We require security in one of two ways:

• Business Security: A first-ranking debenture over the company’s assets. This is a standard document filed at Companies House that gives us security over your business’s assets (like stock or equipment) but does not involve your personal property.
• Personal Security: If a debenture is not suitable for your business structure, we may require a Personal Guarantee (PG) from the directors.
  
  We’ll always be transparent about which option fits your application best before you commit.

We don't need stacks of paperwork. Because we're built for e-commerce, we simply connect to your store and your accounting software via secure APIs. This allows us to assess your real-time sales performance and offer a decision – and funding – often within 24–48 hours.
Connecting your data also gives you access to Juice Insights, providing you with actionable signals to make informed financing decisions - that’s Smart Growth Capital^TM.

Yes. Many of our clients use their revolving credit facility as an "ads budget buffer." When you have a high-performing campaign, you can instantly draw down working capital to increase your daily spend and capture more customers. You then repay the facility once the sales from that campaign hit your bank account. A revolving credit facility also enables you to capitalise on opportunities as they arise, without the need for expensive emergency funding.

While merchant cash advances are fast, they take a fixed percentage of your daily sales, which can squeeze your margins during high-growth periods. A revolving credit facility gives you a set credit limit and more control; you decide when to draw funds and how much to repay, without the lender "dipping into" your daily revenue.

A revolving credit facility is ideal for inventory because it mirrors your sales cycle. You can draw funds to pay suppliers for bulk orders or peak-season stock, and then repay the facility as those goods are sold. Unlike a fixed loan, you only pay interest on the capital tied up in stock at any given time, making it a cost-effective way to avoid stock-outs. Once repaid you can draw down again as needed without the need for reapplying, making it an efficient choice of funding.

We typically look at your business’s monthly turnover and overall credit health to determine your limit. As your business grows and your working capital needs increase, your facility can often scale alongside you – without the paperwork of a traditional bank.

It depends on your goal. A fixed-term loan is great for one-off assets (like buying a van). However, for working capital, a revolving credit facility can often be more practical due to:

• - Flexibility: you aren't locked into a fixed repayment schedule on funds you might not need next month.
• - Cost-efficiency: you only pay interest on what you use. Choose your repayment option, with the freedom to repay early at any time, with no extra costs to eliminate interest.
• - Availability: once approved, the funds are there whenever a need or opportunity arises, without needing to re-apply.
• - Long term: benefit from a 24-month term, giving you peace of mind and ability to focus on running your business your way.

Because our revolving credit facility is designed specifically for working capital, you can use it to smooth out the peaks and troughs of your business cycle. Juice Flex gives you the breathing room to cover day-to-day operational costs without disrupting growth plans.

Common uses include:

• - Bridging payment gaps between invoicing and receiving payment
• - Covering payroll during seasonal slowdowns
• - Managing stock purchases ahead of busy periods
• - Funding marketing campaigns before revenue arrives
• - Smoothing cash flow during expansions

Unlike traditional loans with rigid terms, Juice Flex adapts to your business, draw funds when cash is tight, repay when revenue comes in, and access that credit again when you need it.

A revolving credit facility is a flexible line of credit that allows SMEs to withdraw, repay, and redraw funds as needed, without needing to reapply. At Juice we offer an RCF over 24 months - giving you flexibility and peace of mind over your long-term planning.

For working capital needs, it’s a game-changer because it allows you to bridge the gap between payables (bills, stock, payroll) and receivables (customer payments). Instead of a lump-sum loan where you receive the full amount upfront and pay interest on it all, you draw down what you need, when you need it and only pay for what you use.

Juice offers Smart Growth Capital™ – a combination of flexible funding and real-time insights.

Our flagship product is Juice Flex, a revolving credit facility (£50K–£1M) that provides UK SMEs with an on-demand line of credit, allowing you to draw down funds instantly and pay interest only on what you use.

To help you borrow smarter, it is powered by Juice Insights, our AI growth copilot. By analysing your real-time data, Juice Insights provides cash runway forecasts and financial health scores, ensuring you have the clarity to draw from your Flex facility at the most strategic moments for working capital, inventory, marketing, or seasonal scaling.

Juice offers Smart Growth Capital™ – a combination of flexible funding and real-time insights.

Our flagship product is Juice Flex, a revolving credit facility (£50K–£1M) that provides UK SMEs with an on-demand line of credit, allowing you to draw down funds instantly and pay interest only on what you use. To help you borrow smarter, it is powered by Juice Insights, our AI growth copilot. By analysing your real-time data, Juice Insights provides cash runway forecasts and financial health scores, ensuring you have the clarity to draw from your Flex facility at the most strategic moments for working capital, inventory, marketing, or seasonal scaling.

A revolving credit facility gives your business a pre-approved limit that you can draw from, repay as your cash flow allows, and redraw as often as you need without needing a new application. Unlike a traditional loan where the capital is gone once spent, your available balance resets every time you make a repayment—giving you a permanent safety net to manage inventory, bridge invoice gaps, or seize new opportunities the moment they arise. The best part - you only pay interest on what you use.

You can use Juice funding for most working capital needs, including stock, marketing, supplier payments, and short‑term cash flow gaps. We’ll always encourage you to fund what works – using your data and our Insights to avoid unnecessary borrowing.

If you are a UK SME with regular revenue and you’re looking for flexible business funding rather than a long, complex bank process, Juice may be a good fit. We’ll always be upfront if we’re not the right option, giving you an explanation and a path forward. Get in contact today or apply on our platform to see if you are eligible.

Once you apply through our online and connect your information, we typically give a decision in 24 hours. If approved and you accept your offer, funds can be available shortly after, depending on your bank and drawdown choice. We’ll never promise “instant approval” – but we do move quickly and clearly.

Regardless of your ambitions and facility size, we’ll support you through the entire process and get you funded as efficiently and quickly as possible.