GrowthLine flexible credit

Sign up through Xero, and access up to £2m* of flexible working capital even quicker than before.

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Growth Street + Xero

Helping businesses grow

Growth Street and Xero are working together to help your business get the funding it needs to grow.

What is GrowthLine?

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. 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.

It’s as easy as…


Click below to start your application – we’ll just need a few basic details from you.


When prompted, click to securely connect your Xero account.


Leave it with us. We’ll review your application, and will usually get back to you in 1-3 days.

Apply now

Seamless integration.

Speed up your GrowthLine application by connecting your Xero account.

It’s designed to give us secure access to your company accounts, meaning we can make a decision quickly and cut out any unnecessary paperwork.

About Xero.

Xero is world‑leading online accounting software built for small business.

Get a real-time view of your cashflow. Log in anytime, anywhere on your Mac, PC, tablet or phone to get a real-time view of your cash flow. It’s small business accounting software that’s simple, smart and occasionally magical.

Run your business on the go. Use our mobile app to reconcile, send invoices, or create expense claims ‑ from anywhere.

Get paid faster with online invoicing. Send online invoices to your customers ‑ and get updated when they’re opened.

Reconcile in seconds. Xero imports and categorises your latest bank transactions. Just click ok to reconcile.

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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
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We understand ambitious businesses.

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