A business credit card is a physical or virtual credit card designed to help SMEs conveniently manage everyday expenses, improve cash flow and separate personal finances from business transactions. Ideal for regular spending, business travel, or unexpected purchases, these cards provide flexible credit with manageable repayments.
Tailored to small and medium-sized businesses, we’ll help you apply for a Visa-based business credit card that makes managing expenses simple and rewarding. Enjoy immediate access to funding with online application, instant virtual card activation, an attractive 1% uncapped cashback on all spending, and over a month's interest-free credit. Additionally, this solution integrates effortlessly with your existing accounting software, giving you greater control and simplifying your financial management. The Pro plan also includes unlimited airport lounge access.
Boost your business cash flow with a unique credit solution that offers flexible funding and rewarding benefits.
Guavas Finance has partnered with top lenders to bring you one of the best options available. This business credit card is designed to give your business immediate, flexible access to funds with a range of benefits. Your business receives personalised credit solutions, starting with tailored credit limits ranging from £1 000 to £75 000, which can grow up to £250 000 as your business evolves. Once your application is approved, you’ll get instant virtual card activation and your physical, universally accepted VISA card will arrive within a couple of days. Start managing short-term cash flow gaps smoothly with the ability to spend interest-free for up to 42 days.
Forget the hassle of hidden charges. This business credit card offers transparent pricing, with no FX or ATM withdrawal fees and clear, competitive APRs based on your business profile. Choose the Free plan to avoid annual fees.
Every purchase brings rewards, with 1% uncapped cashback redeemable directly into your business bank account. For added value, Pro Plan users can convert cashback points into Avios at a 1:1 rate and receive unlimited airport lounge access, enhancing your business travel opportunities.
Preload your own funds to complement credit limits, and add supplementary cards for staff at no additional cost. Set spending limits, monitor transactions and manage cards with real-time visibility. Plus, seamless integration with popular accounting software such as QuickBooks, Sage and Xero makes tracking and reporting business expenses simple.
The business credit cards offered by our lender partners are perfect for UK-based private limited companies (Ltd) and limited liability partnerships (LLP). To qualify, your business must:
At Guavas Finance, we understand the unique financial challenges SMEs face. A business credit card is more than just a funding solution - it’s a smart financial tool designed to save you money, simplify expenses and support your business growth.
Get in touch to apply today and take control of your business finances with confidence and ease.
We’ve picked the best lending partners who offer plans to suit different business needs and preferences. Choose from two carefully designed plans: the Free plan, offering essential benefits with no monthly fee, or the Pro plan (£299 per year) with exclusive advantages like a premium metal card and unlimited airport lounge access.
Free Plan
Ideal for businesses seeking straightforward financial solutions without monthly costs. The Free plan gives you instant access to funding, 1% uncapped cashback on all your purchases, seamless integration with accounting software, and up to 42 days interest-free credit.
Pro Plan (£299/year)
The Pro plan enhances your experience with premium features designed for frequent business travellers and businesses wanting additional perks. It includes all benefits from the Free plan, plus a premium metal card, unlimited airport lounge access and an enhanced travel rewards experience, providing greater value for businesses looking for an elevated level of comfort and convenience. You can also convert rewards points to Avios at a 1:1 rate (10 points = 10 Avios) and earn 1.25% cashback on all preloaded spend with Pro cards.
One of the primary benefits of invoice financing is improved cash flow. By accessing immediate funds through invoice financing, businesses can meet their day-to-day expenses, pay employees, invest in growth opportunities, and cover any unexpected costs. This eliminates the need to wait for extended payment terms, helping businesses maintain a steady flow of working capital.
Traditional bank loans can be time-consuming and require extensive paperwork, while invoice financing offers a quick and straightforward alternative. Once a business submits its invoices to the factoring company, it can receive a significant portion of the invoice value within a short period, usually within 24 to 48 hours. This rapid access to funds enables businesses to promptly address their immediate financial needs.
Late or non-payment of invoices can lead to bad debt and financial instability for small businesses. With invoice factoring, the factoring company assumes the risk of collecting payment from customers. This reduces the business owner's worry about non-payment, allowing them to focus on core operations rather than chasing after unpaid invoices. Businesses can protect their cash flow and mitigate potential losses by transferring credit risk to the factoring company.
Invoice financing is a flexible solution that grows alongside the business. Unlike traditional loans, which often have fixed borrowing limits, invoice financing allows businesses to access funds based on their sales volume. As the business expands and generates more invoices, the available funding increases accordingly. This scalability makes invoice financing an attractive option for small businesses looking to manage their cash flow efficiently.
Unlike other financing types, invoice financing does not typically require business equipment or physical assets as collateral. The invoices themselves act as the collateral, making it accessible for businesses that may not have significant assets to pledge. This opens up opportunities for businesses that may not qualify for traditional loans due to a lack of collateral or limited credit history.
Invoice financing often comes with additional benefits, such as credit control services provided by the factoring company. Factoring companies specialise in managing credit collections and monitoring customer payments and take that responsibility on as part of their invoice finance service. This proactive approach to credit control ensures a healthier cash flow and minimises the impact of bad debt on the business. It also relieves businesses from the burden of credit control tasks, allowing them to focus on core business activities.
Invoice financing can be a cost-effective solution compared to other forms of financing. While costs are associated with invoice financing, such as factoring fees or discount rates, the benefits gained, such as improved cash flow and credit control, often outweigh the expenses. Because this is essentially a "secured" form of debt, it can be significantly cheaper than alternatives like loans and overdrafts. Businesses must evaluate the overall impact on their financial health and growth potential when considering invoice financing.
A business credit card helps SMEs manage expenses, improve cash flow, and earn rewards on purchases. It provides immediate access to credit with flexible repayment options and cashback incentives.
Guavas Finance specialises in unlocking tailored funding solutions for UK SMEs. We partner with lenders to offer you the best products, clear guidance, and ongoing support so you can focus on growing your business.
This Visa-based business credit card is designed for UK SMEs that want rewards, simplicity and control. This business credit card can help your business thrive with up to 42 days interest-free, flexible limits and effortless cashback on your daily purchases. Key benefits include 1% uncapped cashback on all purchases, up to 42 days interest-free credit on card spending, and seamless integration with accounting software like QuickBooks, Sage and Xero.
Online application takes about 10 minutes, with instant approval and immediate access to a virtual card for same-day spending. Your physical card will arrive within 2-3 business days.
Your business must be a UK-based private limited company or limited liability partnership, trading for at least 12 months, with a minimum turnover of £24,000 annually and no recent CCJs.
The Free plan includes standard features and cashback rewards at no monthly fee. The Pro plan (£299/year) adds premium perks such as a metal card and unlimited airport lounge access, enhancing your business travel experience.
© 2026. Guavas Finance Ltd
© 2026. Guavas Finance Ltd
