The flexible business credit cards made to help you grow

Q: What features do I get with each card?

You can use your Cashback Business Credit Card anywhere that accepts Visa, whether online, in-store or abroad for international payments. With a credit limit of up to £250,000, you could also use your card for larger payments such as stock orders or new equipment – it’s totally up to you.Your FlexiPay Business Credit Card allows you to shop online, in stores, and set up recurring payments for added convenience. You can also use your card abroad for international payments. However, keep in mind that cash withdrawals and gambling transactions are not supported by this card.

Q: What types of business costs can I use my card for?

Your Cashback Business Credit Card is designed to reward you for everyday expenses, such as shipping, business trip costs, team lunches or socials, office supplies and more.Your FlexiPay Business Credit Card lets you cover almost any business payment. Whether you need to pay recurring bills like VAT, rent, and utilities, or even make supplier payments to manage your inventory without a long-term loan commitment. You can also use your card for everyday expenses and larger purchases.

Business credit cards with Funding Circle can help smoothen your cash flow by flexing into instalments, or earn up to 2% cashback* on your everyday spending. Compare our card options now

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Apply as a limited company without affecting your credit score

Excellent

16,956 reviews

Apply online in 4 minutes
No monthly or annual fees
Up to 42 days interest free
Use anywhere Visa is accepted, in store or on the go
No fees to overpay or settle early

Cashback business credit card
Key feature	2% cashback for first 6 months (up to £2,000) then 1% uncapped after that
Interest rate	Rates from 14.9%, representative 34.9% APR (variable)
Monthly/annual fee	No monthly or annual fee
Transaction fee	Not applicable
Credit limit	Up to £250,000
Forex fees	None
Company cards	Yes, unlimited
Apply for Cashback Learn more about Cashback

FlexiPay business instalment card
Key feature	Pay for business costs upfront, then choose how you repay - over 1, 3, 6, 9 or 12 months
Interest rate	0% interest
Monthly/annual fee	No monthly or annual fee
Transaction fee	0% when you settle card balances in 1 instalment. From 1.99% per transaction for cash transfers.
Credit limit	Up to £250,000
Forex fees	None
Company cards	No
Apply for FlexiPay Learn more about FlexiPay

No data	Cashback business credit card	FlexiPay business instalment card
Key feature	2% cashback for first 6 months (up to £2,000) then 1% uncapped after that	Pay for business costs upfront, then choose how you repay - over 1, 3, 6, 9 or 12 months
Interest rate	Rates from 14.9%, representative 34.9% APR (variable)	0% interest
Monthly/annual fee	No monthly or annual fee	No monthly or annual fee
Transaction fee	Not applicable	0% when you settle card balances in 1 instalment. From 1.99% per transaction for cash transfers.
Credit limit	Up to £250,000	Up to £250,000
Forex fees	None	None
Company cards	Yes, unlimited	No
	Apply for Cashback Learn more about Cashback	Apply for FlexiPay Learn more about FlexiPay

Apply for a Funding Circle Business credit card today

To apply for our business credit cards, your business must:

Be a sole trader, limited company or partnership
Traded in the UK for a minimum of 2 years

We’ve made our process quick and simple, so can secure the credit you need and get back to running your business:

Complete your online application in as little as 3 minutes, without affecting your credit score
Get an instant decision. No documents needed
Your card follows in the post within 5 days

More than 135,000 small businesses supported
4.5/5 Trustpilot rating from over 16,956 reviews
UK-based human support team on hand

1. Spread the cost of big-ticket items

FlexiPay lets you split large costs, like supplier invoices or equipment costs, into manageable chunks. Instead of taking one big hit to your bank balance, simply repay over 1-12 months for one simple, flat fee per use.

2. Get rewarded for every pound you spend

Our Cashback card pays you to run your business. You'll get money back on the expenses you may not think twice about, from office supplies to travel.

3. Plug seasonal gaps

Unexpected bills or late-paying clients shouldn’t slow your momentum. With FlexiPay, turn your credit limit into cash and transfer straight to your business bank account to cover things like payroll, VAT, or rent. It doubles as the ultimate safety net.

4. Say goodbye to foreign exchange fees

Sourcing international stock? Both our Cashback card and FlexiPay card come with 0% forex fees. That means you get the best international deals without hidden bank charges chipping away at your margins. (0% forex on FlexiPay applies to card spend only) .

