8983],{"_1947":1957,"_1958":8984,"_1960":8985,"_1949":8986},"How to register a business",[],{},{"_1947":1953,"_1949":8988,"_49":8989},{},[8990],{"_1947":1957,"_1958":8991,"_1960":8992,"_1949":8993},"Once you've decided which type of company to set up and you have a name, you'll need to register it. ",[],{},{"_1947":1953,"_1949":8995,"_49":8996},{},[8997],{"_1947":1957,"_1958":8998,"_1960":8999,"_1949":9000},"The process differs depending on the type of company structure you choose. There are three main options: ",[],{},{"_1947":2801,"_1949":9002,"_49":9003},{},[9004,9018,9028],{"_1947":2805,"_1949":9005,"_49":9006},{},[9007],{"_1947":1953,"_1949":9008,"_49":9009},{},[9010,9014],{"_1947":1957,"_1958":9011,"_1960":9012,"_1949":9013},"S",[],{},{"_1947":1957,"_1958":9015,"_1960":9016,"_1949":9017},"ole trader",[],{},{"_1947":2805,"_1949":9019,"_49":9020},{},[9021],{"_1947":1953,"_1949":9022,"_49":9023},{},[9024],{"_1947":1957,"_1958":9025,"_1960":9026,"_1949":9027},"Limited company",[],{},{"_1947":2805,"_1949":9029,"_49":9030},{},[9031],{"_1947":1953,"_1949":9032,"_49":9033},{},[9034,9038],{"_1947":1957,"_1958":9035,"_1960":9036,"_1949":9037},"L",[],{},{"_1947":1957,"_1958":9039,"_1960":9040,"_1949":9041},"imited liability partnership. ",[],{},{"_1947":1953,"_1949":9043,"_49":9044},{},[9045,9049,9058],{"_1947":1957,"_1958":9046,"_1960":9047,"_1949":9048},"Read our ",[],{},{"_1947":2292,"_1949":9050,"_49":9052},{"_2283":9051},"/business/guides/sole-trader-vs-limited-company",[9053],{"_1947":1957,"_1958":9054,"_1960":9055,"_1949":9057},"Sole trader vs limited company guide",[9056],{"_13":2290},{},{"_1947":1957,"_1958":9059,"_1960":9060,"_1949":9061}," to find out which is right for you and the first steps to take to get started.",[],{},{"_1947":2332,"_1949":9063,"_49":9064},{},[9065],{"_1947":1957,"_1958":9066,"_1960":9067,"_1949":9068},"How much does it cost to start a business?",[],{},{"_1947":1953,"_1949":9070,"_49":9071},{},[9072,9075,9083],{"_1947":1957,"_1958":9,"_1960":9073,"_1949":9074},[],{},{"_1947":2292,"_1949":9076,"_49":9078},{"_2283":9077},"/business/guides/startup-costs",[9079],{"_1947":1957,"_1958":9080,"_1960":9081,"_1949":9082},"The cost of setting up a business",[],{},{"_1947":1957,"_1958":9084,"_1960":9085,"_1949":9086}," varies greatly depending on your industry, the type of business you want to start, and what you need to get started. ",[],{},{"_1947":1953,"_1949":9088,"_49":9089},{},[9090],{"_1947":1957,"_1958":9091,"_1960":9092,"_1949":9093},"Many businesses require nothing more than a computer and a wi-fi connection, such as freelance writing, bookkeeping or being an e-book novelist. ",[],{},{"_1947":1953,"_1949":9095,"_49":9096},{},[9097],{"_1947":1957,"_1958":9098,"_1960":9099,"_1949":9100},"Some jobs require some goods or materials to get started, such as wool for a knitting business or supplies for a cleaning business. ",[],{},{"_1947":1953,"_1949":9102,"_49":9103},{},[9104],{"_1947":1957,"_1958":9105,"_1960":9106,"_1949":9107},"Some enterprises have much larger overheads, such as offices, factories or heavy equipment.",[],{},{"_1947":1953,"_1949":9109,"_49":9110},{},[9111,9115,9122],{"_1947":1957,"_1958":9112,"_1960":9113,"_1949":9114},"Many entrepreneurs either self-fund their new business or ",[],{},{"_1947":2292,"_1949":9116,"_49":9117},{"_2283":286},[9118],{"_1947":1957,"_1958":9119,"_1960":9120,"_1949":9121},"seek investment",[],{},{"_1947":1957,"_1958":9123,"_1960":9124,"_1949":9125}," from friends and family. However, if additional start-up capital is required, numerous options are available. Most fall into three categories: ",[],{},{"_1947":2801,"_1949":9127,"_49":9128},{},[9129,9139,9149],{"_1947":2805,"_1949":9130,"_49":9131},{},[9132],{"_1947":1953,"_1949":9133,"_49":9134},{},[9135],{"_1947":1957,"_1958":9136,"_1960":9137,"_1949":9138},"Loans that require repayment",[],{},{"_1947":2805,"_1949":9140,"_49":9141},{},[9142],{"_1947":1953,"_1949":9143,"_49":9144},{},[9145],{"_1947":1957,"_1958":9146,"_1960":9147,"_1949":9148},"Grants that do not",[],{},{"_1947":2805,"_1949":9150,"_49":9151},{},[9152],{"_1947":1953,"_1949":9153,"_49":9154},{},[9155],{"_1947":1957,"_1958":9156,"_1960":9157,"_1949":9158},"Funding from investors in exchange for equity",[],{},{"_1947":1953,"_1949":9160,"_49":9161},{},[9162,9165,9174],{"_1947":1957,"_1958":9,"_1960":9163,"_1949":9164},[],{},{"_1947":2292,"_1949":9166,"_49":9168},{"_2283":9167},"/business/guides/how-to-get-funding-for-a-business",[9169],{"_1947":1957,"_1958":9170,"_1960":9171,"_1949":9173},"Read our in-depth guide to business funding options to learn more",[9172],{"_13":2290},{},{"_1947":1957,"_1958":9,"_1960":9175,"_1949":9176},[],{},{"_1947":2332,"_1949":9178,"_49":9179},{},[9180],{"_1947":1957,"_1958":9181,"_1960":9182,"_1949":9183},"Tax",[],{},{"_1947":1953,"_1949":9185,"_49":9186},{},[9187],{"_1947":1957,"_1958":9188,"_1960":9189,"_1949":9190},"Taxes and finances are a huge part of running your own business. Self-employed individuals must complete a personal tax return each year. ",[],{},{"_1947":1953,"_1949":9192,"_49":9193},{},[9194,9198,9206],{"_1947":1957,"_1958":9195,"_1960":9196,"_1949":9197},"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, ",[],{},{"_1947":2292,"_1949":9199,"_49":9201},{"_2283":9200},"/business/guides/vat-explained",[9202],{"_1947":1957,"_1958":9203,"_1960":9204,"_1949":9205},"VAT registration",[],{},{"_1947":1957,"_1958":9207,"_1960":9208,"_1949":9209},", corporation tax, workplace pensions and more.",[],{},{"_1947":1953,"_1949":9211,"_49":9212},{},[9213,9217,9225],{"_1947":1957,"_1958":9214,"_1960":9215,"_1949":9216},"You should also keep comprehensive records, including all your sales and expenses receipts. Hiring an accountant will cost money, but they can help you ",[],{},{"_1947":2292,"_1949":9218,"_49":9220},{"_2283":9219},"/business/guides/small-business-tax-relief",[9221],{"_1947":1957,"_1958":9222,"_1960":9223,"_1949":9224},"navigate all your responsibilities",[],{},{"_1947":1957,"_1958":9226,"_1960":9227,"_1949":9228}," and ensure that you comply with UK legislation. ",[],{},{"_1947":1953,"_1949":9230,"_49":9231},{},[9232,9236,9244],{"_1947":1957,"_1958":9233,"_1960":9234,"_1949":9235},"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 ",[],{},{"_1947":2292,"_1949":9237,"_49":9239},{"_2283":9238},"/business/making-tax-digital",[9240],{"_1947":1957,"_1958":9241,"_1960":9242,"_1949":9243},"here",[],{},{"_1947":1957,"_1958":9245,"_1960":9246,"_1949":9247},". 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",[],{},{"_1947":1953,"_1949":9962,"_49":9963},{},[9964],{"_1947":1957,"_1958":9965,"_1960":9966,"_1949":9967},"To apply, you'll need to live in the UK, be over 18, and either have a UK-based business or plan to start one. The loan term is 1-5 years at a fixed interest rate of 7.5%, and your company must have been trading for less than 60 months.",[],{},{"_1947":1953,"_1949":9969,"_49":9970},{},[9971],{"_1947":1957,"_1958":9972,"_1960":9973,"_1949":9974},"As part of the scheme, the government offers 12 months of free mentoring to help your business too. 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Another common mistake is submitting several credit applications within a couple of months.",[],{},{"_1793":10094,"_1798":10097,"_1837":10107},{"_1795":10095,"_1805":10096},[],[],{"_1808":10098,"_13":1813,"_1803":7201,"_1815":10100,"_1820":1985,"_1822":10102,"_1824":10103,"_1826":10103,"_1827":10104,"_1829":6999,"_1779":10105,"_1835":1836},{"_1798":10099},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10101},{"_13":1800,"_1801":1818,"_1803":2362},"2023-05-16T14:33:24.444Z","2026-04-29T09:42:14.338Z","2023-05-18T15:43:02.112Z",{"_1798":10106},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10108,"_1840":1841,"_1990":4183,"_2373":10109,"_2448":1786},"Platinum - Business current accounts - Author",{"_4185":4186,"_4187":4188,"_4193":7311},{"_1793":10111,"_1798":10114,"_1837":10125},{"_1795":10112,"_1805":10113},[],[],{"_1808":10115,"_13":1813,"_1803":3652,"_1815":10117,"_1820":1830,"_1822":10119,"_1824":10120,"_1826":10120,"_1827":10121,"_1829":10122,"_1779":10123,"_1835":1836},{"_1798":10116},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10118},{"_13":1800,"_1801":1818,"_1803":2362},"2023-06-16T09:01:55.991Z","2026-05-20T12:49:40.454Z","2023-06-16T10:34:55.450Z",88,{"_1798":10124},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10126,"_1840":1841,"_1990":5910,"_2373":10127,"_2448":1786},"Platinum - Business - Business credit cards - sticky nav",{"_5912":10128},[10129,10132,10134,10137,10140,10142,10143],{"_1819":10130,"_47":10131,"_1803":3661},"Platinum - Business credit cards - What is ","The basics",{"_1819":10133,"_47":6954,"_1803":3667},"Platinum - Business credit cards - Eligibility ",{"_1819":10135,"_47":10136},"Platinum - Business credit cards - Key things to consider","Things to consider",{"_1819":10138,"_47":10139},"Platinum - Business - Business credit cards - 6 key steps","How to apply",{"_1819":7854,"_47":10141,"_1803":3688},"Pros & cons",{"_1819":6309,"_47":5932,"_1803":3707},{"_1819":10144,"_47":8397,"_1803":3710},"Platinum - Business - Business cards - Related Guides",{"_1793":10146,"_1798":10149,"_1837":10160},{"_1795":10147,"_1805":10148},[],[],{"_1808":10150,"_13":1813,"_1803":7113,"_1815":10152,"_1820":4232,"_1822":10154,"_1824":10155,"_1826":10155,"_1827":10156,"_1829":10157,"_1779":10158,"_1835":1836},{"_1798":10151},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10153},{"_13":1800,"_1801":1818,"_1803":1980},"2026-04-02T12:01:13.630Z","2026-05-16T13:18:04.309Z","2026-04-08T14:21:24.224Z",179,{"_1798":10159},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10161,"_1840":1841,"_1990":1991,"_2142":10162,"_49":10177},"How much will a business loan