Is your cashflow feeling the pressure? A business credit line (also known as a line of credit loan) from Phoenix Commercial Finance could quickly give you on-demand access to funds.
Whether you’re managing a short-term cash gap or planning for growth, a business credit line is a simpler way to manage uncertainty because you can draw-down what you need, when you need it, and only pay for what you use.
We help thousands of UK businesses arrange business lines of credit and revolving credit facilities that are fast, transparent, and tailored to how you trade.
If you’d like to speak to one of our experts about a business credit line loan, send us a message on WhatsApp or fill in our no-obligation enquiry form – we’re happy to help.
A business line of credit is a flexible funding facility that lets you draw funds as needed up to an agreed limit, a bit like a business overdraft, but with greater flexibility and often lower costs.
Once approved, you can access your credit line online and repay on your own schedule. When you repay the borrowed amount, those funds become available again, making it a revolving line of credit that’s ideal for managing cashflow or financing short-term projects.
Managing seasonal cashflow or unexpected expenses
Paying suppliers or staff during busy trading periods
Investing in stock or marketing
Keeping business capital available for growth or emergencies
Tell us about your business, turnover, and funding needs
We’ll connect you with suitable line of credit lenders and outline your options
Access your credit line loan whenever you need funds, using only what’s required
As you repay, your available balance resets, creating a continuous, revolving credit facility
Withdraw funds instantly when your business needs a boost
Interest applies only to the balance you draw
Reuse your credit limit as repayments are made
Perfect for startups and SMEs needing an instant credit line or credit line for small business
Manage your facility easily through a secure online credit loan portal
We specialise in business credit lines for new businesses looking to establish funding and revolving credit facilities for established SMEs.
Our team works with a panel of trusted UK line of credit lenders to secure flexible terms and competitive rates for your business.
Whether you need a small business line of credit, a revolving line of credit loan, or an online line of credit facility that gives you freedom to move quickly – we can help.
Whether you need a small business line of credit, a revolving line of credit, or an instant credit line to keep operations running smoothly, our experts can help.
If you’re looking to apply for a line of credit, with clear repayment terms and no surprises, apply for a Business Line of Credit Online Today or contact us on WhatsApp to get started.
You’re approved for a set limit (e.g. £50,000) and can draw funds as needed. As you repay, those funds become available again, creating a revolving credit facility UK that works like a reusable pool of capital.
Most small business credit line lenders require at least six months of trading and consistent turnover, but we also support business lines of credit for new businesses where eligibility allows.
Not exactly. A line of credit loan offers revolving access to funds that can be reused, while a standard loan is a one-off amount with fixed repayments.
Depending on the lender, funds can often be available within 1–3 working days after approval.
Yes. Some lenders offer a business line of credit for new businesses, especially where there’s strong revenue potential or personal guarantees available.
Many business credit lines are unsecured, but higher limits may require security or a personal guarantee.