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.
Line of credit from £10K - £250K
Indicative offer in 1 minute
Simple pricing, no hidden fees
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.
Managing cash flow
Remodelling and renovation
Hiring more staff
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.
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
Up to £250K
Up to £250K
Up to £10K
Up to £25K
We're here to answer any questions you may have about FIBR. Ask us anything.