cost?",{"_1949":10163,"_49":10164,"_1947":1948},{},[10165,10171],{"_1949":10166,"_49":10167,"_1947":2332},{},[10168],{"_1949":10169,"_1960":10170,"_1958":10161,"_1947":1957},{},[],{"_1949":10172,"_49":10173,"_1947":1953},{},[10174],{"_1949":10175,"_1960":10176,"_1958":9,"_1947":1957},{},[],{"_1947":1948,"_1949":10178,"_49":10179},{},[10180,10187,10194,10227,10234,10241,10247,10253,10260,10267,10273],{"_1947":1953,"_1949":10181,"_49":10182},{},[10183],{"_1947":1957,"_1958":10184,"_1960":10185,"_1949":10186},"Before getting a business loan, it's important to understand how much it will the total cost will be, including the interest you'll pay. ",[],{},{"_1947":1953,"_1949":10188,"_49":10189},{},[10190],{"_1947":1957,"_1958":10191,"_1960":10192,"_1949":10193},"The amount your business can borrow will depend on a range of factors, including: ",[],{},{"_1947":2801,"_1949":10195,"_49":10196},{},[10197,10207,10217],{"_1947":2805,"_1949":10198,"_49":10199},{},[10200],{"_1947":1953,"_1949":10201,"_49":10202},{},[10203],{"_1947":1957,"_1958":10204,"_1960":10205,"_1949":10206},"Your business credit history",[],{},{"_1947":2805,"_1949":10208,"_49":10209},{},[10210],{"_1947":1953,"_1949":10211,"_49":10212},{},[10213],{"_1947":1957,"_1958":10214,"_1960":10215,"_1949":10216},"Business turnover ",[],{},{"_1947":2805,"_1949":10218,"_49":10219},{},[10220],{"_1947":1953,"_1949":10221,"_49":10222},{},[10223],{"_1947":1957,"_1958":10224,"_1960":10225,"_1949":10226},"Length of loan",[],{},{"_1947":1953,"_1949":10228,"_49":10229},{},[10230],{"_1947":1957,"_1958":10231,"_1960":10232,"_1949":10233},"For smaller businesses, lenders will typically offer loans worth up to £500,000. ",[],{},{"_1947":1953,"_1949":10235,"_49":10236},{},[10237],{"_1947":1957,"_1958":10238,"_1960":10239,"_1949":10240},"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.",[],{},{"_1947":2002,"_1949":10242,"_49":10246},{"_1997":10243},{"_1798":10244},{"_1803":10245,"_13":1800,"_1801":1813},"7tKpJDd821BsPqlRnlCPY8",[],{"_1947":2014,"_1949":10248,"_49":10249},{},[10250],{"_1947":1957,"_1958":9,"_1960":10251,"_1949":10252},[],{},{"_1947":2014,"_1949":10254,"_49":10255},{},[10256],{"_1947":1957,"_1958":10257,"_1960":10258,"_1949":10259},"Potential repayments:",[],{},{"_1947":1953,"_1949":10261,"_49":10262},{},[10263],{"_1947":1957,"_1958":10264,"_1960":10265,"_1949":10266},"Below are three examples² of how much business loans could cost with different terms and rates:\n",[],{},{"_1947":2002,"_1949":10268,"_49":10272},{"_1997":10269},{"_1798":10270},{"_1803":10271,"_13":1800,"_1801":1813},"7CIlCIBfQ8UtN9vTm5wEsb",[],{"_1947":1953,"_1949":10274,"_49":10275},{},[10276,10280,10287],{"_1947":1957,"_1958":10277,"_1960":10278,"_1949":10279},"Use our ",[],{},{"_1947":2292,"_1949":10281,"_49":10282},{"_2283":5186},[10283],{"_1947":1957,"_1958":10284,"_1960":10285,"_1949":10286},"loan calculator",[],{},{"_1947":1957,"_1958":10288,"_1960":10289,"_1949":10290}," to find out how much a business loan could cost you each month.",[],{},{"_1793":10292,"_1798":10295,"_1837":10305},{"_1795":10293,"_1805":10294},[],[],{"_1808":10296,"_13":1813,"_1803":7077,"_1815":10298,"_1820":2084,"_1822":10300,"_1824":10301,"_1826":10301,"_1827":10302,"_1829":1821,"_1779":10303,"_1835":1836},{"_1798":10297},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10299},{"_13":1800,"_1801":1818,"_1803":2132},"2026-04-20T10:37:42.819Z","2026-04-24T16:59:23.252Z","2026-04-21T09:21:31.276Z",{"_1798":10304},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10306,"_1840":1841,"_2142":10307,"_2170":2171,"_2172":10334,"_2180":59,"_2181":16,"_2182":222},"Business loans - 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business loans - FAQ 10","Can I use a business loan for any business purpose?",{"_1949":10424,"_49":10425,"_1947":1948},{},[10426,10433,10452],{"_1949":10427,"_49":10428,"_1947":1953},{},[10429],{"_1949":10430,"_1960":10431,"_1958":10432,"_1947":1957},{},[],"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. ",{"_1949":10434,"_49":10435,"_1947":1953},{},[10436,10440,10448],{"_1949":10437,"_1960":10438,"_1958":10439,"_1947":1957},{},[],"For example, equipment financing must be used specifically to buy equipment, commercial mortgages are limited to purchasing or refinancing property, and ",{"_1949":10441,"_49":10443,"_1947":2292},{"_2283":10442},"https://www.money.co.uk/business/business-loans/invoice-finance",[10444],{"_1949":10445,"_1960":10446,"_1958":10447,"_1947":1957},{},[],"invoice financing",{"_1949":10449,"_1960":10450,"_1958":10451,"_1947":1957},{},[]," 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. ",{"_1949":10453,"_49":10454,"_1947":1953},{},[10455],{"_1949":10456,"_1960":10457,"_1958":10458,"_1947":1957},{},[],"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":10460,"_1798":10463,"_1837":10473},{"_1795":10461,"_1805":10462},[],[],{"_1808":10464,"_13":1813,"_1803":5929,"_1815":10466,"_1820":2968,"_1822":10468,"_1824":10469,"_1826":10469,"_1827":10470,"_1829":4174,"_1779":10471,"_1835":1836},{"_1798":10465},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10467},{"_13":1800,"_1801":1818,"_1803":1980},"2025-02-11T13:22:52.451Z","2026-04-29T09:42:14.783Z","2025-02-11T18:10:21.064Z",{"_1798":10472},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5927,"_1840":1841,"_1990":1991,"_2142":10474,"_49":10490},{"_1949":10475,"_49":10476,"_1947":1948},{},[10477,10484],{"_1949":10478,"_49":10479,"_1947":2332},{},[10480],{"_1949":10481,"_1960":10482,"_1958":10483,"_1947":1957},{},[],"What do you need to open a business bank account?",{"_1949":10485,"_49":10486,"_1947":1953},{},[10487],{"_1949":10488,"_1960":10489,"_1958":9,"_1947":1957},{},[],{"_1947":1948,"_1949":10491,"_49":10492},{},[10493,10500,10562],{"_1947":1953,"_1949":10494,"_49":10495},{},[10496],{"_1947":1957,"_1958":10497,"_1960":10498,"_1949":10499},"Most providers will ask for the following before your account can be opened:",[],{},{"_1947":2801,"_1949":10501,"_49":10502},{},[10503,10518,10533,10548],{"_1947":2805,"_1949":10504,"_49":10505},{},[10506],{"_1947":1953,"_1949":10507,"_49":10508},{},[10509,10514],{"_1947":1957,"_1958":10510,"_1960":10511,"_1949":10513},"Proof of identity",[10512],{"_13":2815},{},{"_1947":1957,"_1958":10515,"_1960":10516,"_1949":10517}," - a valid passport, driving licence, or national ID card",[],{},{"_1947":2805,"_1949":10519,"_49":10520},{},[10521],{"_1947":1953,"_1949":10522,"_49":10523},{},[10524,10529],{"_1947":1957,"_1958":10525,"_1960":10526,"_1949":10528},"Proof of address",[10527],{"_13":2815},{},{"_1947":1957,"_1958":10530,"_1960":10531,"_1949":10532}," - a utility bill, mortgage statement, or council tax bill dated within the last three months",[],{},{"_1947":2805,"_1949":10534,"_49":10535},{},[10536],{"_1947":1953,"_1949":10537,"_49":10538},{},[10539,10544],{"_1947":1957,"_1958":10540,"_1960":10541,"_1949":10543},"Business documentation",[10542],{"_13":2815},{},{"_1947":1957,"_1958":10545,"_1960":10546,"_1949":10547}," - a registration certificate and articles of association for limited companies; a partnership agreement if applicable",[],{},{"_1947":2805,"_1949":10549,"_49":10550},{},[10551],{"_1947":1953,"_1949":10552,"_49":10553},{},[10554,10558],{"_1947":1957,"_1958":8878,"_1960":10555,"_1949":10557},[10556],{"_13":2815},{},{"_1947":1957,"_1958":10559,"_1960":10560,"_1949":10561}," - details of personal and business income, assets, and liabilities",[],{},{"_1947":1953,"_1949":10563,"_49":10564},{},[10565],{"_1947":1957,"_1958":10566,"_1960":10567,"_1949":10568},"Most providers let you apply online in minutes, though approval times vary; anywhere from instant to a few days depending on the provider.",[],{},{"_1793":10570,"_1798":10573,"_1837":10583},{"_1795":10571,"_1805":10572},[],[],{"_1808":10574,"_13":1813,"_1803":2240,"_1815":10576,"_1820":2111,"_1822":10578,"_1824":10579,"_1826":10579,"_1827":10580,"_1829":3893,"_1779":10581,"_1835":1836},{"_1798":10575},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10577},{"_13":1800,"_1801":1818,"_1803":6763},"2023-11-02T15:38:56.139Z","2025-12-02T09:45:08.783Z","2023-11-02T16:14:43.099Z",{"_1798":10582},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10584,"_1840":1841,"_6772":10049,"_1819":10585,"_6774":10586,"_6776":10587,"_6780":10590},"Kyle Eaton","/authors/kyle-eaton","https://www.linkedin.com/in/kyle-eaton-a24b32119",{"_1798":10588},{"_13":1800,"_1801":2052,"_1803":10589},"7kDDkLUSydi6zXVfy24vL7",{"_1949":10591,"_49":10592,"_1947":1948},{},[10593],{"_1949":10594,"_49":10595,"_1947":1953},{},[10596],{"_1949":10597,"_1960":10598,"_1958":10599,"_1947":1957},{},[],"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":10601,"_1798":10604,"_1837":10614},{"_1795":10602,"_1805":10603},[],[],{"_1808":10605,"_13":1813,"_1803":10002,"_1815":10607,"_1820":1985,"_1822":10609,"_1824":10610,"_1826":10610,"_1827":10611,"_1829":2785,"_1779":10612,"_1835":1836},{"_1798":10606},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10608},{"_13":1800,"_1801":1818,"_1803":2362},"2025-07-17T14:35:22.912Z","2026-05-16T13:18:03.986Z","2025-07-17T14:39:18.747Z",{"_1798":10613},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10615,"_1840":1841,"_1990":10616,"_2373":10617,"_2448":1786},"government-backed Start Up Loans","stat-snippet",{"_1944":10618,"_10619":10620,"_10622":10623},"Number of government-backed Start Up Loans have been delivered since 2012","stat",{"_10619":10621},"125,000","superscriptTag",{"_10624":10625,"_28":5173},"word","[1]",{"_1793":10627,"_1798":10630,"_1837":10640},{"_1795":10628,"_1805":10629},[],[],{"_1808":10631,"_13":1813,"_1803":2246,"_1815":10633,"_1820":2265,"_1822":10635,"_1824":10636,"_1826":10636,"_1827":10637,"_1829":1939,"_1779":10638,"_1835":1836},{"_1798":10632},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10634},{"_13":1800,"_1801":1818,"_1803":1871},"2023-11-15T12:12:48.396Z","2025-12-01T20:30:11.458Z","2023-11-15T12:12:58.308Z",{"_1798":10639},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":3978,"_1840":1841},{"_1793":10642,"_1798":10645,"_1837":10654},{"_1795":10643,"_1805":10644},[],[],{"_1808":10646,"_13":1813,"_1803":4429,"_1815":10648,"_1820":2534,"_1822":10650,"_1824":10651,"_1826":10651,"_1827":10651,"_1829":2213,"_1779":10652,"_1835":1836},{"_1798":10647},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10649},{"_13":1800,"_1801":1818,"_1803":7034},"2025-09-04T09:33:53.521Z","2025-09-04T09:34:10.455Z",{"_1798":10653},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10655,"_6776":10656,"_7048":10659,"_1840":1841},"Business