A revolving credit facility is a flexible line of credit you can draw down and repay as your business needs change. You only pay interest on what you've drawn, with a smaller non-utilisation fee on the unused headroom.
A working capital instrument rather than a single-purpose loan.
Lender approves a credit limit based on your trading profile.
Pull funds whenever cash flow needs cover, same-day in most cases.
Repay early without penalty. Headroom restores immediately.
Facility size and pricing are reviewed once a year as trading evolves.
Indicative ranges. Your exact pricing depends on turnover, sector and debtor quality.
Move the slider to your typical invoice value. We'll show what hits your account and what it costs.
What's your invoice worth?
No obligation. Speak to your broker for tailored terms.
RCFs are typically larger, committed for a fixed term, and priced more transparently than bank overdrafts. They're also less likely to be pulled at short notice.