Revolving Credit Facility
Access Funds When You Need Them. Repay When You Can.
A flexible line of credit you can draw from, repay and redraw as needed, much like a business credit card, but typically at lower rates and with higher limits.
About Revolving Credit
What is a revolving credit facility?
A Revolving Credit Facility gives your business a flexible line of credit that you can draw from, repay and redraw as needed, much like a business credit card, but typically at lower rates and with higher limits.
It provides a reliable safety net for managing working capital fluctuations, covering short-term cash flow gaps, or seizing unexpected opportunities without applying for a new loan each time.
Adviser tip. Lenders assess affordability differently depending on your sector and trading history. A short conversation with an adviser upfront can save time by pointing you straight towards lenders likely to say yes.
Key Features
What you can expect
The headline terms currently available through our revolving credit panel.
Credit Limits
£10,000 to £1 million+, set to match your working capital needs.
Interest Rates
From 6.9% APR (variable), charged only on what you actually draw.
Repayment Flexibility
Interest is charged only on the drawn amount, not on the full approved facility.
Renewable
The facility can be rolled over or reviewed annually as your business evolves.
How It Works
Four Clear Steps to Your Funding
We handle the complexity so you can focus on running your business.
Tell Us Your Need
Share your working capital cycles and the facility size you have in mind.
Advisor Assessment
A dedicated adviser reviews your cashflow and risk appetite against our lender panel.
Matched Solutions
We present suitable revolving credit facilities with rates and limits clearly explained.
Funding Secured
Once the facility is in place, funds can typically be accessed within hours whenever needed.
Is This the Right Fit?
When to consider revolving credit
This form of finance is particularly valuable for businesses that:
Experience seasonal or cyclical cash flow variations
Require a contingency buffer for unforeseen expenses or emergencies
Value the ability to access funds immediately without repeated applications
Prefer to pay interest only on the amount actually utilised
Facility size and pricing depend on your business's financial profile. Speak to an adviser for guidance specific to your business, there's no obligation.
Strategic Advantages
Why businesses value this facility
A revolving credit facility offers several distinct benefits.
Cost Efficiency
You only incur interest on the funds you draw, not the entire approved limit.
Agility
Once the facility is in place, funds can be accessed within hours, enabling swift decision-making.
Flexibility
Repay early without penalty, reducing interest costs when cash flow is strong.
Peace of Mind
Knowing you have a committed line of credit provides confidence for forward planning.
Why Choose Nexora
A Facility That Flexes With You.
We work with you to understand your cash flow cycles and risk appetite before recommending a facility size and structure that suits your business, then review it periodically to ensure it stays aligned with your needs.
Advisor-Led Approach
A dedicated adviser guides you personally, not an automated system.
Honest, Clear Guidance
We explain the trade-offs plainly, including where a product isn't the right fit.
Fast, Confidential Process
We respect your time and privacy throughout the enquiry.
No Obligation
Initial advice is free, with no pressure to proceed.
Free consultation. No obligation. No hidden fees.
FAQs
Revolving credit questions we're asked often
With a fixed-term loan, you receive a lump sum and repay it on a set schedule. A revolving facility lets you draw, repay and redraw funds as needed, up to your agreed limit.
Related Finance Solutions
Explore other funding routes
Revolving credit isn't the right fit for every situation. Here are other options worth considering.
Secured Business Loans
Larger funding amounts secured against business assets or commercial property.
Learn moreUnsecured Business Loans
No collateral required. Quick access to funds for operational needs and growth.
Learn moreMerchant Cash Advance
Access fast funding based on your card turnover with flexible repayments.
Learn moreInvoice Finance
Release cash tied up in outstanding invoices to maintain steady cashflow.
Learn moreReady When You Are
Establish a Flexible Credit Line for Your Business
Talk to our commercial finance advisers today. It's free, confidential and with no obligation.