credit score definition card",{"_1798":10657},{"_13":1800,"_1801":2052,"_1803":10658},"z9TkT6tXtNVNzSfC7mehF","Graphic",{"_1793":10661,"_1798":10664,"_1837":10674},{"_1795":10662,"_1805":10663},[],[],{"_1808":10665,"_13":1813,"_1803":3782,"_1815":10667,"_1820":3757,"_1822":10669,"_1824":10670,"_1826":10670,"_1827":10671,"_1829":2137,"_1779":10672,"_1835":1836},{"_1798":10666},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10668},{"_13":1800,"_1801":1818,"_1803":1934},"2025-04-10T09:54:53.959Z","2026-03-17T18:20:52.124Z","2025-04-17T12:53:00.281Z",{"_1798":10673},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10675,"_1944":10676,"_49":10677,"_1840":1841},"Submit your application","4. Submit your application",{"_1947":1948,"_1949":10678,"_49":10679},{},[10680,10687],{"_1947":1953,"_1949":10681,"_49":10682},{},[10683],{"_1947":1957,"_1958":10684,"_1960":10685,"_1949":10686},"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. ",[],{},{"_1947":1953,"_1949":10688,"_49":10689},{},[10690],{"_1947":1957,"_1958":10691,"_1960":10692,"_1949":10693},"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":10695,"_1798":10698,"_1837":10708},{"_1795":10696,"_1805":10697},[],[],{"_1808":10699,"_13":1813,"_1803":9595,"_1815":10701,"_1820":2213,"_1822":10703,"_1824":10704,"_1826":10704,"_1827":10705,"_1829":5901,"_1779":10706,"_1835":1836},{"_1798":10700},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10702},{"_13":1800,"_1801":1818,"_1803":2362},"2026-03-24T12:08:34.302Z","2026-04-29T09:42:13.922Z","2026-03-24T13:58:31.613Z",{"_1798":10707},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10709,"_1840":1841,"_1990":7780,"_2373":10710,"_2448":1786,"_49":10717},"Business bank account forced journey call out card",{"_6868":10711,"_7785":7786,"_147":10713,"_2142":10716,"_1990":9,"_7791":7792},{"_1957":10712,"_7784":59,"_1990":6751},"💷 See how much you could save",{"_34":10714,"_1957":10715},"https://www.money.co.uk/business/bank-accounts/results","See bank accounts","An easier way to open a business bank account",{"_1949":10718,"_49":10719,"_1947":1948},{},[10720,10753],{"_1949":10721,"_49":10722,"_1947":2801},{},[10723,10733,10743],{"_1949":10724,"_49":10725,"_1947":2805},{},[10726],{"_1949":10727,"_49":10728,"_1947":1953},{},[10729],{"_1949":10730,"_1960":10731,"_1958":10732,"_1947":1957},{},[],"Compare accounts from leading UK providers.",{"_1949":10734,"_49":10735,"_1947":2805},{},[10736],{"_1949":10737,"_49":10738,"_1947":1953},{},[10739],{"_1949":10740,"_1960":10741,"_1958":10742,"_1947":1957},{},[],"Find the right fit for your business, free of charge.",{"_1949":10744,"_49":10745,"_1947":2805},{},[10746],{"_1949":10747,"_49":10748,"_1947":1953},{},[10749],{"_1949":10750,"_1960":10751,"_1958":10752,"_1947":1957},{},[],"Open an account in as little as one working day.",{"_1949":10754,"_49":10755,"_1947":1953},{},[10756],{"_1949":10757,"_1960":10758,"_1958":9,"_1947":1957},{},[],{"_1793":10760,"_1798":10763,"_1837":10773},{"_1795":10761,"_1805":10762},[],[],{"_1808":10764,"_13":1813,"_1803":3682,"_1815":10766,"_1820":2265,"_1822":10768,"_1824":10769,"_1826":10769,"_1827":10770,"_1829":3577,"_1779":10771,"_1835":1836},{"_1798":10765},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10767},{"_13":1800,"_1801":1818,"_1803":2362},"2025-11-27T16:11:28.094Z","2026-03-11T19:29:46.913Z","2025-11-27T16:55:08.060Z",{"_1798":10772},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10774,"_1840":1841,"_1990":10775,"_2373":10776,"_2448":1786,"_2687":10785},"Platinum - Business credit cards - CTA 2","credit-card-finder-module-low-prominence",{"_1944":10777,"_10778":10779,"_10780":10781,"_1819":10782,"_10783":10784},"Find a company credit card today","subtitle","See the latest offers available from a range of trusted UK providers.","buttonText","Search now","/business/business-credit-cards/results","logosOverrideOrder",[],{"_1798":10786},{"_13":1800,"_1801":1813,"_1803":4244},{"_1793":10788,"_1798":10793,"_1837":10803},{"_1795":10789,"_1805":10792},[10790],{"_1798":10791},{"_13":1800,"_1801":1802,"_1803":1804},[],{"_1808":10794,"_13":1813,"_1803":3710,"_1815":10796,"_1820":3209,"_1822":10798,"_1824":10799,"_1826":10799,"_1827":10800,"_1829":7724,"_1779":10801,"_1835":1836},{"_1798":10795},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10797},{"_13":1800,"_1801":1818,"_1803":2362},"2023-06-12T11:46:36.324Z","2026-02-17T12:06:38.786Z","2023-06-13T11:12:47.181Z",{"_1798":10802},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10144,"_1840":1841,"_1990":3444,"_2373":10804,"_2448":59},{"_1944":10805,"_2444":10806,"_3448":10807,"_3450":10808,"_3452":10809,"_3460":10811},"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",{"_3454":10810,"_3183":4938,"_1944":4938,"_3458":4935},"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",[10812,10817],{"_3454":10813,"_3183":10814,"_1944":10814,"_3458":10815,"_3467":10816},"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.",{"_3454":10818,"_3183":10819,"_1944":10819,"_3458":3353,"_3467":10820},"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":10822,"_1798":10825,"_1837":10834},{"_1795":10823,"_1805":10824},[],[],{"_1808":10826,"_13":1813,"_1803":3693,"_1815":10828,"_1820":2534,"_1822":10830,"_1824":10831,"_1826":10831,"_1827":10831,"_1829":3209,"_1779":10832,"_1835":1836},{"_1798":10827},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10829},{"_13":1800,"_1801":1818,"_1803":1980},"2026-05-11T15:33:45.410Z","2026-05-11T15:42:32.181Z",{"_1798":10833},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10835,"_1840":1841,"_1990":1991,"_2142":10836,"_49":10851},"What costs should I consider before applying?",{"_1949":10837,"_49":10838,"_1947":1948},{},[10839,10845],{"_1949":10840,"_49":10841,"_1947":2332},{},[10842],{"_1949":10843,"_1960":10844,"_1958":10835,"_1947":1957},{},[],{"_1949":10846,"_49":10847,"_1947":1953},{},[10848],{"_1949":10849,"_1960":10850,"_1958":9,"_1947":1957},{},[],{"_1949":10852,"_49":10853,"_1947":1948},{},[10854,10861,10909],{"_1949":10855,"_49":10856,"_1947":1953},{},[10857],{"_1949":10858,"_1960":10859,"_1958":10860,"_1947":1957},{},[],"Before applying for your business credit card, it’s important to think about:",{"_1949":10862,"_49":10863,"_1947":2801},{},[10864,10879,10894],{"_1949":10865,"_49":10866,"_1947":2805},{},[10867],{"_1949":10868,"_49":10869,"_1947":1953},{},[10870,10875],{"_1949":10871,"_1960":10872,"_1958":10874,"_1947":1957},{},[10873],{"_13":2815},"Annual fees",{"_1949":10876,"_1960":10877,"_1958":10878,"_1947":1957},{},[]," – make sure the value of the rewards outweighs any fees.",{"_1949":10880,"_49":10881,"_1947":2805},{},[10882],{"_1949":10883,"_49":10884,"_1947":1953},{},[10885,10890],{"_1949":10886,"_1960":10887,"_1958":10889,"_1947":1957},{},[10888],{"_13":2815},"Interest rates",{"_1949":10891,"_1960":10892,"_1958":10893,"_1947":1957},{},[]," – carrying a balance can quickly negate your rewards.",{"_1949":10895,"_49":10896,"_1947":2805},{},[10897],{"_1949":10898,"_49":10899,"_1947":1953},{},[10900,10905],{"_1949":10901,"_1960":10902,"_1958":10904,"_1947":1957},{},[10903],{"_13":2815},"Reward terms",{"_1949":10906,"_1960":10907,"_1958":10908,"_1947":1957},{},[]," – check for expiry dates, restrictions, or tax implications.",{"_1949":10910,"_49":10911,"_1947":1953},{},[10912],{"_1949":10913,"_1960":10914,"_1958":10915,"_1947":1957},{},[],"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":10917,"_1798":10920,"_1837":10929},{"_1795":10918,"_1805":10919},[],[],{"_1808":10921,"_13":1813,"_1803":3676,"_1815":10923,"_1820":2042,"_1822":10925,"_1824":10926,"_1779":10927,"_1835":1836},{"_1798":10922},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":10924},{"_13":1800,"_1801":1818,"_1803":1980},"2026-05-20T16:15:12.272Z","2026-05-22T08:47:19.787Z",{"_1798":10928},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":10930,"_1840":1841,"_1990":1991,"_2142":10931,"_49":10946},"Key things to consider when comparing business credit cards",{"_1949":10932,"_49":10933,"_1947":1948},{},[10934,10940],{"_1949":10935,"_49":10936,"_1947":2332},{},[10937],{"_1949":10938,"_1960":10939,"_1958":10930,"_1947":1957},{},[],{"_1949":10941,"_49":10942,"_1947":1953},{},[10943],{"_1949":10944,"_1960":10945,"_1958":9,"_1947":1957},{},[],{"_1947":1948,"_1949":10947,"_49":10948},{},[10949,10963,10970,10984,10991,11005,11012,11026,11033,11047,11054],{"_1947":2801,"_1949":10950,"_49":10951},{},[10952],{"_1947":2805,"_1949":10953,"_49":10954},{},[10955],{"_1947":1953,"_1949":10956,"_49":10957},{},[10958],{"_1947":1957,"_1958":10959,"_1960":10960,"_1949":10962},"APR (Annual Percentage Rate)",[10961],{"_13":2815},{},{"_1947":1953,"_1949":10964,"_49":10965},{},[10966],{"_1947":1957,"_1958":10967,"_1960":10968,"_1949":10969},"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.",[],{},{"_1947":2801,"_1949":10971,"_49":10972},{},[10973],{"_1947":2805,"_1949":10974,"_49":10975},{},[10976],{"_1947":1953,"_1949":10977,"_49":10978},{},[10979],{"_1947":1957,"_1958":10980,"_1960":10981,"_1949":10983},"Rewards and perks",[10982],{"_13":2815},{},{"_1947":1953,"_1949":10985,"_49":10986},{},[10987],{"_1947":1957,"_1958":10988,"_1960":10989,"_1949":10990},"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.",[],{},{"_1947":2801,"_1949":10992,"_49":10993},{},[10994],{"_1947":2805,"_1949":10995,"_49":10996},{},[10997],{"_1947":1953,"_1949":10998,"_49":10999},{},[11000],{"_1947":1957,"_1958":11001,"_1960":11002,"_1949":11004},"Credit