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120k Revolving Credit Loans – Apply Now

A £120,000 revolving credit loan provides UK SMEs with flexible and accessible funding to effectively manage ongoing operational costs such as payroll, inventory replenishment, and supplier payments. This revolving facility allows businesses to draw and repay funds as needed, ensuring optimum cash flow management without the constraints of fixed repayment schedules. Funding Agent offers this tailored financial solution to support companies in maintaining stability and growth in dynamic market conditions.

Secure up to £120,000 in Revolving Credit Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £120,000 in Revolving Credit Loans with Funding Agent. with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of 120k Revolving Credit Loans?

The primary advantage of revolving credit loans is their flexibility: businesses borrow as needed and repay on their schedule, incurring interest only on funds used. With decision times as fast as one to two business days and typical borrowing amounts from £5,000 to £1,000,000, these loans offer swift access to capital, significantly boosting operational efficiency.

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Flexible repayment options
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Improves cash flow
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Boosts credit score

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 120k Revolving Credit Loans?

Business Line of Credit

A Business Line of Credit caters to UK-registered businesses with a year of trading history, offering amounts from £10,000 to £250,000 over 6 to 36 months. Ideal for managing cash flow and purchasing inventory.

Business Line of Credit

Business Lines of Credit require strong credit profiles and regular revenue streams, with interest rates from 5% to 15% APR. Decision times are swift, within 1 to 2 business days. Common uses include managing operational expenses in sectors like retail and technology.

Overdraft Facility

Overdraft Facilities, suitable for SMEs with active bank accounts, offer flexible funding from £5,000 to £100,000, reviewed annually, to cover shortfalls.

Overdraft Facility

An overdraft requires a solid bank relationship and provides funds immediately for existing customers. Interest rates range from 6% to 12% APR, plus fees. They cater primarily to manufacturers bridging payment gaps from suppliers.

Invoice Financing Line

Invoice Financing Lines are for businesses dealing with account receivables, offering funds from £50,000 to £1,000,000 until invoice payment. These are invaluable for boosting cash flow.

Invoice Financing Line

With interest rates of 2% to 4% above the base rate and decision times from 3 to 5 days, invoice financing enables businesses to stabilize receivables. Commonly used in sectors like hospitality to smooth cash flow from extended receivables.

Typical Funding Journeys on Funding Agent

Submit your funding request
Our platform enriches your application using business data
Your request is matched to suitable lenders
Receive offers and proceed with the best option

What is a 120k Revolving Credit Loan?

Application Process & Decision Timescales

Applying for revolving credit involves submitting financial statements and a credit history online. Decisions can range from instant to a few days, with funds available within 2 to 3 days post-approval. This makes it efficient for businesses seeking rapid financial solutions.

Borrowing Capacity & Rate Factors

Lenders must comply with the FCA’s regulatory framework, ensuring transparency and fair lending, making these loans a secure option for SMEs. Understanding these requirements is crucial to ensuring regulatory compliance.

Borrowing Capacity & Rate Factors

The borrowing capacity for these loans varies, influenced by credit ratings and annual revenue. Rates range from 5% to 15% APR, impacted by business credit scores and market conditions. These elements highlight our commitment to offering competitive rates.

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
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Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

How much can I borrow with Revolving Credit Loans?
How quickly can I get a decision on a Revolving Credit Loan?
What are the typical interest rates for Revolving Credit Loans?
What are the eligibility criteria for Revolving Credit Loans?

DIVE DEEPER

July 31, 2025

What is a Revolving Credit Loan?

Discover how revolving credit loans work, their pros and cons, and how UK SMEs use them to manage cash flow and growth in 2025.
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