Revolving Credit
Flexible, reusable funding your business can draw and repay as needed.
A Revolving Credit Facility works like an alternative overdraft — giving you access to a pre-approved credit limit that you can draw from whenever cashflow tightens or opportunities arise.
You only pay interest on what you use. No long applications, no fixed repayments, and no delays.
What Is Revolving Credit?
Revolving Credit provides a credit limit you can dip into and repay as income arrives. It adapts to your business cycle.
Perfect for:
- Project mobilisations
- Deposits and upfront supplier payments
- Covering temporary cash gaps
- Taking on new contracts
- Managing seasonal dips
Who It's For
SMEs needing liquidity
Retail, logistics, workshops, trades and service businesses
Contractors & Construction Trades
Cover materials, labour or deposits until stage payments arrive
Growing Businesses
Take on new opportunities without cashflow strain
Businesses with irregular income
Smooth fluctuations with flexible access to funds
Typical Terms
Facility Size
£10,000 — £1m+
Term
6–24 months
Repayment
draw-and-repay flexibility
Interest
only on drawn funds
Fees
may include non-utilisation fee
Security
secured or unsecured depending on lender
Common Use Cases
Project Mobilisation
Get the capital to start new contracts without delay.
Short-term Cashflow Gaps
Bridge timing mismatches between payments and receipts.
Seasonal Fluctuations
Manage peaks and troughs in your business cycle.
Acting Quickly on Opportunities
Have capital ready to seize business opportunities.
Real-World Example
A construction subcontractor used a revolving facility to cover material costs while waiting for stage payments, keeping the project on track without draining cash reserves.
Need flexible funding that moves with your business?
Let's discuss your cashflow needs and find the right revolving credit solution.
Request a Facility AssessmentWhy BridgFunder London?
- Access to flexible revolving credit lenders
- Clear explanation of cost structure
- Fast approvals
- Practical guidance throughout
- Funding that fits real business cycles