limits",[11003],{"_13":2815},{},{"_1947":1953,"_1949":11006,"_49":11007},{},[11008],{"_1947":1957,"_1958":11009,"_1960":11010,"_1949":11011},"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.",[],{},{"_1947":2801,"_1949":11013,"_49":11014},{},[11015],{"_1947":2805,"_1949":11016,"_49":11017},{},[11018],{"_1947":1953,"_1949":11019,"_49":11020},{},[11021],{"_1947":1957,"_1958":11022,"_1960":11023,"_1949":11025},"Interest-free period",[11024],{"_13":2815},{},{"_1947":1953,"_1949":11027,"_49":11028},{},[11029],{"_1947":1957,"_1958":11030,"_1960":11031,"_1949":11032},"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.",[],{},{"_1947":2801,"_1949":11034,"_49":11035},{},[11036],{"_1947":2805,"_1949":11037,"_49":11038},{},[11039],{"_1947":1953,"_1949":11040,"_49":11041},{},[11042],{"_1947":1957,"_1958":11043,"_1960":11044,"_1949":11046},"Extras",[11045],{"_13":2815},{},{"_1947":1953,"_1949":11048,"_49":11049},{},[11050],{"_1947":1957,"_1958":11051,"_1960":11052,"_1949":11053},"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.",[],{},{"_1947":1953,"_1949":11055,"_49":11056},{},[11057],{"_1947":1957,"_1958":11058,"_1960":11059,"_1949":11061},"APRs and offers are subject to change. Always verify current rates and terms directly with the provider before applying.",[11060],{"_13":3072},{},{"_1793":11063,"_1798":11066,"_1837":11076},{"_1795":11064,"_1805":11065},[],[],{"_1808":11067,"_13":1813,"_1803":8314,"_1815":11069,"_1820":2261,"_1822":11071,"_1824":11072,"_1826":11072,"_1827":11073,"_1829":1935,"_1779":11074,"_1835":1836},{"_1798":11068},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":11070},{"_13":1800,"_1801":1818,"_1803":7575},"2020-05-05T13:37:57.075Z","2025-06-12T13:31:15.644Z","2020-05-05T13:38:05.870Z",{"_1798":11075},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5553,"_1840":1841},"6NT2a7b5Kxu8Mhtz4QjF92",{"_1793":11079,"_1798":11082,"_1837":11092},{"_1795":11080,"_1805":11081},[],[],{"_1808":11083,"_13":1813,"_1803":11077,"_1815":11085,"_1820":2084,"_1822":11087,"_1824":11088,"_1826":11088,"_1827":11089,"_1829":1935,"_1779":11090,"_1835":1836},{"_1798":11084},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":11086},{"_13":1800,"_1801":1818,"_1803":147},"2024-08-14T15:17:47.842Z","2024-12-16T11:25:30.835Z","2024-08-16T08:37:02.952Z",{"_1798":11091},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":11093,"_28":304,"_1957":9888,"_1990":6751,"_11094":11095,"_1840":1841},"Compare Business credit cards - CTA - CTA Button","size","small","6QJ7np81otHs6q8WKkPzgs",{"_1793":11098,"_1798":11103,"_1837":11112},{"_1795":11099,"_1805":11102},[11100],{"_1798":11101},{"_13":1800,"_1801":1802,"_1803":1804},[],{"_1808":11104,"_13":1813,"_1803":11096,"_1815":11106,"_1820":2534,"_1822":11108,"_1824":11109,"_1826":11109,"_1827":11109,"_1829":2261,"_1779":11110,"_1835":1836},{"_1798":11105},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":11107},{"_13":1800,"_1801":1818,"_1803":7034},"2024-12-17T12:15:21.783Z","2024-12-20T10:30:04.855Z",{"_1798":11111},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":11113,"_6776":11114,"_7045":11117,"_2180":59,"_7047":59,"_7048":7049,"_1840":1841},"Business - Guides - Business credit scores explained - Image module (Business guide template)",{"_1798":11115},{"_13":1800,"_1801":2052,"_1803":11116},"2xj3gmyRB2NfM7YvtnQedj","Lenders and investors use your credit score to determine whether they are willing to let you borrow money or if they want to invest money in your business.",{"_1793":11119,"_1798":11122,"_1837":11131},{"_1795":11120,"_1805":11121},[],[],{"_1808":11123,"_13":1813,"_1803":3664,"_1815":11125,"_1820":2042,"_1822":11127,"_1824":11128,"_1779":11129,"_1835":1836},{"_1798":11124},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":11126},{"_13":1800,"_1801":1818,"_1803":1980},"2026-05-20T15:32:19.890Z","2026-05-20T15:48:01.858Z",{"_1798":11130},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":11132,"_1840":1841,"_1990":1991,"_2142":11133,"_49":11148},"How do business credit cards work?",{"_1949":11134,"_49":11135,"_1947":1948},{},[11136,11142],{"_1949":11137,"_49":11138,"_1947":2332},{},[11139],{"_1949":11140,"_1960":11141,"_1958":11132,"_1947":1957},{},[],{"_1949":11143,"_49":11144,"_1947":1953},{},[11145],{"_1949":11146,"_1960":11147,"_1958":9,"_1947":1957},{},[],{"_1947":1948,"_1949":11149,"_49":11150},{},[11151,11158,11165,11172,11179,11186],{"_1947":2014,"_1949":11152,"_49":11153},{},[11154],{"_1947":1957,"_1958":11155,"_1960":11156,"_1949":11157},"1. Compare and choose a card",[],{},{"_1947":1953,"_1949":11159,"_49":11160},{},[11161],{"_1947":1957,"_1958":11162,"_1960":11163,"_1949":11164},"Compare credit cards and find the right card that suits your business needs.",[],{},{"_1947":2014,"_1949":11166,"_49":11167},{},[11168],{"_1947":1957,"_1958":11169,"_1960":11170,"_1949":11171},"2. Apply for your card",[],{},{"_1947":1953,"_1949":11173,"_49":11174},{},[11175],{"_1947":1957,"_1958":11176,"_1960":11177,"_1949":11178},"Applying for a credit card can take just minutes with some applications. ",[],{},{"_1947":2014,"_1949":11180,"_49":11181},{},[11182],{"_1947":1957,"_1958":11183,"_1960":11184,"_1949":11185},"3. 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Here are three factors to consider:",[],{},{"_1947":2801,"_1949":11763,"_49":11764},{},[11765,11780,11795],{"_1947":2805,"_1949":11766,"_49":11767},{},[11768],{"_1947":1953,"_1949":11769,"_49":11770},{},[11771,11776],{"_1947":1957,"_1958":11772,"_1960":11773,"_1949":11775},"Spread payments: ",[11774],{"_13":2815},{},{"_1947":1957,"_1958":11777,"_1960":11778,"_1949":11779},"If you plan to carry a balance, focus on cards with a low APR to keep interest costs down. Look for 0% introductory offers, check how long the low-rate period lasts, and be aware of any balance transfer fees. Ideal for larger or irregular purchases.",[],{},{"_1947":2805,"_1949":11781,"_49":11782},{},[11783],{"_1947":1953,"_1949":11784,"_49":11785},{},[11786,11791],{"_1947":1957,"_1958":11787,"_1960":11788,"_1949":11790},"Spend regularly:",[11789],{"_13":2815},{},{"_1947":1957,"_1958":11792,"_1960":11793,"_1949":11794}," For frequent purchases, choose a card with a long interest-free period. 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",[],{},{"_1947":1953,"_1949":12404,"_49":12405},{},[12406,12410,12417],{"_1947":1957,"_1958":12407,"_1960":12408,"_1949":12409},"To improve your approval chances, check the provider’s specific criteria and consider using an eligibility checker to avoid impacting your ",[],{},{"_1947":2292,"_1949":12411,"_49":12412},{"_2283":6555},[12413],{"_1947":1957,"_1958":12414,"_1960":12415,"_1949":12416},"credit score",[],{},{"_1947":1957,"_1958":2488,"_1960":12418,"_1949":12419},[],{},{"_1947":2002,"_1949":12421,"_49":12424},{"_1997":12422},{"_1798":12423},{"_1803":11391,"_13":1800,"_1801":1813},[],{"_1947":1953,"_1949":12426,"_49":12427},{},[12428],{"_1947":1957,"_1958":9,"_1960":12429,"_1949":12430},[],{},{"_1793":12432,"_1798":12435,"_1837":12446},{"_1795":12433,"_1805":12434},[],[],{"_1808":12436,"_13":1813,"_1803":5557,"_1815":12438,"_1820":3793,"_1822":12440,"_1824":12441,"_1826":12441,"_1827":12442,"_1829":12443,"_1779":12444,"_1835":1836},{"_1798":12437},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12439},{"_13":1800,"_1801":1818,"_1803":5586},"2020-03-10T16:17:30.214Z","2025-07-08T13:26:36.106Z","2020-03-10T16:18:00.383Z",75,{"_1798":12445},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12447,"_1840":1841,"_5596":12448,"_5597":455,"_5598":12449},"Business INS comparison - Money home - Parent","Business Insurance",{"_1798":12450},{"_13":1800,"_1801":1813,"_1803":5601},{"_1793":12452,"_1798":12455,"_1837":12466},{"_1795":12453,"_1805":12454},[],[],{"_1808":12456,"_13":1813,"_1803":7218,"_1815":12458,"_1820":3524,"_1822":12460,"_1824":12461,"_1826":12461,"_1827":12462,"_1829":12463,"_1779":12464,"_1835":1836},{"_1798":12457},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12459},{"_13":1800,"_1801":1818,"_1803":2132},"2024-12-17T15:12:01.705Z","2026-04-29T09:42:14.500Z","2024-12-17T15:41:08.064Z",58,{"_1798":12465},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12467,"_1840":1841,"_2142":12468,"_2170":12484,"_2172":12485,"_2180":59,"_6750":6751},"SME Case Studies - Collection Module",{"_1949":12469,"_49":12470,"_1947":1948},{},[12471,12478],{"_1949":12472,"_49":12473,"_1947":2332},{},[12474],{"_1949":12475,"_1960":12476,"_1958":12477,"_1947":1957},{},[],"Business success stories",{"_1949":12479,"_49":12480,"_1947":1953},{},[12481],{"_1949":12482,"_1960":12483,"_1958":9,"_1947":1957},{},[],"pills",[12486,12488,12490],{"_1798":12487},{"_13":1800,"_1801":1813,"_1803":2096},{"_1798":12489},{"_13":1800,"_1801":1813,"_1803":4195},{"_1798":12491},{"_13":1800,"_1801":1813,"_1803":3783},{"_1793":12493,"_1798":12496,"_1837":12506},{"_1795":12494,"_1805":12495},[],[],{"_1808":12497,"_13":1813,"_1803":6333,"_1815":12499,"_1820":2111,"_1822":12501,"_1824":12502,"_1826":12502,"_1827":12503,"_1829":3970,"_1779":12504,"_1835":1836},{"_1798":12498},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12500},{"_13":1800,"_1801":1818,"_1803":1934},"2025-04-10T09:32:04.600Z","2026-04-01T10:16:10.601Z","2025-04-17T12:54:41.054Z",{"_1798":12505},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12507,"_1944":12508,"_49":12509,"_1840":1841},"Platinum - Business - Business Credit Cards - More than one","Is it worth having more than one business credit card?",{"_1947":1948,"_1949":12510,"_49":12511},{},[12512,12519,12538,12545,12552,12560,12579,12621],{"_1947":1953,"_1949":12513,"_49":12514},{},[12515],{"_1947":1957,"_1958":12516,"_1960":12517,"_1949":12518},"The number of business credit cards you need depends on your business’s spending