Growth and Funding for Businesses

Eligible businesses may be able to access flexible funding linked to card turnover through our partner YouLend. Repayments are taken automatically as a percentage of daily card sales rather than as one fixed monthly amount.

• Designed to support cash flow
• Repayments move with daily card takings
• Useful for stock, equipment, staff or planned growth
• Eligibility and terms depend on the business and the offer

Flex-Pay options may be available within the first 28 days of opening your account. The structure is designed to align repayments with how your business trades, which can feel more manageable during quieter periods.

The first advance can include a fee-free portion, with clear pricing on the rest. You pay for what you use, not the full approved balance. Eligibility, approval and terms apply; this is not a promise of funding.

Eligible businesses can apply for a business rewards credit card offering uncapped 1% cashback on spend made on an unlimited amount of company cards. Used carefully, the rewards may help offset acquiring costs or make business purchasing more flexible.

• Separate business expenses from personal spending
• Potentially earn cashback on company spend
• Use as part of a wider financial plan
• Eligibility, approval and card terms apply

Funding is only useful if it fits the business. Start with the payment setup and the cash-flow need, then look at the available options and their terms. I will explain what is available; you decide whether it is right for you.