Revolving credit facility
Flexible Capital That
Revolves With You
Draw funds when you need them, repay on your terms, and access your credit line again — only paying interest on what you use.
What is
Revolving credit facility
A revolving credit facility gives your business a pre-approved credit line you can draw from, repay, and use again — providing continuous access to working capital without re-applying each time.
Flexible
Draw & repay
Access funds on demand
Interest
Pay only what you use
No interest on undrawn amounts
Revolving
Continuous access
Credit replenishes on repayment
Speed
Fast drawdowns
Quick access to pre-approved funds
No penalties
Early repayment
Repay without penalty charges
We connect UK businesses with specialist lenders offering revolving credit facilities tailored to your cash flow cycle and growth plans.
Comparison
RCF vs TERM LOAN
Understand the key differences to choose the right option
Revolving Credit Facility
Recommended for most SMEs
Traditional Term Loan
Better for one-time capital needs
Types
Types of revolving credit
Choose the right revolving facility based on your business needs
Working Capital RCF
Fund day-to-day operations, payroll, and inventory
Trade & Import RCF
Bridge funding gaps in international supply chains
Growth & Acquisition RCF
Flexible capital for expansion and opportunistic deals
Why use
Why businesses use revolving credit
Continuous access to capital that adapts to your business cycle
Use Cases
Benefits
Clients
Who We Help
Seasonal Businesses
Companies with fluctuating cash flow needing flexible working capital
Trading & Import Businesses
Firms managing international supply chain payment cycles
Growth-Stage SMEs
Businesses needing responsive capital for expansion opportunities
Process
RCF application process
From initial assessment to facility activation, we guide you through every step
Assess & Structure
We evaluate your business and design the right facility
Approval & Terms
Receive a tailored offer with clear drawdown terms
Draw & Manage
Access your facility and draw funds as needed
Ready to set up a revolving credit facility?
Start applicationFAQs
Revolving credit FAQs
Clear answers about revolving credit facilities and how they work
An RCF is a pre-agreed credit line that lets you draw funds, repay, and re-draw continuously — similar to a business overdraft but typically larger and not tied to a bank account.
You only pay interest on the amount you've actually drawn, not the total facility limit. This makes RCFs cost-effective for businesses with variable funding needs.
A term loan provides a one-off lump sum repaid over a fixed schedule. An RCF lets you draw and repay repeatedly within the facility limit, offering ongoing flexibility.
Facility sizes typically range from £50,000 to £10 million+, depending on your business turnover, creditworthiness, and the security offered.
Larger facilities usually require security such as a debenture over business assets or receivables. Smaller facilities may be available unsecured depending on your business profile.
Talk to our RCF Specialists
Have questions about revolving credit? Our team can help you structure the right facility for your business.