Business finance, Finally fixed

Get approved for a flexible line of credit or invoice finance facility in as little as 7 minutes.

  • Credit lines from £10K - £1M

  • Invoice finance facilities from £10K - £100K

  • Instant access to approved funds

  • Only pay for what you use

  • APR equivalent of 7.6 - 26.7%

4.0% fee of £4,000.00

7.6% APR equivalent

£104,000.00 total repayment amount

Your business, your terms.

Get the finance that’s fit for your business.

Get your invoices paid now

Smooth your cashflow using your invoices. Get approved for a line of credit of up to £100k.

  • £10K - £100k credit line

  • Repayment term 3 or 6 months

  • Single fee: 1.5 - 7% of each drawdown(9.4 - 26.7% APR equivalent)

  • Personal guarantee and debenture

Get a cash injection

Cover larger costs, or grow your business with a pre-approved line of credit of up to £1m.

  • £10K - £1M credit line

  • Repayment term 12 months

  • Single fee: 4 - 10% of each drawdown(7.6 - 19.6% APR equivalent)

  • Personal guarantee

Financing for

The credit you deserve

Enjoy the flexibility of a business line of credit. Draw as you need and pay only for what you use.

No hidden costs
What you see is what you get.

When you draw down your available funds, you’ll be charged a clear-as-day one-off fee. No ongoing interest. No hidden fees. No repayment charges. No surprises.

Smarter credit-scoring.
Smarter credit.

By looking at more factors than traditional lenders, and seeing it from multiple angles, we’re able to provide the right amount of finance for your business, and a better rate.

Access your funds.

Once you’ve agreed to your credit line,
your funds are available to you immediately.
When you need them. It’s your credit,
why should you have to wait for it?

How Fibr's capital product works

  • 1

    Apply online in 7 minutes

    Provide us with basic information about your business and connect your bank accounts and accounting software to get your offer. We’ll then run our verification checks and you’ll have access to your funds within one business day.

  • 2

    Instant access to funds

    Log into your dashboard and drawdown the funds you need. It’s that easy. Your cash will be in your business bank account instantly.

  • 3

    Automated repayments

    Pay back each drawdown with fixed monthly payments via direct debit over your approved term - 3, 6, or 12 months. You can even pay in early with no penalty fees.

  • 4

    Access more funds

    As you pay off your outstanding balance, your available funds are automatically replenished.


  • Limited company, registered in the UK

  • £100K+ turnover

  • 1+ years in business

  • Less than 50 employees

  • 75%+ ownership UK residents

Fibr integrates with your accounting tools

FIBR integrates seamlessly with your online accounting software and bank accounts to determine the best loan rate and terms available to your business.

Get your offer in minutes

Time is money. Which is why you can get your firm offer in under 10 minutes, and access to funds in as little one business day.

Start your application →