Business Credit Cards

Flexible, short-term financing to manage everyday business expenses with ease

What Are Business Credit Cards?

Business credit cards are short-term borrowing tools designed specifically for companies, sole traders, and freelancers. They allow you to manage day-to-day business expenses, improve cash flow, and separate personal and business spending — all while building your company’s credit profile.

Whether you’re covering travel, marketing, subscriptions, or unexpected costs, a business credit card offers convenience, flexibility, and control.

At The Funding Group, we help UK businesses compare and secure the most suitable credit card options based on your business needs, spend levels, and financial goals.

Types of Business Credit Cards

There are a range of business credit cards available to suit different industries, company sizes, and usage habits:

Standard Business Credit Cards

  • Designed for regular day-to-day expenses

  • Ideal for small businesses, startups, and sole traders

Cashback & Rewards Credit Cards

  • Earn cashback, points, or travel rewards on business purchases

  • Great for companies with high monthly spend or regular suppliers

Balance Transfer Business Cards

  • Consolidate and manage existing credit card debt

  • Benefit from low or 0% interest offers for a set period

Business Charge Cards

  • No pre-set spending limit but must be paid in full each month

  • Suited to established businesses with consistent cash flow

Corporate Credit Cards

  • For larger firms with multiple cardholders and higher spend limits

  • Offers centralised expense tracking and reporting tools

Typical Terms & Key Features

  • Credit limits: Typically £1,000 to £250,000+ depending on business status

  • Interest rates: 0% to 24.9%+ APR (variable)

  • Annual fees: Some cards are free; others charge £30–£150 depending on benefits

  • Introductory offers: 0% interest, balance transfers, or reward bonuses

  • Repayment terms: Minimum monthly payments or full monthly balance

  • Expense tracking: Online dashboards, employee cards, and accounting integrations

We help you compare cards across providers and choose the right fit for your budget and growth plans.

Who Can Use a Business Credit Card?

Business credit cards are available to:

  • Startups and sole traders

  • Small and medium-sized businesses (SMEs)

  • Freelancers and consultants

  • Limited companies and partnerships

  • Businesses with regular or fluctuating short-term expenses

Even new businesses or those with limited credit history may qualify with the right setup or director guarantees.

Benefits of Business Credit Cards

  • Flexible access to short-term funds

  • Separate personal and business finances

  • Improve your business credit rating

  • Manage cash flow more effectively

  • Earn cashback, rewards, or travel points

  • Track and categorise spending easily

  • Employee cards for team purchases and expenses

Whether you’re building your business or smoothing out cash flow, a business credit card offers accessible, low-maintenance finance.

Need Help Choosing a Business Credit Card?

At The Funding Group, we compare top credit card providers to help you find the right business card for your cash flow, spending habits, and financial goals. Whether you want low interest, high rewards, or multiple user cards, we’ll guide you to the best options.

Get in touch today for a free comparison and application support.