Lender directory
UK business credit card providers
UK card providers publishing criteria for business credit cards, charge cards and revolving credit facilities. Often the first credit product for an SME — used for expenses, supplier spend and short-term cashflow. Each detail page summarises limit ranges, rewards posture and PG / director-guarantee expectations.
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
UK lenders tracked (7)
Listed A-Z. Not a ranking or recommendation.
- AE
American Express
Business Credit Card
American Express provides charge and credit cards for UK businesses, with optional working capital products for eligible existing cardmembers.
See lender profile - BA
Barclaycard
Business Credit Card
Barclaycard Business offers commercial credit cards, payment acceptance and short-term funding options for UK SMEs.
See lender profile - OT
Capital on Tap
Business Credit Card
Capital on Tap offers a business credit card with an integrated revolving credit facility for UK small businesses.
Amount: Up to £250k
See lender profile - LL
Lloyds Bank
Business Credit Card
Lloyds Bank is a UK high-street bank offering a full range of SME finance including loans, asset finance and commercial mortgages.
Amount: Up to £25k
See lender profile - ME
Metro Bank
Commercial Mortgage · Business Credit Card
Metro Bank is a UK high-street challenger bank providing SME loans, invoice finance and asset finance alongside business banking.
Amount: Commercial mortgage up to £5m at 85% LTV
See lender profile - NA
NatWest
Invoice Finance · Commercial Mortgage · Business Credit Card
NatWest is a UK high-street bank offering SME term loans, overdrafts, commercial mortgages and asset finance (via Lombard).
Amount: Standard card: turnover up to £2m; OneCard £2m+
See lender profile - SA
Santander
Business Credit Card
Santander UK is a high-street bank providing SME business loans, asset finance, invoice finance and commercial mortgages.
See lender profile
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
How to use this directory
The directory is built for research, not for ranking lenders against each other. Two lenders covering the same theme can take very different views on trading history, sector risk, security and personal guarantees. Open each lender's profile to read the eligibility breakdown by product, including common blockers, typical repayment structure and speed to funding.
Lendrly does not act as a regulated credit broker. We do not submit applications on your behalf and we do not earn commission per lender click. Provider information is summarised from publicly available material and may not be exhaustive. Where details are not publicly disclosed, the lender's page will say so rather than guess.
Related guides and directories
Frequently asked questions
- Do UK business credit cards always require a personal guarantee?
- UK business credit cards almost always require a director's personal guarantee, particularly for limited companies and at higher limits. Some bank-issued cards tied to existing business banking relationships have lighter guarantee terms.
- Can new businesses get a UK business credit card?
- A small group of card providers (notably Capital on Tap, American Express and bank-issued cards) consider newer businesses where the director has a strong personal credit profile. Limits are typically modest at first and grow with usage history.
- How are lenders listed on this page?
- Lenders appear in alphabetical order. This is not a ranking or a recommendation. Every lender is summarised from its publicly published criteria and may have other products outside this page's scope — see each lender's detail page for the full picture.
- Does appearing on this page mean approval is likely?
- No. Final terms, pricing and approval are subject to each lender's underwriting, affordability checks, credit assessment and documentation. Lendrly summarises published eligibility signals only; it cannot predict any individual application outcome.
- Is Lendrly a regulated credit broker?
- No. Lendrly is an independent education-first guide to UK SME finance. We do not submit applications, do not earn commission per lender click, and do not act as a regulated credit broker. Always confirm criteria, pricing and product availability directly with the lender before applying.
See which of these lenders may fit your business
Run the eligibility checker to compare your business profile against published lender criteria. Educational guidance only — not a quote and not a guarantee of approval.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.