5. Streamline your bookkeeping

Our cards sync securely with your accounting software— Xero, Sage or FreeAgent— with all expenses tracked in one place. Getting you ahead of tax season.

6. Create a credit profile that backs you

By using your card for regular costs and making repayments on time, you build up a portfolio as a reliable borrower. Why not check your eligibility today with absolutely no impact on your credit score.

Alice

Wick & Tallow

London

"We love FlexiPay, as it allows us to pay our suppliers and split payments over a few months. This allows us to manage cash flow and keep up to date with invoices."

View all funding stories

Two business credit cards that make your life easier

Travel, lunches, equipment, petrol or even your morning coffee, our Cashback card rewards you on the lot. Then all your earnings get credited to your account automatically, every month. No tiered rewards or complicated withdrawals.

Meanwhile FlexiPay, our flexible line of credit, gives you the freedom to decide when and how you pay virtually any business cost. Meaning you don’t have to worry about pinch points in your cash flow.

Both cards are accepted anywhere that Visa is.

Why choose Funding Circle for your business credit card?

More than 135,000 businesses supported

Over £1 billion in FlexiPay transactions

UK-based human support team on hand

4.5/5 Trustpilot rating from over 16,956 reviews

Learn more about Funding Circle

Can I see my balance and transactions in real-time?

Your balance and transactions will be visible in real-time in your online account or in the app. Your statements will be available at the end of your billing period.

Please note that purchases made on the last day of your billing period may be posted in the following month's statement.

Where can I see upcoming repayments?

Staying on top of your repayments is easy with FlexiPay. You can view your upcoming payments and their due dates in the 'Repayments' or 'Billing' tab of your online account or in our mobile app.

What features do I get with each card?

You can use your Cashback Business Credit Card anywhere that accepts Visa, whether online, in-store or abroad for international payments. With a credit limit of up to £250,000, you could also use your card for larger payments such as stock orders or new equipment – it’s totally up to you.

Your FlexiPay Business Credit Card allows you to shop online, in stores, and set up recurring payments for added convenience. You can also use your card abroad for international payments. However, keep in mind that cash withdrawals and gambling transactions are not supported by this card.

What types of business costs can I use my card for?

Your Cashback Business Credit Card is designed to reward you for everyday expenses, such as shipping, business trip costs, team lunches or socials, office supplies and more.

Your FlexiPay Business Credit Card lets you cover almost any business payment. Whether you need to pay recurring bills like VAT, rent, and utilities, or even make supplier payments to manage your inventory without a long-term loan commitment. You can also use your card for everyday expenses and larger purchases.

Can I only have one of the cards, or both?

You can choose from one of our FlexiPay or Cashback Business Credit Cards. It’s not possible to use both at the moment, but we’re working to enable this in the future.

*2% cashback for the first 6 months or up to £2,000, whichever comes first.

The flexible business credit cards made to help you grow

Choose the business credit card that suits your needs

Cashback business credit card

Key feature

Interest rate

Monthly/annual fee

Transaction fee

Credit limit

Forex fees

Company cards

FlexiPay business instalment card

Key feature

Interest rate

Monthly/annual fee

Transaction fee

Credit limit

Forex fees

Company cards

Cashback business credit card

FlexiPay business instalment card

Key feature

Interest rate

Monthly/annual fee

Transaction fee

Credit limit

Forex fees

Company cards

Apply for a Funding Circle Business credit card today

What’s a business credit card?

Why should I get a business credit card?

1. Spread the cost of big-ticket items

2. Get rewarded for every pound you spend

3. Plug seasonal gaps

4. Say goodbye to foreign exchange fees

5. Streamline your bookkeeping

6. Create a credit profile that backs you

Alice

"We love FlexiPay, as it allows us to pay our suppliers and split payments over a few months. This allows us to manage cash flow and keep up to date with invoices."

Two business credit cards that make your life easier

Why choose Funding Circle for your business credit card?

Frequently asked questions

Can I see my balance and transactions in real-time?

Where can I see upcoming repayments?

What features do I get with each card?

What types of business costs can I use my card for?

Can I only have one of the cards, or both?

Alternatives to business credit cards