Business credit cards for UK SMEs
Need a flexible way to manage day-to-day expenses? A business credit card offers convenient access to short-term funding, helping you cover operational costs like travel, office supplies, or unexpected purchases, all while keeping your cash flow steady.
Widely used by UK SMEs, business credit cards provide a rolling line of credit with the ability to spend, repay, and spend again. They often come with added perks such as interest-free periods, cash back, or expense tracking tools, making them a smart choice for businesses looking to streamline spending and boost efficiency.
What is a business credit card, and how does it work for UK businesses?
A business credit card is a financial tool designed specifically for companies to manage day-to-day expenses and improve cash flow. Unlike personal credit cards, a business credit card helps separate business and personal spending, making it easier to track expenses, manage budgets, and streamline accounting.
A business credit card is a versatile financial tool that helps UK businesses manage expenses, improve cash flow, and separate personal and business spending. It can be used to pay for everyday costs like office supplies, travel, and marketing, while offering short-term financing with interest-free periods. Additionally, it aids in building business credit, tracking employee spending with supplementary cards, and earning rewards such as cash back or travel points. Overall, a business credit card supports smoother financial management and provides quick access to emergency funds when needed.
Why choose Prospera Funding for a business credit card?
Full access to UK lenders
Access tailored business finance from £5,000 to £25M, with rates from 4.5%. Prospera Funding connects UK SMEs with both traditional and alternative lenders for flexible, fast business finance solutions.
Protecting your credit
We prioritise protecting your credit score by leveraging our lender network and industry expertise to assess your funding options without formal applications or credit checks.
Fast decisions
Our lenders offer faster funding than traditional bank loans, ideal for businesses needing quick access to working capital, cash flow, or growth. Decisions and funds in as little as 24 hours.
Transparent costs
You know your business best, and whether business finance makes sense to achieve your goals. At Prospera Funding, we simply present the best funding options, fully explain the costs, and let you decide. No risk, no commitment, and no broker fees.
Industry specialists
Our business finance specialists have expert knowledge and proven experience across multiple industries, ensuring tailored funding solutions aligned with your business goals.
Flexible options
Our lenders provide flexible loan terms, repayment options, and requirements, helping businesses find funding that aligns with their goals
Aftercare support
With expert finance specialists and a vast lender network, we deliver tailored business funding solutions and ongoing support, ensuring your company always has access to the most cost-effective finance options on the market.
Industry compliant
We work with FCA-regulated lenders and ensure full compliance with all industry rules and regulations.
How to apply for a business credit card
We make business funding fast, simple, and tailored to you. Our advanced platform intelligently matches your business with the most relevant finance solutions from a wide panel of UK lenders. Whether you’re expanding, managing cash flow, or investing in growth, we’re here to help you access the funding you need, without the hassle.
Get funded in 3 easy steps
1. Tell us about your business credit card requirements
Let us know how much you’re looking to borrow, what it’s for, and a few key details about your business. No lengthy forms, just straightforward questions.
2. Review business credit card options
We scan over 120 trusted lenders to deliver options tailored to your specific funding needs at the best rates you are eligible for.
3. Receive your business credit card within 24 - 48 hours
Once you’ve chosen the best option, we’ll support you through the application, right through to the funds landing in your account.
