Business Credit Lines

Capital for when your business needs it.

A flexible credit facility that gives your business access to a pre-agreed funding limit — draw down what you need, when you need it, and only pay interest on what you use.

Apply for Funding
Speak to an Advisor
£100k+ Minimum facility
Pre-Agreed Funding Amount
Perfect For Managing Cash Flow

OUR SOLUTIONS

Funding Solutions for Growing Businesses

Abbey Road Capital offers a range of flexible lending solutions designed to support business growth, acquisitions and strategic opportunities.

Business Credit Lines

A credit line for your business, draw down when you need and pay interest on what you use.

Learn More

Amount

£100,000+

Product

Term loan facility

Interest

Priced per deal

Fees

Completion fee applies

WHAT IT’S USED FOR

Flexible capital, ready when opportunity arrives.

A Business Credit Line is ideal for businesses that need ongoing access to capital rather than a single lump sum — giving you the flexibility to act quickly when it matters.

01

Working Capital Buffer

Maintain a financial cushion for day-to-day operational costs without tying up cash reserves or taking on unnecessary fixed debt.

02

Managing Payment Cycles

Bridge the gap between invoicing and payment — particularly useful for businesses with longer payment terms or lumpy cash flow.

03

Opportunistic Purchasing

Move quickly on bulk stock, discounted inventory, or time-sensitive supplier deals without waiting for cash to free up.

04

Contract Mobilisation

Cover the upfront costs of delivering a new contract — staffing, materials, or equipment — before revenue from that contract begins to flow.

05

Business Development

Fund sales activity, tenders, or market entry costs with a facility that draws down as spend occurs and repays as revenue returns.

06

Contingency Planning

Have a pre-approved facility in place so your business can respond to unexpected challenges or opportunities without delay.
THE PROCESS

From application to available funds.

Submit Your Enquiry

Tell us about your business and what you need the credit line for. An initial conversation is all it takes to get things moving.

Speak With Our Team

One of our lending professionals will discuss your requirements, understand your cash flow cycles, and assess the right facility size for your business.

Receive a Tailored Proposal

We agree a credit limit and terms structured around your business — including drawdown mechanics, interest rate, and any applicable fees.

Funding Delivered

Once in place, you can draw funds as needed up to your agreed limit. Interest accrues only on the balance drawn, and repaid funds become available to draw again.

Typical Eligibility

  • UK-registered limited company (2+ years trading)
  • Minimum annual turnover of £500,000
  • Clear and demonstrable use for the facility
  • Ability to demonstrate repayment through cash flow
  • Business bank account in company name
  • Director personal guarantee required
Business Credit Line Calculator – Abbey Road Capital
Credit Line Calculator

How much will your credit line cost to use?

A Business Credit Line works differently to a term loan. You're approved for a set limit and only pay interest on what you actually draw — so your repayments reflect what you use, not the total facility.

How a credit line is priced

You set a credit limit — the maximum available to your business. You then choose how much to draw down. Interest is charged only on the drawn amount, and a 1% arrangement fee applies to each drawdown. As you repay, your available balance is restored.

  • Credit lines from £100,000+
  • Interest charged only on what you draw
  • 1% arrangement fee per drawdown
  • Repay and redraw as your business needs
  • Rates from 10% per annum on drawn balance
Figures are illustrative only. Your actual credit limit, interest rate, and fees will be confirmed following assessment of your business's financial profile. Rates shown are per annum applied to the drawn balance only.
Your credit line estimate
Illustrative only. No impact on your credit score.
£100,000 £2,000,000
£50,000 £2,000,000
Drawn: £250,000 Available: £250,000
You only pay interest and fees on the amount drawn, not the full credit limit.
Rate applied annually to drawn balance only. Actual rate confirmed following credit assessment.
Est. monthly repayment
£0
on £250,000 drawn over 12 months
Total repayable
£0
Amount drawn
£250,000
Arrangement fee (1%)
£2,500
Total interest
£0
Total cost of draw
£0
Speak to an Advisor →
Illustrative only. 1% arrangement fee applied per drawdown. Interest at stated rate on drawn balance only. Subject to credit assessment.
Important: This calculator is for illustrative purposes only and does not constitute a credit offer or agreement. A Business Credit Line is a revolving facility — interest is charged only on the drawn balance, not the total credit limit. A 1% arrangement fee is applied to each individual drawdown. Monthly repayments shown are based on a standard amortising calculation over the selected term. Your actual credit limit, interest rate, fees, and repayment schedule will be confirmed in writing following a full credit assessment. Abbey Road Capital Ltd is registered in England, Company No. 16907324.
FREQUENTLY ASKED QUESTIONS

What you need to know.

What is a Business Credit Line?
A Business Credit Line is a pre-approved funding facility that lets you draw down capital as and when you need it, up to an agreed limit. Unlike a term loan, you don’t receive a lump sum upfront — you access funds on demand and only pay interest on what you’ve drawn.
Facility sizes start from £100,000. The limit agreed will depend on your business’s turnover, financial profile, and the purpose of the facility.
Interest is charged only on the balance you have drawn, not the full facility limit. This means if your limit is £500,000 but you’ve only drawn £150,000, you only pay interest on £150,000. (confirm and update based on actual product mechanics)
(Confirm whether this is revolving) If the facility is revolving, yes — as you repay drawn amounts, that capital becomes available to draw again, giving you ongoing access throughout the facility term.
 
It depends on what you need the capital for. A term loan is better suited to a single, defined purpose — like an acquisition or asset purchase. A credit line suits businesses that need flexible, ongoing access to capital for variable costs, working capital, or opportunistic spend. Our team can help you decide which is the right fit.

Let's talk about
your funding.

Speak directly with a member of our lending team to find out whether a Merchant Cash Advance is right for your business.
Apply for Funding
Speak to an Advisor
Apply For Funding
This is a staging environment