Flexible credit solutions for business expenses
Business credit cards — also known as corporate credit cards — make it easy to access additional funds when you need them, control cash flow, track expenses and spread costs.
How do business credit cards work?
A business credit card gives you a credit limit based on your business's credit profile. Most providers offer an interest-free period — typically 45 days, sometimes up to 90 — so if you clear the balance in full each month, it can be a genuinely low-cost way to manage short-term spending.
Cash flow management
Use it as a revolving facility for short-term expenses — paying suppliers, covering renovations or topping up working capital.
Expense tracking & control
Set individual spending limits for employees and keep on top of day-to-day business costs.
Interest-free periods
Most providers offer 45–90 days interest-free, so you only pay if you carry a balance beyond that term.
Build business credit
Paying on time consistently helps build your business credit profile for future finance.
What a business credit card can help with
A flexible tool for everyday spending and short-term cash flow needs.
Employee expense cards
Issue cards to your team with individual limits, so spending stays visible and controlled.
Interest-free spending
Clear the balance within the interest-free window and effectively borrow at no extra cost.
Emergency working capital
A ready credit line for unexpected costs, without needing to apply for a new facility each time.
Supplier & operational payments
Cover day-to-day supplier and operational costs while managing your cash flow timing.
When to consider business credit cards
A snapshot of the situations our panel most commonly helps clients with.
- Managing short-term expenses without dipping into working capital
- Giving employees controlled spending limits
- Taking advantage of an interest-free repayment window
- Building a business credit profile ahead of larger finance needs
Business Credit Cards, answered
Common questions we hear most often from businesses like yours.
Your credit limit is based on your business's credit profile and financials — providers assess this individually as part of the application.
Find the funding built for your business
Speak to a funding specialist today, or check your eligibility online in under a minute — no cost, no obligation.