Cover any cost, even where card isn’t accepted

Pay turns your available credit into direct bank transfers. You can move money straight to any UK business account to cover suppliers  that don't take card payments.

You pay a flat transaction fee starting from 1.99% per transfer. Pay comes with up to 42 days interest-free credit.

Cashback applies to card purchases rather than bank transfers. Pay's built into your card, so you can choose to settle your outstanding balance in full for zero interest or spread payments at your standard variable rate (Representative 34.9% APR variable).

No. Pay's managed exclusively by the primary account holder through your online account or Funding Circle app. This keeps bank transfers under your direct control while employees use their physical or virtual cards for routine company spending.

Transfers land the same day when you make a request before 2pm on a working day. Payments always arrive under your business name to maintain clear records with your suppliers.

Yes. Transfers automatically feed into your Xero, Sage, or FreeAgent accounts alongside your standard card spending.

A cashback credit card lets you turn your day-to-day business spend into cashback with your card. It works like a personal credit card, but for business expenses.

You'll earn 2% cashback for the first 6 months on all card spend after you open your account, then 1% uncapped cashback after that.

The time limited offer rate of 2% cashback for the first 6 months starts from the date your application was approved and is capped at £2,000 cashback.

Our Representative APR is 34.9% (variable). Representative means that most customers are given this rate or better. Please note that rates and credit limits are subject to a full credit assessment.

Variable means the rate you repay may change over time. It moves in line with the Bank of England Base Rate, and may also vary depending on your individual circumstances, either when you apply or afterwards.

If you repay your statement balance in full by the due date every month, you won't be charged interest on your purchases.

Your Cashback card is designed to reward you for everyday business expenses, like travel costs, team lunches or socials, office supplies, shipping and more. And 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. Credit limits and rates are subject to a full credit assessment. 

At the end of each monthly billing period, we'll send you a statement. It'll show all your transactions, the cashback you’ve earned, your total balance and the minimum repayment due.

You'll then have 12 days once your statement has been generated to make a repayment. You must set up a direct debit so that your repayment can be taken automatically on the given date.

Once your statement gets generated, you’ll need to repay at least 10% of the statement or £100, whichever’s higher. You can choose to repay off more if you prefer, or settle the balance in full. You can change your Direct Debit settings in your account up to 3 working days before your due date, or make a manual repayment. Please note, if your outstanding balance is less than £100, you’ll need to repay the full amount. 

Yes, you can track and manage your transactions, and authorise larger card transactions, easily within our app. Simply search for Funding Circle in the Apple App Store or Google Play Store to download it. You can also view your transactions and download your card statements by logging into your online account on our website.

We currently support integrations with FreeAgent, Xero and Sage. Connecting your accounting software allows us to automatically sync your transactions to your selected provider. This saves you from having to manually upload documents and helps keep your books up to date. For more information please see our FAQ page.

Some credit cards are covered under Section 75 of The Consumer Credit Act 1974 which provides protection to consumers when making purchases using credit cards. This makes the credit card company jointly liable with the retailer for goods and services purchased using the credit card.

However, Section 75 of The Consumer Credit Act 1974 protects private individuals, rather than businesses or other organisations and therefore Section 75 protection does not apply to transactions made using the Cashback card.

Yes, your Cashback card lets you spend anywhere in the world and get the same 2% cashback for the first 6 months (up to £2,000), then 1% uncapped cashback after that. And you’ll benefit from no foreign exchange fees, so you avoid draining your spend on unfair fees and reverse the flow with more savings.

Company cards let the main account holder easily issue multiple business credit cards to your team at zero monthly or annual cost. You maintain total oversight through an intuitive dashboard, where you can set individual spend limits for your whole team. Every pound spent across the business contributes to your cashback, turning the card into a strategic credit tool.

To be eligible for the Funding Circle Cashback business credit card your business needs to:

• Be based in the UK
• Be a limited company

• Have at least 1 year of trading history
• Have an annual turnover of at least £30,000

Already have FlexiPay or another Funding Circle loan? Our Cashback card is not yet available for existing customers, we’ll be in touch as soon as this is available to you.

Yes. Putting larger bills like VAT or tax onto your card can help protect your cash reserves. It lets you spread the cost of essential spend, while getting paid back at the same time.