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Car Finance

Specialists in Car Finance

We can get you closer to your dream car. Learn more about our financing options here.

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Specialists in Business Finance

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We work with a variety of industries, choose yours to see how we can help.

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Access loans up to £2m with a 70% government guarantee.

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Home Business Finance Revolving Credit Facilities

Revolving Credit Facilities

A flexible funding solution that lets your business draw, repay and redraw funds as needed. Ideal for managing cash flow, covering short-term costs and keeping working capital available when it matters most.

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No Obligation Enquiry

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Tailored Broker Support

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Enquire in Minutes

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Wide Panel of Lenders

Key Takeaways

We know you’re busy, so we’ve put an overview together for you

  • Access a pre-agreed credit limit and draw funds when required
  • Only pay interest on the amount you use
  • Reuse funds as you repay them
  • Ideal for managing cash flow gaps and short-term costs

How Do Revolving Credit Facilities Work?

Let’s look at a breakdown of how Revolving Credit Facilities work step by step

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Agree a Credit Limit

A lender approves a maximum borrowing limit based on your business performance and affordability. This becomes your available credit pot, ready to use whenever your business needs it.

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Draw Funds as Needed

You can withdraw any amount up to your agreed limit, either in full or in part. Funds can often be accessed quickly, helping you respond to short-term opportunities or unexpected costs.

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Repay & Reuse

As you repay what you’ve borrowed, the funds become available again. You only pay interest on the amount drawn, not the full limit, giving you flexibility and control over costs.

Is a Revolving Credit Facility Right for You?

A revolving credit facility can be a powerful tool for businesses that experience fluctuating cash flow or need quick access to working capital. It’s designed for short-term borrowing rather than long-term investment and offers ongoing flexibility instead of a fixed lump sum loan.

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This product might be right for you if...

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You experience seasonal or irregular cash flow

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You need quick access to short-term working capital, especially if your overdraft has been reduced

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You want flexible borrowing without reapplying each time

This product might not be right for you if...

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You need funding for a large, one-off long-term investment

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You prefer fixed repayments over flexible borrowing

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Your business struggles with consistent repayments

Charles & Dean does not provide financial advice. Please consult your accountant or financial adviser before making a decision.

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Our Funding Process

  • 1

    Discuss Your Funding Requirements

    Talk to one of our Finance Specialists to help us better understand your goals.

  • 2

    Receive a Solution

    Choose a bespoke funding solution proposed by our team and send over the required documents for our lenders.

  • 3

    Get Your Funding

    Once your finance is approved, we work with you and the lender to ensure you can access your funds as soon as possible.

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What To Do Next

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Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836
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Read Our FAQs

Still have questions about Revolving Credit Facilities? We may have the answer within our FAQs.

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Why Use Charles & Dean?

Why should you choose us to help with Revolving Credit Facilities

Why Us 1

Broad Lender Panel

We work with a wide panel of UK lenders, giving you access to competitive revolving credit options tailored to your business needs.

Why Us 2

End-to-End Support

You’ll have a dedicated Finance Specialist guiding you from enquiry through to funding, ensuring a straightforward and transparent process.

Why Us 3

Fast & Flexible Solutions

Our team understands that timing is critical. We aim to secure quick decisions and smooth access to funds, helping you stay agile.

Our FAQs

Common questions about Revolving Credit Facilities answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

What is the difference between a revolving credit facility and an overdraft?

Both offer flexible access to funds, but a revolving credit facility is typically a standalone agreement with structured terms, whereas an overdraft is linked to your business bank account.

How much can I borrow with a revolving credit facility?

Credit limits vary depending on your business turnover, financial position and lender criteria. Limits can range from a few thousand pounds to significantly more.

How quickly can I access funds?

Once approved, many lenders allow you to draw funds quickly, sometimes within 24 hours of applying for the facility, depending on the provider and documentation.

Do I pay interest on the full credit limit?

No. You only pay interest on the amount you draw down, not the entire approved limit. This makes it a cost-effective option for flexible borrowing.

Is a revolving credit facility secured or unsecured?

It can be either. Some lenders offer unsecured options, while others may require a personal guarantee or business assets as security, depending on risk and borrowing size.

What are typical terms for a revolving credit facility?

Revolving credit facilities are usually short-term, commonly lasting between six months and two years. In some cases, the agreement can be renewed or extended if approved by the lender.

Can my credit limit increase over time?

Potentially. If you regularly use and repay the facility responsibly, a lender may consider increasing your credit limit to provide additional flexibility.

What happens if I don’t use the facility?

You typically only pay interest on funds you draw down. If the facility isn’t used, no interest is charged, although some lenders may apply a small set-up or commitment fee.