Business Line of Credit

Acquire a Small Business Loan based upon your Monthly Sales

What we offer

Unsecured Business Loans

A traditional Loan Facility with no rates starting as low as 1.3% APR.

Invoice Finance

Release funds tied up in your invoices within 24 hours.

Secured Business Loans

A Business Loan with security offered, typically a property or asset, with equity attached.

Asset Finance

Gain funding, or refinance, assets in your business, such as equipment, plant or vehicles.

Benefits of a Business Line of Credit

Business Line of Credit facilities are loans that protect your cashflow, ensuring that it remains steady. The amount you can borrow is calculated upon the amount of sales you process that month, therefore allowing you to have access to your owed monies before you would naturally.

This product not only increases your cashflow, but is tailored to your business, allowing for flexible repayments. This funding solution is ideal for those with a good business profile, such as a strong credit score, and business assets.



Unless you are a new start-up company, the minimum turnover most lenders will deal with is £100,000 turnover.

Trading History

Similarly to Turnover, start-up companies can get funding. Once you have filed accounts for the year, we can then apply you as a fully-fledged trading business.

UK Registered Businesses

Due to us dealing with UK Based Lenders, we can only find funding solutions for UK Registered Businesses.

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How much will a Business Line of Credit cost?

A Business Line of Credit requires a return on the only the amount of funds actually spent, and a small interest (%) fee will be added.

Am I eligible for a Business Line of Credit?

Eligibility varies largely from lender to lender, with some much more flexible, some much less. The basic criteria for applying for a Business Line of Credit facility is as follows:

£100k minimum turnover
UK Registered Business

If you don’t meet this criteria it isn’t the end of the road, other funding options are available, and this can be discussed with one of our consultants.

How long does it take to arrange a Business Line of Credit?

A Business Line of Credit can be arranged very quickly for your business. It works similarly to a Business Loan, meaning it can be processed within a week in some cases.

How much money can I get through a Business Line of Credit?

A Business Line of Credit loans funds against your monthly gross sales, meaning as much money as you can make, you can access.

Why JD Capital Finance?

We are not your average broker. We strive to find you the perfect funding facility for your business, in the easiest way possible. We designate a member of our team of specialist finance consultants to you, walking you through the entire process until the funds are in your hands.


“  Perry & JD Capital Finance have been incredibly helpful from start to finish. They helped secure a CBILs package even when many lenders had stopped considering new applications. They've informed us of new developments every step of the way and have helped us through this uncertain time. Nice one, guys! ”

Reviews from our clients

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Disclaimer: JD Capital Finance helps UK firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. JD Capital Finance can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. JD Capital Finance may receive a commission or finder’s fee for effecting such introductions.

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