A flexible way to manage working capital
The Flexible Trade Account gives your business flexible access to working capital, with funds available up to an agreed limit.
It is designed to feel simple and flexible in day-to-day use, and is supported by your unpaid business-to-business (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
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 B2B businesses based in England and Wales, that invoice their customers and want flexible access to working capital.
It is typically suitable for businesses that:
Are a limited company based in England & Wales
Have annual turnover of around £1.7m* +
Use a supported accounting platform (currently Xero or FreeAgent)
Trade B2B
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
Pricing is split into two parts:
A discount rate (the cost of using the funding) charged as the Bank of England base rate plus an applied margin
A monthly service fee for the Flexible Trade Account platform, payments, and automation
The discount rate is charged only on the funds you use, not your fully approved limit
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 balance can change if invoice eligibility or data access changes
All fees, rates, and terms are clearly set out in your personalised offer before you accept.
If you’ve been invited to apply, you can start your application online.
