Revolving credit vs overdraft?

Revolving credit typically offers larger limits, clearer terms, and often lower rates than bank overdrafts — and without needing a long bank relationship.

Typically from £10,000 upwards, depending on your turnover and credit profile. Your advisor will identify the maximum available.

Secured or unsecured?

Both available. Unsecured is simpler but typically smaller. Secured — backed by assets or property — can be larger with potentially better rates.

Revolving Credit Facility

On-Demand Capital — Draw, Repay, Redraw

A pre-agreed credit limit you can draw from, repay, and redraw as often as needed. Pay interest only on what you have actually drawn.

Check Your Eligibility Speak to an Adviser

When Is a Revolving Credit Facility Most Useful?

Managing seasonal peaks and quiet periods
Covering supplier payments before invoices clear
Short-term working capital needs
Financial buffer for unexpected costs
Variable monthly cash flow
Replacing expensive overdraft facilities

How Does It Work?

Like a business overdraft — but with a larger limit, clearer terms, and often lower cost. Draw what you need, repay it, and the credit becomes available again immediately.

Ready to explore your options? Our team reviews your circumstances and identifies selected providers whose criteria may suit your business.

The Ultimate Flexible Working Capital Tool

On-Demand Capital When You Need It

Particularly powerful for businesses with unpredictable cash flow — pay only for what you use, and when you repay, credit is immediately available again.

Many businesses combine a revolving facility for working capital with a term loan for capital investment — the two products complement each other perfectly.

Full Flexibility

Draw what you need, repay, and redraw as often as required up to your limit.

Pay Only for What You Use

Interest charged only on drawn amounts — not the full facility limit.

Immediate Access

Once set up, funds available immediately — no new application each time.

Manage Seasonal Cash Flow

Draw in quiet periods, repay when revenues recover.

Check Your Eligibility

UK-wide

Commercial Finance Support

£10K–£5M

Finance Available

24-48 hours*

Typical Decision Time

No Fee

Until Funding Completes

Frequently Asked Questions

Common Questions

A loan gives a fixed lump sum with fixed repayments. A revolving facility gives a limit to draw from, repay, and draw again — like a flexible overdraft.