LINE OF CREDIT
Flexible Business line of credit for UK SMEs
Keep your business moving with flexible access to working capital. Â TRK Finance Line of Credit allows you to draw funds when needed, repay, and reuse your available credit to support cash flow, business growth, and unexpected expenses.
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
95%
Approval rate
Up to £500,000
Available Credit Facility
24 hrs
Typical funding time
Overview
What Is a Business line of credit?
A Business Line of Credit is a flexible funding solution that gives businesses ongoing access to working capital. Unlike a traditional loan that provides a single lump sum, a line of credit allows you to draw funds when needed, repay what you use, and access available funds again without reapplying.
It is an ideal solution for managing cash flow, covering unexpected expenses, and taking advantage of business growth opportunities while only paying interest on the amount you use.
Eligibility
Business Lines of creditMade Simple
We believe access to funding should be straightforward. To qualify for a Line of Credit through TRK Finance, your business should meet the following criteria:
An Active UK Business
Limited Companies, Sole Traders and LLPs across the UK.
Minimum 9 Months Trading History
For businesses with a proven track record of trading.
Consistent Business Revenue
Suitable for businesses with regular monthly turnover.
How it works
From application to funds, in three steps.
Application
Apply online in under 5 minutes. Tell us about your business and 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 24 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 24 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.
Improve Cash
Flow
Bridge temporary gaps between customer payments, supplier invoices, payroll, and operating expenses.
Buy stock in
bulk
Take advantage of supplier discounts, seasonal buying opportunities, and increased customer demand.
Unexpected Expenses
Manage equipment repairs, emergency expenses, tax obligations, or unforeseen business costs.
Fund Business
Growth
Invest in marketing campaigns, recruitment, technology upgrades, or expansion opportunities with confidence.
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 where you can draw funds up to your agreed limit, repay, and draw again. You only pay interest on the amount you've actually used.
TRK Finance 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 24 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.