BizCap Revolving Credit Line

If you’re searching for BizCap revolving credit line, you’re usually looking for flexible access to working capital that you can draw down when you need it, rather than taking a single lump-sum loan. BizCap calls this product its Business Line of Credit, positioning it as on-demand funding with daily or weekly repayments and early payment discounts.

In this review, we’ll explain how BizCap’s revolving credit line works, what it can cost, who it suits, and how to compare it against other UK lender options before you apply.

For a broader lender overview, see Bizcap Reviews.

Product snapshot: BizCap revolving credit line at a glance

BizCap’s revolving facility is designed to sit in the background as a safety net, so you can draw funds when opportunities or cash flow gaps appear. BizCap states you can access up to £500,000 and only pay for what you use, with fast approvals and flexible repayments. You can review the lender’s product page here: BizCap Business Line of Credit.

How BizCap’s Revolving Credit Line actually works in practice

It starts with an application for a facility. Rather than applying for a single loan amount, you apply for a credit line and BizCap assesses your business to set a limit, repayment options and pricing. BizCap states the application takes less than 5 minutes and it can assess your application quickly without an up-front credit check. You can start here: BizCap Apply.

You get access to a pot of funding. Once approved, the point of a revolving credit line is that you do not need to reapply every time you need working capital. You draw down what you need, when you need it, and repay based on the agreed schedule.

You only pay when you draw. BizCap positions the product as “only pay for what you use”. In practice, this usually means costs attach to amounts you draw (and sometimes there can be set-up or access fees depending on the offer), rather than paying interest on the full limit.

Repayments are frequent, which can be helpful or painful. BizCap promotes daily or weekly repayment plans. If you have predictable takings, frequent repayments can feel manageable and reduce end-of-month strain. If your revenue is lumpy or seasonal, the same schedule can feel like a constant squeeze.

Example (illustrative): Your business has a £150,000 credit line. You draw £30,000 to secure stock ahead of a seasonal peak. If the draw is repaid weekly over 26 weeks, your weekly repayments might be roughly £1,250 plus the agreed financing cost and any fees. If you clear the draw early after a strong month, early payment discounts may reduce the total cost, depending on your agreement.

Rates, fees and what this Revolving Credit Line really costs

With revolving facilities, the headline “rate” is rarely the full story. The real cost is the combination of pricing on each draw, any establishment or line set-up fees, and the impact of repayment frequency on cash flow.

• APR vs factor rate: Some working-capital lenders price draws using a fixed fee (often described as a factor rate) rather than a simple annual interest rate. The easiest way to compare is to ask for (1) the total repayable for a typical draw and (2) an equivalent APR.
• Set-up and access fees: Many revolving products involve a one-off line fee and/or a small fee each time you draw. Confirm exactly what applies, and whether it is deducted from the draw or paid separately.
• Early repayment: BizCap promotes early payment discounts, which can make the facility cheaper if you frequently repay draws ahead of schedule. Confirm how discounts are calculated and whether any minimum charges apply.
• Default and arrears: With daily or weekly direct debits, one bad cash flow week can trigger arrears. Ask what happens if a payment fails and how quickly issues escalate.

If you are considering BizCap, the best comparison is not “line of credit vs loan” in the abstract. It is “what does a typical draw cost, and can we live with the repayment schedule in a quiet month?”

Eligibility, who BizCap is a good fit for

BizCap’s revolving credit line is usually best for trading businesses that can evidence steady revenue and can afford frequent repayment schedules.

• Established trading: BizCap publishes baseline minimums for some products (such as 4+ months trading and £12,000+ monthly revenue), but a line of credit can have different underwriting requirements.
• Cash flow fit: Daily or weekly repayment is most comfortable when you have consistent receipts (for example, regular card takings, steady B2B receipts, or predictable recurring revenue).
• Purpose clarity: Best used for working capital: stock, supplier payments, marketing bursts, payroll smoothing, and bridging payment terms.
• Director commitments: Even if a facility is unsecured, confirm whether a personal guarantee or other commitments apply.

Pros, cons and when BizCap is a good idea

A revolving credit line can be one of the most useful funding tools for a growing SME, but it only works if you treat it as a controlled buffer, not a permanent plug for structural cash flow issues.

Pros

• Flexible access: Draw what you need when you need it, rather than paying for a full lump sum up front.
• Speed: BizCap promotes fast approvals and access to funds, with a conditional offer made without an up-front credit check.
• Repayment options: Daily or weekly plans can be aligned to real trading rhythms.
• Early payment discounts: Helpful if you regularly clear draws early after strong trading periods.

Cons

• Repayment pressure: Frequent direct debits can be tough for seasonal businesses or those with large invoice gaps.
• Cost can be higher than long-term finance: Revolving working capital is often priced for speed and flexibility, not for lowest APR.
• Fee complexity: Set-up and draw fees can make comparisons tricky unless you model total repayable.

Best for

• A retailer or e-commerce brand that needs repeat stock top-ups and wants a facility ready to draw during peaks.
• A B2B services business that wants a buffer to smooth payroll and supplier costs while waiting for invoices to be paid.
• A growing SME that wants to avoid constant reapplications for short-term cash flow needs.

Real world examples of how SMEs use this Revolving Credit Line

Example 1: Seasonal stock without over-borrowing. An online retailer draws £25,000 in October for peak stock, then repays weekly as sales settle. When the season ends, the line remains available for the next cycle without needing a new loan.

Example 2: Bridging project costs. A contractor wins a profitable job but needs to fund materials and subcontractors up front. They draw £40,000, repay from staged payments, then redraw later for the next project.

Example 3: Protecting supplier relationships. A wholesaler uses small drawdowns to pay suppliers on time during a slow month, avoiding missed payments and preserving supply terms.

How Funding Agent can help you compare BizCap against other lenders

With a line of credit, the best option depends on how you get paid, how often you want to repay, and whether you can tolerate frequent direct debits. Two facilities can look similar but behave very differently once you start drawing funds and paying fees.

If you want to see how BizCap stacks up, compare business finance options with Funding Agent before you sign.

We can help you compare like-for-like costs (total repayable per draw), terms, fees, and security requirements across multiple lenders so you choose the facility that fits your cash flow.

Alternatives to BizCap’s Revolving Credit Line

If BizCap’s facility is not quite right, you have other UK routes depending on whether you need flexibility, a fixed lump sum, or funding tied directly to invoices or assets.

• Business Line Of Credit to compare revolving facilities from different lenders.
• Working Capital Loans if you want a short-term injection designed for cash flow gaps.
• Unsecured Business Loans if you prefer a fixed lump sum with a clear repayment schedule.
• Invoice Financing if slow-paying customers are the root problem and you want to unlock cash from invoices.
• Asset Finance if your funding need is equipment or vehicles and you want security-backed terms.
• Business Loans if you want broader term lending comparisons, including longer terms and different repayment patterns.

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