Business credit line
A revolving credit facility up to £500,000. Draw down when opportunity strikes, repay when you can, and only pay interest on what you actually use.
- Won't affect your credit score
- Decision in 24 hours
- FCA regulated
WHAT'S INCLUDED
Revolving credit facility
Draw, repay, draw again
£50,000 – £500,000
Facility limit
Only pay interest on what you use
Not the full facility limit
Repay early, fee-free
No penalties, ever
Funds available instantly
Once facility is approved
Won’t affect your credit score
- FCA regulated
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
- FCA regulated
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
What is a business credit line?
A business credit line is a revolving facility that gives you access to a pre-agreed amount of capital — up to £500,000 — which you can draw from, repay, and draw again as many times as you need.
Unlike a term loan, you don’t receive the full amount upfront and pay interest on all of it. With a credit line, you only pay interest on what you actually draw down. When you repay, that amount becomes available again immediately.
It works like a powerful business overdraft — but far larger and more flexible. Businesses use it for:
- Managing cash flow between invoices and payments
- Bridging seasonal dips in revenue
- Seizing time-sensitive opportunities — stock deals, contracts, tenders
- Covering unexpected costs without disrupting operations
- Funding short-term projects without a fixed loan commitment
£500k
Best suited for
Businesses with irregular or seasonal cash flow that need flexible access to capital without committing to a fixed loan amount or repayment schedule.
Do I own the asset?
Interest is calculated daily on the outstanding drawn balance only. You never pay for money you haven’t used.
What are the advantages of a business credit line?
A credit line is one of the most flexible financial tools available to a growing business. Here’s an honest comparison.
- Advantages
- Only pay interest on what you draw
- Reusable — draw, repay, draw again
- No fixed monthly repayment schedule
- Funds available instantly once approved
- Ideal for unpredictable cash flow
- No early repayment penalties
- Disadvantages
- Interest rate may be higher than a term loan
- Requires disciplined financial management
- Facility can be reduced or withdrawn if misused
- Requires 12+ months trading history
The process
How do I apply for an unsecured business loan?
Simple, fast, and designed to cause as little disruption to your day as possible.
Apply in minutes
A quick online form. Tell us about your business and how much you need.
Soft credit check
We check your eligibility without leaving a mark on your credit file.
We say yes
A real person reviews your application and comes back to you within 24 hours.
Money in your account
Sign your agreement and the funds are on their way — often the same day.
Costs
How much does a business credit line cost?
You only pay interest on what you draw — not the full facility limit. Interest is calculated daily on the outstanding balance. Here are some illustrative examples based on a representative rate of 0.9% per month:
| AMOUNT DRAWN | DURATION HELD | APPROX. INTEREST COST | TOTAL REPAYABLE |
|---|---|---|---|
| £25,000 | 30 days | £225 | £25,225 |
| £50,000 | 60 days | £900 | £50,900 |
| £100,000 | 90 days | £2,700 | £102,700 |
| £200,000 | 6 months | £10,800 | £210,800 |
| £500,000 | 12 months | £54,000 | £554,000 |
0.9%
Are there any standing charges?
No. There is no fee for having the facility available. You only pay when you draw funds.
Can I repay early?
Yes — repay at any time with no penalties. Interest stops accruing the moment you repay.
Work out your loan
What will my asset finance repayments be?
Get an instant estimate based on the asset value and your preferred term. No credit impact.
- Finance £50,000 to £500,000
- Terms from 6 to 60 months
- Buy stock or inventory
- No early repayment penalties
Your loan estimate
Illustrative only. No impact on your credit score.
Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator
Features
What do you get with an Acceptance business credit line?
Revolving access
Draw, repay, draw again — as many times as you need within your limit.
£50k – £500k facility
A pre-approved limit from £50,000 up to £500,000 available at any time.
Interest on drawn balance only
You never pay for money sitting unused in your facility.
Same-day draw requests
Vehicles, machinery, equipment, technology — we cover them all.
No early repayment fees
Pay off your loan early at any time — no penalties.
Human decisions
A real person reviews every application — not just an algorithm.
Eligibility
What do I need to apply for an unsecured business loan?
Company registration number
We'll use your company registration number to verify your business with Companies House.
3–6 months of bank statements
Your recent bank statements help us understand your trading performance and make a fair decision quickly.
Annual turnover
We need to see that your business generates at least £50,000 per year in revenue.
Time trading
Most applications require at least 12 months of trading history, if you're newer, get in touch and we may still be able to help.
Your contact details
We'll need your name, email address, phone number, and your role within the business.
What we offer
Who is eligible for an unsecured business loan?
We lend across all sectors. Meet the basics below and there’s a strong chance we can help.
Based in the UK
Your business must be registered and actively trading in the United Kingdom.
Trading 12+ months
We need to see at least 12 months of trading history to assess your business’s affordability.
£50,000+ annual turnover
Your business must generate a minimum of £50,000 per year in revenue to service the loan comfortably.
Director, owner, or partner
The application must be made by someone with the legal authority to take on debt on behalf of the business.
Not currently insolvent
Your business must not be in administration, liquidation, or have an outstanding unpaid County Court Judgement (CCJ).
Active business bank account
We’ll need 3–6 months of business bank statements to assess cash flow patterns.
Put it to work
What can you do with funding from Acceptance?
- Hire more staff
- Open a new location
- Buy stock or inventory
- Launch a campaign
- Stabilise cash flow
- Upgrade equipment
- Expand or renovate
- Consolidate debt
Common questions about asset finance
Still have a question?
Mon–Fri, 9am–6pm. Happy to talk through your options before you apply.
Speak to our team
What is the difference between a credit line and a business loan?
How quickly can I access funds once my facility is live?
Do I pay interest if I don't use the facility?
Can I increase my credit limit over time?
Will applying affect my credit score?
Is there a minimum draw amount?
Explore more
Other ways Acceptance can fund your business
A fixed lump sum with set monthly repayments. Ideal for a specific one-off purpose.
Working capital loan
Cover payroll, stock, and overheads while your revenue catches up.