Credit Facilities
Keep cash on standby for whatever comes next. Draw down when you need to, repay when you can, and only pay for what you use.
- One clear enquiry
- No obligation to proceed
- Costs explained upfront
At a glance
- £10k – £500k
- Facility size
- Varies by lender
- Timing
- Whenever you need
- Draw down
- Only on what you use
- Interest
- 6+ months trading
- Eligibility
- Often unsecured
- Security
Credit Facilities, explained
A credit facility gives your business a pre-agreed pot of money to draw on whenever you need it. Unlike a loan, you don't pay interest on the full amount — only on what you actually use.
Think of it as a safety net: dip in to cover a VAT bill or a late-paying customer, repay when cash comes in, and the full facility is available to use again.
Revolving Credit Facilities
Dip in and out of a pre-agreed credit line as often as you need, paying interest only on the funds you actually use.
Credit Cards
Everyday spending flexibility for your business, with clear limits, staff cards and simple expense management.
Why businesses choose credit facilities
Practical outcomes, not finance jargon — here's what the right facility actually does for you.
Funds on standby
Draw down in hours, not weeks — with no new application every time you need cash.
Pay only for what you use
Interest is charged on your drawn balance, not the whole facility, so an unused safety net costs little or nothing.
Repay and reuse
As you repay, your available credit tops back up automatically — no need to reapply.
Smooth out the bumps
Cover payroll, tax bills and seasonal dips without touching long-term savings or investment plans.
How it works
One enquiry, one broker, and a clear path from first call to funds in the bank.
- 1
Make an enquiry
Tell us what you need in one concise broker enquiry.
- 2
Speak with your broker
A dedicated expert calls to understand your business and what you want to achieve.
- 3
We compare lenders
Your broker approaches lenders from our panel where their criteria appear to fit.
- 4
Receive your options
Clear, side-by-side offers with every cost explained in plain English.
- 5
Funding completed
Review the available options, costs and next steps before deciding whether to proceed.
Broker enquiry · No obligation · Searches explained before you proceed
Is this right for your business?
Credit Facilities works hardest in situations like these.
Seasonal businesses
Hospitality, retail and tourism firms bridging the quiet months with confidence.
Businesses with lumpy income
Agencies and contractors managing the gap between doing the work and being paid for it.
Fast-moving opportunities
Buy discounted stock or take on urgent work the moment the chance appears.
Don't see your situation?Talk it through with a broker— if this isn't the right product, we'll tell you what is.
Finance brokers who work for you, not the lender
Applying to lenders one by one can be time-consuming. We review your requirements and approach lenders from our panel where their criteria appear to fit, then explain the available options clearly.
A focused route to suitable options
We assess your circumstances and approach lenders from our panel where the published criteria appear to fit.
One enquiry, a panel of lenders
Your broker can compare potentially suitable options without asking you to repeat the same initial information lender by lender.
A dedicated broker, start to finish
You'll deal with one named expert who understands your business and handles the paperwork for you.
Clear before you proceed
Any fees, commission arrangements and lender credit searches will be explained before you choose whether to continue.
Credit Facilities questions, answered
The questions business owners ask us most about this type of funding.
How is a revolving credit facility different from an overdraft?
They work in a similar way, but a revolving credit facility is usually larger, faster to arrange and isn't tied to your business bank account — so you don't need to switch banks. Facilities are also less likely to be withdrawn without warning than overdrafts, which banks have steadily reduced.
Do I pay for the facility if I never draw on it?
Interest is only charged on what you draw. Some lenders charge a small commitment or renewal fee for keeping the facility open; many charge nothing at all. Your broker will show you the full cost comparison before you choose.
How quickly can I access funds once approved?
Drawdown and setup times vary by provider, facility and any checks still required. Your broker will explain the expected timing for an available option.
Will I need to give a personal guarantee?
Usually, yes — most unsecured facilities are backed by a director's personal guarantee rather than business assets. Your broker will explain exactly what that means and how to limit your exposure before you commit.
Can I increase my facility as my business grows?
Yes. Facilities are reviewed regularly — usually annually — and lenders will often increase your limit as turnover grows and you build a repayment track record. Many clients start small and scale the facility with the business.
Still have questions?Speak to a broker— it's free and there's no obligation.
Ready to move your business forward?
Send one clear funding enquiry or contact a broker to talk through what your business needs. There is no obligation to proceed.
Broker enquiry · No obligation · Options explained before you proceed