Revolving Credit Facility
Managing cash flow can be unpredictable, late invoices, seasonal dips, or unexpected costs can leave you short when you need working capital most. A Revolving Credit Facility gives your business access to flexible, ongoing funding that you can draw down, repay, and reuse whenever you need it.
At Apex Loans, we help UK businesses secure tailored revolving credit solutions so you can stay agile, cover unexpected expenses, and seize new opportunities without the hassle of reapplying for a new loan every time.
Revolving Credit
Merchant Cash Advance
Invoice Finance
Bad Credit Finance
Apex Loans
Why Use a Revolving Credit Facility?
Access working capital when you need it
No need to reapply for new loans
Only pay for what you use
Interest is charged only on the funds you draw down
Flexible repayments
Repay and reuse your credit limit as many times as you like
Protect cash flow
Cover unexpected bills, late payments, or new orders
How Does a Revolving Credit Facility Work?
- Agree your limit – Apply for a facility with a credit limit that suits your business.
- Draw down funds – Use as much or as little as you need, whenever you need it.
- Repay flexibly – Repay in line with your cash flow; funds become available again instantly.
- Use it again and again – Reuse your facility as many times as you like during the term.
Who Can Use a Revolving Credit Facility?
A revolving credit facility is ideal for:
- Limited companies and partnerships registered in the UK
- Businesses with at least 6-12 months of trading history
- Companies with variable income streams or seasonal cash flow
- SMEs wanting flexible funding without constant reapplications
It’s commonly used in retail, wholesale, manufacturing, services, and construction.
Key Revolving Credit Facility Features
Facility size | £10,000 – £1 million+ |
Term | 6 months – 3 years (renewable) |
Security | Secured and unsecured options available |
Approval speed | Typically within 48-72 hours |
Access | Draw down online or via app 24/7 |
Cost | Interest charged only on the funds you use |
Pros and Cons of a Revolving Credit Facility
Pros
- Instant access to extra cash flow
- Reusable, draw down and repay multiple times
- Only pay interest on what you use
- Helps manage seasonal income or late invoices
- No need to reapply for new loans
Cons
- May require a personal or director’s guarantee
- Can be more expensive if not managed carefully
- Credit limits depend on your business turnover and trading history
Applying for a small business loan with us is straightforward:
Assess Your Needs
Determine the amount you need and the purpose of the loan.
Check Eligibility
Ensure your business meets the basic criteria.
Prepare Documentation
Gather necessary documents such as business bank statements, financial statements, and a business plan.
Submit Application
Complete our online application form or contact our team for assistance.
Feel free to use our Business Loan Calculator
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
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Calculator Disclaimer
The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice. It does not take into account your personal or financial circumstances.
Our tailored and transparent process is designed to make your loan search and selection as seamless as possible
Submit Your Enquiry
Simply complete our short online form with your details and funding needs to begin your search for business finance.
Expert Consultation
Our expert will contact you to understand your requirements to match you with suitable lenders and products.
Get Your Offers
We connect you with trusted lenders and provide free quotes. Choose the best option, and we’ll handle the application.
Get Funded!
Once approved, receive your funds and start invest in your business growth and scale with confidence and ease.
What Is a Revolving Credit Facility?
A Revolving Credit Facility (RCF) is a flexible business line of credit. Think of it like an overdraft or business credit card, you’re given an agreed credit limit which you can dip into as and when you need to. As you repay what you’ve borrowed, those funds become available again, ready to use.
This type of funding is popular with SMEs that have seasonal sales patterns, rely on large invoices, or want peace of mind knowing extra cash is always there when needed.
Get Answers to Your Most Common Questions
We've compiled a list of frequently asked questions to provide you with quick and helpful answers about revolving credit facility in the UK.
How is a revolving credit facility different from a business loan?
A business loan gives you a lump sum upfront to repay in fixed instalments. A revolving credit facility works more like an overdraft, you draw down funds as needed and repay flexibly.
Do I pay interest on the whole limit?
No, you only pay interest on the amount you actually draw down, not the total limit.
How quickly can I access funds?
Many lenders allow you to draw down instantly once approved, often via an online dashboard or mobile app.
Do I need security for a revolving credit facility?
Some facilities are unsecured but larger limits may require a charge on business assets or a director’s guarantee.
Can I increase my credit limit?
Yes, many lenders will review your limit annually and may increase it if your business grows.
Why Choose Apex Loans for Revolving Credit?
At Apex Loans, we specialise in matching UK SMEs with lenders who understand the value of flexible finance. Whether you need an extra cash buffer for seasonal dips, a safety net for late payments, or funds to take on new projects, we’ll connect you to trusted providers that deliver on speed, transparency, and flexibility.
- Compare top UK revolving credit lenders
- Quick online application, fast funding
- Secured and unsecured options available
- Real UK advisors to help you every step of the way
Apply for a Revolving Credit Facility Today
Keep your business cash flow healthy and ready for anything. Apply for a Revolving Credit Facility with Apex Loans today and unlock flexible finance to use whenever you need it, without tying up your working capital.