FINANCE OPTIONS

390k Revolving Credit Loans - Apply Now

A £390,000 revolving credit loan is an essential financial tool for UK SMEs, providing flexible access to funds that support ongoing operational needs such as payroll, inventory management, and unexpected expenses. This credit facility enables businesses to maintain steady cash flow, ensuring they can respond promptly to market demands and sustain growth without the constraints of fixed repayment schedules. Funding Agent offers tailored solutions to help SMEs optimise their working capital and navigate financial challenges efficiently.

Secure up to £390,000 in Revolving Credit Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £390,000 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
Apply Now
Cloud

What are the benefits of 390k Revolving Credit Loans?

The primary advantage of revolving credit loans is flexibility, allowing businesses to address seasonal cash flow needs with ease, offering amounts ranging from £1,000 to £500,000 and delivering decisions as quickly as 24 hours.

black tick in a green circle
Flexible payment options
black tick in a green circle
Builds credit history
black tick in a green circle
Access to funds quickly

SCALE YOUR BUSINESS TO NEW HEIGHTS

play button
cloud
200+
Providers
building
building
building
buildingbuilding

What are the different types of 390k Revolving Credit Loans?

Revolving Business Line of Credit

The Revolving Business Line of Credit allows firms to borrow between £10,000 to £500,000, provided they meet specific eligibility criteria, including a minimum turnover of £100,000.

Revolving Business Line of Credit

With interest rates typically between 6% to 12%, businesses can use this credit line for working capital management, inventory purchases, and other short-term financial needs. Decisions typically come through in 1-2 weeks, making it a convenient choice for sectors like retail and hospitality facing seasonal demand.

Overdraft Facility

An overdraft facility typically covers amounts between £1,000 and £250,000 and demands a business bank account with the lender, reviewed annually.

Overdraft Facility

Positioned to resolve short-term shortages, an overdraft facility can be arranged within days. Interest rates range from 4% to 15% over the base rate, suitable for tech and retail sectors dealing with unforeseen expenses.

Merchant Cash Advance

Merchant Cash Advances provide up to £300,000 based on credit card sales, with repayment linked to revenue, thus maintaining cash flow balance even during fluctuations.

Merchant Cash Advance

This facility, reviewed in mere hours, features factor rates of 1.1 to 1.5. Ideal for hospitality and manufacturing sectors, it helps fund marketing pushes and production expansion at critical times.

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 390k Revolving Credit Loan?

Application Process

The application for a revolving credit loan involves submitting business details, financial documents, and a business plan online, depending on lender requirements. Approval times vary, typically from 24 hours to two weeks, depending on completeness and lender capacity.

Assessing Borrowing Capacity

All revolving credit loan providers must adhere to regulations by the Financial Conduct Authority (FCA) to ensure transparency and fair treatment. Compliance includes providing clear terms and conditions to maintain customer trust and loan integrity.

Assessing Borrowing Capacity

Factors like creditworthiness, financial health, and business revenue significantly influence borrowing limits, generally from £1,000 up to £500,000, tailored to specific needs and lender policies. Understanding borrowing power helps in securing suitable funding arrangements.

Get Funding For your business

Generate offers
Cta image

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.
building

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 a revolving credit loan?
How quickly can I get a decision on my loan application?
What are the typical interest rates for these loans?
What are the main eligibility requirements?

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.
June 30, 2025

Which Financing Is Best for Short-Term Business Needs?

Discover the top short-term financing options for UK businesses. Compare loan types, sector usage, and metrics to find the best funding solution for your needs.
June 6, 2025

Top 13 Short-Term Business Loan Providers in the UK (2025 Comparison Guide)

Compare the top 13 short-term business loan providers in the UK for 2025. See interest rates, loan terms, funding speeds, eligibility criteria, and reviews to find the best fit for your business.

We Like To Keep Things Simple

Match with
150+
Lenders
heart
Expert helpstarstar
200+ Provider
Loans from
£1000
to
£1m

zero hidden fees

underline

Extra bits you might find useful..

Apply now