Access cash when you need it with a line of credit that's tailored to your business. Drawdown as you need and only pay for what you use.

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  • Line of credit from £10K - £250K

  • Indicative offer in 1 minute

  • Simple pricing, no hidden fees

Business finance, finally fixed

  • Funds on demand

    Draw the funds you need, for what your business needs, whenever you need it. Get money in your account within seconds every time you make a withdrawal.

  • Only pay for what you use

    Pay for the funds you drawdown, nothing more. No fees to open or maintain your line. No early repayment fees. No monthly maintenance fees. No annual fees. No surprises.

  • Quick application, quick approval

    With our smarter credit scoring, we don’t need days to tell what credit you can get. We take just minutes. And by connecting to your bank and accounting software, we’re ensuring it’s the right credit for you.

  • Finance that fits your business

    We believe your business should get the credit line that suits your business’ size. So, as your business grows, so can your line. We give your business the credit it deserves.

  • Access more funds automatically

    Drawdown when you want. Once you make a repayment, your line replenishes, so you can drawdown again, if you want.

  • Build your business credit

    Help build your business’s credit by making your repayments on time, which we report to the credit bureau.


As a small business your challenges are numerous. And we know you need to act quickly to keeping going, and to get ahead. You spot a gap, you see an opportunity, you foresee a bump in the road. Just as you need to be able to make quick decisions, at times you need to be able to access extra funding immediately. No more waiting for outstanding invoices, or wading through the mud with traditional banks to get credit. With a flexible business credit line you get immediate access to finance when you need it.

What could you use your credit line for?

  • Managing cash flow

  • Remodelling and renovation

  • Purchasing stock

  • Hiring more staff

  • Bridging receivables

  • Investing in large projects or orders

If you weren’t eligible for a government-backed loan, or couldn’t get the
amount you needed we could still help.

Get financing now

The pros and cons of a credit line


  • Fully digital - even signing the legals. No paperwork or printing

  • Apply once, access your fund immediately and whenever you need

  • Only pay for what you use, and use as much or as little as you want

  • Once you’ve repaid some of your finance, you can use it again if required


  • Not suitable for startups. You need to be an established business with a good track record

  • At the moment, you can’t secure against your assets or property to get a bigger limit. We’re looking into this!

  • Not suitable if you want to spread the cost of borrowing over a number of years


Compare the benefits

FIBR 12-month
 line of credit

FIBR 24-month
 business loan

Business credit cards


Instant firm offer Get decision in 1 day

Drawdown and repay as often as you like

Transparent, fixed pricing

No ongoing interest or annual fees

No early repayment penalties

Facility size

Up to £250K

Up to £250K

Up to £10K

Up to £25K

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You can also email or call us on +44 117 325 7531. We’re here to help!
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