habits and financial goals. ",[],{},{"_1947":1953,"_1949":12520,"_49":12521},{},[12522,12526,12534],{"_1947":1957,"_1958":12523,"_1960":12524,"_1949":12525},"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",[],{},{"_1947":2292,"_1949":12527,"_49":12529},{"_2283":12528},"https://www.money.co.uk/business/guides/how-to-improve-cash-flow",[12530],{"_1947":1957,"_1958":12531,"_1960":12532,"_1949":12533}," improve cash flow",[],{},{"_1947":1957,"_1958":12535,"_1960":12536,"_1949":12537}," by spreading out payment due dates.",[],{},{"_1947":1953,"_1949":12539,"_49":12540},{},[12541],{"_1947":1957,"_1958":12542,"_1960":12543,"_1949":12544},"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. ",[],{},{"_1947":1953,"_1949":12546,"_49":12547},{},[12548],{"_1947":1957,"_1958":12549,"_1960":12550,"_1949":12551},"Ultimately, the best approach is to choose the number of cards that fits your business needs and financial management capabilities. ",[],{},{"_1947":1953,"_1949":12553,"_49":12554},{},[12555],{"_1947":1957,"_1958":12556,"_1960":12557,"_1949":12559},"Tax deductions",[12558],{"_13":2815},{},{"_1947":1953,"_1949":12561,"_49":12562},{},[12563,12567,12575],{"_1947":1957,"_1958":12564,"_1960":12565,"_1949":12566},"Using your business credit card for ",[],{},{"_1947":2292,"_1949":12568,"_49":12570},{"_2283":12569},"https://www.money.co.uk/business/guides/business-expenses-explained",[12571],{"_1947":1957,"_1958":12572,"_1960":12573,"_1949":12574},"legitimate business expenses",[],{},{"_1947":1957,"_1958":12576,"_1960":12577,"_1949":12578},", like office supplies, travel, or client entertainment, can also help you claim tax deductions. ",[],{},{"_1947":1953,"_1949":12580,"_49":12581},{},[12582,12586,12594,12598,12606,12610,12618],{"_1947":1957,"_1958":12583,"_1960":12584,"_1949":12585},"These purchases are typically considered tax-deductible business expenses when ",[],{},{"_1947":2292,"_1949":12587,"_49":12589},{"_2283":12588},"https://www.money.co.uk/business/guides/beginners-guide-to-self-assessment",[12590],{"_1947":1957,"_1958":12591,"_1960":12592,"_1949":12593},"filing your self-assessment",[],{},{"_1947":1957,"_1958":12595,"_1960":12596,"_1949":12597}," or ",[],{},{"_1947":2292,"_1949":12599,"_49":12601},{"_2283":12600},"https://www.money.co.uk/business/guides/corporation-tax-guide",[12602],{"_1947":1957,"_1958":12603,"_1960":12604,"_1949":12605},"corporate tax return",[],{},{"_1947":1957,"_1958":12607,"_1960":12608,"_1949":12609},". To make the process easier, keep detailed records of all transactions. Credit card statements can be a useful tool for ",[],{},{"_1947":2292,"_1949":12611,"_49":12613},{"_2283":12612},"https://www.money.co.uk/business/guides/how-to-track-business-expenses",[12614],{"_1947":1957,"_1958":12615,"_1960":12616,"_1949":12617},"tracking and categorising expenses",[],{},{"_1947":1957,"_1958":9245,"_1960":12619,"_1949":12620},[],{},{"_1947":1953,"_1949":12622,"_49":12623},{},[12624,12628,12632,12640],{"_1947":1957,"_1958":12625,"_1960":12626,"_1949":12627},"I",[],{},{"_1947":1957,"_1958":12629,"_1960":12630,"_1949":12631},"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 ",[],{},{"_1947":2292,"_1949":12633,"_49":12635},{"_2283":12634},"https://www.money.co.uk/business/guides/tax-advisors-and-accountants",[12636],{"_1947":1957,"_1958":12637,"_1960":12638,"_1949":12639},"accountant or tax adviser",[],{},{"_1947":1957,"_1958":2488,"_1960":12641,"_1949":12642},[],{},{"_1793":12644,"_1798":12647,"_1837":12658},{"_1795":12645,"_1805":12646},[],[],{"_1808":12648,"_13":1813,"_1803":8350,"_1815":12650,"_1820":2968,"_1822":12652,"_1824":12653,"_1826":12653,"_1827":12654,"_1829":12655,"_1779":12656,"_1835":1836},{"_1798":12649},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12651},{"_13":1800,"_1801":1818,"_1803":8347},"2025-02-10T11:25:06.921Z","2026-05-16T13:18:03.747Z","2025-02-13T17:13:19.722Z",45,{"_1798":12657},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12659,"_1840":1841,"_1990":12660,"_2683":12661},"Business Loans forced journey test","platinum-ppc",{"_12662":12663,"_12674":12675,"_12676":12677,"_1990":12678,"_12679":12680,"_1885":12669},"steps",[12664],{"_1837":12665,"_12672":12673},[12666,12670],{"_47":12667,"_13":12668,"_1958":12669},"source","hidden","business-loans",{"_47":12671,"_13":12668,"_1958":286},"page","buttonProps",{"_5180":7789,"_1990":6751},"action",{"_6862":6931},"method","GET","simple","productId","fa532f9b-f932-4cf6-bc30-3764d59e98b8",{"_1793":12682,"_1798":12685,"_1837":12695},{"_1795":12683,"_1805":12684},[],[],{"_1808":12686,"_13":1813,"_1803":9863,"_1815":12688,"_1820":2261,"_1822":12690,"_1824":12691,"_1826":12691,"_1827":12692,"_1829":2265,"_1779":12693,"_1835":1836},{"_1798":12687},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":12689},{"_13":1800,"_1801":1818,"_1803":1934},"2026-03-20T15:11:15.849Z","2026-04-29T09:42:14.872Z","2026-03-20T16:35:30.522Z",{"_1798":12694},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":12696,"_1944":12697,"_49":12698,"_1840":1841},"BCA -- Is my money protected?","Is my money protected?",{"_1947":1948,"_1949":12699,"_49":12700},{},[12701],{"_1947":1953,"_1949":12702,"_49":12703},{},[12704,12708,12717],{"_1947":1957,"_1958":12705,"_1960":12706,"_1949":12707},"Most UK business bank accounts are protected by the ",[],{},{"_1947":2292,"_1949":12709,"_49":12711},{"_2283":12710},"https://www.fscs.org.uk/",[12712],{"_1947":1957,"_1958":12713,"_1960":12714,"_1949":12716},"FSCS",[12715],{"_13":2290},{},{"_1947":1957,"_1958":12718,"_1960":12719,"_1949":12720}," up to £120,000, provided the bank is FCA or PRA-authorised. 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Some accounts also cap how much cash you can deposit in a single day. Before committing, check that the account’s limits match your expected transaction volume.",[],{},{"_1947":1953,"_1949":12878,"_49":12879},{},[12880],{"_1947":1957,"_1958":12881,"_1960":12882,"_1949":12883},"If you find one account too restrictive, there’s nothing stopping you from holding multiple business accounts at the same time. Many businesses do this to keep operational expenses separate from tax savings, or to ring-fence revenue from different projects. 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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.",{"_1949":13182,"_49":13183,"_1947":1953},{},[13184,13188,13194],{"_1949":13185,"_1960":13186,"_1958":13187,"_1947":1957},{},[],"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. 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This enables you to track whether your credit score has changed and ensure your report contains no mistakes. 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However, as you start to pay bills on time and build relationships with suppliers and clients, you should see your credit score go up.",[],{},{"_1793":13333,"_1798":13336,"_1837":13346},{"_1795":13334,"_1805":13335},[],[],{"_1808":13337,"_13":1813,"_1803":9477,"_1815":13339,"_1820":3757,"_1822":13341,"_1824":13342,"_1826":13342,"_1827":13343,"_1829":3820,"_1779":13344,"_1835":1836},{"_1798":13338},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13340},{"_13":1800,"_1801":1818,"_1803":6115},"2020-05-12T08:27:02.179Z","2025-11-20T15:35:12.913Z","2020-05-12T08:27:28.575Z",{"_1798":13345},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13347,"_1840":1841,"_1944":13348,"_3541":13349},"Business loans guides - Related guides - 1","Related guides",[13350,13353,13356,13359],{"_1798":13351},{"_13":1800,"_1801":1813,"_1803":13352},"469CTRLVRl6vQmr838OjZr",{"_1798":13354},{"_13":1800,"_1801":1813,"_1803":13355},"77WbDn5hphfbI5bZq9PeHQ",{"_1798":13357},{"_13":1800,"_1801":1813,"_1803":13358},"7C3Q4XwmEHiCwlfUZY6c11",{"_1798":13360},{"_13":1800,"_1801":1813,"_1803":13361},"DMaaNNesAgxnDNHA4ickc",{"_1793":13363,"_1798":13366,"_1837":13376},{"_1795":13364,"_1805":13365},[],[],{"_1808":13367,"_13":1813,"_1803":7132,"_1815":13369,"_1820":2133,"_1822":13371,"_1824":13372,"_1826":13372,"_1827":13373,"_1829":2317,"_1779":13374,"_1835":1836},{"_1798":13368},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13370},{"_13":1800,"_1801":1818,"_1803":1980},"2025-02-12T12:31:29.806Z","2026-05-16T13:18:05.099Z","2025-02-13T17:13:20.036Z",{"_1798":13375},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13377,"_1840":1841,"_49":13378},"Business Finance Stat Reference",{"_1947":1948,"_1949":13379,"_49":13380},{},[13381],{"_1947":1953,"_1949":13382,"_49":13383},{},[13384,13388],{"_1947":1957,"_1958":13385,"_1960":13386,"_1949":13387},"*",[],{},{"_1947":1957,"_1958":13389,"_1960":13390,"_1949":13391},"Based on average eligibility data from trackable providers (01/05/25-31/12/25). Accurate as of 14/01/26.",[],{},{"_1793":13393,"_1798":13396,"_1837":13406},{"_1795":13394,"_1805":13395},[],[],{"_1808":13397,"_13":1813,"_1803":3696,"_1815":13399,"_1820":2265,"_1822":13401,"_1824":13402,"_1826":13402,"_1827":13403,"_1829":1981,"_1779":13404,"_1835":1836},{"_1798":13398},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13400},{"_13":1800,"_1801":1818,"_1803":2362},"2025-11-27T16:24:34.448Z","2026-03-17T18:20:52.187Z","2025-11-27T16:40:35.511Z",{"_1798":13405},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13407,"_1840":1841,"_1990":5527,"_2373":13408,"_2448":1786},"Platinum - Business Credit Cards Result Case Study 2",{"_5529":13409,"_3454":13410,"_4185":13411,"_5532":13412,"_5534":13413},"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":13415,"_1798":13418,"_1837":13428},{"_1795":13416,"_1805":13417},[],[],{"_1808":13419,"_13":1813,"_1803":3636,"_1815":13421,"_1820":3793,"_1822":13423,"_1824":13424,"_1826":13424,"_1827":13425,"_1829":5518,"_1779":13426,"_1835":1836},{"_1798":13420},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13422},{"_13":1800,"_1801":1818,"_1803":5586},"2023-06-16T10:32:39.058Z","2026-05-04T08:19:20.629Z","2023-06-16T10:34:30.152Z",{"_1798":13427},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13429,"_1840":1841,"_5596":2726,"_5597":304,"_5598":13430},"Platinum - Business Credit Cards - Hub",{"_1798":13431},{"_13":1800,"_1801":1813,"_1803":9559},{"_1793":13433,"_1798":13436,"_1837":13446},{"_1795":13434,"_1805":13435},[],[],{"_1808":13437,"_13":1813,"_1803":6495,"_1815":13439,"_1820":2084,"_1822":13441,"_1824":13442,"_1826":13442,"_1827":13443,"_1829":1821,"_1779":13444,"_1835":1836},{"_1798":13438},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13440},{"_13":1800,"_1801":1818,"_1803":4287},"2020-05-05T13:34:46.612Z","2023-04-20T12:22:30.757Z","2020-05-05T13:36:34.763Z",{"_1798":13445},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5553,"_49":13447,"_1840":1841},{"_1949":13448,"_49":13449,"_1947":1948},{},[13450,13455],{"_1949":13451,"_49":13454,"_1947":2002},{"_1997":13452},{"_1798":13453},{"_1803":11254,"_13":1800,"_1801":1813},[],{"_1949":13456,"_49":13457,"_1947":1953},{},[13458],{"_1949":13459,"_1960":13460,"_1958":9,"_1947":1957},{},[],{"_1793":13462,"_1798":13465,"_1837":13475},{"_1795":13463,"_1805":13464},[],[],{"_1808":13466,"_13":1813,"_1803":6749,"_1815":13468,"_1820":2261,"_1822":13470,"_1824":13471,"_1826":13471,"_1827":13472,"_1829":1939,"_1779":13473,"_1835":1836},{"_1798":13467},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13469},{"_13":1800,"_1801":1818,"_1803":2193},"2026-04-24T09:28:56.151Z","2026-05-16T13:18:03.905Z","2026-04-24T16:59:22.214Z",{"_1798":13474},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":2199,"_49":13476,"_1840":1841},{"_1798":13477},{"_13":1800,"_1801":1813,"_1803":13478},"33BhDaZdEJjKRwWBD9LAVh",{"_1793":13480,"_1798":13483,"_1837":13493},{"_1795":13481,"_1805":13482},[],[],{"_1808":13484,"_13":1813,"_1803":9857,"_1815":13486,"_1820":2133,"_1822":13488,"_1824":13489,"_1826":13489,"_1827":13490,"_1829":3277,"_1779":13491,"_1835":1836},{"_1798":13485},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13487},{"_13":1800,"_1801":1818,"_1803":1934},"2025-02-11T15:26:02.772Z","2026-04-29T09:42:14.841Z","2025-02-11T18:12:00.592Z",{"_1798":13492},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13494,"_1944":13495,"_49":13496,"_1840":1841},"BCA- How long does it take to open a business bank account?","How long does it take to open a business account?",{"_1949":13497,"_49":13498,"_1947":1948},{},[13499,13506,13513],{"_1949":13500,"_49":13501,"_1947":1953},{},[13502],{"_1949":13503,"_1960":13504,"_1958":13505,"_1947":1957},{},[],"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.",{"_1949":13507,"_49":13508,"_1947":1953},{},[13509],{"_1949":13510,"_1960":13511,"_1958":13512,"_1947":1957},{},[],"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.",{"_1949":13514,"_49":13515,"_1947":1953},{},[13516],{"_1949":13517,"_1960":13518,"_1958":13519,"_1947":1957},{},[],"Once your application is submitted, the bank will conduct background checks and may contact you for additional information. ",{"_1793":13521,"_1798":13524,"_1837":13534},{"_1795":13522,"_1805":13523},[],[],{"_1808":13525,"_13":1813,"_1803":6319,"_1815":13527,"_1820":1981,"_1822":13529,"_1824":13530,"_1826":13530,"_1827":13531,"_1829":12463,"_1779":13532,"_1835":1836},{"_1798":13526},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13528},{"_13":1800,"_1801":1818,"_1803":1934},"2024-05-23T12:36:57.592Z","2026-04-01T10:08:30.316Z","2024-05-23T12:40:43.730Z",{"_1798":13533},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13535,"_1944":13536,"_49":13537,"_1840":1841},"Platinum - Business - Business Credit Cards - New company","Can I get a business credit card as a startup?",{"_1949":13538,"_49":13539,"_1947":1948},{},[13540,13558,13577,13596],{"_1949":13541,"_49":13542,"_1947":1953},{},[13543,13547,13554],{"_1949":13544,"_1960":13545,"_1958":13546,"_1947":1957},{},[],"Yes, startups and new businesses in the UK can apply for a business credit card. A business credit card can be an essential tool for ",{"_1949":13548,"_49":13549,"_1947":2292},{"_2283":12528},[13550],{"_1949":13551,"_1960":13552,"_1958":13553,"_1947":1957},{},[],"optimising cash flow",{"_1949":13555,"_1960":13556,"_1958":13557,"_1947":1957},{},[]," and covering initial business expenses in the early stages. ",{"_1949":13559,"_49":13560,"_1947":1953},{},[13561,13565,13573],{"_1949":13562,"_1960":13563,"_1958":13564,"_1947":1957},{},[],"However, as a new company, you may be required to ",{"_1949":13566,"_49":13568,"_1947":2292},{"_2283":13567},"https://www.money.co.uk/business/business-credit-cards/what-you-need-for-business-credit-card",[13569],{"_1949":13570,"_1960":13571,"_1958":13572,"_1947":1957},{},[],"provide additional information",{"_1949":13574,"_1960":13575,"_1958":13576,"_1947":1957},{},[]," to demonstrate your ability to meet repayment obligations. ",{"_1949":13578,"_49":13579,"_1947":1953},{},[13580,13584,13592],{"_1949":13581,"_1960":13582,"_1958":13583,"_1947":1957},{},[],"To assess your eligibility, the provider may conduct a personal credit check (",{"_1949":13585,"_49":13587,"_1947":2292},{"_2283":13586},"https://www.money.co.uk/business/business-credit-cards/can-you-get-a-business-credit-card-as-a-sole-trader",[13588],{"_1949":13589,"_1960":13590,"_1958":13591,"_1947":1957},{},[],"especially if you're a sole trader",{"_1949":13593,"_1960":13594,"_1958":13595,"_1947":1957},{},[]," 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. ",{"_1949":13597,"_49":13598,"_1947":1953},{},[13599,13603,13610],{"_1949":13600,"_1960":13601,"_1958":13602,"_1947":1957},{},[],"Keep in mind that approval may be more challenging for new businesses without an ",{"_1949":13604,"_49":13605,"_1947":2292},{"_2283":4853},[13606],{"_1949":13607,"_1960":13608,"_1958":13609,"_1947":1957},{},[],"established credit history",{"_1949":13611,"_1960":13612,"_1958":13613,"_1947":1957},{},[],", but offering a personal guarantee or showing strong personal credit can help increase your chances of approval.",{"_1793":13615,"_1798":13618,"_1837":13627},{"_1795":13616,"_1805":13617},[],[],{"_1808":13619,"_13":1813,"_1803":7108,"_1815":13621,"_1820":2042,"_1822":13623,"_1824":13624,"_1779":13625,"_1835":1836},{"_1798":13620},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13622},{"_13":1800,"_1801":1818,"_1803":1980},"2026-05-18T12:37:13.389Z","2026-05-18T12:47:18.473Z",{"_1798":13626},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":6356,"_1840":1841,"_2142":13628,"_49":13643,"_2009":13688},{"_1949":13629,"_49":13630,"_1947":1948},{},[13631,13637],{"_1949":13632,"_49":13633,"_1947":2332},{},[13634],{"_1949":13635,"_1960":13636,"_1958":6366,"_1947":1957},{},[],{"_1949":13638,"_49":13639,"_1947":1953},{},[13640],{"_1949":13641,"_1960":13642,"_1958":9,"_1947":1957},{},[],{"_1949":13644,"_49":13645,"_1947":1948},{},[13646,13652,13682],{"_1949":13647,"_49":13648,"_1947":2014},{},[13649],{"_1949":13650,"_1960":13651,"_1958":6382,"_1947":1957},{},[],{"_1949":13653,"_49":13654,"_1947":2801},{},[13655,13664,13673],{"_1949":13656,"_49":13657,"_1947":2805},{},[13658],{"_1949":13659,"_49":13660,"_1947":1953},{},[13661],{"_1949":13662,"_1960":13663,"_1958":6395,"_1947":1957},{},[],{"_1949":13665,"_49":13666,"_1947":2805},{},[13667],{"_1949":13668,"_49":13669,"_1947":1953},{},[13670],{"_1949":13671,"_1960":13672,"_1958":6405,"_1947":1957},{},[],{"_1949":13674,"_49":13675,"_1947":2805},{},[13676],{"_1949":13677,"_49":13678,"_1947":1953},{},[13679],{"_1949":13680,"_1960":13681,"_1958":6415,"_1947":1957},{},[],{"_1949":13683,"_49":13684,"_1947":1953},{},[13685],{"_1949":13686,"_1960":13687,"_1958":9,"_1947":1957},{},[],{"_1947":1948,"_1949":13689,"_49":13690},{},[13691,13697,13727],{"_1947":2014,"_1949":13692,"_49":13693},{},[13694],{"_1947":1957,"_1958":6429,"_1960":13695,"_1949":13696},[],{},{"_1947":2801,"_1949":13698,"_49":13699},{},[13700,13709,13718],{"_1947":2805,"_1949":13701,"_49":13702},{},[13703],{"_1947":1953,"_1949":13704,"_49":13705},{},[13706],{"_1947":1957,"_1958":6442,"_1960":13707,"_1949":13708},[],{},{"_1947":2805,"_1949":13710,"_49":13711},{},[13712],{"_1947":1953,"_1949":13713,"_49":13714},{},[13715],{"_1947":1957,"_1958":6452,"_1960":13716,"_1949":13717},[],{},{"_1947":2805,"_1949":13719,"_49":13720},{},[13721],{"_1947":1953,"_1949":13722,"_49":13723},{},[13724],{"_1947":1957,"_1958":6462,"_1960":13725,"_1949":13726},[],{},{"_1947":1953,"_1949":13728,"_49":13729},{},[13730],{"_1947":1957,"_1958":9,"_1960":13731,"_1949":13732},[],{},{"_1793":13734,"_1798":13737,"_1837":13747},{"_1795":13735,"_1805":13736},[],[],{"_1808":13738,"_13":1813,"_1803":7072,"_1815":13740,"_1820":2107,"_1822":13742,"_1824":13743,"_1826":13743,"_1827":13744,"_1829":2968,"_1779":13745,"_1835":1836},{"_1798":13739},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13741},{"_13":1800,"_1801":1818,"_1803":5586},"2023-05-31T14:37:30.328Z","2026-05-16T13:18:03.181Z","2023-06-12T14:16:43.462Z",{"_1798":13746},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13748,"_1840":1841,"_5596":3559,"_5597":286,"_5598":13749},"Platinum - Business Loans",{"_1798":13750},{"_13":1800,"_1801":1813,"_1803":5576},{"_1793":13752,"_1798":13755,"_1837":13765},{"_1795":13753,"_1805":13754},[],[],{"_1808":13756,"_13":1813,"_1803":12843,"_1815":13758,"_1820":2107,"_1822":13760,"_1824":13761,"_1826":13761,"_1827":13762,"_1829":1830,"_1779":13763,"_1835":1836},{"_1798":13757},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13759},{"_13":1800,"_1801":1818,"_1803":1934},"2025-09-09T11:55:58.064Z","2026-05-16T13:18:04.939Z","2025-09-09T11:57:55.425Z",{"_1798":13764},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":13766,"_1944":13767,"_49":13768,"_1840":1841},"Platinum - business loans - FAQ 9","Do I need collateral to secure a business loan?",{"_1949":13769,"_49":13770,"_1947":1948},{},[13771,13778,13785],{"_1949":13772,"_49":13773,"_1947":1953},{},[13774],{"_1949":13775,"_1960":13776,"_1958":13777,"_1947":1957},{},[],"It