We independently analyse UK business bank accounts, loans, cards and insurance – so you don’t choose blind.
We compare major banks, challengers, and specialist providers – not just whoever pays the most.
Researched & reviewed by the Money Navigator team
Updated regularly to reflect changes in rates, fees and eligibility.
✅ Independent Comparisons
✅ No paid rankings
✅ No sign-ups
✅ We don’t sell your details
Find the business bank account that works best for your company. Whether you are a sole trader or a limited company, compare ratings, monthly fees, and introductory offers to find your perfect match in minutes.
Access funding from £1,000 to £500,000. We compare high-street banks and specialist lenders to find you the best rates for limited companies and sole traders. Check your eligibility in minutes with no impact on your credit score.
Provider | Rating | Key Features | Action |
 👉 Direct lender Best for: Fast Cash / Revolving Credit | 4.8 / 5 |
Why it’s here: Selected for businesses that want flexible, revolving access to funds rather than a fixed-term loan. | |
 👉 Direct lender Best for: Flexi-Loans & Speed | 4.7 / 5 |
Why it’s here: Selected for businesses prioritising fast decisions and short-term flexibility over the lowest possible interest rate. | |
 👉 Broker Best for: Bad Credit / Startups | 4.9 / 5 |
Why it’s here: Selected for businesses with non-standard credit profiles that want to compare multiple lenders through a single application. |
We have analysed the market to find the best all-round credit card for small business owners. For high acceptance rates, 1% cashback, and generous credit limits without a personal guarantee, one provider stands out.
🏆 Our top pick for UK SMEs needing flexible cash flow without personal guarantees.
Credit limits up to £250,000
1% cashback on all spend
Up to 56 days interest-free
No impact on credit score to apply
For limited companies only
4.8/5 Rated Excellent on Trustpilot
Not a Limited Company?
Maximise your cash flow with up to 56 days interest-free credit. Whether you want 1% cashback on ad spend or smart expense cards for your team, compare the UK's top providers below.
Provider | Rating | Key Features | Action |
 | 5 / 5 |
| |
 Business Gold | 4.8 / 5 |
| |
 | 4.7 / 5 |
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From Public Liability to Professional Indemnity, protect your business against the unexpected. Compare quotes from the UK's leading brokers and insurers in minutes.
Provider | Rating | Key Features | Action |
 | 4.9 / 5 |
| |
 | 4.8 / 5 |
| |
 | 4.8 / 5 |
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Choosing business finance is high-stakes. The wrong decision can be expensive and difficult to undo. Money Navigator exists to help UK business owners compare options clearly, understand the trade-offs, and choose with confidence – before committing.
You Never Pay Us
You never pay to compare or use Money Navigator.
If you choose a deal through our site, we may earn a commission from the provider, but our service remains free to you.
No Paid Placements
Providers cannot pay to appear higher in our rankings.
Reviewed Regularly
Business finance changes quickly. Rates, fees, and terms don’t stay the same for long.
We regularly review providers to reflect the current market, not outdated offers.
This helps you make decisions based on accurate, current information.
Read the latest business finance news from the Money Navigator Research Team.
