Flexible working capital that works like an overdraft
The Flexible Trade Account gives your business flexible access to working capital, with funds available up to an agreed limit.
It works much like an overdraft in day-to-day use, but is supported by your unpaid B2B invoices in the background - helping many businesses access more flexible funding that adapts as they trade.
How it works
A simple, always-on way to manage working capital
Apply online and connect your accounting software and bank account
We assess your trading activity and invoices
An agreed limit is set for your business
Use funds as needed, up to your available amount
Customer payments automatically reduce what you owe
There’s no need to request funding against individual invoices.
Why businesses choose a Flexible Trade Account
Access funds when you need them, up to an agreed limit
No manual invoice submission or funding requests
Automatic repayment as customers pay their invoices
Clear, real-time view of available funding
You stay in control of your customer relationships
Faster access to funding once your account is set up
Use funds when you need them – a discount margin applies only to the amount you draw
Who the Flexible Trade Account is designed for
The Flexible Trade Account is designed for UK-based B2B businesses that invoice their customers and want flexible access to working capital.
It is typically suitable for businesses that:
Are a UK limited company
Trading B2B
Annual turnover of around £1.7m* or more
Meet the EU SME definition (i.e. not a micro business)
Use a supported accounting platform (currently Xero or FreeAgent)
Invoice UK customers in GBP
What you’ll need to apply
Applying is quick and straightforward. To complete your application, you’ll be asked to:
Provide basic business details
Connect your accounting software
Connect your business bank account using secure Open Banking
Provide director and ownership information
In many cases, the online application can be completed in just a few minutes.
Fees and important considerations
Use funds when you need them – a discount margin applies only to the amount you draw
The Pricing is split into two parts:
A borrowing cost set by the bank, typically charged as a margin linked to the Bank of England base rate
A monthly service fee for the Flexible Trade Account platform, payments, and automation
The facility is supported by your business’s unpaid invoices
Ongoing access to accounting and bank data is required for the account to operate
Your available funding can change if invoice eligibility or data access changes
If you’ve been invited to apply, you can start your application online.
