GrowthLine: your flexible line of credit

Borrow up to £2m* of flexible working capital finance.

Apply now for free
Introducing GrowthLine

What keeps you up at night?

For many British entrepreneurs, it’s cash flow. Managing cash effectively is key to operating a successful, sustainable business. But it’s not always an easy task.

To make matters worse, bank funding for smaller businesses has dried up in recent years. Growth Street research suggests that between 2008 and 2018, overdraft lending to businesses reduced by as much as £18bn.

We designed GrowthLine to tackle this problem. GrowthLine is a revolving credit facility that lets your business unlock cash tied up in your unpaid invoices, stock and/or work in progress. You have access to a line of credit that works much like an overdraft: once you have your limit, you can draw down funds and make repayments as often as you like in a given month. Best of all, you only pay for what you use: if your balance stays at £0 throughout a month, that period won’t cost a penny.

GrowthLine is designed to help business owners deliver on their plans for growth. It’s fuel for growing businesses.

How does it work?

Our borrowers have access to a limit between £25k and £2m.*

We use businesses’ assets to work out exactly how much credit we can offer. We then agree rates at which we can lend against those assets.

So what do we lend against, and what are our maximum rates?

Calculating your limit

Once we know the value of a customer’s assets and we’ve agreed rates, we can get closer to understanding what GrowthLine limit we might be able to offer. To find out more about how we calculate limits, download our credit crib sheet.

Is my business eligible?

GrowthLine is available to businesses which:

  • Are registered in the UK

  • Have a majority of directors and shareholders that are UK residents

  • Have been trading for at least 15 months

(There are some industry types we don’t work with. See a full list here.)

Portfolio statistics

Our exchange has channeled millions of pounds to growing businesses:

£408,179,075

Total amount matched


£88,699,643

Total amount borrowed


How does it compare?

GrowthLine Term loan Invoice finance
Drawdown and repay as often as you like*
Limit based on debtors, stock and/or work in progress
Customers continue paying into your bank account
No manual reconciliation

*Once a limit is set, you can drawdown and repay as often as you like within the month

The process

Why should your finance be fiddly?

At Growth Street, we’re transparent about our application process. (We’ve streamlined the journey a little for companies seeking a GrowthLine under £150k: pick the option that best fits your business.)

Apply now

1

Apply now and connect up your accounting platform and banking data.


2

Share your most recent set of full company accounts and three months’ bank statements.


3

We assess your application. If successful you can begin using GrowthLine!


1

Apply now and connect up your accounting platform and banking data.


2

Share your most recent set of full company accounts, monthly management information and three months’ bank statements.


3

We also need to see reports of your company’s aged debtors, stock and WIP (if applicable).


4

We assess your application. If successful you can begin using GrowthLine!

Customer story

"Banks tightened their purses just at the time we needed their support. Growth Street proved to be the most simple and effective solution for us."

Claire Spencer-Churchill
Co-Founder & Director - Claret

See all customer stories

Get your GrowthLine

Apply Now

*Terms apply.