Revolving Credit Facilities
Revolving Credit Facilities
A Revolving Credit Facility (RCF) provides businesses with flexible access to funding that can be drawn down, repaid, and reused as required within an agreed limit. Unlike a traditional loan, you only pay interest on the amount you use, making it a cost-effective way to manage working capital and short-term cash flow needs.
RCFs are commonly used to smooth cash flow, fund growth, cover seasonal fluctuations, or support ongoing trading requirements. Facilities can be structured on a secured or unsecured basis, depending on the business profile and funding requirement. As independent commercial finance brokers, we source and negotiate Revolving Credit Facilities from a wide panel of lenders to ensure terms are aligned with your business needs.
Key Benefits of Revolving Credit Facilities
Flexible Access to Funds
Draw down, repay, and reuse funds as needed within the agreed limit.
Pay Interest Only on What You Use
Reduces costs compared to fixed-term borrowing.
Improves Cash Flow Management
Ideal for managing short-term gaps, seasonal trading, or unexpected expenses.
Supports Ongoing Working Capital Needs
Provides a reliable funding backstop for day-to-day operations.
Secured & Unsecured Options Available
Facilities can be structured to suit your balance sheet and security position.
Reusable Facility
Once repaid, funds become available again without reapplying.
Can Complement Other Funding
Works alongside Invoice Finance, Asset Finance, or Term Loans.
Broker-Led Market Access
We compare lenders and negotiate terms to secure the most suitable and competitive solution.