Overview
Juice x Xero Integration
Juice is Smart Growth Capital for UK SMEs, the only lender that combines real-time business intelligence with transparent, flexible funding. Connect Juice to Xero and every loan movement is automatically synchronised to your accounts, giving you a real-time view of your funding position without manual bookkeeping.
Revolving credit that works with your Xero accounts
Juice Flex is a revolving credit facility with limits up to £1,000,000. Unlike fixed-term loans, Juice Flex has no fixed expiry and no mandatory top-ups. Draw down capital when you need it, repay on your terms with periods up to 24 months per draw, and your available balance is replenished automatically. Every drawdown, repayment, and interest charge is posted directly into Xero using loan account write-back, so your balance sheet is always accurate and up to date.
How the Xero integration works
When you connect Juice to Xero, we create a dedicated loan account in your chart of accounts. All facility movements, including drawdowns, repayments, interest charges, and fees, are recorded automatically. No manual journals, no CSV imports, no reconciliation headache. Your accountant or bookkeeper sees every transaction in real time, exactly where they expect it.
Intelligent funding, not just capital
Juice goes beyond lending. Our AI-powered Growth Co-Pilot connects your banking and accounting data to give you a clear, real-time picture of your cash flow and financial health. Understand where your money is going, spot trends, and see how your funding is working for you. By connecting your Xero data alongside your other platforms, the Growth Co-Pilot helps you decide when and how much to draw, so every pound of funding is backed by data.
Why UK SMEs choose Juice Flex
- Revolving credit facility with limits up to £1,000,000
- No fixed expiry and no mandatory top-ups
- Repayment terms up to 24 months per draw
- Interest-only options available
- No debenture required for facilities under £150,000
- Clear, transparent pricing with every fee visible before you sign
- Approved in as little as 24 hours
- Early repayment at any time with no penalties
Seamless Xero synchronisation
All loan movements are written back to Xero automatically, keeping your accounts accurate without any manual input. Drawdowns, repayments, and charges all appear in your Xero loan account in real time. Your reporting stays clean and your books are always review-ready.
Built for clarity, control, and confidence
Juice exists because we believe businesses grow better when they can see beyond their numbers and act on what they find. Most lenders only offer capital. Most analytics tools only offer data. Juice delivers both together through Smart Growth Capital, giving UK SMEs the clarity to plan growth, the control to fund momentum, and the confidence to make smarter decisions.
Grow on your terms. Connect Juice to Xero today.
Juice + Xero
How Juice integrates with Xero
Juice connects to your Xero organisation to automatically record every loan event in your accounts - disbursements, repayments, and fees - so your books stay accurate without manual data entry.
Automatic loan writeback
When a Juice Flex facility is drawn down, repaid, or charged a fee, the integration writes accounting entries directly into your Xero organisation in near-real-time:
- Disbursements - Juice records a transfer from the lender account to your bank account in Xero, with a matching bank feed transaction. Your balance sheet reflects the new loan liability immediately.
- Repayments - Each repayment is recorded as a transfer back to the lender account with a bank feed entry. Your loan balance reduces automatically.
- Fees - Servicing fees, arrangement fees, and other charges are recorded as direct costs with correct VAT treatment and expense account mapping, ready for reconciliation.
Bank feed integration
Juice creates bank feed transactions for every movement of funds. Each transaction includes your Juice loan reference, making it straightforward to match and reconcile in Xero's bank reconciliation view.
Account mapping
During setup, Juice maps the correct Xero accounts for your integration:
- Bank account - Where loan funds are received and repayments collected
- Lender account - A dedicated account representing your Juice loan liability
- Expense accounts - Where fee charges are recorded on your P&L
These mappings are configured once and applied consistently to every transaction.
Data sync and reliability
Every transaction is processed with full idempotency - duplicate messages are recorded only once. Failed writes are retried automatically, and the Juice team is alerted if any transaction cannot be completed.
The integration maintains a complete audit trail of every event: the triggering action, payload, Xero response, and final status. This log is retained for the lifetime of your facility to support compliance and reporting.
What data Juice accesses
Juice accesses organisational data, business transactions, and accounting activity data:
- Reads: Chart of accounts, bank account details, and supplier records
- Writes: Transfers, bank feed transactions, direct costs, and supplier records
Juice does not access payroll, employee, or personal tax data. Access continues for the duration of your loan term and can be revoked at any time from Xero's connected apps settings.
Getting started
Getting started with Juice for Xero
New to Juice? Start here
Juice provides revolving credit facilities for UK SMEs - flexible funding you can draw down, repay, and redraw as your business needs change. The Xero integration keeps your accounts in sync with every loan event automatically.
Step 1: Apply for a Juice Flex facility
Visit our website and start your application. You will need:
- A UK-registered limited company
- At least 12 months of trading history
- Access to your business bank account (for Open Banking verification)
The application takes around 10 minutes. Juice connects to your bank accounts and accounting data - no paper documents required. Most decisions are made within 48 hours.
Step 2: Connect Xero during onboarding
During onboarding, you will be prompted to connect your Xero organisation. Click Connect, sign in to Xero, and authorise Juice to access your accounting data. This is a secure OAuth connection - Juice never sees or stores your Xero password.
The Juice team will then configure your account mappings so transactions are recorded to the correct places in your chart of accounts.
Step 3: Draw down and your books update automatically
Once your facility is live and Xero is connected, every disbursement, repayment, and fee is written to your Xero organisation automatically. Open Xero's bank reconciliation view to see matched transactions ready for review.
Already have a Juice Flex facility? Connect Xero now
If you have an active Juice Flex facility and want to connect Xero:
Step 1: Open your Juice Borrower Portal
Log in to our web app and navigate to Settings.
Step 2: Connect your Xero organisation
In Settings, find the Accounting Integration section. Click Connect next to the Xero logo. You will be redirected to Xero to sign in and authorise the connection.
If you have multiple Xero organisations, choose the one that corresponds to the business entity holding your Juice facility.
Step 3: Confirm your account mappings
The Juice team will review and confirm the account mappings for your Xero organisation. You will receive a confirmation email once setup is complete, typically within one business day.
If you need specific accounts to be used (for example, a particular expense account for fees), let your Juice contact know before the mapping is finalised.
Step 4: Verify the integration
Once mappings are confirmed, the next loan event will be written to Xero automatically. Check your Xero bank reconciliation view to confirm transactions are appearing correctly.
Requirements
- A Xero subscription (Starter, Standard, or Premium)
- A Juice Flex revolving credit facility (active or in onboarding)
- Admin access to your Xero organisation
