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 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.

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.

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.

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.