Article 23

Invoice finance vs business credit cards

Business credit cards are good for small expenses but won't grow in line with your business.

Relying on credit cards can be expensive in the long run, and any issues with repayment may affect your credit rating and ability to get finance later on.

Invoice finance can offer higher limits that will scale with your business, without the credit risk.

Business credit cards


Flexible limits of up to £3m, which scale as your business grows.

Typically £1-5k, inflexible and rely on credit rating rather than revenue


You pick and choose the invoices you want to finance.

Use when you like, but can impact your credit rating.


Simple fee structure. Pay interest only on what you need.

Fixed, high interest rate and charges for going over your limit..


Apply online in just 15 minutes, decision within 24 hours.

Up to 2 weeks to apply and receive the card.


Log in anytime to see your account or speak to your dedicated account manager.

Paper statements and customer service call centres.

Want to find out more?


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