depends on the type of loan. Some UK business loans are secured, meaning you pledge assets like property, equipment, or inventory as collateral. Secured loans often offer lower interest rates and higher borrowing limits.",{"_1949":13779,"_49":13780,"_1947":1953},{},[13781],{"_1949":13782,"_1960":13783,"_1958":13784,"_1947":1957},{},[],"Other loans are unsecured. So, while no collateral is required, they may come with higher interest rates or stricter eligibility criteria. ",{"_1949":13786,"_49":13787,"_1947":1953},{},[13788],{"_1949":13789,"_1960":13790,"_1958":13791,"_1947":1957},{},[],"The loan that's right for your business will depend on your financial situation, the amount you need to borrow, and how comfortable you are putting assets at risk.",{"_1793":13793,"_1798":13796,"_1837":13806},{"_1795":13794,"_1805":13795},[],[],{"_1808":13797,"_13":1813,"_1803":5921,"_1815":13799,"_1820":5518,"_1822":13801,"_1824":13802,"_1826":13802,"_1827":13803,"_1829":3893,"_1779":13804,"_1835":1836},{"_1798":13798},{"_13":1800,"_1801":1811,"_1803":1812},{"_1798":13800},{"_13":1800,"_1801":1818,"_1803":1980},"2025-02-11T13:03:43.951Z","2026-04-29T09:42:14.457Z","2025-02-11T18:09:58.093Z",{"_1798":13805},{"_1803":1833,"_13":1800,"_1801":1834},{"_47":5919,"_1840":1841,"_1990":1991,"_2142":13807,"_49":13823},{"_1949":13808,"_49":13809,"_1947":1948},{},[13810,13817],{"_1949":13811,"_49":13812,"_1947":2332},{},[13813],{"_1949":13814,"_1960":13815,"_1958":13816,"_1947":1957},{},[],"What to look for in a business bank account",{"_1949":13818,"_49":13819,"_1947":1953},{},[13820],{"_1949":13821,"_1960":13822,"_1958":9,"_1947":1957},{},[],{"_1947":1948,"_1949":13824,"_49":13825},{},[13826,13844,13856,13868,13880,13892,13924,13936,13948,13953],{"_1947":1953,"_1949":13827,"_49":13828},{},[13829,13832,13840],{"_1947":1957,"_1958":9,"_1960":13830,"_1949":13831},[],{},{"_1947":2292,"_1949":13833,"_49":13835},{"_2283":13834},"https://www.money.co.uk/business/bank-accounts/how-to-choose-a-business-current-account",[13836],{"_1947":1957,"_1958":13837,"_1960":13838,"_1949":13839},"When choosing a business bank account",[],{},{"_1947":1957,"_1958":13841,"_1960":13842,"_1949":13843},", think about the features that best support your business needs. Here's what to look for:",[],{},{"_1947":1953,"_1949":13845,"_49":13846},{},[13847,13852],{"_1947":1957,"_1958":13848,"_1960":13849,"_1949":13851},"Accounting software integration ",[13850],{"_13":2815},{},{"_1947":1957,"_1958":13853,"_1960":13854,"_1949":13855},"- Many accounts connect with Xero, QuickBooks, Sage or FreeAgent. This is worth prioritising if you're managing your own books.",[],{},{"_1947":1953,"_1949":13857,"_49":13858},{},[13859,13864],{"_1947":1957,"_1958":13860,"_1960":13861,"_1949":13863},"Invoicing tools ",[13862],{"_13":2815},{},{"_1947":1957,"_1958":13865,"_1960":13866,"_1949":13867},"- Some accounts let you send, chase and track invoices directly, which can save meaningful time if you bill clients regularly.",[],{},{"_1947":1953,"_1949":13869,"_49":13870},{},[13871,13876],{"_1947":1957,"_1958":13872,"_1960":13873,"_1949":13875},"Overdraft facilities ",[13874],{"_13":2815},{},{"_1947":1957,"_1958":13877,"_1960":13878,"_1949":13879},"- Useful for smoothing out cash flow gaps. If you think you'll need one, it is generally worth checking eligibility criteria before you commit.",[],{},{"_1947":1953,"_1949":13881,"_49":13882},{},[13883,13888],{"_1947":1957,"_1958":13884,"_1960":13885,"_1949":13887},"International transactions",[13886],{"_13":2815},{},{"_1947":1957,"_1958":13889,"_1960":13890,"_1949":13891}," - If you trade globally, look for an account that supports multiple currencies and low-cost international transfers. 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l+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",{"_14399":14540},{"_1803":14541,"_14402":-5,"_14403":14542,"_14405":59,"_14406":14543,"_14408":14544},"dbe553e6-d274-4a19-8e24-cb2ace97b2e8","1000036951","974313","https://www.confused.com/clk/61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef/confused/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fcapital-on-tap%3Fproduct_id%3D61b752a0-ac8b-491d-b5ef-9612c43a4d09%26utm_source%3Dconfused%26utm_medium%3Demail%26utm_referrer%3Dconfused%26partnertrackingid%3D%7B%7Bclick_ref%7D%7D%26utm_content%3D%7B%7Butm_content%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Credit+Card&pid=61b752a0-ac8b-491d-b5ef-9612c43a4d09&ln=application&upvid=61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef&ucvid=1000036951&ulvid=974313&link_id=dbe553e6-d274-4a19-8e24-cb2ace97b2e8&sig=571608d69181b9c245b031da9fa3673c82dc7867f29a540b6a2c6f61507ab96f",{"_1841":2534,"_14299":5434,"_14433":2534},"61b752a0-ac8b-491d-b5ef-9612c43a4d09-93b977d741955dbc1073faccf77599476c0dfeef","2026-05-22T01:50:54.900Z",[2534],{"_14278":14425,"_14280":14550,"_14281":-5,"_14282":14551,"_2543":14606},"38888122-37e0-4c56-b9c2-e92846587c01",{"_1803":14550,"_14284":14285,"_14286":2550,"_8311":2550,"_14287":14552,"_14292":14555,"_14310":14560,"_3541":14579,"_14410":14603,"_2539":-5,"_14412":-5,"_14413":-5,"_14414":59,"_14415":14604,"_14417":14605},{"_14299":14553,"_1841":14554},{"_14290":5587},{"_14290":7775},{"_1803":14556,"_8311":2550,"_12793":14557,"_14302":14559,"_14444":14442,"_14445":59,"_14310":14560,"_14447":14559,"_14318":14319,"_14448":14561,"_14450":14453,"_14452":14562,"_14454":14563,"_14456":14564,"_14324":2550,"_14459":14565,"_14461":14566,"_14463":14464,"_14465":14466,"_14467":14468,"_14379":14567,"_14469":14470,"_14380":14568,"_14472":14569,"_14474":14570,"_14476":14477,"_14480":14571,"_14482":59,"_14483":14572,"_14484":14473,"_14486":14573,"_14488":14574,"_14490":59,"_14337":14567,"_14338":14568,"_14491":14573,"_14492":14574,"_14493":14575,"_14495":14496,"_14497":14576,"_14499":14577,"_14501":14578,"_14485":-5,"_14503":-5,"_14504":-5,"_14505":-5,"_14506":-5},"0000000000",{"_1803":14438,"_12760":14558,"_47":14442},{"_1841":14440,"_14299":14441},"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",[14565,14566,14464,14466],"Uncapped 1% cashback on all card spending included. Get unlimited airport lounge access and a silver metal card. Limits up to £250,000, and free company cards with spend controls. No ATM or FX fees. Available to limited companies and LLPs. T&Cs apply.",{"_1841":14580,"_14299":14598},{"_6902":14581,"_14399":14586,"_14523":14590,"_14528":14594},{"_1803":14582,"_14402":-5,"_14403":14583,"_14405":1786,"_14406":14584,"_14408":14585},"d4c24861-acf4-4e4e-bb0b-b53f1e2df2d4","1000042958","992504","https://www.money.co.uk/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-pro%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=default&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000042958&ulvid=992504&link_id=d4c24861-acf4-4e4e-bb0b-b53f1e2df2d4&sig=406afa03459527a14486d36b88e86af4dc33c481bb13ad71cfceeab472bc624b",{"_1803":14587,"_14402":-5,"_14403":14583,"_14405":59,"_14406":14588,"_14408":14589},"06125648-5026-4a14-a189-5df36291c455","992507","https://www.money.co.uk/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fcapital-on-tap%3Fproduct_id%3D38888122-37e0-4c56-b9c2-e92846587c01%26index%3Dbusiness-credit-cards%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=application&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000042958&ulvid=992507&link_id=06125648-5026-4a14-a189-5df36291c455&sig=41bda8c34b6f8d54e90a86b5247d919b2984faf2cbc411bd101879757218564d",{"_1803":14591,"_14402":-5,"_14403":14583,"_14405":59,"_14406":14592,"_14408":14593},"89a32c5e-c044-42f2-a0ec-07d5aa945995","992505","https://www.money.co.uk/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/money/business-credit-cards?r=https%3A%2F%2Fcashback.capitalontap.com%2Fmoney-offer%2F%3Futm_source%3Dlink%26utm_medium%3Daffiliate%26utm_campaign%3Dmoney-cashback-offer-pro%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=post-application&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000042958&ulvid=992505&link_id=89a32c5e-c044-42f2-a0ec-07d5aa945995&sig=406afa03459527a14486d36b88e86af4dc33c481bb13ad71cfceeab472bc624b",{"_1803":14595,"_14402":-5,"_14403":14583,"_14405":59,"_14406":14596,"_14408":14597},"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",{"_6902":14599},{"_1803":14600,"_14402":-5,"_14403":14536,"_14405":59,"_14406":14601,"_14408":14602},"72359a78-1d88-487c-9549-774fddd12fef","970774","https://www.uswitch.com/clk/38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8/uswitch/business-credit-cards?r=https%3A%2F%2Faccount.capitalontap.com%2Fapps%2Fapply%2F%3Fpromocode%3DUswitch%26utm_source%3Duswitch%26utm_medium%3Dsite%26utm_campaign%3DPro%26step%3D1%26utm_term%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Capital+on+Tap&product_name=Capital+on+Tap+Business+Pro+Card&pid=38888122-37e0-4c56-b9c2-e92846587c01&ln=default&upvid=38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8&ucvid=1000036083&ulvid=970774&link_id=72359a78-1d88-487c-9549-774fddd12fef&sig=e1bb461ae08bf9d913728ec84831da3c55c37cc2865a8cc5ffe9649ad7a9522c",{"_1841":9914,"_14299":5434},"38888122-37e0-4c56-b9c2-e92846587c01-a9e838d36b5f835a314f66aa927be6616f78fbc8","2026-05-22T01:50:56.296Z",[9914],{"_14278":14425,"_14280":14608,"_14281":-5,"_14282":14609,"_2543":14651},"14d9d1c1-e024-4c73-9ccc-cf97d70f7923",{"_1803":14608,"_14284":14285,"_14286":2550,"_8311":2550,"_14287":14610,"_14292":14614,"_14310":14623,"_3541":14637,"_14410":14648,"_2539":-5,"_14412":-5,"_14413":-5,"_14414":59,"_14415":14649,"_14417":14650},{"_14299":14611,"_1841":14612},{"_14290":3277},{"_14290":14613},475,{"_1803":14615,"_8311":2550,"_12793":14616,"_14302":14622,"_14444":14621,"_14445":59,"_14310":14623,"_14447":14622,"_14318":14319,"_14456":14624,"_14324":2550,"_14459":14625,"_14461":14626,"_14463":14464,"_14465":14627,"_14379":14628,"_14469":14470,"_14380