LONDON, Oct. 14, 2026 /PRNewswire/ -- UK small and medium-sized enterprises (SMEs) can now access up to £500,000 in flexible business funding through Bizcap's Line of Credit (LOC) Ultra, designed to give businesses greater control over when and how they access working capital.

With facility limits of up to £500,000 and terms of up to 12 months, LOC Ultra provides businesses with access to capital as and when they need it. Businesses only pay interest on the funds they draw, with rates as low as 0% for the first four weeks.

The facility is designed for SMEs whose funding needs can change quickly, whether they're managing short-term cash flow requirements, preparing for seasonal demand, covering key business expenses or investing in growth.

Unlike a traditional term loan, businesses do not need to draw their full approved facility upfront. Instead, they can access available funds when required, giving them greater flexibility to respond to changing circumstances without repeatedly applying for new funding.

For finance brokers and advisers, LOC Ultra provides another option for clients who may need regular or intermittent access to working capital, particularly businesses that draw down and pay down their facility frequently.

It can also provide an alternative for businesses considering invoice or debtor finance. Rather than tying access to capital directly to individual outstanding invoices, Line of Credit Ultra gives eligible businesses a flexible facility they can draw from when working capital is required.

Bizcap, which provides fast and flexible business funding across the UK and internationally, developed LOC Ultra to meet growing demand from SMEs for funding products that provide greater flexibility and control.

"The positioning of Line of Credit Ultra is particularly exciting because it gives businesses greater control over their working capital," said Sasha Berg, Managing Partner at Bizcap UK.

"Businesses don't always know exactly when they'll need additional funding or how much they'll need to draw. Having a facility they can access when required gives SMEs the flexibility to manage seasonal demand, cover short-term cash flow gaps or fund new opportunities."

Bizcap UK's Chief Commercial Officer, Rhys Cunnah, said the product also reflects Bizcap's open-minded approach to assessing businesses.

"SMEs can become frustrated by rigid credit models that don't always reflect the realities of running a business. We consider the broader context and circumstances of each business, rather than taking a one-size-fits-all approach," he said.

"Combined with the flexibility of Line of Credit Ultra, that approach allows us to support a broader range of funding needs."

Line of Credit Ultra features

Facility limits: Up to £500,000
Flexible repayment terms: Up to 12 months
Only pay for what's used: Interest is charged only on funds drawn
Introductory rates: Rates from 0% for the first four weeks of each drawdown
Flexible access: Businesses can draw from their available facility as funding needs arise

UK businesses interested in Line of Credit Ultra can apply online at bizcap.co.uk

Brokers and advisers interested in offering Line of Credit Ultra to their clients can email partners@bizcap.co.uk or Partner Up with Bizcap today.

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