Revolving facility
A business line of credit built for British SMEs.
Say goodbye to cash-flow worries. With Aldgate Capital, you’ll have working capital at your fingertips whenever you need it — and only pay for what you use.
Access up to £500,000
Only pay for what you draw
Draw funds as you need them
Flexible weekly repayments
£800M+
Funded to UK SMEs
24 hrs
Typical funding time
9 of 10
Approval rate
£800M+
Funded to UK SMEs
Overview
What is a business line of credit?
A business line of credit is a flexible financing option that lets your company borrow up to an agreed limit, repay, and draw again — without re-applying. Unlike a traditional term loan, which gives you a single lump sum, a line of credit gives ongoing access to funds.
You only pay interest on the amount you actually use, making it one of the most cost-effective ways to manage cash flow, cover unexpected costs or seize an opportunity the moment it appears.
Eligibility
Lines of credit, made simple.
We’re committed to saying “yes” more often. To qualify for an Aldgate Capital Line of Credit, you’ll need:
An active UK company number
Sole traders, Ltd companies and LLPs welcome.
At least 9 months of trading
Established but still growing — that's our sweet spot.
Minimum monthly revenue of £20,000
Consistent turnover so we can size your facility correctly.
How it works
From application to funds, in three steps.
Application
Apply online in under 5 minutes. Tell us about your business — we’ll take it from there.
Assessment
Our UK loan specialists assess your application quickly, with no hard credit check.
Funding
Approved in as little as 3 hours, with ongoing access to funds whenever you need them.
Why Aldgate Capital
Fast, flexible and forward-thinking financing for SMEs.
Get funds and move on
Application and approval streamlined so you can focus on running the business.
Fast and friendly
Approved within 3 hours and funded the same day, with a dedicated UK specialist.
High approval rates
Bad credit score? Existing loans? We assess your business as a whole.
No credit checks to apply
Conditional offers without a hard search — your score stays intact.
Flexible repayments
Daily and weekly repayment options to fit your cash flow.
Early payment discounts
Pay off early, save more. We reward responsible borrowers.
What it's for
Designed for the way British
businesses really work.
Smooth cash flow
Bridge gaps between invoices, payroll and supplier payments.
Buy stock in bulk
Take advantage of supplier discounts and seasonal opportunities.
Cover unexpected costs
From kit repairs to last-minute compliance work.
Fund growth marketing
Test new channels with the working capital to back them.
Trusted by UK SMEs
The lender business owners
actually recommend.
Frequently Asked Questions
Get answers to common questions about our loan process
A traditional loan gives you a single lump sum that you repay over a fixed term. A line of credit is a revolving facility — you can draw funds up to your agreed limit, repay, and draw again. You only pay interest on the amount you've actually used.
Aldgate Capital offers facilities from £10,000 up to £500,000, depending on turnover, trading history and overall profile. Most customers settle on a facility that mirrors a comfortable monthly draw-down.
Not at all. The facility sits ready in the background and you only pay interest on what you draw. You can leave it unused at no cost and dip in when an opportunity or cash-flow squeeze arises.
No. We can make a conditional offer without running a hard credit search, so applying with Aldgate Capital does not leave a footprint on your file.
Most applications are conditionally approved within 3 hours. Once approved, drawn funds typically land in your business account the same working day.
We fund SMEs across nearly every UK sector — retail, hospitality, construction, professional services, e-commerce, transport, healthcare and more. We're sector-open and case-led.
Apply in 5 minutes
Working capital, ready when you are.
Apply for your line of credit in under 5 minutes. no impact on your credit score.