Credit products
Rates and terms are provided after review of your business and use of funds.
No annual fee on the credit line
Interest on drawn balances only
No personal guarantee for qualified businesses
Pricing & rates
Clear economics before you commit to anything.
Pricing reflects the product, your business profile, the use of funds, and final underwriting—not a one-size-fits-all headline rate.
$0
Annual fee on the credit line
Draw-only
Interest applies to the balance you use
$0
Cost to apply or use our tools
In writing
Terms presented before any commitment
Figures shown are illustrative and apply to qualified businesses. Availability, rates, fees, limits, and terms depend on eligibility, underwriting, approval, and final agreements.
The rate is one line of a five-line decision
Businesses are trained to shop for financing on a single number, and lenders are happy to compete on it. It is a poor way to choose. A facility with an attractive rate and a rigid monthly schedule can strain a seasonal business far more than a slightly costlier one that flexes with collections.
The five things worth comparing are total cost over the period you will really hold the balance, speed of access, repayment shape against your cash cycle, obligations such as covenants or reporting, and flexibility—including what early repayment costs. Ask any provider for all five in writing, including us.
Our approach is to price after we understand the business. That is slower than publishing a headline figure, and it is the reason the numbers we give you are numbers you can plan against.
How pricing works
Understand the full cost, not one number.
Review rate, access, timing, repayment, and flexibility together.
Payments
Service and transfer fees depend on the final product configuration for your account.
Approval routing included
Clear workflow visibility
Records ready for reconciliation
Corporate cards
Card program economics are confirmed for each approved account.
No annual card fee for qualified accounts
Unlimited virtual cards
Spend controls and instant freeze
What shapes your final pricing
| Factor | Why it matters |
|---|---|
| Product type | A revolving line, a revenue-based structure, and equipment finance carry different risk and term profiles |
| Business profile | Trading history, financial position, and industry context |
| Use of funds | A clear, productive use of capital is easier to price than an unspecified need |
| Term and structure | How long the facility runs and how repayment is shaped |
| Documentation quality | Complete, current records reduce uncertainty—and uncertainty is expensive |
Pricing is confirmed in writing after review. Nothing on this page is an offer of credit.
Client-provided product claims are shown for qualified businesses. Availability, rates, fees, limits, and terms are subject to eligibility, underwriting, approval, and final agreements.
Questions & answers
Pricing questions, answered plainly
What businesses ask us before they apply.
Why don't you publish a single interest rate?
Because a published rate is only honest for the narrow set of businesses it was calculated for. Pricing on credit reflects the product, the business profile, the use of funds, the term, and the outcome of underwriting. Publishing one number would mean most visitors read a figure that does not apply to them.
What does 'no annual fee' actually cover?
For qualified businesses there is no annual fee on the credit line and no annual card fee. Other elements of a product configuration—such as specific transfer or service fees—depend on how your account is set up and are stated in writing before you sign anything.
How should we compare two financing offers?
Compare five things together, not just the rate: total cost over the period you will actually hold the balance, how quickly you can access funds, the repayment shape against your cash cycle, any covenants or reporting obligations, and what happens if you repay early. A lower rate with a rigid schedule can cost more in practice than a slightly higher one that flexes.
Is there a cost to apply or to use the calculator?
No. The credit calculator and financial health check are free, educational, and involve no credit check. An application costs nothing to submit; it is reviewed and you are told what the outcome and terms would be before any commitment.
When will we know our actual pricing?
After review. Once we have your financials, bank activity, and a clear use of funds, pricing and terms are presented in writing for you to consider, alongside the structure they apply to.
A better financial operating system
Get pricing shaped around your business.
Tell us how your business operates today and where you want it to go next.