FINANCE OPTIONS

^Apply for £700K Revolving Credit Today

Q: What is the typical borrowing range for revolving credit?

Revolving credit facilities usually offer from £10,000 to £5,000,000, depending on business credit score, revenue, and available collateral. Options like £700K are common for established UK SMEs looking for flexible cash management tools.

Q: How long does approval and funding take?

The decision process takes between 1 and 8 weeks, influenced by financial documentation quality, lender processes, and whether assets are used as security. Once approved, funds are typically accessible within 2 to 4 weeks.

Q: What rates and fees can I expect?

Interest rates for revolving credit usually range from 3% to 12% APR, varying according to your business profile and collateral. Additional fees such as setup and annual charges may also apply, so it's important to review all costs upfront.

Q: What types of revolving credit are available?

Businesses can choose from traditional revolving credit, overdraft-linked facilities, or asset-backed revolving credit. Each type is suited to different needs, eligibility criteria, and access to funding based on business characteristics.

A £700K revolving credit facility lets UK businesses access flexible funding up to a pre-agreed limit, drawing, repaying, and reusing funds as needed. This revolving structure supports cash flow management, allowing you to cover working capital, unexpected costs, or business expansion on your terms. Unlike a standard loan, interest is only charged on the amount in use, offering cost efficiency and control. Common business benefits include the ability to manage fluctuating cash positions, reduce financial stress, and borrow as opportunities or challenges arise.

Secure up to £700,000 in £ Revolving Credit with Funding Agent.

Secure up to £1,000,000 in Secure up to £700,000 in £ Revolving Credit with Funding Agent. with Funding Agent.

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^Benefits of a Revolving Credit Facility

Revolving credit facilities are designed to help businesses maximise flexibility and financial control. By offering a tailored credit line and only charging interest on funds actually used, these facilities can make managing business cash flow simpler and more effective. Decision and funding times are usually swift, making it a practical choice for many SMEs.

Flexible funding

Quick access to cash

Improved cash flow

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Revolving Credit Facilities

Traditional Revolving Credit

Traditional revolving credit is offered to established businesses with strong trading history and higher revenues. It provides access to significant credit lines for managing working capital, inventory, or cash flow fluctuations.

Traditional Revolving Credit

This type typically suits businesses with over two years of trading, solid credit scores, and minimum revenues of £500,000. Facilities range from £50,000 to £5,000,000, with terms from 12 to 36 months and rates from 5% to 12% APR. Approval often takes 2 to 4 weeks. Sectors like retail, manufacturing, and services rely on this facility to smooth out seasonal turnover and cover temporary cash gaps.

Overdraft-Linked Revolving Credit

Overdraft-linked credit attaches to your business bank account, providing flexible access for established SMEs facing unexpected expenses or short-term needs.

Overdraft-Linked Revolving Credit

Designed for SMEs with at least a year of trading and a trustworthy transaction history, with facilities from £10,000 to £500,000. Terms are typically 12 months with annual review, and interest is 4% to 10% above the base rate. Approval can be as quick as 1 to 3 weeks. It's well-suited for sectors with fluctuating sales or one-off needs.

Asset-Backed Revolving Credit

Asset-backed facilities use fixed assets as collateral to unlock larger credit lines, making them suitable for significant business investments or growth.

Asset-Backed Revolving Credit

Businesses willing to secure finance against existing assets, often with audited accounts, can access £200,000 to £5,000,000 over 24 to 60 months. Rates typically range from 3% to 8% above base, depending on asset value. Approval can take 4 to 8 weeks, with significant support for capital-intensive activities in construction, manufacturing, or transport.

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

How to Apply with Funding Agent

Assess Requirements

Identify how much you require and, using the online application form, determine the right credit limit to support your business objectives.

Submit Documents

Provide up-to-date financial statements, credit information, and asset details if relevant for assessment by lenders.

Receive Funds

After approval, access your facility and draw funds as you need them, within your agreed credit limit.

Get Funding For your business

Generate offers

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.

FAQ’S

What is the typical borrowing range for revolving credit?

How long does approval and funding take?

What rates and fees can I expect?

What types of revolving credit are available?

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^Apply for £700K Revolving Credit Today

^Benefits of a Revolving Credit Facility

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Revolving Credit Facilities

Traditional Revolving Credit

Traditional Revolving Credit

Overdraft-Linked Revolving Credit

Overdraft-Linked Revolving Credit

Asset-Backed Revolving Credit

Asset-Backed Revolving Credit

Typical Funding Journeys on Funding Agent

How to Apply with Funding Agent

Assess Requirements

Submit Documents

Receive Funds

Get Funding For your business

Real Scenarios

Construction Company Needing Fast Working Capital

Ecommerce Business Preparing for Peak Season

Marketing Agency Using Invoice Finance

Property Developer Using Bridging Finance

Get A Clear Overview of Cost Effective Lenders

FAQ’S

DIVE DEEPER

What is a Revolving Credit Loan?

Asset Finance vs Invoice Finance: Which Is Right for Your Business in 2026?

Which Financing Is Best for Short-Term Business Needs?

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