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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",[14625,14626,14464,14627],{"_1841":14638},{"_6902":14639,"_14514":14644},{"_1803":14640,"_14402":-5,"_14403":14641,"_14405":59,"_14406":14642,"_14408":14643},"b5c72503-c142-4521-8d3e-8bd572c4d22e","1000043703","994390","https://www.money.co.uk/clk/14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777/money/business-credit-cards?r=https%3A%2F%2Ffundingcircle.sjv.io%2Fc%2F23518%2F2698293%2F27836%3Fprodsku%3DCashback&category=business-credit-cards&supplier=Funding+Circle&product_name=Funding+Circle+Business+Cashback+Credit+Card&pid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923&ln=default&upvid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777&ucvid=1000043703&ulvid=994390&link_id=b5c72503-c142-4521-8d3e-8bd572c4d22e&sig=66a19b6821717267235ad107756313c798243b31f395808c09dc635eb0daa998",{"_1803":14645,"_14402":-5,"_14403":14641,"_14405":1786,"_14406":14646,"_14408":14647},"1bc7aeba-ea71-4f6b-bcb7-8b7938076751","994391","https://www.money.co.uk/clk/14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777/money/business-credit-cards?r=https%3A%2F%2Fwww.fundingcircle.com%2Fuk%2Fpayments%2Fcashback%2F%3Futm_source%3DMoneyCoUK%26utm_medium%3DAffiliate%26utm_campaign%3DMoney_Hero_CBC%26thirdpartyid%3D%7Bclick_ref%7D&category=business-credit-cards&supplier=Funding+Circle&product_name=Funding+Circle+Business+Cashback+Credit+Card&pid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923&ln=tenancy&upvid=14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777&ucvid=1000043703&ulvid=994391&link_id=1bc7aeba-ea71-4f6b-bcb7-8b7938076751&sig=43a47daa877980a9daaae20939576b17b4856cabc452362ef8904443727d5012",{"_1841":3281},"14d9d1c1-e024-4c73-9ccc-cf97d70f7923-e1f11012830d533138896623bccac5743f76b777","2026-05-22T01:50:50.800Z",[3281],{"_14278":14425,"_14280":14653,"_14281":-5,"_14282":14654,"_2543":14723},"bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97",{"_1803":14653,"_14284":14285,"_14286":2550,"_8311":2550,"_14287":14655,"_14292":14659,"_14310":14668,"_3541":14700,"_14410":14719,"_2539":-5,"_14412":-5,"_14413":-5,"_14414":59,"_14415":14721,"_14417":14722},{"_14299":14656,"_1841":14657},{"_14290":5434},{"_14290":14658},352,{"_1803":14660,"_8311":2550,"_12793":14661,"_14302":14667,"_14445":59,"_14310":14668,"_14669":14670,"_14447":14667,"_14318":14319,"_14456":14671,"_14324":2550,"_14459":14672,"_14461":14673,"_14463":14674,"_14465":14675,"_14467":14676,"_14379":14677,"_14380":14678,"_14679":59,"_14680":14681,"_14682":1786,"_14683":59,"_14684":59,"_14474":14685,"_14478":14686,"_14480":9,"_14482":59,"_14483":14687,"_14688":2042,"_14689":14690,"_14691":2042,"_14486":14692,"_14488":14692,"_14337":14677,"_14338":14678,"_14491":14692,"_14493":14693,"_14495":14694,"_14497":14694,"_14695":14696,"_14697":14698,"_14499":14699,"_14501":14692,"_14444":-5,"_14469":-5,"_14472":-5,"_14484":-5,"_14485":-5,"_14503":-5,"_14504":-5,"_14492":-5,"_14505":-5,"_14506":-5,"_14448":-5,"_14450":-5,"_14452":-5,"_14454":-5,"_14476":-5},"88736572",{"_1803":14662,"_12760":14663,"_47":14666},"7461c261-c040-4df0-931e-65905ecbf950",{"_1841":14664,"_14299":14665},"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",[14672,14673,14674,14675],{"_1841":14701},{"_6902":14702,"_14399":14707,"_14523":14711,"_14528":14715},{"_1803":14703,"_14402":-5,"_14403":14704,"_14405":59,"_14406":14705,"_14408":14706},"b816e76f-3854-4262-bb1b-8d283922b7e6","1000045489","999063","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.financeads.net%2Ftc.php%3Ft%3D62682C4744115220T%26rvu_click_ref%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=default&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999063&link_id=b816e76f-3854-4262-bb1b-8d283922b7e6&sig=b853813441fbb5162b3307b0bc29f909842bde856ab038f9125e1a8f5aeea672",{"_1803":14708,"_14402":-5,"_14403":14704,"_14405":59,"_14406":14709,"_14408":14710},"598dd199-3a8a-46d2-b487-5fe9ebfcb3e0","999061","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Fapplication%2Fmoss%3Fclickref%3D%7B%7Bclick_ref%7D%7D&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=application&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999061&link_id=598dd199-3a8a-46d2-b487-5fe9ebfcb3e0&sig=5cc344a358b1aca48f3b7bc4d407ca1e2cb0c97238f5d4bc44c7f09e65e2f7bd",{"_1803":14712,"_14402":-5,"_14403":14704,"_14405":59,"_14406":14713,"_14408":14714},"a2ed1ecc-d5d6-40d4-907c-4894f000a9a5","999062","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=post-application&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999062&link_id=a2ed1ecc-d5d6-40d4-907c-4894f000a9a5&sig=bcf8fd3c57760f853298da4d045ffc136a6f462feba73d5e6ee66eefcbe45cd9",{"_1803":14716,"_14402":-5,"_14403":14704,"_14405":59,"_14406":14717,"_14408":14718},"97b462d9-46e3-4651-b1d3-67b53c035916","999064","https://www.money.co.uk/clk/bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=Moss&product_name=Moss+Business+Credit+Card&pid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97&ln=application_completed&upvid=bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76&ucvid=1000045489&ulvid=999064&link_id=97b462d9-46e3-4651-b1d3-67b53c035916&sig=bcf8fd3c57760f853298da4d045ffc136a6f462feba73d5e6ee66eefcbe45cd9",{"_1841":14720},65,"bfed22bd-5b0c-40fa-aacd-d61bd9bb4c97-1a939ffd0745a3d9b63e40e1ae520e16c1759d76","2026-05-22T01:50:53.449Z",[14720],{"_14278":14425,"_14280":14725,"_14281":-5,"_14282":14726,"_2543":14781},"90bdb5bb-a4eb-4224-830b-1bc488e50b02",{"_1803":14725,"_14284":14285,"_14286":2550,"_8311":2550,"_14287":14727,"_14292":14730,"_14310":14740,"_3541":14761,"_14410":14777,"_2539":-5,"_14412":-5,"_14413":-5,"_14414":59,"_14415":14779,"_14417":14780},{"_1841":14728},{"_14290":14729},92,{"_1803":14731,"_8311":2550,"_12793":14732,"_14302":14738,"_14444":14739,"_14445":59,"_14310":14740,"_14447":14741,"_14318":14319,"_14448":14742,"_14450":14743,"_14452":14744,"_14454":14745,"_14456":14671,"_14324":2550,"_14459":14744,"_14461":14746,"_14463":14747,"_14465":14748,"_14467":14749,"_14379":14750,"_14469":14470,"_14380":14751,"_14472":14752,"_14474":14753,"_14478":9,"_14480":9,"_14483":14754,"_14484":14755,"_14486":14756,"_14337":14750,"_14338":14751,"_14491":14756,"_14493":14757,"_14495":14758,"_14497":14759,"_14499":14760,"_14501":14756,"_14488":-5,"_14485":-5,"_14503":-5,"_14504":-5,"_14492":-5,"_14505":-5,"_14506":-5,"_14476":-5},"25001",{"_1803":14733,"_12760":14734,"_47":14737},"7721c3e4-07de-43cf-84c3-e23e2c8cbb59",{"_1841":14735,"_14299":14736},"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",[14744,14746,14747,14748],{"_1841":14762},{"_14399":14763,"_14768":14769,"_14528":14773},{"_1803":14764,"_14402":-5,"_14403":14765,"_14405":59,"_14406":14766,"_14408":14767},"f0352504-f6e9-4898-b088-1d5a2ba6965c","1000045719","999994","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2Fbusiness%2Fbusiness-credit-cards%2Famex-ba&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=application&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999994&link_id=f0352504-f6e9-4898-b088-1d5a2ba6965c&sig=9cf990f9109de773dc804eaf55e5180815492cfc3dda866ce3ecc2934c6fa658","eligibility_checked",{"_1803":14770,"_14402":-5,"_14403":14765,"_14405":59,"_14406":14771,"_14408":14772},"e160db21-97e4-4332-a290-d6e22e91c6c2","999995","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fwww.money.co.uk%2F&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=eligibility_checked&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999995&link_id=e160db21-97e4-4332-a290-d6e22e91c6c2&sig=bea5d21653297801c8ee88a75b1f081a755288d273b9cc1da3e28399de851974",{"_1803":14774,"_14402":-5,"_14403":14765,"_14405":59,"_14406":14775,"_14408":14776},"b0ebb42e-5ede-48b3-af0f-9ad6a6fe545f","999993","https://www.money.co.uk/clk/90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942/money/business-credit-cards?r=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Dg6PfYBeCXNo%26offerid%3D1034633.5%26type%3D3%26subid%3D0%26clickref%3D%7B%7BClick_ref%7D%7D&category=business-credit-cards&supplier=British+Airways&product_name=British+Airways+American%C2%A0Express%C2%AE+%C2%A0Accelerating+Business+Card&pid=90bdb5bb-a4eb-4224-830b-1bc488e50b02&ln=application_completed&upvid=90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942&ucvid=1000045719&ulvid=999993&link_id=b0ebb42e-5ede-48b3-af0f-9ad6a6fe545f&sig=f24c441eb8411ac448d3e03e30f1f99eb04893f6263a11b879ac805245ddc86f",{"_1841":14778},67,"90bdb5bb-a4eb-4224-830b-1bc488e50b02-3f0f860186cd723dea4a9f0fb8e9669ef21ed942","2026-05-22T01:50:55.201Z",[14778],{"_14278":14425,"_14280":14783,"_14281":-5,"_14282":14784,"_2543":14836},"5486c391-d6c4-489d-a5a8-b6b4f8e33692",{"_1803":14783,"_14284":14285,"_14286":2550,"_8311":2550,"_14287":14785,"_14292":14788,"_14310":14795,"_3541":14817,"_14410":14832,"_2539":-5,"_14412":-5,"_14413":-5,"_14414":59,"_14415":14834,"_14417":14835},{"_1841":14786},{"_14290":14787},80,{"_1803":16,"_8311":2550,"_12793":14789,"_14302":14794,"_14445":59,"_14310":14795,"_14447":14796,"_14318":14319,"_14448":14797,"_14450":14798,"_14452":14799,"_14454":14800,"_14456":14671,"_14324":2550,"_14459":14801,"_14461":14802,"_14463":14803,"_14465":14804,"_14467":14805,"_14379":14806,"_14469":14470,"_14380":14807,"_14474":2872,"_14478":14808,"_14480":14809,"_14483":14810,"_14484":14811,"_14486":14812,"_14488":9,"_14337":14806,"_14338":14807,"_14491":14812,"_14493":14813,"_14495":14814,"_14497":14694,"_14499":14815,"_14501":14816,"_14444":-5,"_14472":-5,"_14485":-5,"_14503":-5,"_14504":-5,"_14492":-5,"_14505":-5,"_14506":-5,"_14476":-5},{"_1803":14790,"_12760":14791,"_47":14739},"a42f5bf6-8ae7-48c4-a0f7-350d8bd01729",{"_1841":14792,"_14299":14793},"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",[14801,14802,14803,14804],"*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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