Some funding needs come and go with the rhythm of trading. A revolving credit facility sits ready in the background, just like a credit card, right there when you need it.
A revolving credit facility gives your business access to an agreed level of funding that can be drawn, repaid and used again as needed. You receive a credit limit, borrow how much you need and pay interest only on what you actually use, making it a flexible safety net for short-term cash flow pressures and sudden opportunities.
It works similarly to a credit card, but without the physical card. A limit is agreed based on your revenue and trading history. Draw what you need, when you need it and repay on your own schedule within the terms. As soon as funds are repaid, they become available again.
A loan delivers one lump sum with fixed repayments over a set term. A revolving facility is a reusable limit, similar to a credit card. You draw and repay as trading demands, and interest applies only to the drawn balance, not the whole limit.
Some lenders charge a small non-utilisation or renewal fee, while others charge nothing until you draw. We set out the full cost of every option upfront so you can judge whether the standby value earns its keep.
A good conversation costs nothing and often opens more doors than you would expect. Tell us where you want to take your business, and we will show you how the right funding can help you get there.
